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NOTICE OF DEFAULT
[ATTENTION RECORDER: PURSUANT TO CIVIL CODE §2923.3, THE SUMMARY OF INFORMATION REFERENCED BELOW IS NOT ATTACHED TO THE RECORDED COPY OF THIS DOCUMENT BUT ONLY TO THE COPIES PROVIDED TO THE TRUSTOR]NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED
IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR PAYMENTS, IT MAY BE SOLD WITHOUT ANY COURT ACTION, and you may have legal right to bring your account in good standing by paying all of your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account, which is normally five business days prior to the date set for the sale of your property.
No sale date may be set until three months from the date this notice of default may be recorded (which date of recordation appears on this notice). This amount is $10,322.57
as of December 05, 2013,
and will increase until your account becomes current. While your property is in foreclosure, you still must pay other obligations (such as insurance and taxes) required by your note and deed of trust or mortgage. If you fail to make future payments on the loan, pay taxes on the property, provide insurance on the property, or pay other obligations as required in the note and deed of trust or mortgage, the beneficiary or mortgagee may insist that you do so in order to reinstate your account in good standing. In addition, the beneficiary or mortgagee may require as a condition to reinstatement that you provide reliable written evidence that you paid all senior liens, property taxes, and hazard insurance premiums.
Upon your written request, the beneficiary or mortgagee will give you a written itemization of the entire amount you must pay. You may not have to pay the entire unpaid portion of your account, even though full payment was demanded, but you must pay all amounts in default at the time payment is made. However, you and your beneficiary or mortgagee may mutually agree in writing prior to the time the notice of sale is posted (which may not be earlier than the end of the three-month period stated above) to, among other things, (1) provide additional time in which to cure the default by transfer of the property or otherwise; or (2) establish a schedule of payments in order to cure your default; or both (1) and (2).
Following the expiration of the time period referred to in the first paragraph of this notice, unless the obligation being foreclosed upon or a separate written agreement between you and your creditor permits a longer period, you have only the legal right to stop the sale of your property by paying the entire amount demanded by your creditor.
To find out the amount you must pay, or to arrange for payment to stop the foreclosure, or if your property is in foreclosure for any other reason, contact:
OCEANA EAST UNIT 1 OWNERS
C/O EPSTEN GRINNELL &
10200 WILLOW CREEK ROAD
SAN DIEGO CA 92131
If you have any questions, you should contact a lawyer or the governmental agency which may have insured your loan Notwithstanding the fact that your property is in foreclosure, you may offer your property for sale, provided the sale is concluded prior to the conclusion of the foreclosure.
Remember, YOU MAY LOSE LEGAL RIGHTS IF YOU DO NOT TAKE PROMPT ACTION.
NOTICE OF DEFAULT AND
ELECTION TO SELL
NOTICE IS HEREBY GIVEN:
CAL-WESTERN RECONVEYANCE LLC
As designated trustee elects to foreclose that certain Assessment Lien created by a Notice of Delinquent Assessment recorded October 25, 2012, in book XX, at page XX, as instrument no. 2012-0657954, official records of SAN DIEGO County California in accordance with that certain Declaration of Covenants, Conditions, and Restrictions recorded on June 20, 2005, at page XX, in book XX, as instrument no. 05-0515356, official records of SAN DIEGO County California and California Civil Code, Sections 1367, 2924, 2924(b), 2924(c), 2924(f) and 2924(h).
The OCEANA EAST UNIT 1 OWNERS ASSOCIATION hereby declares that the said Assessment and Lien created thereby are immediately due and payable and elects to sell, or cause to be sold, the following described real property:COMPLETELY DESCRIBED IN SAID LIEN. A.K.A. 3729 SESAME WAY
OCEANSiDE CA 90257
The owner or reputed owner of said real property is: CYNTHIA LEE CAIN AND SUCCESSOR TRUSTEE UTD 5/30/89
Whenever the context hereof so required, note and deed of trust or mortgage includes the declaration of covenants, conditions and restrictions and notice of delinquent assessment; beneficiary or mortgage includes homeowner
T.S. 1387096-40; CAL-WESTERN RECONVEYANCE LLC
Dated: December 06, 2013/s/Rhonda Rorie, A.V.P.
Pub. Feb 28, Mar 7, 14, 21-00118614