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Trustee's Sale
PUBLISHED: Tuesday December 16, 2014

NOTICE OF TRUSTEE'S SALE
APN: 265-452-14-00
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YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT LIEN (CALIFORNIA CIVIL CODE SECTION 5685) DATED NOVEMBER 14, 2013, IN OFFICIAL RECORDS OF SAN DIEGO. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONSULT A LAWYER.
NOTICE IS HEREBY GIVEN that on January 27, 2015 at 10:30 a.m., at Community Legal Advisors, Inc., 509 N. Coast Highway, Oceanside, California 92054, COMMUNITY LEGAL ADVISORS, INC., on behalf of Cielo Homeowners Association, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH, CASHIER'S CHECK OR CERTIFIED CHECK (payable at the time of sale in lawful money of the United States) all rights, title and interest created by the Declaration of Covenants, Conditions & Restrictions, and by the Notice of Delinquent Assessment Lien was recorded on November 14, 2013, as Document No. 2013-0674276 of Official Records in the Office of the Recorder of San Diego County, State of California, and pursuant to that certain Notice of Default and Election to Sell recorded on July 24, 2014, Document No. 2014-0313344 of Official Records in the Office of the Recorder of San Diego County, State of California.
Legal description:
Lot 44 of Amended Map of County of San Diego Tract Map No. 4227-1, in the County of San Diego, State of California, according to Map thereof No. 14104, filed in the Office of the County Recorder of San Diego County, December 13, 2001
The recorded owner of which are JAMES R. CHAFIN AND DENISE CHAFIN, husband and wife as joint tenants ("Owner").
Street address or other common designation Property to be sold:
7760 Via Zafiro
Rancho Santa Fe, CA 92067

Name and Address of Trustee conducting the sale:
Community Legal Advisors, Inc.
509 N. Coast Highway
Oceanside, California 92054
(760) 529-5211
NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on the lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of the outstanding liens that may exist on this property by contacting the county recorder's office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.
NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 760-529-5211, using the file number assigned to this case 4459.3. Information about postponements that are very short in duration or that occur close in the time to the scheduled sale may not immediately be reflected in telephone information. The best way to verify postponement information is to attend the scheduled sale.
Said sale will be made, but without covenant or warranty, express or implied, regarding title, possession or encumbrances to for the delinquent assessments, late fees and interest currently due and owing under the afore said Notice of Delinquent Assessment Lien, and/or late fees, costs of collection (including attorney's fees), and interest, which said Owners are obligated to pay Creditor Association. Under Civil Code Sections 5715(b), "a non-judicial foreclosure by an association to collect upon a debt for delinquent assessments shall be subject to a right of redemption. The redemption period within which the separate interest may be redeemed from a foreclosure sale under this paragraph ends ninety (90) days after the sale."
The total amount of the unpaid balance of the obligation secured by the Property to be sold and reasonable estimated costs of collection, expenses and advances at the time of initial publication of the Notice of Trustee's Sale is $15,861.11.
Pub Dec 2, 9, 16 -00125770


Trustee's Sale
PUBLISHED: Tuesday December 16, 2014


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