P1046618 TRUSTEE SALE No. 240778CA Loan No. 5303615073 Title Order No. 348174 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 2/23/2006. 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 PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 7/25/2013 at 12:00 PM, CALIFORNIA RECONVEYANCE COMPANY as the duly appointed Trustee under and pursuant to Deed of Trust Recorded 03/02/2006, Book N/A, Page N/A, Instrument 2006-0032113-00, of official records in the Office of the Recorder of Stanislaus County, California, executed by: BILLY VERHAEGEN, AN UNMARRIED MAN, as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., (MERS), SOLELY AS NOMINEE FOR LENDER, HOMECOMINGS FINANCIAL NETWORK, INC., IT'S SUCCESSORS AND ASSIGNS, as Beneficiary, will sell at public auction sale to the highest bidder for cash, cashier's check drawn by a state or national bank, a cashier’s check drawn by a state or federal credit union, or a cashier’s check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of 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 the Deed of Trust. 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, interest thereon, estimated 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. Place of Sale: At the "I" Street side of the County Courthouse Building, 1100 "I" Street, Modesto, CA Legal Description: ALL THAT CERTAIN REAL PROPERTY SITUATE IN PORTIONS OF LOTS 522 AND 523 AS SHOWN ON THE "PATTERSON COLONY SUB-TRACT NO. 2" ACCORDING TO THE OFFICIAL MAP THEREOF FILED FOR RECORD JANUARY 9, 1911, IN VOL. 5 OF MAPS, PAGE 23, STANISLAUS COUNTY RECORDS, DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHEASTERLY CORNER OF SAID LOT 523, SAID POINT BEING ON THE CENTERLINE OF 50 FOOT WIDE SYCAMORE AVENUE; THENCE SOUTH 29° 58` 56" EAST ALONG THE EASTERLY LINE OF SAID LOT 523, BEING ALSO SAID CENTER LINE OF SYCAMORE AVENUE, 287.82 FEET TO THE TRUE POINT OF BEGINNING; THENCE SOUTH 59° 59` 59" WEST PARALLEL WITH THE NORTHERLY LINE OF SAID LOT 523, 205.8 FEET; THENCE AT RIGHT ANGLES SOUTH 30° 00` 01" EAST, 50.11 FEET; THENCE SOUTH 59° 59` 59" WEST PARALLEL WITH SAID NORTHERLY LINE OF LOT 523, 114.98 FEET TO THE WESTERLY LINE OF SAID LOT 522; THENCE SOUTH 29° 59` 21" EAST ALONG SAID WESTERLY LINE OF LOT 522, 322.32 FEET TO THE SOUTHWESTERLY CORNER OF SAID LOT 522; THENCE NORTH 59° 59` 59" EAST ALONG THE SOUTHERLY LINE OF SAID LOT 522, 1320.72 FEET TO THE SOUTHEASTERLY CORNER OF SAID LOT 522; THENCE NORTH 29° 58` 56" WEST ALONG THE EASTERLY LINES OF SAID LOTS 522 AND 523, BEING ALSO SAID CENTERLINE OF SYCAMORE AVENUE, 372.43 FEET TO THE POINT OF BEGINNING. Amount of unpaid balance and other charges: $452,717.32 (estimated) Street address and other common designation of the real property: 18213 SYCAMORE AVENUE , PATTERSON, CA 95363 APN Number: 048-023-026-000 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. The property heretofore described is being sold "as is". In compliance with California Civil Code 2923.5(c) the mortgagee, trustee, beneficiary, or authorized agent declares: that it has contacted the borrower(s) to assess their financial situation and to explore options to avoid foreclosure; or that it has made efforts to contact the borrower(s) to assess their financial situation and to explore options to avoid foreclosure by one of the following methods: by telephone; by United States mail; either 1st class or certified; by overnight delivery; by personal delivery; by e-mail; by face to face meeting. DATE: 6/27/2013 CALIFORNIA RECONVEYANCE COMPANY, as Trustee FRED RESTREPO, ASSISTANT SECRETARY CALIFORNIA RECONVEYANCE COMPANY IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. California Reconveyance Company 9200 Oakdale Avenue Mail Stop: CA2-4379 Chatsworth, CA 91311 800-892-6902 For Sales Information: www.lpsasap.com or (714) 730-2727 www.priorityposting.com or (714) 573-1965 1-800-280-2832 or www.auction.com 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, this information can be obtained from one of the following three companies: LPS Agency Sales & Posting at (714) 730-2727, or visit the Internet Web site www.lpsasap.com (Registration required to search for sale information) or Priority Posting & Publishing at (714) 573-1965 or visit the Internet Web site www.priorityposting.com (Click on the link for "Advanced Search" to search for sale information), or auction.com at 1-800-280-2832 or visit the Internet Web site www.auction.com, using the Trustee Sale No. shown above. 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. P1046618 7/4, 7/11, 07/18/2013