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The Only Weekly Newspaper Exclusively For The Rancho Santa Margarita And Coto de Caza Area

October 12, 2012

Elegant!

Fall Fashions For 2012

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

Five Fall Fashion Must-Haves

By Bex Barker Though the temperatures are still high in most states, fall fashion is likely to be on the minds of women everywhere. As cool days and brisk breezes approach, I know I am already lusting after a new fall wardrobe. Here are the five must-haves on my list this season.

Tights As 98% of my wardrobe consists of skirts and dresses, tights are a necessity when cold weather comes around, though I also have a love affair with leggings (not worn as pants). One of the recent trends that I have not yet explored is that of shockingly colored or patterned tights. Generally, I’m a basic black kind of girl, but with a black faux-fur coat and black boots, I’m contemplating the dive into these crazy legcoverings.

A great coat I have a lovely red coat with an aline skirt that I adore, but I’m feeling a bit tired of wearing the same thing every year. This will be the third year I’ve worn it, and while it’s in decent shape, I’m ready for something new.

Because I am budget conscious this year, I won’t be able to buy a brand new coat, but I have found several I love in consignment stores, my favorite being a black faux-fur with a high collar and fit-and-flare shape to the knees. It’s gorgeous, and I can’t wait to wear it this winter with tights and dresses.

A fabulous bag

A hat I don’t generally wear hats because my naturally curly hair does not recuperate well from being crushed by a hat, but since I moved from a southern state to a much cooler northern state, I’ve decided to find one I like and commit, perhaps

that the style is still in fashion, albeit with a somewhat more western vibe.

While booties aren’t my thing, there Boots are one of my favorite things are several styles of the boot’s shorter about cold weather. I loved last year’s cousin that are quite cute. riding boot trend, so I’m excited to see Stylish boots

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The bag makes the outfit, for me. Obviously I can’t carry my white leather tote through the winter, so I have to find the fall/ winter replacement. I’m loving the large tote bags I see in stores, like almost any of these from Banana Republic. The “saddle bag” sort of trend appeals to me, as long as there aren’t tassels or too much metal hardware.

The best part about fall and winter, for me, is the ability to go outside and walk to the coffee shop without breaking a sweat.

Equally exciting of course are the

to this adorable Jessica Simpson new additions to my wardrobe as feathered Panama. Another option, of I prepare for the impending drop course, is the wide ear-covering head- in temperature. band or even earmuffs, which I love.

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The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

October 12, 2012

Four Hot Color Combinations for Fall line lower lashes. Smudge for added edge.

Makeup Tips: Were mauve on eyes and lips with rosey cheeks. This gives Red and Coral a lighter look to start the day off and Weren’t these colors the big thing for evening add a cat-eye for subtle for spring? Yes, they were and they flair. are back for fall. These two colors are both within the red color tree but Rich Gold and Earthy Greens one is soft where the other is more Green is the hot color for fall in both intense. Coral looks great for eyes, beauty and fashion. While all shades cheeks, and lips. Red is more of of green eye shadow are on-trend cheek and lip color. If you are feel- for the season, the darker, earthier ing dramatic, sweep some red blush greens turn heads when paired with across your lids paired with a coral lip rich gold. Look for mossy greens, true to make heads turn. olives, and dark hunter greens.

By ShawnTe Pierce There are always definite trends that come up each season. This fall, a lot of attention is on the graphic eyeliner, colorblocked eye, and the dark red lip. However, color always reigns supreme -- even Allure agrees. When you find the right color combinations, your face shines. So be a shining star with these hot color combinations for fall!

Purple and Silver Eyeshadow Purple is always a fall eyeshadow

Makeup Tips: Get a fresh rosyfaced look by dusting cheeks and eyes with a coral shade. Wear it with favorite. It is dark enough to match a cherry tinted lip stain to give you a some of the somber notes of fall/ “just came out of the cold” look. winter weather but colorful enough Dusky Mauves and Roses to keep things lively. In past seasons, This color combination is subdued this royal color made waves paired with gold for a glam look. For fall/ but has a subtle intensity that brings winter 2012, the new luxe look uses out the features it highlights. The silver. These two colors are perfect for mauves to look for will be grayed out hues like Bobbi Brown Eye Shadow the colorblocked eye trend. in Heather and Shiseido Perfect Makeup Tips: For a sexy, modern, Rouge Glowing Matte in Whisper. night-look, sweep a cool purple shade Your rose shades can be as light as across lids up to brow bone. Use a beige-rose or as deep as a dusky the silver to highlight brow bone and brownish-pink.

Makeup Tips: Apply gold shadow all over eyelids and across brow bone. Apply green to the crease and line eyes with the green shadow.

Smudge for a sexy, smoky eye. Wear a gold gloss on lips to increase the luxe effect.

These four color combinations are smoking hot for fall. You can wear them any way that best fits your style. Also, these colors can be mixed-matched to create fun looks for Halloween, which is just around the corner! Have fun trying out these hot colors for fall and look beautiful wearing them.

29941 Aventura, Suite D * Rancho Santa Margarita * CA 92688 On Empresa - between Santa Margarita and Aventura, next to Papa John’s.

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October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

Falling in Love with Fall Fashion

Subscription Rates $26.00/year Editorial offices: 23472 Vista Del Verde, Suite 6 Coto de Caza, CA 92679-3930 949-589-9990 To send a press release: newseditorials@yahoo.com

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By Christi Aldridge Fall fashion is hitting the stores and the fashion magazines, so don’t get left behind as the seasons change. Add a few of these pieces to your wardrobe to instantly add fall flair. Here are the pieces that will be popular this fall.

Matchstick Pants What are matchstick pants?

They’re slim fitting pants that look chic and dressy that you can wear to work or on an evening out. They hit the ankle for a flattering fit, and come in comfortable fabrics like silk and cotton.

The patterns are gorgeous and will look great paired with a solid silk blouse.

Patterns Patterns are fall’s big trend, and you don’t want to miss the boat. This trend encompasses everything from polka dots and florals to brocade prints, plaids, and everything in between. Can you combine two different prints?

Sure, as long as the prints have at least one color in common and don’t overpower each other.

Leather Leather is making a comeback, and it’s not just leather miniskirts. Leather is being seen on shirts, vests, motorcycle jackets and pleated skirts. Try a pair of glamorous leather jeans with a pretty sweater or blouse, or add leather to your wardrobe in the form of a beautiful bag or a chic blazer. Leather is being seen in lots of colors from black to burgundy.

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Sparkles Lush jewels and sparkles are in style, so get in on the trend with a rhinestone edged cardigan, sparkly heels, a sequined top or even jeweled hair accessories or purses. Sequins, glitter and jewels will be seen a lot this fall, and you can do a little bit or a lot depending on your personal style. If you choose to do a lot of sparkle, make sure the rest of your outfit is more understated.

Wine Merlot, cabernet, and pinot noir…yes, those are types of drinks but they are also fall’s trendiest colors! Shades of burgundy are everywhere including clothing, bags, shoes

and even lipstick. It’s a gorgeous shade for fall that can work for most everyone and it also pairs well with black, dark green and pink. Use it as a neutral to update your style this fall.

Clutch Leave your oversized bag at home: clutches are all the rage this fall. Small clutch bags in all colors and sizes are taking over. They are made out of leather, polyester, tweed or suede. Some are embellished with stones and some are glitter encrusted or have a hard shell. Whatever you choose, a clutch is a simple and stylish addition to any outfit for day or evening.

A small group of thoughtful people could change the world. Indeed, it’s the only thing that ever has.

-Margaret Mead

The Coto de Caza News

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

October 12, 2012

American Ballerina Keenan Kampa makes her US debut with Mariinsky Ballet at Segerstrom Center for the Arts Segerstrom Center for the Arts applauds Keenan Kampa on the occasion of her American debut with the Mariinsky Ballet during performances of Swan Lake, October 2 – 7, 2012. The young American ballerina danced one of the four Swans in the opening presentation of the Center’s International Dance Series.

We are pleased to offer photos of Ms. Kampa taken by Gene Schiavone during the engagement as well as stories regarding her from various media and the Mariinsky Theater.

Ms. Kampa said, “I feel truly honored to have been invited to join the Mariinsky Ballet, a great and historic company. I know it will require a lot of hard work and dedication to live up to their high standards, and I look forward to making that commitment. It was wonderful to have had my US debut with the Company in Swan Lake here at Segerstrom Center.”

Dance Magazine recently called her “a stunning paradox of star quality…within her delicate, angelic presence lies an edginess and attack—an intrigue worthy of Mona Lisa—that makes her irresistible to watch.”

Kampa’s historic path to the Mariinsky Ballet began at the age of four when she joined the Conservatory Ballet in Reston, Virginia, under the direction of Julia Cziller Redick. She attended both the Boston Ballet’s Summer Dance Program (2003 and 2004) and American Ballet Theater’s summer intensive program in New York (2005 and 2006) and was a regular attendee of the Kennedy Center’s Ballet Master Class Series. In January 2007, Keenan attended a Kennedy Center master class with Mariinsky Ballet Master Gennady Selyutski who invited her to study at the 274-year-old Academy. Three years later, at the age of 20, Keenan Kampa became the first American dancer given the special distinction of being awarded the Russian diploma from the Vaganova Ballet Academy in St. Petersburg, Russia. Graduates of the school include some of the most famous ballet dancers, choreographers, and teachers in history, including Balanchine, Baryshnikov, Danilova, Nijinsky, Nureyev, Pavlova, and Vishneva.

Through her intense three years of classical ballet training there she gained the respect of its teachers, winning lead roles in

the school’s productions of The Nutcracker and Gayane, becoming the only foreigner ever to dance the role of Masha (Clara) in the Academy’s production of The Nutcracker in her final year. Film Producer Ken Ferguson is developing Keenan’s amazing story into a feature film through his independent film company, Beach Mill Productions.

Kampa joined Boston Ballet in 2010 and is currently a company

member. She has performed a diverse repertoire with Boston Ballet including La Bayadére, Jorma Elo’s world premiere Elo Experience, and George Balanchine’s Symphony in Three Movements.

This spring she can be seen performing in Boston Ballet’s production of Don Quixote April 26-May 6.

Founded in the 18th century and originally known as the Imperial Russian Ballet, the Mariinsky Ballet is one of the world’s leading

ballet companies. While known internationally as the Kirov Ballet in the Soviet era, the Mariinsky Ballet Company’s historic name was restored in the 1990s. The Mariinsky Ballet is the parent company of the Vaganova Ballet Academy, a leading international ballet school. Under the artistic direction of Valery Gergiev, the Mariinsky Theatre has received world-wide critical acclaim.

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October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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OCTA Goes Doggone Friendly Approximately 150 handlers and 120 canines participated in a free training event last Saturday designed to help service animals and their handlers ride the bus with ease.

OCTA buses shuttled the participants from the Fullerton Park & Ride lot to several locations including Knott’s Berry Farm, where the handlers and their service animals practiced boarding and exiting the buses.

This event marks the fifth year where participants were able to explore the theme park’s busy environment to help familiarize service animals with a loud and crowded atmosphere.

“Dogs may need to navigate public transportation every day once they’re placed with their permanent owners, so this is a great opportunity for them to become comfortable riding the bus,” Morita said.

During the event, service animals and their handlers rode the bus for an extended period of time to become comfortable with the vibrations and noises made by the opening and closing of bus doors.

“We appreciate OCTA’s efforts in organizing this worthwhile program,” Lauder said. She is a volunteer for Pawz for Wounded Veterans, a program that pairs service dogs with wounded veterans.

Event organizer Scott Watt, also a Garden Grove bus base coach operations instructor, believes the event is an essential component in the training of service animals. “This event

Service dogs get comfortable on one of their many practice trips on an OCTA bus, where their handlers train them on proper boarding and riding techniques.

makes the process much easier on the handlers,” he said. “We are proud that through this annual event we have helped train nearly 1,000 animals.”

OCTA Promotes Emergency Preparedness for Transit Users In the agency’s third-annual campaign for emergency awareness, OCTA is partnering with the disaster preparedness resource ReadyOC

to help inform transit users and Orange County residents about precautionary safety steps.

Beginning Oct. 18, outreach team members will post advertisements inside OCTA buses to promote people to visit the ReadyOC web site. The online resource encourages visitors to “get a kit, make a plan and be informed” to better prepare themselves for the unexpected.

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October 12, 2012

Segerstrom Center for the Arts presents LA Opera in a concert version of The Two Foscari by Giuseppe Verdi Segerstrom Center for the Arts presented the inaugural event in LA Opera’s Off Grand project: a special concert performance of Giuseppe Verdi’s The Two Foscari (I Due Foscari) on Monday, October 1 at 7:30 p.m. The performance in the Renée and Henry Segerstrom Concert Hall starred the same cast as in the LA Opera’s fully staged production, with LA Opera General Director Plácido Domingo as Francesco Foscari, and Music Director James Conlon will join forces for this rarely performed early Verdi masterpiece. This will be a concert performance featuring the same cast that will appear in LA Opera’s fully-staged production from September 15 to October 9 at the Dorothy Chandler Pavilion, with Mr. Domingo starring in the leading role of Francesco Foscari, Italian tenor Francesco Meli as Jacopo Foscari and Russian soprano Marina Poplavskaya as Jacopo’s wife Lucrezia. LA Opera Music Director James Conlon conducted the Opera’s Orchestra and chorus. Maestro Conlon will also appear at the free Preview Talk prior to the performance in the Studio Performance Space.

Following the performance – which

prompted standing ovations at the end of both the first half of the opera and during the final bows – the cast and Center donors were hosted by South Coast Plaza for a celebration reception and dinner at Florent and Amelia Marneau’s Marche Moderne restaurant.

Center President Terrence W. Dwyer welcomed Domingot and Company: “We are thrilled to continue our long-time relationship with LA Opera with this performance of The Two Foscari. Through the years, there have been many wonderful performances at the Center by both Plácido Domingo and his marvelous company, and it is always a pleasure to welcome them back.”

Domingo has appeared at the Center many times, including performances in LA Opera productions of The Girl of the Golden West, El Gato Montés and a broadcast of Il Postino on the Arts Plaza. He has sung in concerts and, in 2006, performed for the opening night of the Renée and Henry Segerstrom Concert Hall and in Die Walküre during the Mariinsky Festival. The legendary tenor/baritone remarked, “This is a wonderful opportunity for LA Opera and Segerstrom

L S EY’S A E B L AS FLORES

Christoeper Koelsch, James Conlon, Placido Domingo and Center President Terry Dwyer

Center for the Arts to collaborate on a truly noteworthy event: the first performances in Southern California of Verdi’s The Two Foscari, presented in an early celebration of Verdi’s upcoming 2013 bicentenary,” said Mr. Domingo. “This is a beautiful but little known opera that combines two of the composer’s recurring themes: the abuse of political power and the bond between father and child. I look forward to returning to Costa Mesa with our Off Grand Series and my fellow performers from LA Opera for what promises to be an exciting revival of an unfairly neglected treasure.”

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LA Opera Off Grand is a new initiative developed to bring LA Opera performances to a wider geographical area, increase audience diversity, and expand the range of experiences for the Company’s existing attendees. LA Opera Off Grand performances will be concentrated in neighborhoods that are not easily accessible to downtown and will expand on traditional ideas of the operatic experience by experimenting with performance spaces, creative artists new to the genre and a variety of musical styles.

Photos by Doug Gifford

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October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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SANTA MARGARITA SLAMS THE DOOR ON SERVITE 21-0 EAGLES DELIVER THEIR THIRD SHUT OUT THIS SEASON

Ryan Wolpin dives over the goal line to score Santa Margarita’s first of three touchdowns.

Story and photos by Steve Wylie The Santa Margarita Eagles had Servite’s number last Friday and that number was zero. Zero was the number of points that The Friars were able to score against the Eagles. The Friars must have missed the meeting where they should have been told that Santa Margarita had recorded two prior shutouts in their first five games including a 72 to zero victory against Carson.

Instead, the Servite team relaxed with the comforting dream that since they had beaten Santa Margarita before, they might have a good chance to do that again. They had only two chances: slim and none.

Coach Harry Welch demonstrated his team’s incredible depth and versatility by starting not one, but two talented quarterbacks. Josh Canty completed five of eight passing attempts for thirty yards. Kyle Sweet, quarterback in the second half completed six of seven passes for 36 yards, with 52 yards rushing. Ryan Wolpin ,who previously scored a new school record with six (6) rushing touchdowns, scored two more touchdowns against Servite to give him 50 career scores in 33 games.

Wolpin needs only 46 more rushing yards to reach 3000 his career. Senior River Craycraft grabbed four receptions against Servite for 22 yards for Page 8

a total of 105 all-time receptions. He needs just four (4) more yards to pass Brad Finneran.(now Atlanta Falcons Wide Receiver) Craycraft leads the team with 27 receptions for 466 yards and five touchdowns . Safety R.J. Mazolewski ran twice for 21 yards and made 15 tackles against Servite.

Servite had the first scoring opportunity of the game. Late in the first quarter, the Friars missed a field goal. The Eagles responded with 3:33 remaining in the first half, as Ryan Wolpin capped a 56 yard drive with a two yard dive over the goal, giving Santa Margarita a 7-0 lead. With time running out in the first half, Servite quarterback Travis Waller hit wide receiver Equanimeous St. Brown with a Hail Mary pass to the Eagle eight yard line. Down to the last second, Servite tried another field goal, but Gian Carlo Spinosi raced in from the right side to block the kick. The half ended with the Eagles up, 7-0.

With less than three minutes remaining in the third quarter, and Servite facing fourth and long, the center snap sailed over the punter’s head.

Eagle linebacker Tony Bone recovered the ball on the Servite 17 yard line, setting up another scoring drive. Once again, Ryan Wolpin capitalized at 1:01 with a three yard rush up the middle,

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Servite wide receiver Equanimeous St. Brown hauls in a Hail Mary pass late in the first half. The Friars failed to capitalize on this scoring opportunity.

scoring his second touchdown. After Servite went three and out, the Eagles took over at their own 42 yard line and quickly marched downfield. Kyle Sweet carried the ball in from three yards out, sealing the 21-0 victory with 5:29 remaining in the game.

The eagle’s formidable defense held Servite to just 73 yards total offense. Defensive end Nick Begg sacked Servite quarterback Travis Waller twice. Opposing ball carriers

are often besieged by four or more Santa Margarita defenders delivering weapons-grade tackles.

The Eagles face the once-feared Mater Dei tonight at Saddleback College. If the Monarchs are planning to de-throne this eagle team which is the currently ranked number one team in California, and perhaps in the nation, they won’t find it easy. The excitement begins at kickoff set for 7:30 PM

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The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

October 12, 2012

Eagle defensive back Gian Carlo Spinosi breaks up a Travis Waller pass to Equanimeous St. Brown.

Sophomore quarterback Kyle Sweet rushed for 52 yards in the second half against Servite .

Eagle center Dane Crane (55) calls Ryan Wolpin’s second rushing touchdown to give the Eagles a 14-0 lead.

Running back RJ Mazolewski breaks into the Servite secondary late in the fourth quarter in the Eagles’ 21-0 victory.

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October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

October 12, 2012

PROMINENT BUSINESS AND CIVIC LEADERS GATHER AT DOVE CANYON COUNTRY CLUB TO HEAR MAYOR’S STATE OF THE CITY ADDRESS The Dove Canyon Country Club was the site of the annual state of the city address presented by the Rancho Santa Margarita chamber of commerce. Following the pledge of allegiance by chief of police Brian Schmutz and the United States Marine corps color guard, and an invocation by Pastor Ryan Oddo of the Bridge Church, Mayor Anthony Beall addressed the crowd “At a time when our nation, state and many local government agencies are drowning in debt and deficits, the City of Rancho Santa Margarita continues to thrive,” he said.

Despite the economic challenges facing our nation and state, the City of Rancho Santa Margarita has finished the last Fiscal Year with a significant budget surplus of $1.2 million and has over $20 million in reserve - the equivalent of a full year’s operating budget For ten consecutive years, the City of Rancho Santa Margarita has been ranked as one of the safest communities in California.

Last year for the second consecutive time, Rancho Santa Margarita was ranked by the FBI as the #1 safest cities in the State of California for cities with a population greater than 20,000 residents!

This year the city created a new position - Child Safety Officer - to continue our commitment to public safety.

When so many in our country have lost faith in their government officials, the City of Rancho Santa Margarita has promoted openness and transparency and encourages openness and transparency, and encourages resident participation.

The city council adopted a resolution to continue to adhere to all the provisions of the Brown Act notwithstanding the state’s decision to suspend certain requirements.

The City of Rancho Santa Margarita was recognized by the Grand Jury for our commitment to transparency and praised for website content and clarity.

The City successfully completed an updated audit of every MelloRoos tax district in the City and confirmed Rancho Santa Margarita is entitled to a reimbursement of approximately $700,000 for community projects.

To assist residents in easily gathering information about MelloRoos taxes, a search tool is available on the City’s website.

The city council has created a

new position of child safety officer to continue our commitment of public safety.

Despite the challenges posed by the national and state economic situation, many existing local businesses have expanded or have plans to further expand their operations, including Verizon, Applied Medical, Selma’s, Hanna’s, Tilly’s, and Cinnamon Productions.

Numerous new businesses have opened to become part of Rancho Santa Margarita this past year, including BJ’s Restaurant and Brew house, Ulta Sears Home Appliance Showroom, Academic Learning Labs, LNF Home Creative Transformations, Marque Urgent Care, Togo’s and Embarcadero Restaurant.

In-n-Out Burger has also made a commitment to invest in Rancho Santa Margarita and plans to open a location on Santa Margarita Parkway next year.

The City is seeking to engage a project manager for development of the “Chiquita Ridge Property,” a project that would include the largest regional sports park in O.C. and significant new commercial/retail business opportunities.

Promoted Quality of Life through City Sponsored Community Events and Programs

New Year’s Eve “Celebrating Family and Friends” - Brings together thousands of children and adults to enjoy good food, low-cost activities, and free entertainment in an alcohol-free setting.

Summer Concert Series Thousands gathered in Central Park to relax and enjoy the evening, and their city, to the sounds of their favorite bands.

Hyundai Hope on Wheels 5K - The City partnered with Hyundai to bring back to Rancho Santa Margarita this signature community event which was entirely underwritten by the generous support of Hyundai Motor Corporation. Best of all, the event raised $50,000 to benefit CHOC Children’s Hospital to fund pediatric cancer research!

Support for the City’s Adopted 2/5 Marine Battalion - The City partnered with Santa Margarita Ford to host a 2/5 Ooh-Rah! Car Wash to assist families during the long periods of deployment.

Solemn Patriot Day Ceremony - This year’s event was a special observance of the 10th anniversary of the 9-11 terrorist attacks, as well

Mayor Anthony Beall declares that Rancho Santa Margarita is continuing to thrive

New business, a balanced budget and an award winning city gives Mayor Beall much to smile about

as a special tribute to Corporal Jordan Stanton, a hometown hero who gave his life defending freedom in Afghanistan as part of Operation Enduring Freedom.

Award Winning City - Recipient of the prestigious Certificate of Achievement in Financial Reporting by the Government Finance Officers Association of the United States and Canada. Named the “Best Family-Friendly City” by Parenting OC Magazine.

Flag Retirement Ceremony The City partnered with the American Legion to retire worn flags in a sacred and honored ceremony.

Community Emergency Preparedness Academy - The City sponsored program provides residents with critical information and skills to sustain themselves and their families for up to 72 hours without the support of emergency responders.

Student Recognition Program - The City Council recognized outstanding students from virtually all Rancho Santa Margarita public and private schools for their academic and citizenship achievements.

Programs and Classes - More than 200 programs were offered for preschoolers, youth, adults and seniors with topics ranging from arts to fitness and guitar to sewing.

Summer Camps - Nearly 30 different camps engaged children in learning about engineering, cheerleading, art, animation, cooking and magic.

Mayor Beall continued “the city has engaged a highly respected national public opinion research company to implement a resident satisfaction survey and received scientific, statistically reliable results.99% of our residents rated the city as excellent or a good place to live. Reflecting over the past 3 to 4 years, more than nine in 10 respondents stated that the quality of life in Rancho Santa Margarita as either stay the same or improved. 92% of community members approved of the overall job being done by the Rancho City government in providing services.

When asked about City Council compensation, a supermajority approved the compensation and agreed that city council members should be compensated for the service they provide. The highest rated aspects of community life were; the general appearance of the community (96%) personal safety (95%) and access a building and availability of open space and natural areas (92%)

The Coto de Caza News

Page 11

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

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Join us for our Learning Center Open House in October!

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October 12, 2012

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October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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The Coto de Caza News

Local Dentist Dr. Michael Tessier Discusses How Soon Should my Child be Visiting the Dentist Many parents ask me “How soon should my child be visiting the dentist?” I disagree with the American Dental Association opinion that infants should be seen be a dentist by the time they’re a year old. I called the ADA, and then two pedodontists (dentists who specialize in treating children) for elaboration. Over my thirty-five years of practicing dentistry, I have felt that, except in very extreme cases, the earliest a child needs to be seen by a dentist is in the third year. After my recent conversations, my opinion hasn’t changed. The specialists and the ADA all agree that the reason to bring the child in earlier is to make sure that the parents know how to take care of their children’s teeth. Here’s what I like to tell parents: Parents should examine their children’s mouths routinely. Once teeth are in, visually checking the mouth is important; and if something looks out of the ordinary, then the child should be seen by a professional. With regard to what a child puts in his or her mouth, sugars (simple carbohydrates) should always be avoided. Apple juice, in particular, is very sugary and acidic; when a child is allowed to drink it from a baby-bottle, irrespective of how enjoyable it may be to the child, it is very bad for the teeth. If a child is thirsty, give your child cool, fresh water. Complex carbohydrates, like fruits or vegetables, probably don’t break down enough in the mouth to cause cavities, so they’re OK. Babies should never go to sleep with a bottle of milk or formula, either, and for the same reasons.

And, soft drinks should NEVER, EVER, cross a child’s lips.

Teaching your child the importance of brushing, of course, is something a child should be taught early. Having said that, a child will clean the teeth probably better by eating a carrot, or a stick of celery, or an apple, as by brushing. That’s because they have neither the concept nor the coordination to brush effectively.

Unless there’s something out of the ordinary going on such as an accident or a parent has a question, I like to see kids when they’re about three years old. Children do better in the chair on their first visit when they’ve been to my office before with mom or even an older sibling. So, bring your little-one with you when you come in to your get your teeth cleaned.

Dr. Michael Tessier’s office is located at 28562 Oso Parkway the intersection of Oso and Antonio Parkways (near the car wash). Most major credit cards and dental plans are cheerfully accepted. Telephone (949) 459-7212.

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The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

October 12, 2012

Coto Village Homeowners association news The Importance of Voting by dkoselka Most years we struggle to reach quorum for the annual election. Last year -- in a rare feat -- the Village received enough valid votes for the first ballot to count. Historically, we fall short by 40-50 ballots with about a two dozen ballots declared invalid. Not making it on first ballot costs us money because a second, special meeting has to be convened with the elections inspector.

We need 50 percent plus 1 -- or 214 members -- to return their ballots in order to conduct the annual election on the first try. We currently are 53 ballots short of quorum.

As of October 5, we had: 149 complete ballots 12 ballots with no return address.

These ballots will be factored into our quorum number but the votes are not counted.

6 ballots returned to sender 20 ballots with off-site (nonVillage) addresses (The elections inspector is the only person with the authority to determine if the ballots with no return address or off-site addresses may have their votes counted.)

Please take a moment to fill out your ballot and return it in the white envelope with your address and signature. Postage is already provided for you. If you need a ballot, contact Jaime Moore at Merit.

Step -by-s t ep i nstr uc tions for filling out your ballot:

Every year a number of ballots are thrown out because they are not filled out properly. Below are stepby-step instructions we hope you find valuable. Be sure to share this information with your neighbors.

1. Voting Instructions – tear off the bottom of the sheet and set it aside. Make note of your unit number in the upper right corner.

You will need this later.

2. Complete your ballot. You may cast FIVE (5) votes. The five votes may be cast for one candidate or split among candidates. Use whole numbers, not X’s or check marks.

DO NOT sign your ballot.

3. Insert your ballot into the YELLOW envelope and seal it. DO NOT sign this envelope.

4. Place the yellow envelope into the WHITE envelope and insert the tear-off sheet from the Voting Instructions. Make sure Merit’s

address visible in the window. Seal the white envelope.

5. Complete the front of the WHITE envelope. Fill out your name and unit number, which is in the upper right corner of the Voting Instructions sheet. Make sure you SIGN the front — without a signature your ballot will be considered invalid.

Village business can be conducted on a limited basis only until a new board is seated. Delaying the election a month because we did not receive enough properly executed ballots is frustrating, time consuming and expensive.

Let’s repeat last year’s success!

Make it your goal to return your bal- within your term as director? To lot on or before October 17. see the Architectural Guidelines finish with a lot better meaning Meet The Candidates and understanding than the old ones. To make sure the Village is Jason Vallone (Incumbent) protected by developers that could As President of the Village change the beauty of the Village.

Board, I have worked hard to What is your background and build bridges with CZ Master, the experience? Have you served as a Estates and Dove Canyon. I have committee member or director for a participated on an inter-HOA com- community association? Contracmittee where we have discussed tor, yes, this one for 10-11 years. issues affecting us all: trespassing, graffiti, damage to our trails, sheriff Doug McCormick patrols, emergency preparedness Why are you interested in servand increased communication. If ing as a director and what goals re-elected to the Board, I would do you want to see accomplished like to continue to keep the lines within your term as director? I of communication open and to con- have lived in Coto de Caza for 22 tinue to cooperate with the HOAs years and have lived in the Village on issues that affect us all. since 2005. I have been involved The uniqueness of our Village with the association board and can only continue if our HOA is landscape committee for 4 years. run like a successful company, I would like to have the opportunity respecting our rules and regula- to continue serving our community tions and treating each other with in 2013. respect. If I am re-elected to the The Village has so much to offer.

Board, I will continue to do just We have open areas, equestrian that. trails, mature trees, classic custom made homes, all with a small town Ken Upton (Incumbent) feel. This is an area where you Why are you interested in serv- can get to know your neighbors. I ing as a director and what goals myself have utilized our trails for do you want to see accomplished recreational use for years. The within your term as director? My beauty of our community is what priority is to maintain low HOA has inspired me to serve on the dues, which increases your home association board. value and to maintain our Village.

To get as high as possible, home Jim Evans (Incumbent) price – our streets are bad devaluI often visited Coto De Caza ing home. and The Village in the 1970’s as What is your background and a young boy to ride my brotherexperience? Have you served as a in-law’s horses. From that time I committee member or director for always loved this area. I moved a community association? Village to The Village with my wife and HOA 11 years, total 4 as President. six children over 12 years ago and have enjoyed the atmosphere and Jeff Reuter (Incumbent) sense of community The Village Why are you interested in serv- offers. In my professional life I am ing as a director and what goals the owner of a commercial real do you want to see accomplished estate financial services consulting

firm. We employ over 250 people and provide advisory services to financial institutions.

As I have served this past year as a member of the board I have gained a clearer view of the community’s needs and challenges. It is my desire as a board member to continue with the efforts we have initiated this past year and have the opportunity to address some of the ongoing needs of the community. My continued hope is to establish long term plans and views concerning infrastructure issues The Village faces rather than short term band aid fixes that will cost the residents more money in the long run.

Linda Bundy (Incumbent) Why are you interested in serving as a director and what goals do you want to see accomplished within your term as director? I am interested in serving as a director for a second term in order to finish the project I have been working on for the past year. I am chairing the Architectural Guidelines Committee which has been working very hard for the past 9 months to update the architectural guidelines that are 10 years old. It has been a huge undertaking and we are getting closer to completing this project.

I have worked directly with our architectural consultant as well as with the Dunn Edwards paint representative. We have passed the new color palette and I am working to have the information available on line to help homeowners when selecting new paint colors. My goal is to see the process become streamlined and fair and impartial for all homeowners.

The Coto de Caza News

Page 15

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

Get Ready for Medicare Open Enrollment

By Jason Alderman F o r senior citizens, the most important decision you will make this fall comes in the form of choosing the most appropriate Medicare coverage options for next year.

Medicare’s 2013 open enrollment period runs from October 15 to December 7, 2012. For most current enrollees, that’s the only time to make coverage changes for the coming calendar year (exceptions are made if you later move outside your plan’s service area, qualify for financial assistance or a few other situations).

Several changes to Medicare take effect in 2013, including: Medicare Part D participants who reach the so-called doughnut hole coverage gap will begin receiving a 52.5 percent discount on brand-name prescription drugs and a 21 percent discount on generics, compared to 2012’s 50/14 percent rates.

Medicare will begin covering

additional preventive and screening services, including assessments and counseling for depression, alcohol misuse, cardiovascular disease and obesity.

A redesigned Medicare Summary Notice, which explains what your doctor/ provider billed for, the Medicareapproved amount, what Medicare paid, and what you must pay.

Medicare also recently overhauled its website (www.medicare.gov), adding many new features and simplifying the language and site navigation.

For example: The homepage now provides direct links for common tasks like applying for Medicare, changing plans, calculating costs, researching what different plans cover and more.

Search for whether a specific test, item or service is covered under Original Medicare (Parts A and B).

Quick links to replace a lost Medicare card, find a Medicare Advantage (Part C) or prescription drug plan (Part D).

Find doctors and other health professionals, nursing homes, hospitals, home health services and health/drug plans, and make side-byside comparisons of costs and care provided.

It can be accessed on mobile

devices like tablets and smartphones, so you can seek information anywhere, anytime.

Briefly, Medicare provides health care benefits to people age 65 and older and those under 65 with certain disabilities or end-stage renal disease. For most people, the initial enrollment period is the seven-month period that begins three months before the month they turn 65. If you miss that window, you may enroll for the first time between January 1 and March 31 each year, although your coverage won’t begin until July 1. To apply for Medicare online, visit www. ssa.gov/medicareonly.

Medicare plans and coverage options include: Part A; helps cover inpatient hospital, skilled nursing facility, hospice and home health care services.

Part B; helps cover doctor’s services, outpatient care and some preventive services. It’s optional and has a monthly premium.

Part C (Medicare Advantage) – offers plans run by Medicareapproved private insurers as alternatives to Original Medicare. Most cover prescription drugs and some include extra benefits at additional cost. You’re usually required to use the plan’s provider network.

Part D; helps cover the cost of prescription drugs. It’s optional and carries a monthly premium. These privately run plans vary widely in terms of cost, copayments and deductibles and medications covered.

Some people also purchase additional Medigap (Medicare Supplemental) insurance offered by private insurers. It follows strict government coverage guidelines and helps pay for many items not covered by Medicare, including deductibles, copayments and coinsurance.

Understanding and choosing the right Medicare options can be complicated and time-consuming. For assistance, call 1-800-633-4227 or read; Medicare & You; a highly detailed guide that explains Medicare in easy-to-understand language – it’s found at www.medicare. gov.

HARVEST FESTIVAL® ORIGINAL ART & CRAFT SHOW This weekend the Harvest Festival® Original Art & Craft Show comes to the Anaheim Convention Center October 12-14, 2012 with more than 24,000 handcrafted originals, live music, demonstrations, a Kidzone, strolling performers, contests, specialty foods, and more. Patrons who bring non-perishable food items to donate to the Second Harvest Food Bank of Orange County will receive $2 off of the admission price.

Celebrating 40 years as the west coast’s largest and finest indoor craft show, the fall tradition brings together more than 200 exhibitors from across the nation for a shopping extravaganza like no other. The festive atmosphere makes exploring the array of exhibits an exciting discovery of ceramics, paintings, jewelry, blown glass, hand woven clothing, photography, candles, woodwork, garden designs, homemade sauces and soups, antique treasures, children’s accessories, sculptures, holiday ornaments, and more. At affordable prices, each creation features the personal touch to make for a memorable gift or keepsake. Patrons appreciate the opportunity to interact with the artists, get items personalized, or even learn some helpful tips through crafting demonstrations.

Page 16

“Each item in our juried showcase is a ‘made in America’ original created by artists who embrace the opportunity to share their passion,” says Nancy Glenn, Harvest Festival Show Manager.

This year’s 40th Anniversary Celebration will include a special culinary demonstration from The Bikini Chef, Susan Irby, as seen on TV and heard on KABC Radio. This sought after author has written eight cookbooks and has designed the Bikini Lifestyles “Wine, Dine, and Workout,” giving people the tools they need to live a healthy lifestyle. Chef Irby will serve up fitness tips along with scrumptious tastings during her presentations Saturday and Sunday at 1:00pm.

Cerritos resident Susan Lake will be among the exhibitors showcasing their creative talents. She has been woodcarving all summer to have a supply of new Halloween and Christmas gift items and ornaments.

Her pieces begin with a sketch, prog-

The Coto de Caza News

ress to a rough shape from a band saw, before being hand carved and finished with a detailing paintbrush.

Never one to be idle, she carves at her booth throughout the weekend.

Gayle Newell of Irvine specializes in collector ornaments and personalized keepsakes with her Tole-Tally Unique products. What started as a hobby has grown in popularity with a busy year-round schedule to keep up with demand. She personalizes items right on the spot, making for the perfect gift.

Fullerton based Marion Owens of Maraya Jewelry Art will be showcasing her fine handcrafted rings, pennants and precious gems. Designing since 1976, she has an incredible skill for creating the perfect showpiece for everyday and special occasions.

Connecting with the community, Knots of Love will greet guests at the bag and parcel check and Discovery Science Center will host the interactive, Halloween-inspired Kidszone while Kids Are 1st will offer free child fingerprinting and photo ID kits.

The Coto de Caza News

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

October 12, 2012

FESTIVAL OF ARTS HIGHLIGHTS VARIETY OF 2012 ART SHOW IN “POTPOURRI” EXHIBIT The Festival of Arts is pleased to announce a new exhibit, “Potpourri” now on display at the Wells Fargo Bank in Laguna Beach through December 6, 2012. Featuring a diverse group of Festival exhibitors from a variety of medium, the show highlights the wide range of styles and mediums represented in this summer’s Festival of Arts Fine Art Show. A special opening reception with the exhibiting artists will be held October 30, 2012 from 11am to 2pm and is free and open to the public.

The Festival of Arts – California’s Premier Fine Art Show is a prestigious, highly competitive, regional juried fine art show featuring original artwork by southern Orange County’s finest artists. In 2012, the Festival of Arts celebrated its 80th Anniversary with the work of 140 accomplished artists showcased to the public during the eight-week run. Each season a group of professionals involved in the art community evaluate the original

“The Catch” by Carolyn Machado

artwork of the artists featured in the annual summer exhibit. The 2013 Festival of Arts Fine Art Show will run June 30 – August 31, 2013. For more information on applying to the 2012 Festival of Arts show, please call (949) 464-4234 or go online at LagunaFestivalofArts.org.

Artists featured in the Festival’s “Potpourri” exhibit include Mary Aslin (pastels), Susan Cox (acrylics), the collaborative team of Stephanie Cunningham and Betty Haight (mixed media), Rick Delanty (acrylics), Robert Hansen (photography), Tom Lamb (photography), Carolyn Machado (mixed media), Elizabeth McGhee (oils), Lee Munsell (oils), Julie Sample (photography), Gerald Schwartz (oils), Tim Shockley (sculpture), Mike Tauber (ceramics), Elaine Twiss (acrylic), Noriho Uriu (printmaking), Bruce Vanderwilt (oils), Vinita Voogd (printmaking), Cliff Wassman (photography), and Annette Wimmer (oils).

“This new show at Wells Fargo is a great sampling of the talent of this summer’s exhibit,” said exhibit curator Pat Sparkuhl. “This extraordinary group of artists exemplify the quality and variety on display during the Festival of Arts 80th Anniversary season.”

The exhibit is on the third floor of the Wells Fargo building at 260 Ocean Avenue, Laguna Beach. It is part of

an ongoing series of shows that the Festival of Arts will be holding at Wells Fargo. The building is open to the public Monday through Friday 9:00 a.m. - 6 p.m. and Saturday 9 a.m. - 4 p.m. Admission is free. The Festival of Arts is a non-profit organization whose proceeds support the arts in and about Laguna Beach. For more information call 949-464-4282.

“Bad Hair Day” by Bruce Vanderwilt

“Passage” by Lee Munsell The Coto de Caza News

Page 17

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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Society Scene by

Kelly Bennett Exclusively for the Coto de Caza News

OC Athlete with Cerebral Palsy to Attempt Ironman World Championship; OM Foundation Presents $100k Check

Bonner Paddock poses with long time supporters Keith and Andrea Bridges from Mission Viejo

Families and supporters of Orange County-based philanthropist and athlete Bonner Paddock joined together at United Cerebral Palsy of Orange County’s (UCP-OC) Irvine headquarters for a special ceremony and sendoff for Paddock who aims to raise $1 million for children with disabilities and hopes to make history by being the first person with cerebral palsy to complete the Ironman World Championship in Kona, Hawaii.

Saturday, October 13th is the Ironman World Championship consisting of a 2.4 mile swim, 112 mile bike ride and a 26.2 mile run. The inaugural event was conceptualized in 1977 as a way to challenge athletes who had seen success at a local biathlon. Fifteen people came to the challenge back in 1978, now there are nearly 1800 athletes embarking on the 140.6 mile journey that presents the ultimate test of body, mind and spirit to earn the tile of “Ironman”.

Set in Hawaii, the Kona Coast gives the athletes a black lava view while battling crosswinds of 45 mph, 95 degree temperatures and a scorching sun. OM Foundation Board Members Vern Underwood from Young’s Market and The Ironman Triathlon became the benchmark against which all extreme Angel’s Chairman Dennis Kuhl present a $100,000 check to United Cerebral Palsy of Orange County CEO Cathleen Collins sports challenges would be measured.

Looking at the roster of participants, the youngest are one male and one female both at 19 years of age and the oldest are three athletes all at the age of 82 (two males and a female). Paddock, age 37 is competing with around fifty males his age, but in the 35-39 year old category, he is challenged with just over 230 males.

You might remember Paddock, he’s a Newport Beach resident and in 2008, he climbed Mt. Kilimanjaro to raise $250,000 for UCP of Orange County.

A video documentary, “Beyond Limits,” narrated by the late Michael Clarke Duncan tells the amazing story.

Paddock is also a UCP-OC Board Member and the founder and chairman of OM Foundation and his One Man, One Mission campaign is raising funds for early learning centers at United Cerebral Palsy of Orange County (UCP-OC) and other facilities such as Light in Africa (Tanzania) and Dell Children’s Hospital (Austin, TX).

On hand for the sendoff celebration visiting from Africa, was Mama Lynn from the organization Light in Africa and Juliana, a 16 year old from Tanzania UCP-OC client Faith Langhorn from Mission Viejo poses with Bonner whose legs had to be amputated and is now being fitted for prosthetics. Her Paddock and client Ashley Arambula from Laguna Hills legs had been severely damaged since birth; she creatively got around using her knees. Bonner met Mama Lynn and toured the orphanage during his trip to Tanzania and it was during that visit he realized the need to support organizations assisting disabled children is a world-wide issue. To date the Light in Africa organization houses 237 children with disabilities ranging from cerebral palsy, Down syndrome, and mental disabilities. Many of the children are HIV positive as well. To help address the shortage of services for children with special needs, Paddock and the OM Foundation plan to build additional centers in Tanzania to house and provide care for abandoned children with disabilities.

We wish Bonner Paddock lots of luck on his quest and if you are interested in viewing the Ironman Competition, you can visit www.Ironman.com for exclusive streaming coverage on October 13th. Viewers can access the live webcast, live blog and athlete tracker via computer and, for the first time, via tablet or smart phone beginning at 6 AM local time. Cheer Paddock on and follow him on Twitter at @bonnerpaddock. For more information about United Cerebral Palsy of Orange County, visit www.ucp-oc.org or for more information about OM Foundation, visit www.1man1mission.org.

Photos courtesy of United Cerebral Palsy of Orange County Page 18

The Coto de Caza News

Bonner Paddock posing with his Ironman Jersey and bike for Ironman World Championship

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SMCHS 2012 Fall Open House Santa Margarita Catholic High School will be hosting its Fall Open House on Sunday, October 14, 2012 from 11:00-2:00pm at Santa Margarita Catholic High School, 22062 Antonio Parkway in Rancho Santa Margarita, Santa Margarita Catholic High School was recently ranked as the #22 academic private high school in the United States by the Washington Post, and the highest ranked private high school in Orange County. At the Open House, you will see the new Academic Services center, the Eagle Television studios, the Olympic-sized aquatics center, the 39,000 square foot Eagle Athletic Center, and learn why Santa Margarita Catholic High School ranks as one of the top high schools in America.

Open House is open for 5th, 6th, 7th, and 8th grade students and their families. Campus Tours will be available, and teachers and coaches from our academic departments and athletic teams will be present to answer your questions. No reservations are necessary; simply drop by any time from 11 am to 2 pm.

Two special information sessions will held during the day in the Moiso Pavilion (gymnasium) at 12:00 pm and 1:00 pm. These two sessions will present information about the school’s academics, activities, athletics, spiritual life, and the admissions process to become an Eagle.

“Walking around the halls of our academic buildings, seeing the students interact with faculty and staff, and participating in energy charged school wide Masses are just a few of the unique experiences offered at Santa Margarita Catholic. I see young, bright eyed freshman enter our doors excited about this new chapter of their life. Four years later, these confident, skilled men and women leave well-balanced spiritually, intellectually, physically, and socially for the life challenges they will face.” – Ron Blanc, Admissions Director You may also view the Open House/ Admissions website athttp://www. smhs.org/ The Coto de Caza News

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Coto de Caza Legal Notices

Coto de Caza Legal Notices

TSG No.: 6345035 TS No.: CA1100238561 FHA/VA/PMI No.: APN: 654-701-37 Property Address: 24642 EL MANZANO LAGUNA NIGUEL, CA 92677 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 02/02/2005. 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. On 11/01/2012 at 01:30 P.M., First American Trustee Servicing Solutions, LLC, as duly appointed Trustee under and pursuant to Deed of Trust recorded 02/08/2005, as Instrument No. 2005000099208, in book , page , , of Official Records in the office of the County Recorder of ORANGE County, State of California.

Executed by: JONATHAN MCGREGOR, A SINGLE MAN AND CYNTHIA R MALOOF, A SINGLE WOMAN, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/ CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 654-701-37 The street address and other common designation, if any, of the real property described above is purported to be: 24642 EL MANZANO, LAGUNA NIGUEL, CA 92677 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.

Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $509,326.95. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located.

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 (916)939-0772 or visit this Internet Web http:// search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case CA1100238561 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 sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse. First American Title Insurance Company First American Trustee Servicing Solutions, LLC 3 FIRST AMERICAN WAY SANTA ANA, CA 92707 Date: FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (916)939-0772 First American Trustee Servicing Solutions, LLC MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.NPP0208547 COTO DE CAZA NEWS 10/12/2012, 10/19/2012, 10/26/2012

TSG No.: 6856793 TS No.: CA1200245597 FHA/VA/PMI No.: 6000342430 APN: 938-38-737 Property Address: 66 MESQUITE TRABUCO CANYON, CA 92679 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 10/25/2007.

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. On 11/01/2012 at 01:30 P.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 10/30/2007, as Instrument No. 2007000658135, in book , page , , of Official Records in the office of the County Recorder of ORANGE County, State of California. Executed by: ROBERT W SANDBERG, AN UNMARRIED MAN, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 938-38-737 The street address and other common designation, if any, of the real property described above is purported to be: 66 MESQUITE, TRABUCO CANYON, CA 92679 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.

Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $313,259.69. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located.

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 (916)939-0772 or visit this Internet Web http:// search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case CA1200245597 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 sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse. First American Title Insurance Company First American Title Insurance Company 3 FIRST AMERICAN WAY SANTA ANA, CA 92707 Date: FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (916)939-0772 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.NPP0208125 COTO DE CAZA NEWS 10/12/2012, 10/19/2012, 10/26/2012

TSG No.: 6861543 TS No.: CA1200245646 FHA/VA/PMI No.: APN: 673-701-02 Property Address: 9 GRAY STONE WAY LAGUNA NIGUEL, CA 92677 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 08/09/2002. 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. On 11/01/2012 at 01:30 P.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 08/15/2002, as Instrument No. 20020685225, in book , page , , of Official Records in the office of the County Recorder of ORANGE County, State of California. Executed by: MARLA ARTHUR, A MARRIED WOMAN, AS HER SOLE AND SEPARATE PROPERTY, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 673-701-02 The street address and other common designation, if any, of the real property described above is purported to be: 9 GRAY STONE WAY, LAGUNA NIGUEL, CA 92677 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $739,346.66. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located. 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 (916)939-0772 or visit this Internet Web http://search. nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case CA1200245646 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 sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse. First American Title Insurance Company First American Title Insurance Company 3 FIRST AMERICAN WAY SANTA ANA, CA 92707 Date: FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (916)939-0772 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.NPP0208156 COTO DE CAZA NEWS 10/12/2012, 10/19/2012, 10/26/2012

NOTICE OF PETITION TO ADMINISTER ESTATE OF: LUCRECIA FERNANDEZ CANO CASE NO. 30-2012-00603122-PR-PW-LJC To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the WILL or estate, or both of LUCRECIA FERNANDEZ CANO. A PETITION FOR PROBATE has been filed by JUDITH TOBIAS in the Superior Court of California, County of ORANGE. THE PETITION FOR PROBATE requests that JUDITH TOBIAS be appointed as personal representative to administer the estate of the decedent.

THE PETITION requests decedent’s will and codcilis, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.

THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act . (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A HEARING on the petition will be held in this court as follows: 11/15/2012 at 1:30PM in Dept. L-73 located at 341 THE CITY DRIVE, ORANGE, CA. 92868 LAMOREAUX JUSTICE CENTER. IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within four months from the date of first issuance of letters as provided in Probate Code section 9100.

The time for filing claims will not expire before four months from the hearing date noticed above. YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code Section 1250.

A Request for Special Notice form is available from the court clerk.

Attorney for petitioner: JERRY MORGAN (SBN: 109666), 500 N. COLLEGE BLVD, SUITE 1100, ORANGE, CA 92868. Telephone: 714-919-4290 Coto de Caza News – 10/12/2012, 10/19/2012, 10/26/2012, 11/2/2012

NOTICE OF TRUSTEE’S SALE TS No. CA-11-485264-CL Order No.: 110568055-CA-GTI YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 4/6/2007. 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): AMIT K. JAIN AND NISHA P. JAIN, HUSBAND AND WIFE, AS COMMUNITY PROPERTY Recorded: 4/11/2007 as Instrument No. 2007000233271 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 11/2/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $603,263.02 The purported property address is: 6 OLEANDER LN, RANCHO SANTA MARGARITA, CA 92688 Assessor’s Parcel No. 787-281-46 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-11-485264-CL . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 714-573-1965 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-11-485264-CL IDSPub #0038743 10/12/2012 10/19/2012 10/26/2012

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The Coto de Caza News

The Coto de Caza News

T.S. No.: 11-41897 TSG Order No.: 110088351-CA-MSI A.P.N.: 935-43-315 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 2/12/2007. 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 10/25/2012 at 09:00 AM, Old Republic Default Management Services, a Division of Old Republic National Title Insurance Company as duly appointed Trustee pursuant to the Deed of Trust, Recorded 02/16/2007 as Instrument No. 2007000106799 in book -- page -- of Official Records in the office of the Recorder of Orange County, California, executed by: TROY D. GRANTZ AND CHRISTINE M. GRANTZ, HUSBAND AND WIFE, as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC as Beneficiary. WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable in full at time of sale by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a 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). On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA 92866 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and state, and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 161 PASTO RICO , RANCHO SANTA MARGARITA, CA 92688 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made in an “AS IS” condition, 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit: $504,250.15 (Estimated). Accrued interest and additional advances, if any, will increase this figure prior to sale. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. 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 (714) 573-1965 or visit this Internet Web site www.priorityposting. com, using the file number assigned to this case 11-41897. 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. The Declaration pursuant to California Civil Code, Section 2923.5(a) was fulfilled when the Notice of Default was recorded on 7/2/2012 Date: 10/3/2012 Old Republic Default Management Services, A Division of Old Republic National Title Insurance Company, as Trustee 500 City Parkway West, Suite 200, Orange, CA 92868-2913 (866) 263-5802 For Sale Information Contact: Priority Posting and Publishing (714) 573-1965 Tony Delgado, Trustee Sale Officer “We are attempting to collect a debt, and any information we obtain will be used for that purpose.” P986050 10/5, 10/12, 10/19/2012 Title No. 1140667 ALS No. 2012-4649 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT OF A LIEN, DATED DECEMBER 21, 2011.

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. NOTICE IS HEREBY GIVEN THAT: On November 6, 2012, at 9:00 AM, ASSOCIATION LIEN SERVICES, as duly appointed Trustee under and pursuant to a certain lien, recorded on December 22, 2011, as instrument number 2011000671788, of the official records of Orange County, California.

WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR LAWFUL MONEY OF THE UNITED STATES, OR A CASHIERS CHECK at: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, California 92866. The street address and other common designations, if any, of the real property described above is purported to be: 12 Lawnridge, Dove Canyon, California 92679 a.k.a.

12 Lawnridge, Rancho Santa Margarita, California Assessor’s Parcel No. 804-741-03 The owner(s) of the real property is purported to be: Aaron S. Crackower and Kimberly E. Crackower, husband and wife as joint tenants The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designations, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession or encumbrances, to pay the remaining principal sum of a note, homeowner’s assessment or other obligation secured by this lien, with interest and other sum as provided therein: plus advances, if any, under the terms thereof and interest on such advances, plus fees, charges, expenses of the Trustee and trust created by said lien. 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 the initial publication of the Notice of Sale is $6,876.95. Payment must be in cash, a cashier’s check drawn on a state or national bank, a check drawn by a state bank or federal credit union, or a check drawn by a state or federal savings & loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state. The real property described above is being sold subject to the right of redemption. The redemption period within which real property may be redeemed ends 90 days after the sale. 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 contact Priority Posting & Publishing for information regarding the trustee’s sale or visit its website www. priorityposting.com for information regarding the sale of this property.

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 website. The best way to verify postponement information is to attend the scheduled sale. The beneficiary of said Lien hereto 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. Date: September 24, 2012 Association Lien Services, as Trustee P.O. Box 64750, Los Angeles, CA 90064 (310) 207-2027 By: Alisher Sabirov, Trustee Officer P990508 10/12, 10/19, 10/26/2012

The Coto de Caza News

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TSG No.: 4335010 TS No.: 20099070824160 FHA/VA/PMI No.: APN: 780-091-26 Property Address: 21 GRASSY KNOLL LANE RCHO STA MARG, CA 92688 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 09/28/2005. 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. On 11/01/2012 at 01:30 P.M., First American Trustee Servicing Solutions, LLC, as duly appointed Trustee under and pursuant to Deed of Trust recorded 10/13/2005, as Instrument No. 2005000821912, in book , page , , of Official Records in the office of the County Recorder of ORANGE County, State of California. Executed by: BRIAN GINSBERG and VALERIE N GINSBERG, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/ CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 780-091-26 The street address and other common designation, if any, of the real property described above is purported to be: 21 GRASSY KNOLL LANE, RCHO STA MARG, CA 92688 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $636,980.02. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located. 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 (916)939-0772 or visit this Internet Web http://search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case 20099070824160 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 sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse. First American Title Insurance Company First American Trustee Servicing Solutions, LLC 3 FIRST AMERICAN WAY SANTA ANA, CA 92707 Date: FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (916)939-0772 First American Trustee Servicing Solutions, LLC MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.NPP0208962 COTO DE CAZA NEWS 10/12/2012, 10/19/2012, 10/26/2012 NOTICE OF TRUSTEE’S SALE TS No. 12-0057400 Title Order No. 11-0047091 APN No. 741-162-36 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 02/07/2007. 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. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by NADIA HOOITES MEURSING, A MARRIED WOMAN AS HER SOLE AND SEPARATE PROPERTY, dated 02/07/2007 and recorded 2/9/2007, as Instrument No. 2007000092649, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/29/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 4 IVY GATE LANE, LADERA RANCH, CA, 92694. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $667,147.12.

It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust.

If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 12-0057400. 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.

RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-0194 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.167642 10/05, 10/12, 10/19/2012

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00596629-PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of GIL MIRCEA MARDARESCU, STEPHANIE LYNCH MARDARESCU, and NATALIE LYNNE MARDARESCU, a minor and NATHAN ION MARDARESCU, a minor. Petitioner(s) GIL MIRCEA MARDARESCU, STEPHANIE LYNCH MARDARESCU, on behalf of NATALIE LYNNE MARDARESCU, a minor, and NATHAN ION MARDARESCU, a minor has/have filed a petition with this court for a decree changing name(s) as follows: GIL MIRCEA MARDARESCU to GIL MIRCEA MARDARESCO, STEPHANIE LYNCH MARDARESCU to STEPHANIE LYNCH MARDARESCO, and NATALIE LYNNE MARDARESCU, a minor, to NATALIE LYNNE MARDARESCO, a minor, and NATHAN ION MARDARESCU, a minor, to NATHAN ION MARDARESCO, a minor. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 02, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: SEPTEMBER 10, 2012 Mary Fingal Schulte – Judge of the Superior Court Coto de Caza News– 10/05/2012, 10/12/2012, 10/19/2012,

NOTICE OF TRUSTEE’S SALE TS No. 12-0029472 Title Order No. 12-0049636 APN No. 814-231-07 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 05/18/2004. 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. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by KENNETH C. ATLES, , A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY, A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY, dated 05/18/2004 and recorded 5/26/2004, as Instrument No. 2004000471032, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/26/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust.

The street address and other common designation, if any, of the real property described above is purported to be: 16 SANTA FE, RANCHO SANTA MARGARITA, CA, 92688. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $557,361.28.

It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust.

If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 12-0029472. 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.

RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-0194 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.169130 10/05, 10/12, 10/19/2012

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00603446-PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of JOHN SADZAK. Petitioner(s) : JOHN SADZAK has/have filed a petition with this court for a decree changing name(s) as follows: JOHN SADZAK to JOVICA SADZAK. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 30, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: OCTOBER 9, 2012 Randell J. Sherman – Judge of the Superior Court Coto de Caza News– 10/12/2012, 10/19/2012, 10/26/2012, 11/2/2012

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00602837-PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of SCOTT RAYMOND BURWELL and KEILAH NICOLE BURWELL, a minor. Petitioner(s) KURT M. VARRICCHIO (SBN 223887), LAW OFFICES OF KURT VARRICCHIO, 23151 MOULTON PARKWAY, LAGUNA HILLS, CA 92653, ATTORNEY FOR PETITIONER(s): SCOTT BURWELL; SCOTT BURWELL and MAQUEL HILTON,on behalf of KEILAH NICOLE BURWELL, a minor , has/have filed a petition with this court for a decree changing name(s) as follows: SCOTT RAYMOND BURWELL to SCOTT RAYMOND HOLLOWAY, and KEILAH NICOLE BURWELL, a minor, to KEILA NICOLE HOLLOWAY, a minor. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 30, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: OCTOBER 4, 2012 Randell J. Sherman – Judge of the Superior Court Coto de Caza News– 10/12/2012, 10/19/2012, 10/26/2012, 11/2/2012

NOTICE OF TRUSTEE’S SALE TS No. 12-0002693 Title Order No. 12-0004998 APN No. 636-151-13 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 01/22/2007. 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. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by NASSER SADEGHI, A MARRIED MAN AS HIS SOLE & SEPARATE PROPERTY, dated 01/22/2007 and recorded 1/26/2007, as Instrument No. 2007000056353, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/26/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 25512 RAPID FALLS ROAD, LAGUNA HILLS, CA, 92653. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $2,249,732.84. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 12-0002693. 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.

RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-0194 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.168724 10/05, 10/12, 10/19/2012

October 12, 2012

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00602527 PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of MINA MYUYEN VU. Petitioner(s) MINA MYUYEN VU has/have filed a petition with this court for a decree changing name(s) as follows: MINA MYUYEN VU to LANUYEN VU NGO. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 30, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: OCTOBER 3, 2012 Randell J. Sherman – Judge of the Superior Court Coto de Caza News – 10/5/2012, 10/12/2012, 10/19/2012, 10/26/2012 ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00602441-PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of JEFF SEVKET YANC, ARZU GONCA YANC, and JESSICA SELIN YANC, a minor and JASON BURAK YANC, a minor. Petitioner(s) JEFF SEVKET YANC, and ARZU GONCA YANC, on behalf of JESSICA SELIN YANC, a minor, and JASON BURAK YANC, a minor has/have filed a petition with this court for a decree changing name(s) as follows: JEFF SEVKET YANC to JEFF PASHA MORGAN, ARZU GONCA YANC to ARZU GONCA MORGAN, and JESSICA SELIN YANC, a minor, to JESSICA SELIN MORGAN, a minor, and JASON BURAK YANC, a minor, to JASON BURAK MORGAN, a minor. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 30, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: OCTOBER 3, 2012 Randell J. Sherman – Judge of the Superior Court Coto de Caza News– 10/05/2012, 10/12/2012, 10/19/2012, 10/26/2012

Trustee Sale No. : 20120187405666 Title Order No.: 120217244 FHA/ VA/PMI No.: NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 12/19/2006. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. BARRETT DAFFIN FRAPPIER, TREDER & WEISS, as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 12/22/2006 as Instrument No. 2006000860942 of official records in the office of the County Recorder of ORANGE County, State of CALIFORNIA. EXECUTED BY: TERRY EISINGA HENBERGER, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 10/25/2012 TIME OF SALE: 1:30 PM PLACE OF SALE: AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. STREET ADDRESS and other common designation, if any, of the real property described above is purported to be: 25081 LEUCADIA ST #G, LAGUNA NIGUEL, CALIFORNIA 92677 APN#: 933-34-141 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any , shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $346,752.37. 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. 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 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site www.nationwideposting.com for information regarding the sale of this property, using the file number assigned to this case 20120187405666.

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. FOR TRUSTEE SALE INFORMATION PLEASE CALL: NATIONWIDE POSTING & PUBLICATION 2 A DIVISION OF FIRST AMERICAN TITLE INSURANCE COMPANY 5005 WINDPLAY DRIVE, SUITE 1 EL DORADO HILLS, CA 95762-9334 916-939-0772 www. nationwideposting.com BARRETT DAFFIN FRAPPIER TREDER & WEISS, LLP IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. BARRETT DAFFIN FRAPPIER TREDER & WEISS, LLP as Trustee Dated: 09/27/2012 NPP0207821 COTO DE CAZA NEWS 10/05/2012, 10/12/2012, 10/19/2012

The Coto de Caza News

Page 23

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

Coto de Caza Legal Notices APN: 934-53-167 TS No: CA09002375-12-1 TO No: 7742-468528 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 1/22/2008. 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 PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 10/30/2012 at 09:00 AM, On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA 92866, MTC FINANCIAL INC. dba TRUSTEE CORPS, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded on 01/29/2008 as Instrument No. 2008000041981 of official records in the Office of the Recorder of Orange County, California, executed by RICHARD KEITH VENRICK JR A SINGLE MAN, as Trustor(s), in favor of WASHINGTON MUTUAL BANK, FA as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: As more fully described in said Deed of Trust The property heretofore described is being sold “as is”.

The street address and other common designation, if any, of the real property described above is purported to be: 27373 PASEO LA SERNA , SAN JUAN CAPISTRANO, CA 92675-0000 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee`s Sale is estimated to be $426,107.66 (Estimated), provided, however, prepayment premiums, accrued interest and advances will increase this figure prior to sale.

Beneficiary`s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier`s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee`s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. 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 the successful bidder shall have no further recourse. DATE: 9/24/2012 TRUSTEE CORPS TS No. CA09002375-12-1 17100 Gillette Ave, Irvine, CA 92614 949-2528300 Rowena Paz, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www.priorityposting.com AUTOMATED SALES INFORMATION PLEASE CALL 714-573-1965 TRUSTEE CORPS MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. 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 Priority Posting and Publishing at 714-573-1965 for information regarding the Trustee’s Sale or visit the Internet Web site address on the previous page for information regarding the sale of this property, using the file number assigned to this case, CA09002375-12-1. 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. P987800 10/5, 10/12, 10/19/2012

Title Order No .7742-459096 Trustee Sale No. 2012-1634 Reference No. TI-MON 0051-02 APN No. 938-12-216 NOTICE OF TRUSTEE’S SALE UNDER A NOTICE OF A NOTICE OF DELINQUENT ASSESSMENT AND CLAIM OF LIEN YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT DATED 10/4/2011.

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. Notice is hereby given that on 10/30/2012 at 09:00 AM S.B.S. LIEN SERVICES As the duly appointed Trustee under and pursuant to Notice of Delinquent Assessment, recorded on November 3, 2011 as Document No. 2011000557879 Book Page of Official Records in the office of the Recorder of Orange County, California, the purported owner(s) of said property is (are): CHRISTOPHER BOWMAN AND ROSA BOWMAN WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH, (payable at the time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a State or National bank, a check drawn by a state of federal credit union, or a 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.): On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA. All right, title and interest under Notice of Delinquent Assessment in the property situated in said County, as more fully described on the above referenced assessment lien. The street address and other common designation, if any, of the real property described above is purported to be: 91 TIERRA PLANO , Rancho Santa Margarita, CA 92688 The undersigned trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied regarding title, possession or encumbrances, to pay the remaining principal sum due under said Notice of Delinquent Assessment, with interest thereon, as provided in said notice, advances, if any, estimated fees, charges, and expenses of the Trustee, to-wit: $8,244.16 accrued interest and additional advances, if any, will increase this figure prior to sale. The claimant, TIERRA MONTANOSA MAINTENANCE CORPORATION under said Notice of Delinquent Assessment 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 months 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 invovled 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 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 FOR SALES INFORMATION, PLEASE CALL (714)573-1965 or LOG ONTO or visit this Internet Web site www.priorityposting.com using the file number assigned to this case 2012-1634. 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. THE PROPERTY IS BEING SOLD SUBJECT TO THE NINETY DAY RIGHT OF REDEMPTION CONTAINED IN CIVIL CODE SECTION 1367.4(C) (4). PLEASE NOTE THAT WE ARE A DEBT COLLECTOR AND ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. FOR SALES INFORMATION, PLEASE CALL (714) 573-1965 or LOG ONTO www. priorityposting.com. Date: 9/21/2012 S.B.S. Lien Services, 31194 La Baya Drive, Suite 106 Westlake Village, CA 91362 Annissa Young, Trustee Sale Officer WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. P987409 10/5, 10/12, 10/19/2012

Trustee Sale No. 251536CA Loan No. 0018824516 Title Order No. 860336 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 10/6/2006. 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 11/2/2012 at 09:00 AM, CALIFORNIA RECONVEYANCE COMPANY as the duly appointed Trustee under and pursuant to Deed of Trust Recorded 10/12/2006, Book NA, Page NA, Instrument 2006000678722, of official records in the Office of the Recorder of Orange County, California, executed by: DUSTY W. OTERO, AN UNMARRIED MAN, as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., (MERS), SOLELY AS NOMINEE FOR LENDER, ENCORE CREDIT CORP , 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: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA Legal Description: As more fully described in said Deed of Trust Amount of unpaid balance and other charges: $595,533.08 (estimated) Street address and other common designation of the real property: 31711 VIA MADONNA , SAN JUAN CAPISTRANO, CA 92675 APN Number: 666-045-06 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: 10/2/2012 CALIFORNIA RECONVEYANCE COMPANY, as Trustee Regina Cantrell, 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: (714) 730-2727 or www.lpsasap.com (714) 573-1965 or www.priorityposting.com 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 two 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.

P989942 10/12, 10/19, 10/26/2012

Page 24

The Coto de Caza News

The Coto de Caza News

Coto de Caza Legal Notices T.S. No.: 2012-02765 Loan No.: 0599154812 APN: 804-441-20 TRA No.: 82-323 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 10/22/2004. 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 PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash payable at time of sale in lawful money of the United States by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a 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 will be held by the duly appointed trustee as shown 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. Trustor: DOMINADOR B. PINERA AND EMILIANA C. PINERA, HUSBAND AND WIFE AS COMMUNITY PROPERTY Beneficiary Name: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS A NOMINEE FOR METROCITIES MORTGAGE LLC DBA NO RED TAPE MORTGAGE Duly Appointed Trustee: Integrated Lender Services, a Delaware Corporation and pursuant to Deed of Trust recorded 10/28/2004 as Instrument No. 2004000971758 in book ---, page --- of Official Records in the office of the Recorder of Orange County, California, Date of Sale: 10/26/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $975,910.19 The property heretofore is being sold “as is.” The street Address or other common designation of real property is purported to be: 23 EASTHILL, TRABUCO CANYON AREA, CA 92679, AKA 23 EASTHILL TRABUCO CANYON, CA 92679 Legal Description: As more fully described on said Deed of Trust. A.P.N.: 804-441-20 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 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 months 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 (714) 573-1965 or visit this Internet Web site www.priorityposting.com, using the file number assigned to this case 2012-02765. 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. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: 9/25/2012 Integrated Lender Services, a Delaware Corporation, as Trustee 2411 West La Palma Avenue, Suite 350 – Bldg. 1 Anaheim, California 92801 (800) 232-8787 For Sale Information please call: (714) 573-1965 Linda Mayes, Senior Trustee Officer P988210 10/5, 10/12, 10/19/2012

T.S. No.: 2012-02455 Loan No.: 0598620979 APN: 755-222-50 TRA No.: 82-322 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 3/27/2007. 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. A public auction sale to the highest bidder for cash payable at time of sale in lawful money of the United States by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a 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 will be held by the duly appointed trustee as shown 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. Trustor: Douglas Braun and Sheila Braun, husband and wife Beneficiary Name: Mortgage Electronic Registration Systems, Inc. acting solely as a nominee for Greenpoint Mortgage Funding, Inc. Duly Appointed Trustee: Integrated Lender Services, a Delaware Corporation and pursuant to Deed of Trust recorded 3/30/2007 as Instrument No. 2007000205788 in book ---, page --- of Official Records in the office of the Recorder of Orange County, California, Date of Sale: 10/26/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $1,176,342.42 The property heretofore is being sold “as is.” The street Address or other common designation of real property is purported to be: 4 SHARON LANE, COTO DE CAZA, CA 92679 AKA 4 SHARON LANE TRABUCO CANYON, CA 92679 Legal Description: As more fully described on said Deed of Trust. A.P.N.: 755-222-50 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 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 months 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 (714) 573-1965 or visit this Internet Web site www.priorityposting.com, using the file number assigned to this case 2012-02455. 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. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: 9/28/2012 Integrated Lender Services, a Delaware Corporation, as Trustee 2411 West La Palma Avenue, Suite 350 – Bldg. 1 Anaheim, California 92801 (800) 232-8787 For Sale Information please call: (714) 573-1965 Linda Mayes, Senior Trustee Officer P989132 10/5, 10/12, 10/19/2012

TSG No.: 6816643 TS No.: CA1200245392 FHA/VA/PMI No.: APN: 780-071-52 Property Address: 15 GREENVALE RCHO STA MARGARIT, CA 92688 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 05/11/2004. 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. On 10/25/2012 at 01:30 P.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 05/18/2004, as Instrument No. 2004000440388, in book , page , , of Official Records in the office of the County Recorder of ORANGE County, State of California.

Executed by: GARY J. MCCARTAN II AND ROZA M. MCCARTAN, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 780-071-52 The street address and other common designation, if any, of the real property described above is purported to be: 15 GREENVALE, RCHO STA MARGARIT, CA 92688 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $459,812.63.

The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election

to Sell to be recorded in the County where the real property is located.

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 (916)939-0772 or visit this Internet Web http:// search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case CA1200245392 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 sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse. First American Title Insurance Company First American Title Insurance Company 3 FIRST AMERICAN WAY SANTA ANA, CA 92707 Date: FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (916)939-0772 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.NPP0207787 COTO DE CAZA NEWS 10/05/2012, 10/12/2012, 10/19/2012

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The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

Trustee Sale No. 23194CA Title Order No. 120191228 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 07-17-2003. 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 11-02-2012 at 9:00 AM, MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE as the duly appointed Trustee under and pursuant to Deed of Trust Recorded 07-23-2003, Book , Page , Instrument 2003000870910 of official records in the Office of the Recorder of ORANGE County, California, executed by: LAWRENCE V. HOLGUIN AND KRISTINE M. HOLGUIN, HUSBAND AND WIFE AS JONT TENANTS as Trustor, INDYMAC BANK, F.S.B., A FEDERALLY CHARTERED SAVINGS BANK, 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 convenant or warranty, expressed or implied, regarding title, possesssion, or encumbrances, to pay the remaining principal sum of the notes (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: On the front steps to the Entrance of the Orange Civic Center, 300 E. Chapman Orange, CA. Legal Description: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST Amount of unpaid balance and other charges: $554,113.90 The street address and other common designation of the real property purported as: 16 JACKSON COURT , (TRABUCO CANYON AREA) COTO DE CAZA, CA 92679 APN Number: 778-181-21 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 the property itself.

Placing the highest bid at 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 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 (714) 573-1965 or visit this Internet Web site www. Priorityposting. com , using the file number assigned to this case 23194CA. 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.

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”. DATE: 10-12-2012 MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE 3 SAN JOAQUIN PLAZA, SUITE 215, NEWPORT BEACH, CA 92660 Sales Line: (714) 573-1965 OR (702) 586-4500 JESSE J. FERNANDEZ, PUBLICATION LEAD MERIDIAN FORECLOSURE SERVICE IS ASSISTING THE BENEFICIARY TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. P992197 10/12, 10/19, 10/26/2012 TSG No.: 4083508 TS No.: 20099070806798 FHA/VA/PMI No.: APN: 123-332-08 Property Address: 26952 CALLE VERANO DANA POINT, CA 92624 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 09/02/2005. 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. On 10/25/2012 at 01:30 P.M., First American Trustee Servicing Solutions, LLC, as duly appointed Trustee under and pursuant to Deed of Trust recorded 09/13/2005, as Instrument No. 2005000721791, in book , page , , of Official Records in the office of the County Recorder of ORANGE County, State of California. Executed by: ROBERT STRAND and VICTORIA STRAND, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 123-332-08 The street address and other common designation, if any, of the real property described above is purported to be: 26952 CALLE VERANO, DANA POINT, CA 92624 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $854,841.58. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located. 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 (916)939-0772 or visit this Internet Web http://search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case 20099070806798 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 sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse. First American Title Insurance Company First American Trustee Servicing Solutions, LLC 3 FIRST AMERICAN WAY SANTA ANA, CA 92707 Date: FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (916)939-0772 First American Trustee Servicing Solutions, LLC MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.NPP0208495 COTO DE CAZA NEWS 10/05/2012, 10/12/2012, 10/19/2012

Trustee Sale No. 22991CA Title Order No. 120179754 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 02-15-2006. 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 11-02-2012 at 9:00 AM, MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE as the duly appointed Trustee under and pursuant to Deed of Trust Recorded 02-23-2006, Book , Page , Instrument 2006000123311 of official records in the Office of the Recorder of ORANGE County, California, executed by: TRACI L KELLEY, AN UNMARRIED WOMAN as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR INDYMAC BANK, F.S.B., A FEDERALLY CHARTERED SAVINGS BANK, 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 convenant or warranty, expressed or implied, regarding title, possesssion, or encumbrances, to pay the remaining principal sum of the notes (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: On the front steps to the Entrance of the Orange Civic Center, 300 E. Chapman Orange, CA. Legal Description: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST Amount of unpaid balance and other charges:$1,050,198.65 The street address and other common designation of the real property purported as: 23171 VIA CELESTE , (TRABUCO CANYON AREA) COTO DE CAZA, CA 92679 APN Number: 804-241-10 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 the property itself. Placing the highest bid at 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 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 (714) 573-1965 or visit this Internet Web site www. Priorityposting.com , using the file number assigned to this case 22991CA. 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. 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”. DATE: 10-12-2012 MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE 3 SAN JOAQUIN PLAZA, SUITE 215, NEWPORT BEACH, CA 92660 Sales Line: (714) 573-1965 OR (702) 586-4500 JESSE J. FERNANDEZ, PUBLICATION LEAD MERIDIAN FORECLOSURE SERVICE IS ASSISTING THE BENEFICIARY TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. P992186 10/12, 10/19, 10/26/2012

Trustee Sale No.: 20110191200324 Title Order No.: 1067318 FHA/ VA/PMI No.: 048-4554129 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 02/13/2008.

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. NDEX WEST, LLC, as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 02/20/2008 as Instrument No. 2008000077217 of official records in the office of the County Recorder of ORANGE County, State of CALIFORNIA. EXECUTED BY: JANE M. SCALARO, SURVIVING TRUSTEE OF THE SCALARO FAMILY TRUST, DATED JULY 24, 1992, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 10/29/2012 TIME OF SALE: 9:00 AM PLACE OF SALE: ON THE FRONT STEPS TO THE ENTRANCE OF THE ORANGE CIVIC CENTER, 300 E. CHAPMAN ORANGE, CA.. STREET ADDRESS and other common designation, if any, of the real property described above is purported to be: 29 CALLE RANCHERA, RANCHO SANTA MARGARITA, CALIFORNIA 92688 APN#: 833-292-12 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $223,444.69. 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. 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site www.priorityposting.com for information regarding the sale of this property, using the file number assigned to this case 20110191200324.

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. FOR TRUSTEE SALE INFORMATION PLEASE CALL: PRIORITY POSTING & PUBLISHING, INC. 2 17501 IRVINE BLVD., SUITE ONE TUSTIN, CA 92780 714-573-1965 www.priorityposting.com NDEx West, L.L.C. MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NDEx West, L.L.C. as Trustee Dated: 10/01/2012 P989212 10/5, 10/12, 10/19/2012

October 12, 2012

Coto de Caza Legal Notices NOTICE OF TRUSTEE’S SALE TS No. CA-12-515842-AL Order No.: 1209091 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 6/23/2005. 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): MARK E. VILLAGOMEZ, TRUSTEE(S) OR THEIR SUCCESSOR(S) IN TRUST, UNDER THE 2004 MARK E. VILLAGOMEZ REVOCABLE TRUST, UNDER TRUST INSTRUMENT DATED DECEMBER 23, 2004, AND ANY AMENDMENTS THERETO Recorded: 6/29/2005 as Instrument No. 2005000503496 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 11/5/2012 at 9:00 AM Place of Sale: At the Doubletree by Hilton Hotel Anaheim – Orange County, 100 The City Drive, Orange, CA 92868 in the Grand Ballroom Amount of unpaid balance and other charges: $311,439.50 The purported property address is: 83 MATISSE CIRCLE, ALISO VIEJO, CA 92656-3864 Assessor’s Parcel No. 930-70-696 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 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan. com , using the file number assigned to this foreclosure by the Trustee: CA-12-515842-AL . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619645-7711 For NON SALE information only Sale Line: 800-280-2832 Or Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-12-515842-AL IDSPub #0037201 10/5/2012 10/12/2012 10/19/2012

NOTICE OF TRUSTEE’S SALE TS No. CA-12-516216-VF Order No.: 120213449-CA-MSI YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/1/2004. 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): PAM CLIFTON AND JOHN CLIFTON, WIFE AND HUSBAND AS JOINT TENANTS Recorded: 8/11/2004 as Instrument No. 2004000725389 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 10/29/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $544,438.71 The purported property address is: 23 VISTA DEL CANON, ALISO VIEJO, CA 92656 Assessor’s Parcel No. 93789-515 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-12-516216-VF . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 714-573-1965 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-12-516216-VF IDSPub #0037090 10/5/2012 10/12/2012 10/19/2012

NOTICE OF TRUSTEE’S SALE TS No. CA-12-514847-AL Order No.: 1201691 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 9/14/2009. 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 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): RICHARD YEE AND JICK H YEE Recorded: 9/16/2009 as Instrument No. 2009000494190 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 11/5/2012 at 9:00 AM Place of Sale: At the Doubletree

by Hilton Hotel Anaheim – Orange County, 100 The City Drive, Orange, CA 92868 in the Grand Ballroom Amount of unpaid balance and other charges: $399,041.07 The purported property address is: 23201 TULIP STREET, LAKE FOREST, CA 92630-4536 Assessor’s Parcel No. 617-082-09 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 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-12-514847-AL . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 800-280-2832 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-12-514847-AL IDSPub #0036880 10/5/2012 10/12/2012 10/19/2012

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Page 25

October 12, 2012

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6 Fall Leather Looks for the Not-so Rock Chic Fashionista

By Reena Das This fall, leather lovers may continue to flaunt their undying affection for the material. Streamlined and structured leather pieces have popped all over the runways making it a ubiquitous choice for cooler days ahead. Although a mainstay for luxe grunge look, leather can be incorporated by the everyday woman to create looks that are comfortable yet edgy. Whether you are a mom chauffeuring your kids around or a professional at work, these couture leather looks can be worked into your fall wardrobe with ease and comfort. #1 Leather skirt Leather is no longer limited to jackets and outerwear this season. A standout look can be created by wearing a tailored and slim black leather skirt. Steer clear from the rock chic avatar by pairing it with light casuals, like a graphic blouse or a knitted chunky sweater and wearing it with flats. Take the look from day to night by tucking in a white, long-sleeved silk blouse with peep-toe pumps. An emerald necklace adds a pop of color. #2 Leather dress Trendy leather days are great to combat cold winter days. However, not everyone can carry the look and feel at ease about it. Work the trend by choosing dresses with leather insets or trimming. Milly brings a retro-chic vibe edge to the collection by adding leather trim on this sheath dress. Conservative with its round neckline and fitted tailoring, the dress creates a stunning 9-to-5 wardrobe essential. Complete the look with tights and ankle boots.

Willing to take a plunge with the all-leather dress? Check out how Demi Lovato adds a nonchalant punch by styling her all-leather dress with a denim jacket. The jacket breaks the ensemble and adds a statement punch to your ensemble. #3: Leather peplum top Nothing screams “style” more than a peplum leather top. Hence, if you find yourself stuck in a fashion rut, a leather peplum top can break the monotony and amp up for your style statement. Skinny jeans or straight-leg pants balance the flouncy silhouette of the top and offer a much-needed relaxed touch to your attire. This fashionista creates a tasteful look by pairing her peplum top with zippered ankle length pants and uses a white blazer, a studded clutch and pointy heels to dress up her chic look. #4: Leather sweater Designers have used leather to create modern and sleek looks. Make bold and edgy impression to your fall outfit by choosing a leather sweater. While all-leather capes are available, sweaters with leather accents are friendlier. For instance, this sweater that comes with leather panels can be paired with a black pleated skirt, dark denim or colored leggings. #5: Leather jacket Leather jacket remains a coveted choice for many and continues to remain fall essential. This year is no exception. Trendconscious ladies can take it a step further and avoid the usual blacks and choose a fashion-forward navy blue instead. Blank’s faux-leather motorcycle jacket featuring an asymmetric front zip and cropped fit can be used to dress up your leggings and tees, as well as your slinky evening dresses. #6: Leather leggings If the above-mentioned choices leave you excited and wanting more, create an uber cool look with skintight leggings.

You may start with a basic black and then experiment with more exciting fall offerings like metallics and printed.

Page 26

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October 12, 2012

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The Coto de Caza News

Page 27

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

Coto de Caza Legal Notices NOTICE OF TRUSTEE’S SALE TS No. 08-0030737 Title Order No. 08-8-131076 APN No. 931-83-733 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 08/04/2006. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by MANUEL JOSE FIGUEROA , AND IRMA DE LA MORA, HUSBAND AND WIFE AS COMMUNITY PROPERTY, dated 08/04/2006 and recorded 8/25/2006, as Instrument No. 2006000571792, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/26/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 60 RABANO, RANCHO SANTA MARGARITA, CA, 92688. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.

The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $667,682.73. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided

NOTICE OF TRUSTEE’S SALE TS No. CA-12-511547-AL Order No.: 1183300 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 3/25/2004. 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): MICHAEL Y. KONDO AND RAUNDI K. MOORE, HUSBAND AND WIFE AS JOINT TENANTS Recorded: 3/31/2004 as Instrument No. 2004000266086 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 10/22/2012 at 9:00 AM Place of Sale: At the Doubletree by Hilton Hotel Anaheim – Orange County, 100 The City Drive, Orange, CA 92868 in the Grand Ballroom Amount of unpaid balance and other charges: $169,235.41 The purported property address is: 66 WILD HORSE LOOP, RANCHO SANTA MARGARITA, CA 92688-1809 Assessor’s Parcel No. 931-95-298 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 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan. com , using the file number assigned to this foreclosure by the Trustee: CA-12-511547-AL . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619645-7711 For NON SALE information only Sale Line: 800-280-2832 Or Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-12-511547-AL IDSPub #0038036 9/28/2012 10/5/2012 10/12/2012

in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 08-0030737. 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. RECONTRUST COMPANY, N.A. 1757 TAPO CANYON ROAD, SVW-88 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.28666 10/05, 10/12, 10/19/2012

NOTICE OF TRUSTEE’S SALE TS No. 12-0011166 Title Order No. 12-0017960 APN No. 627-592-05 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 03/12/2004. 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. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by JUAN MORALES-REYES AND MELBYS MORALES, HUSBAND AND WIFE, AS JOINT TENANTS, dated 03/12/2004 and recorded 3/17/2004, as Instrument No. 2004000214631, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/19/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 26552 MEADOW CREST DR, LAGUNA HILLS, CA, 92653. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $414,288.48. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 12-0011166. 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.

RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-0194 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.168456 9/28, 10/05, 10/12/2012

SHE SNORES MORE THAN I DO, BUT I STILL LOVE MY HUMAN. — BANDIT adopted 11-26-09

Page 28

The Coto de Caza News

The Coto de Caza News

Coto de Caza Legal Notices NOTICE OF TRUSTEE’S SALE TS No. CA-12-509966-CT Order No.: 1172534 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 1/11/2007. 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): KEVIN DORNBUSH AND KIMBER DORNBUSH HUSBAND AND WIFE AS COMMUNITY PROPERTY, WITH RIGHT OF SURVIVORSHIP Recorded: 1/16/2007 as Instrument No. 2007000029695 and modified as per Modification Agreement recorded 6/10/2011 as Instrument No. 2011000285690, in Book XXX, on Page XXX of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 11/2/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $713,857.87 The purported property address is: 29 CALLE ALAMITOS, RANCHO SANTA MARGARITA, CA 92688-4134 Assessor’s Parcel No. 836-651-53 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan. com , using the file number assigned to this foreclosure by the Trustee: CA-12-509966-CT . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619645-7711 For NON SALE information only Sale Line: 714-573-1965 Or Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-12-509966-CT IDSPub #0037636 10/12/2012 10/19/2012 10/26/2012

T.S. No.: 2012-02846 Loan No.: 0599420536 APN: 938-790-97 TRA No.: 23-065 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 9/26/2006. 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. A public auction sale to the highest bidder for cash payable at time of sale in lawful money of the United States by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a 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 will be held by the duly appointed trustee as shown 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.

Trustor: ROBERT WAYNE SCOTT, A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY Beneficiary Name: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS A NOMINEE FOR HOMECOMINGS FINANCIAL NETWORK, INC. Duly Appointed Trustee: Integrated Lender Services, a Delaware Corporation and pursuant to Deed of Trust recorded 10/27/2006 as Instrument No. 2006000727768 in book ---, page --- of Official Records in the office of the Recorder of Orange County, California, Date of Sale: 10/19/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $619,076.66 The property heretofore is being sold “as is.” The street Address or other common designation of real property is purported to be: 27471 VIA SEQUOIA, SAN JUAN CAPISTRANO, CA 92675 Legal Description: As more fully described on said Deed of Trust. A.P.N.: 938-790-97 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 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 months 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 (714) 573-1965 or visit this Internet Web site www.priorityposting.com, using the file number assigned to this case 2012-02846. 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. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: 9/18/2012 Integrated Lender Services, a Delaware Corporation, as Trustee 2411 West La Palma Avenue, Suite 350 – Bldg. 1 Anaheim, California 92801 (800) 232-8787 For Sale Information please call: (714) 573-1965 Linda Mayes, Senior Trustee Sale Officer P985947 9/28, 10/5, 10/12/2012

Trustee Sale No. 22654CA Title Order No. 95502113 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 12-23-2005. 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 11-01-2012 at 9:00 AM, MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE as the duly appointed Trustee under and pursuant to Deed of Trust Recorded 01-04-2006, Book, Page , Instrument 2006000003441 of official records in the Office of the Recorder of ORANGE County, California, executed by: S. DAVID SESSIONS AND ROBIN R. SESSIONS, HUSBAND AND WIFE AS JOINT TENANTS as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR QUICKEN LOANS INC., 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 convenant or warranty, expressed or implied, regarding title, possesssion, or encumbrances, to pay the remaining principal sum of the notes (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: On the front steps to the Entrance of the Orange Civic Center, 300 E. Chapman Orange, CA. Legal Description: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST Amount of unpaid balance and other charges: $1,088,566.68 The street address and other common designation of the real property purported as: 25901 CEDARBLUFF TERRACE , LAGUNA HILLS, CA 92653 APN Number: 627-661-08 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 the property itself. Placing the highest bid at 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 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 (714) 573-1965 or visit this Internet Web site www. Priorityposting. com , using the file number assigned to this case 22654CA. 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.

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”. DATE: 10-03-2012 MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE 3 SAN JOAQUIN PLAZA, SUITE 215, NEWPORT BEACH, CA 92660 Sales Line: (714) 573-1965 OR (702) 586-4500 STEPHANIE GARCIA, FORECLOSURE OFFICER MERIDIAN FORECLOSURE SERVICE IS ASSISTING THE BENEFICIARY TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. P990397 10/12, 10/19, 10/26/2012

FICTITIOUS BUSINESS NAME STATEMENT #20126315684 The following person(s) is (are) doing business as: RJ CONSTRUCTION OF OC, 1 HOPE DRIVE, TUSTIN, CA 92782. The Fictitious Business Name(s) referred to above was/were filed with the Orange County Recorder on SEPTEMBER 25, 2012. This business is conducted by an INDIVIDUAL: ROBERT ALAN JOHNSTON, 1 HOPE DRIVE, TUSTIN, CA 92782. The registrant(s) has/have commenced doing business on 9/22/2012. (signed) ROBERT JOHNSTON The Coto de Caza News – 9/28/2012, 10/5/2012, 10/12/2012,

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Coto de Caza Legal Notices T.S. No.: 11-44547 TSG Order No.: 110422769-CA-MSI A.P.N.: 935-437-08 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 11/21/2006. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 10/18/2012 at 9:00 AM Old Republic Default Management Services, a Division of Old Republic National Title Insurance Company as duly appointed Trustee pursuant to the Deed of Trust, Recorded 11/22/2006 as Instrument No. 2006000790110 in book --, page -- of Official Records in the office of the Recorder of Orange County, California, executed by: MARIA JOSEFINA ALCAZAR AND EDILBERT ALCAZAR, HUSBAND AND WIFE AS JOINT TENANTS, as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Beneficiary. WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable in full at time of sale by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a 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). At: on the front steps to the entrance of the Orange Civic Center, 300 E. Chapman Orange, CA. all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and state, and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 47 VIA PAMPLONA, RANCHO SANTA MARGARIT, California 92688 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made in an “AS IS” condition, 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit: $436,567.23 (Estimated). Accrued interest and additional advances, if any, will increase this figure prior to sale. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. 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 (714) 573-1965 or visit this Internet Web site www.priorityposting. com, using the file number assigned to this case 11-44547. 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. The Declaration pursuant to California Civil Code, Section 2923.5(a) was fulfilled when the Notice of Default was recorded on 6/21/2012 Date: 9/24/2012 Old Republic Default Management Services, A Division of Old Republic National Title Insurance Company, as Trustee 500 City Parkway West, Suite 200, Orange, CA 92868-2913 (866) 263-5802 For Sale Information Contact: Priority Posting and Publishing (714) 573-1965 Dalaysia Ramirez, Trustee Sale Officer “We are attempting to collect a debt, and any information we obtain will be used for that purpose.” P984044 9/28, 10/5, 10/12/2012

Trustee Sale No. 12-01399-3 Loan No. 0031432032 APN 833-122-05 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED October 26, 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 November 19, 2012, at 09:00 AM, Doubletree by Hilton Hotel Anaheim - Orange County, 100 The City Drive, Orange, CA 92868, Grand Ballroom, Power Default Services, Inc., as the duly appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded on October 31, 2006, as Instrument No. 2006000735846 of Official Records in the office of the Recorder of Orange County, CA , executed by: ROBERT J SCIULLA AND DOREEN SCIULLA, HUSBAND AND WIFE AS COMMUNITY PROPERTY, as Trustor, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICAN BROKERS CONDUIT as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 42 CALENDULA, RANCHO SANTA MARGARITA, CA 92688 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining unpaid balance of the obligations secured by and pursuant to the power of sale contained in that certain Deed of Trust (together with any modifications thereto). 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

T.S. No. 20120060 LOAN NO.: 1359965/CALLANAN NOTICE OF TRUSTEE’S SALE UNDER DEED OF TRUST YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED December 9, 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. Notice is hereby given that UNIONBANCAL MORTGAGE CORPORATION, as trustee, or successor trustee, or substituted trustee pursuant to the Deed of Trust executed by PAUL N. CALLANAN AND PAMELA G. CALLANAN, HUSBAND AND WIFE recorded 12/20/2004 in Book N/A Page N/A Inst. # 2004001124371 , of Official Records in the office of the County Recorder of Orange County, California, and pursuant to the Notice of Default and Election to Sell thereunder recorded 2/27/2012 in Book N/A Page N/A Inst. # 2012-000106069 of said Officials Records, will SELL on 10/19/2012 at 9:00 AM : On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA. at public auction to the highest bidder for cash (payable at time of sale in lawful money of the United States) (NOTE: CASHIER’S CHECK(S) MUST BE MADE PAYABLE TO UNIONBANCAL MORTGAGE CORPORATION) all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: As more fully described in said Deed of Trust The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 21832 BASS LAKE CIRCLE, LAKE FOREST, CALIFORNIA 92630 APN# 614-492-18 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. 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 the initial publication of the Notice of Sale is $515,981.28. The Beneficiary may elect to bid less than the full credit bid. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a 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. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed until funds become available to the payee or endorsee as a matter of right. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed, advances thereunder, with interest as provided therein, and the unpaid principal of the note secured by said deed with interest thereon as provided in said Note, fees, charges and expenses of the trustee and of the trusts created by said Deed of Trust. 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.priorityposting.com regarding the sale of this property, using the file number assigned to this case T.S. No. 20120060. 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.

The mortgage loan servicer, beneficiary, or authorized agent has not obtained from the commissioner a final or temporary order of exemption pursuant to Section 2923.53. The timeframe for giving notice of sale specified in subdivision (a) of Section 2923.52 has been met.

UnionBanCal Mortgage 8248 Mercury Court. M-520, PO BOX 85416 San Diego, California 92186-5416 858-496-5484 UNIONBANCAL MORTGAGE CORPORATION By: TONI SCANDLYN, ASST. VICE PRESIDENT P984648 9/28, 10/5, 10/12/2012

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 1-800-280-2832 or visit this Internet Web site www.auction.com, using the file number assigned to this case 12-01399-3. 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.

The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee`s Sale is estimated to be $693,492.83 (Estimated), provided, however, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary`s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier`s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee`s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. DATE: October 12, 2012 POWER DEFAULT SERVICES, INC., Trustee By: Fidelity National Title Company, its agent 135 Main Street, Suite 1900, San Francisco , CA 94105, 415-247-2450 By: Stephanie Alonzo, Authorized Signature SALE INFORMATION CAN BE OBTAINED ON LINE AT www.auction.com AUTOMATED SALES INFORMATION PLEASE CALL 1-800-280-2832 P991680 10/12, 10/19, 10/26/2012

Trustee Sale No.: 20120169803285 Title Order No.: 120198315 FHA/VA/ PMI No.: NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 1/22/2010. 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. NDEX WEST, LLC, as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 02/03/2010 as Instrument No. 2010000055564 of official records in the office of the County Recorder of Orange County, State of CALIFORNIA. EXECUTED BY: ERIK TERRY AND ANNIE TERRY, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 10/22/2012 TIME OF SALE: 09:00 AM PLACE OF SALE: Doubletree by Hilton Hotel Anaheim-Orange County, 100 The City Drive Orange, CA. 92868 STREET ADDRESS and other common designation, if any, of the real property described above is purported to be: 21181 BRIARWOOD LANE , Trabuco Canyon Area, CA 92679 APN#: 833-342-56 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any , shown herein. Said 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. 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 the initial publication of the Notice of Sale is $419,619.35. 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. 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 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site www.auction.com for information regarding the sale of this property, using the file number assigned to this case 20120169803285.

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. FOR TRUSTEE SALE INFORMATION PLEASE CALL: AUCTION.COM, LLC ONE MAUCHLY IRVINE, CA 92618 800-280-2832 www.auction. com NDEx West, L.L.C. MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NDEx West, L.L.C. as Trustee Dated: 9/20/2012 P986576 9/28, 10/5, 10/12/2012 NOTICE OF TRUSTEE’S SALE T.S. No.: 2012-CA006386 Loan No. 0016540189 Order No. 1153943 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 9/1/2004. 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: PAUL T. DIXON, A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY, and OCTFCU MORTGAGE CO., LLC, as Beneficiary Duly Appointed Trustee: R.E.F.S. Inc., A California Corporation Recorded: 9/9/2004, as Instrument No. 2004000816848, in Book N/A, Page N/A, of Official Records in the office of the Recorder of Orange County, California.

Date of Sale: 11/2/2012 at 3:00 PM Place of Sale: At the North front entrance to the County Courthouse, 700 Civic Center Drive West., Santa Ana, CA Amount of unpaid balance and other charges: $268,966.26 Street Address or other common designation of real property: 25652 RIMGATE DRIVE #2A, Lake Forest, CA 92630 A.P.N.: 939-36-009 Legal Description: as more fully described on said deed of trust. 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-CA006386. 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: 10/2/2012 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 # 1064.00055 PUB DATES: 10/12/2012, 10/19/2012, 10/26/2012

October 12, 2012

NOTICE OF TRUSTEE’S SALE T.S. No.: 2012-CA006389 Loan No. 0016511479 Order No. 1153946 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 12/12/2003. 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: PAUL PRITCHARD AND LORI PRITCHARD HUSBAND AND WIFE AS JOINT TENANTS, and ORANGE COUNTY TEACHERS FEDERAL CREDIT UNION, A FEDERAL CREDIT UNION, as Beneficiary Duly Appointed Trustee: R.E.F.S. Inc., A California Corporation Recorded: 12/22/2003, as Instrument No. 2003001507366, in Book N/A, Page N/A, of Official Records in the office of the Recorder of Orange County, California. Date of Sale: 11/2/2012 at 3:00 PM Place of Sale: At the North front entrance to the County Courthouse, 700 Civic Center Drive West., Santa Ana, CA Amount of unpaid balance and other charges: $284,859.69 Street Address or other common designation of real property: 24652 EVEREVE CIRCLE, Lake Forest, CA 92630 A.P.N.: 614-102-34 Legal Description: as more fully described on said deed of trust. 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-CA006389. 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: 10/2/2012 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 # 1064.00053 PUB DATES: 10/12/2012, 10/19/2012, 10/26/2012 ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00600181 PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of REBECCA ZAHABIAN. Petitioner(s) REBECCA ZAHABIAN has/have filed a petition with this court for a decree changing name(s) as follows: REBECCA ZAHABIAN to REBECCA SALEHANI. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 30, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: SEPTEMBER 24, 2012 Mary Fingal Schulte – Judge of the Superior Court Coto de Caza News– 9/28/2012, 10/5/2012, 10/12/2012, 10/19/2012 ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2012-00598410-PR-OP-LJC Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of YESHUA NICK, a minor. Petitioner(s) SEAN NICK LEVI, on behalf of YESHUA NICK, a minor, has/have filed a petition with this court for a decree changing name(s) as follows: YESHUA NICK, a minor, to YESHUA NICK LEVI, a minor . The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 341 The City Drive, P.O. Box 14171, Orange, CA 92863, on NOVEMBER 9, 2012 at 1:30 o’clock pm Dept. L73. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: SEPTEMBER 18, 2012 Mary Fingal Schulte – Judge of the Superior Court Coto de Caza News– 9/28/2012, 10/5/2012, 10/12/2012, 10/19/2012

The Coto de Caza News

Page 29

October 12, 2012

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

Coto de Caza Legal Notices APN: 931-88-612 TS No: CA05000831-12-1 TO No: 5907335 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 4/14/2003. 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 10/23/2012 at 09:00 AM, On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA 92866, MTC FINANCIAL INC. dba TRUSTEE CORPS, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded on 04/22/2003 as Instrument No. 2003000450174 of official records in the Office of the Recorder of Orange County, California, executed by CAMERON H. HURD, A WIDOWER, as Trustor(s), in favor of PHH MORTGAGE SERVICES as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: As more fully described in said Deed of Trust The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 1 VIA GARCETA , RANCHO SANTA MARGARIT, CA 92688 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee`s Sale is estimated to be $213,678.17 (Estimated), provided, however, prepayment premiums, accrued interest and advances will increase this figure prior to sale.

Beneficiary`s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier`s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee`s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. 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 the successful bidder shall have no further recourse. DATE: 9/18/2012 TRUSTEE CORPS TS No. CA05000831-12-1 17100 Gillette Ave, Irvine, CA 92614 949-2528300 Tina Godoy, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www.priorityposting.com AUTOMATED SALES INFORMATION PLEASE CALL 714-573-1965 TRUSTEE CORPS MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. 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 telephone number for information regarding the Trustee’s Sale or visit the Internet Web site address on the previous page for information regarding the sale of this property, using the file number assigned to this case, CA05000831-121. 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. P985962 9/28, 10/5, 10/12/2012

NOTICE OF TRUSTEE’S SALE TS No. CA-11-462181-CT Order No.: 919987 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 2/12/2007. 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 Section 5102 to the Financial code and authorized to do business in this state, will be held by duly appointed trustee. 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(s): RAYMOND M. KAWECKI, AN UNMARRIED MAN Recorded: 2/16/2007 as Instrument No. 2007000106684 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 10/19/2012 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $392,240.42 The purported property address is: 23412 PACIFIC PARK DR #21L, ALISO VIEJO , CA 92656-0000 Assessor’s Parcel No. 931-51-536 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan. com , using the file number assigned to this foreclosure by the Trustee: CA-11-462181-CT . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. 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. 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 the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619645-7711 For NON SALE information only Sale Line: 714-573-1965 Or Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. TS No.: CA-11-462181-CT IDSPub #0036328 9/28/2012 10/5/2012 10/12/2012

Order No: 126000031 TS No: H11-09045 NOTICE OF TRUSTEE’S SALE UNDER A NOTICE OF DELINQUENT ASSESSMENT AND CLAIM OF LIEN YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT AND CLAIM OF LIEN, DATED 8/5/2011.

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. NOTICE is hereby given that Witkin & Neal, Inc., as duly appointed trustee pursuant to that certain Notice of Delinquent Assessment and Claim of Lien (hereinafter referred to as “Lien”), recorded on August 8, 2011 as instrument number 2011000387692 in the office of the County Recorder of Orange County, California, and further pursuant to the Notice of Default and Election to Sell thereunder recorded on 1/19/2012 as instrument number 2012-27318 in said county and further pursuant to California Civil Code Section 1367.1 and those certain Covenants, Conditions and Restrictions recorded on 5/17/1982 as instrument number 82168584, WILL SELL on 10/25/2012, 09:00 AM On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA. at public auction to the highest bidder for lawful money of the United States payable at the time of sale, all right, title and interest in the property situated in said county as more fully described in the above-referenced Lien. The purported owner(s) of said property is (are): Shaun Remus, a single man. The property address and other common designation, if any, of the real property is purported to be: 72 birchwood Lane, Laguna Hills, CA 92656-2923 aka 72 Birchwood Lane, Aliso Viejo, CA 92656-2923 Laguna Hills, CA 92656 2923, APN 634-082-58. The undersigned trustee disclaims any liability for any incorrectness of the property address and other common designation, if any, shown herein. 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 the initial publication of this Notice of Sale is: $10,297.05. The opening bid at the foreclosure sale may be more or less than this estimate. In addition to cash, the trustee will accept a cashier’s check drawn on a state or national bank, a check drawn on a state or federal credit union or a check drawn on state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in this state. In the event tender other than cash is accepted, the trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or the endorsee as a matter of right. Said sale shall be made, but without covenant or warranty, express or implied regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Lien, advances thereunder, with interest as provided in the Declaration plus the fees, charges and expenses of the trustee. THIS PROPERTY IS BEING SOLD IN AN “AS-IS” CONDITION. Witkin & Neal, Inc. is attempting to collect a debt. Any information obtained will

be used for that purpose. If you have previously received a discharge in bankruptcy, you may have been released from personal liability for this debt in which case this notice is intended to exercise the secured party’s rights against the real property only. 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 714-573-1965 or visit this Internet Web site: www.priorityposting. com using the file number assigned to this case H11-09045 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. IMPORTANT NOTICE: Notwithstanding anything to the contrary contained herein, the sale shall be subject to the following as provided in California Civil Code Section 1367.4(c)4: “A non judicial foreclosure sale by an association to collect upon a debt for delinquent assessments shall be subject to a right of redemption. The redemption period within which the separate interest may be redeemed from a foreclosure sale under this paragraph ends 90 days after the sale.” Dated 9/20/2012 Witkin & Neal, Inc. as said Trustee 5805 SEPULVEDA BLVD., SUITE 670 SHERMAN OAKS, CA 91411 (818) 845-8808 By: Susan Paquette Trustee Sales Officer THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. P987022 10/5, 10/12, 10/19/2012

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The Coto de Caza News

NOTICE OF TRUSTEE’S SALE TS No. 10-0133964 Title Order No. 10-8-478483 APN No. 617-212-04 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 11/21/2006. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by SABAS ISQUIERDO, A MARRIED MAN AS HIS SOLE & SEPARATE PROPERTY, dated 11/21/2006 and recorded 11/30/2006, as Instrument No. 2006000804026, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/26/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 24072 SILVERBAY DRIVE, LAKE FOREST, CA, 926305148. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $665,776.56.

It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust.

If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 10-0133964. 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.

RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-0194 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.127592 10/05, 10/12, 10/19/2012

NOTICE OF TRUSTEE’S SALE File No. 7042.26952 Title Order No. 6719537 MIN No. 1000157-0004776279-0 APN 937-98-283 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 02/23/05. 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, will be held by duly appointed trustee.

The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to satisfy the obligation secured by said Deed of Trust. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. Trustor(s): THOMAS J FERRARO JR., A SINGLE MAN 2/3 INTEREST, AND JASON MUTZ, A SINGLE MAN 1/3 INTEREST AS TENANTS IN COMMON Recorded: 02/28/05, as Instrument No. 2005000149886,of Official Records of ORANGE County, California. Date of Sale: 10/29/12 at 9:00 AM Place of Sale: Grand Ballroom of Doubletree by Hilton Hotel Anaheim - Orange County, 100 The City Drive,, Orange, CA The purported property address is: 24312 VAL VERDE, LAGUNA HILLS, CA 92653-6297 Assessors Parcel No. 937-98-283 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 the initial publication of the Notice of Sale is $319,031.67.

If the sale is set aside for any reason, the purchaser at the sale shall be entitled only to a return of the deposit paid, plus interest. The purchaser shall have no further recourse against the beneficiary, the Trustor or the trustee. 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 or www.Auction.com using the file number assigned to this case 7042.26952. 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: September 26, 2012 NORTHWEST TRUSTEE SERVICES, INC., as Trustee Gisela Clark, Authorized Signatory 1241 E. Dyer Road, Suite 250, Santa Ana, CA 92705 Sale Info website: www.

USA-Foreclosure.com or www.Auction.com Automated Sales Line: 877-484-9942 Reinstatement and Pay-Off Requests: 866-387-NWTS THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ORDER # 7042.26952: 10/05/2012,10/12/2012,10/19/2012

The Coto de Caza News

NOTICE OF TRUSTEE’S SALE TS No. 10-0113543 Title Order No. 10-8-420577 APN No. 935-45-353 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 04/04/2008. 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. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by STEVEN JOHNSON, A SINGLE MAN, dated 04/04/2008 and recorded 4/9/2008, as Instrument No. 2008000164011, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/26/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 24 VIA CONTENTO #41, RANCHO SANTA MARGARITA, CA, 92688. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.

The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $391,886.20. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 10-0113543. 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. RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-01-94 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.120150 10/05, 10/12, 10/19/2012 NOTICE OF TRUSTEE’S SALE TS No. 12-0010826 Title Order No. 12-0018159 APN No. 614-044-04 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 10/01/2004. 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. Notice is hereby given that RECONTRUST COMPANY, N.A., as duly appointed trustee pursuant to the Deed of Trust executed by JORGE ALMERCO A SINGLE MAN, dated 10/01/2004 and recorded 10/12/2004, as Instrument No. 2004000907836, in Book , Page , of Official Records in the office of the County Recorder of Orange County, State of California, will sell on 10/26/2012 at 3:00PM, AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE, 700 CIVIC CENTER DRIVE WEST, SANTA ANA, ORANGE COUNTY,CA at public auction, to the highest bidder for cash or check as described below, payable in full at time of sale, all right, title, and interest conveyed to and now held by it under said Deed of Trust, in the property situated in said County and State and as more fully described in the above referenced Deed of Trust. The street address and other common designation, if any, of the real property described above is purported to be: 22932 RUMBLE DRIVE, LAKE FOREST, CA, 92630. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.

The total amount of the unpaid balance with interest thereon of the obligation secured by the property to be sold plus reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $673,931.78. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. In addition to cash, the Trustee will accept cashier’s checks drawn on a state or national bank, a check drawn by a state or federal credit union, or a 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.Said sale will be made, in an ‘’AS IS’’ condition, but without covenant or warranty, express or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed of Trust, advances thereunder, with interest as provided, and the unpaid principal of the Note secured by said Deed of Trust with interest thereon as provided in said Note, plus fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. If required by the provisions of section 2923.5 of the California Civil Code, the declaration from the mortgagee, beneficiary or authorized agent is attached to the Notice of Trustee’s Sale duly recorded with the appropriate County Recorder’s Office. 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 a 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 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 1-800-281-8219 or visit this Internet Web site www.recontrustco.com, using the file number assigned to this case 12-0010826. 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. RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-01-94 SIMI VALLEY, CA 93063 Phone/Sale Information: (800) 281-8219 By: Trustee’s Sale Officer RECONTRUST COMPANY, N.A. is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. FEI # 1006.169118 10/05, 10/12, 10/19/2012

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legal Notices

legal Notices Trustee Sale No. 21814CA Title Order No. 120013681-CA-MAI NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 08/03/2006. 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 10/19/2012 at 09:00 AM, MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE as the duly appointed Trustee under and pursuant to Deed of Trust Recorded 08/22/2006, Book , Page , Instrument 2006000561134 of official records in the Office of the Recorder of ORANGE County, California, executed by: JUAN SERRANO, A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MORTGAGEIT, INC., 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 convenant or warranty, expressed or implied, regarding title, possesssion, or encumbrances, to pay the remaining principal sum of the notes (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: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA Legal Description: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST Amount of unpaid balance and other charges: $333,163.55 The street address and other common designation of the real property purported as: 26437 CALLE SAN ANTONIO #31D, SAN JUAN CAPISTRANO, CA 92675 APN Number: 931-92-031 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 the property itself. Placing the highest bid at 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 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 (714) 573-1965 or visit this Internet Web site www. Priorityposting.com , using the file number assigned to this case 21814CA. 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. 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”. DATE: 9/26/2012 MERIDIAN FORECLOSURE SERVICE f/k/a MTDS, INC., A CALIFORNIA CORPORATION DBA MERIDIAN TRUST DEED SERVICE 3 SAN JOAQUIN PLAZA, SUITE 215, NEWPORT BEACH, CA 92660 Sales Line: (714) 573-1965 OR (702) 586-4500 JESSE J. FERNANDEZ, PUBLICATION LEAD MERIDIAN FORECLOSURE SERVICE IS ASSISTING THE BENEFICIARY TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. P987753 9/28, 10/5, 10/12/2012

NOTICE OF TRUSTEE’S SALE File No. 7301.28554 Title Order No. 6534240 MIN No. APN 856-112-01 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 02/23/08. 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, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to satisfy the obligation secured by said Deed of Trust. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. Trustor(s): SCOTT A. MCENALLY AND JULIE E. MCENALLY, HUSBAND AND WIFE AS Recorded: 03/05/08, as Instrument No. 2008000103129,of Official Records of ORANGE County, California. Date of Sale: 10/18/12 at 3:00 PM Place of Sale: At the North front entrance to the County Courthouse, 700 Civic Center Drive West., Santa Ana, CA The purported property address is: 1 YELLOWPINE LN, TRABUCO CYN, CA 92679 Assessors Parcel No. 856-112-01 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 the initial publication of the Notice of Sale is $48,678.64. If the sale is set aside for any reason, the purchaser at the sale shall be entitled only to a return of the deposit paid, plus interest. The purchaser shall have no further recourse against the beneficiary, the Trustor or the trustee. 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 or www.Auction.com using the file number assigned to this case 7301.28554. 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: September 18, 2012 NORTHWEST TRUSTEE SERVICES, INC., as Trustee David Ochoa, Authorized Signatory 1241 E. Dyer Road, Suite 250, Santa Ana, CA 92705 Sale Info website: www.

USA-Foreclosure.com or www.Auction.com Automated Sales Line: 877-484-9942 Reinstatement and Pay-Off Requests: 866-387-NWTS THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ORDER # 7301.28554: 09/28/2012,10/05/2012,10/12/2012

October 12, 2012

legal Notices T.S. No.: 2012-21097 Loan No.: 80232952 NOTICE OF TRUSTEE’S SALE T.S. No.: 2012-21097 Loan No.: 80232952 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 5/5/2006.

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 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 a 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 Section 5102 of the Financial Code and authorized to do business in this state 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.

Trustor: PATRICK CAHILL, A SINGLE MAN AND MARGARET CAHILL, AN UNMARRIED WOMAN AS JOINT TENANTS Duly Appointed Trustee: Western Progressive, LLC Recorded 5/10/2006 as Instrument No. 2006000315414 in book ---, page --- and rerecorded on --- as --- of Official Records in the office of the Recorder of Orange County, California, Date of Sale: 10/22/2012 at 1:30 PM Place of Sale: At the North entrance to the County Courthouse 700 Civic Center Drive West, Santa Ana, CA 92701 Amount of unpaid balance and other charges: $686,187.70 Street Address or other common designation of real property: 2516 ANDOVER PLACE, COSTA MESA, CALIFORNIA 92626 - A.P.N.: 141-412-33 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.

Pursuant to California Civil Code §2923.54 the undersigned, on behalf of the beneficiary, loan servicer or authorized agent, declares

as follows: The beneficiary or servicing agent declares that it has obtained from the Commissioner of Corporation a final or temporary order of exemption pursuant to California Civil Code Section 2923.53 that is current and valid on the date the Notice of Sale is filed and/or the timeframe for giving Notice of Sale Specified in subdivision (s) of California Civil Code Section 2923.52 applies and has been provided or the loan is exempt from the requirements.

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 my hold more than one mortgage or deed of trust on this 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 (866)-960-8299 or visit this Internet Web site http://www.altisource. com/MortgageServices/DefaultManagement/TrusteeServices.aspx, using the file number assigned to this case 2012-21097. 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: 9/17/2012 Western Progressive, LLC, as Trustee c/o 18377 Beach Blvd., Suite 210 Huntington Beach, California 92648 Automated Sale Information Line: (866) 960-8299 http://www. altisource.com/MortgageServices/DefaultManagement/TrusteeServices.aspx For Non-Automated Sale Information, call: (866) 240-3530 Laterrika Thompkins , Trustee Sale Assistant - Coto De Caza News-9/28/2012, 10/5/2012 & 10/12/202.

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October 12, 2012

Page 32

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

The Coto de Caza News