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Trustee's Sale
PUBLISHED: Wednesday November 28, 2012

NOTICE OF TRUSTEE'S SALE T.S. No.: 2012-CA006436 Loan No. 603600001 Order No. 5909517 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 7/30/2004. 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 CONTACT A LAWYER.A public auction sale to the highest bidder for cash, cashier's check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in §5102 to the Financial code and authorized to do business in this state. Sale will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor: WAI LUNG LEW AND LILY CHUN YING LEW HUSBAND AND WIFE AS COMMUNITY PROPERTY, and CATHAY BANK, as Beneficiary Duly Appointed Trustee: R.E.F.S. Inc., A California Corporation Recorded: 8/6/2004, as Instrument No. 2004-0747196, in Book N/A, Page N/A, of Official Records in the office of the Recorder of San Diego County, California. Date of Sale: 12/19/2012 at 10:00 AM Place of Sale: On the grounds of the Scottish Rite Event Center, located at 1895 Camino Del Rio South, San Diego, CA Amount of unpaid balance and other charges: $490,464.31 Street Address or other common designation of real property: 4548 CHEROKEE AVENUE, San Diego, CA 92116 A.P.N.: 447-042-25-00 Legal Description: as more fully described on said deed of trust. The Deed of Trust described above is one of 2 Deeds of Trust secured by 2 notes, cross-collateralized. The other Deed of Trust recorded on 6/27/2008 as Instrument 2008-0348383 in the County of San Diego. Foreclosure sales are being processed concurrently. The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. The property herein is being sold “AS IS'. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a Written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located and more than three month have elapsed since such recordation. 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 call 877-484-9942 or visit this Internet Web site www.USA-Foreclosure.com, using the file number assigned to this case 2012-CA006436. 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. If the trustee is unable to convey title for any reason, the successful bidder(s) sole and exclusive remedy shall be the return of monies paid to the trustee and successful bidder(s) will have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to return of the deposit paid. The purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee's Attorney. Date: 11/20/2012 R.E.F.S. Inc., A California Corporation Gabrielle Leach, Senior Trustee Officer R.E.F.S. INC. A CALIFORNIA CORPORATION IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE FEI # 1064.00085 PUB DATES: 11/28/2012, 12/05/2012, 12/12/2012-00105304

NOTICE OF TRUSTEE'S SALE T.S. No.: 2012-CA006437 Loan No. 118200358 Order No. 5909518 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 6/17/2008. 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 CONTACT A LAWYER.A public auction sale to the highest bidder for cash, cashier's check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in §5102 to the Financial code and authorized to do business in this state. Sale will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor: WAI LUNG LEW AND LILY CHUN YING LEW HUSBAND AND WIFE AS COMMUNITY PROPERTY and Cathay Bank, A California Corporation, as Beneficiary Duly Appointed Trustee: R.E.F.S. Inc., A California Corporation Recorded: 6/27/2008, as Instrument No. 2008-0348383, in Book n/a, Page n/a, of Official Records in the office of the Recorder of San Diego County, California. Date of Sale: 12/19/2012 at 10:00 AM Place of Sale: On the grounds of the Scottish Rite Event Center, located at 1895 Camino Del Rio South, San Diego, CA. Amount of unpaid balance and other charges: $116,543.03 Street Address or other common designation of real property: 4548 Cherokee Avenue, San Diego, CA 92116 A.P.N.: 447-042-25-00 Legal Description: as more fully described on said deed of trust. The Deed of Trust described above is one of 2 Deeds of Trust secured by 2 notes, cross-collateralized. The other Deed of Trust recorded on 08/06/2004 as Instrument 2004-0747196 in the County of San Diego. Foreclosure sales are being processed concurrently. The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. The property herein is being sold “AS IS'. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a Written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located and more than three month have elapsed since such recordation. 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 call 877-484-9942 or visit this Internet Web site www.USA-Foreclosure.com, using the file number assigned to this case 2012-CA006437. 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. If the trustee is unable to convey title for any reason, the successful bidder(s) sole and exclusive remedy shall be the return of monies paid to the trustee and successful bidder(s) will have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to return of the deposit paid. The purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee's Attorney. Date: 11/20/2012 R.E.F.S. Inc., A California Corporation Gabrielle Leach, SeniorTrustee Officer R.E.F.S. INC. A CALIFORNIA CORPORATION IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE FEI # 1064.00086 PUB DATES: 11/28/2012, 12/05/2012, 12/12/2012-00105296


Trustee's Sale
PUBLISHED: Wednesday November 28, 2012


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