On August 26, 2019 at 2:00 PM, outside the North door steps, Lincoln County Courthouse, 512 California Avenue, Libby, MT 59923, Brigham J. Lundberg, a member of the Montana State Bar, as successor trustee, will sell at public auction to the highest bidder, the following described real property situated in Lincoln County, Montana, and described as follows: Lot 2, NORTHWOOD MANOR FIRST ADDITION, according to the map or plat thereof on file in the office of the Clerk and Recorder, Lincoln County, Montana. Parcel ID No.: 8232 which has the address of 647 Northwood Avenue, Libby, MT 59923. Said sale will be made to satisfy the obligation secured by and pursuant to the power of sale conferred in the trust indenture/deed of trust (“Deed of Trust”) dated February 13, 2015 and executed by Michael B. Avratin and Ellen M. Avratin, as grantors (“Grantor”), to First American Title Company, as trustee, in favor of Mortgage Electronic Registration Systems Inc., as nominee for First Montana Bank, Inc., its successors and assigns, as beneficiary, and recorded on February 19, 2015 as Instrument No. 255924 in Book 356 at Page 553, official records of Lincoln County, Montana.The Deed of Trust was assigned for value to PNC Bank, National Association (“Beneficiary”), the current beneficiary, by written instrument filed for record on February 19, 2019, as Instrument No. 278226 in Book 375 at Page 791, official records of Lincoln County, Montana. Brigham J. Lundberg (“Successor Trustee”) is the successor trustee of the Deed of Trust pursuant to an Appointment of Successor Trustee/Substitution of Trustee recorded on April 19, 2019 as Instrument No. 279181 in Book 376 at Page 663, official records of Lincoln County, Montana. Beneficiary has declared the grantors in default of the terms of the Deed of Trust and the promissory note (“Note”) secured by the Deed of Trust because of Grantors’ failure to timely pay all monthly installments of principal, interest, and, if applicable, escrow reserves for taxes and/or insurance as required by the Note and Deed of Trust. According to the Beneficiary, the obligation evidenced by the Note is now due for the December 1, 2018 installment payment. As of April 3, 2019, the amount necessary to satisfy this obligation was $98,095.28. This amount includes the outstanding principal balance of $96,319.13, plus accrued interest, accrued late charges, accrued escrow installments for insurance and/or taxes (if any), and advances for the protection of the beneficiary’s security interest (if any). Due to the default stated above, Beneficiary has elected, and has directed the Successor Trustee, to sell the above-described property to satisfy the obligation. The sale is a public sale and any person, including the beneficiary, excepting only the trustee, may bid at the sale. The bid price must be paid immediately upon the close of bidding in cash or cash equivalents (valid money orders, certified checks or cashier’s checks). The conveyance will be made by Trustee’s Deed without any representation or warranty, including warranties of title or possession, express or implied, as the sale is made strictly on an as-is, where-is basis, without limitation, the sale being made subject to all existing conditions, if any, of lead paint, mold or other environmental or health hazards. The sale is subject to bankruptcy filing, payoff, reinstatement, or other circumstance that affects the validity of the sale. If the sale is set aside or the trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of funds paid to the successor trustee, and the successful bidder shall have no further recourse. The purchaser shall be entitled to possession of the property on the 10th day following the sale. The scheduled Trustee’s Sale may be postponed by public proclamation up to 15 days for any reason, and in the event of a bankruptcy filing or other court-ordered stay, the sale may be postponed by the trustee for up to 120 days by public proclamation at least every 30 days. The grantors, the successor-in-interest to the grantors, or any other person having an interest in the aforesaid property, at any time prior to the trustee’s sale, may pay to the present beneficiary the entire amount then due under the Deed of Trust and the obligation secured thereby (including costs and expenses actually incurred and attorney’s fees) other than such portion of the principal as would not then be due had no default occurred and thereby cure the default theretofore existing. This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose.
DATED: 04/23/2019 /S/ Brigham J. Lundberg Brigham J. Lundberg, Successor Trustee Lundberg & Associates, PC 3269 S. Main St., Ste. 100, Salt Lake City, UT 84115 801-263-3400 Office Hours: 8:00 a.m. – 5:00 p.m.