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Trustee's Sale
PUBLISHED: Friday May 23, 2014

NOTICE OF TRUSTEE'S SALE
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APN: 429-660-36-12

PLEASE BE ADVISED, PETERS & FREEDMAN, L.L.P. IS ACTING IN THE ROLE OF A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
RE: Creditor Association:
Saratoga at Stonecrest Homeowners Association
Recorded Owner:
Sandra J. Giberson
Property Address:
9611 West Canyon Terrace 3, San Diego, CA 92123
Mailing Address:
245 Accolade Drive, San Leandro, CA 94577
NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED.







YOU ARE IN DEFAULT UNDER A NOTICE OF ASSESSMENT LIEN (CIVIL CODE SECTION 5675) DATED JULY 7, 2009 UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A 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 JUNE 19, 2014 at 10:30am, PETERS & FREEDMAN, L.L.P. as Trustee, or Successor Trustee or Substituted Trustee of that certain Notice of Delinquent Assessment which was caused to be recorded by Saratoga at Stonecrest Homeowners Association ("Creditor Association") pursuant to the authority of Civil Code Section 5675 in order to secure obligations in favor of the Creditor Association, which Notice of Delinquent Assessment was recorded on JULY 7, 2009, as File/Page No. 2009-0369887 of Official Records in the Office of the Recorder of San Diego County, California, and pursuant to that certain Notice of Default and Election to Sell recorded on APRIL 9, 2012, as File/Page No.2012-0206296 of Official Records of said County, will sell at public auction, under the power of sale conferred by Civil Code Section 5700, to the highest bidder for cash in lawful money of the United States of America or cashiers check made payable to the creditor Association, at the offices of Peters & Freedman, L.L.P., 191 Calle Magdalena, Suite 220, Encinitas, California, in the City of Encinitas, County of San Diego, State of California, all that right, title and interest in the property situated in said County and State which is legally described as follows:
PARCEL 1: AN UNDIVIDED 1/5TH FEE SIMPLE INTEREST AS A TENANT IN COMMON IN THE BUILDING MODULE COMMON AREA WHICH INCLUDES BUILDING 28 OF NEIGHBORHOOD NUMBER 1, AS MORE FULLY DEPICTED ON THAT CONDOMINIUM PLAN FOR SARATOGA AT STONECREST VILLAGE, PHASE 2, RECORDED ON MAY 14, 1998 AS INSTRUMENT NO. 1998-0285233, IN THE OFFICIAL RECORDS OF SAN DIEGO COUNTY, WHICH REAL PROPERTY IS A PART OF LOT 3 OF STONECREST VILLAGE UNIT NO. 1, MAP NO. 13348, IN THE CITY OF SAN DIEGO, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, CALIFORNIA, ON AUGUST 8, 1996 AS DOCUMENT NO. 1996-402305, AS FURTHER DESCRIBED.
PARCEL 2: CONDOMINIUM NUMBER 12, CONSISTING OF CERTAIN AIR SPACE AS SHOWN AND DESCRIBED IN THE PLAN, AS FURTHER DESCRIBED.

The record owner of which is Sandra J. Giberson, ( "Owner"). Street address or other common designation of Property to be sold: 9611 West Canyon Terrace 3, San Diego, CA 92123,.
Names and Address of Creditor Association at whose request the sale is being conducted:
Saratoga at Stonecrest Homeowners Association
c/o Peters & Freedman, L.L.P.
191Calle Magdalena suite 220
Encinitas, CA 92024
(760) 436-3441

Directions to and a detailed description of the above-described real property may be obtained by requesting the same in writing to the above-named beneficiary ("Creditor Association") within ten (10) days from the first publication of this notice.
Said sale will be made without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the unpaid balance currently due and owing under the aforesaid Notice of Delinquent Assessment and/or late fees, costs of collection (including attorneys' fees), and interest, which said Owner is obligated to pay Creditor Association under Civil Code Section 5650, and fees, charges, and expenses of the Trustee.
NOTE: THE PROPERTY IS BEING SOLD SUBJECT TO A RIGHT OF REDEMPTION CREATED BY CIVIL CODE SECTION 5715.
The total amount of the unpaid balance of the obligation secured by the Property to be sold and reasonable estimated costs, expenses and advances at the time of initial publication of the Notice of Sale is $14,882.92.
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 a 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 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 visit this Internet Web site www.hoalaw.com/foreclosureinfo for information regarding the sale of this property, using the file/TS number assigned to this case: 1769105-012. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.
Date: MAY 6, 2014
Saratoga at Stonecrest Homeowners Association
By: /s/ Mickey Jew, Trustee, Attorney, and Authorized Representative for
Saratoga at Stonecrest Homeowners Association
Pub. May 9, 16, 23-00120586


Trustee's Sale
PUBLISHED: Friday May 23, 2014


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