Real Estate 10/29/17

Marketplace Sunday, October 29, 2017

Real Estate Careers Garage Sales

TO PLACE AN AD, CALL 444-7355

OPEN HOUSE: 250 MAYFIELD LANE SUNDAY, OCTOBER 29 • 1 – 4 P.M. Directions: Lake Avenue west to Old Broadmoor Road; south to Sequoyah; turn left and then another left onto Sierra Vista; right onto Mayfield Lane; home is at the end of the cul-de-sac.

SPOTLIGHT: BIANCA TAYLOR, BROKER ASSOCIATE

Graceful ranch-style home on private cul-de-sac in the Broadmoor SPONSORED FEATURE

Step into this graceful ranch-style home on a private cul-de-sac in the Broadmoor. Tucked away, this private enclave at 250 Mayfield Lane, Colorado Springs is a hidden treasure located within walking distance of the elementary school, and biking distance to The Broadmoor, restaurants, shopping and the Country Club of Colorado. The home is situated in an exclusive neighborhood dazzled

by Cheyenne Mountain views that is intimately occupied by only eight homes in total. A rare find in the “flats” of the Broadmoor, this home offers a great opportunity for families, empty nesters and all those in between.

Upon arriving to this exquisite residence, you enter through a gate and into a courtyard off the circular driveway completed by a spacious three-car garage. You are swept away by the gorgeous new exterior paint and stucco, and the flawless new Decra roof. This 7,066 square foot home presents main level living at its best with a handsome office; an enormous master suite with jetted tub; family and living rooms with cozy fireplaces; beautiful dining area, kitchen nook and breakfast bar; large updated kitchen with sleek stainless steel appliances, double oven and large pantry; two additional bedrooms and baths; and a laundry/mudroom off the garage — all on one level.

From the main level you can effortlessly walk out to an expansive

covered deck with hot tub off the living and dining rooms. From the deck you access the .5 acre flat yard. This provides a great flow for entertaining from home to deck and yard. The interior also features beautiful hardwood floors, brand new paint, and an air conditioning and radon system.

The walkout lower level brings you into the second family room with fireplace, wet bar, and game area with two bedrooms and a bath. Onto a separate wing you find another laundry area, a second full kitchen with pantry, and a second stunning master suite and bedroom with another living room and fireplace. From here, there is a convenient walkout to the yard. This home’s floorplan intelligently integrates the separate wing and living space into the flow of the home, and can serve as a multigenerational home or separate area for family members/guests. The lower level also features a sumptuous brand new carpet.

The possibilities are near-endless at this spacious, luxurious and commodious home in one of the most prestigious areas of town. This Colorado retreat is close to awardwinning schools in District 12 and two private schools, and all amenities associated with living close to the Broadmoor and Cheyenne Canyon.

Don’t miss the open house today, Sunday October 29 from 1–4 p.m. This seven bed, six bath, three-car garage home is listed at $875,000. ■

BIANCA TAYLOR, BROKER ASSOCIATE MOBILE: 719-229-6488 | OFFICE: 719-576-3600 | BTAYLOR@ERASHIELDS.COM | BIANCAGTAYLOR.COM

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X 2 ❘ THE GAZETTE ❘ SUNDAY, OCTOBER 29, 2017

When you should and shouldn’t use the home seller’s preferred lender

BY POLYANA DA COSTA, TRIBUNE NEWS SERVICE

Next time you buy a house, the seller may urge you to use a particular lender.

But if you use the seller’s favorite lender, who really benefits? Are you going to get the best deal?

In some cases, you may save time and money by using the seller’s recommended lender, but you should shop around and recognize that there’s a potential conflict of interest, financial advisers said.

“You don’t have that second set of eyes looking out for you when you are working with a preferred lender,” said Ed Conarchy, a mortgage planner and investment adviser for Cherry Creek Mortgage in Gurnee, Ill. “The lender is just coming along for the ride.”

WHAT’S THE RELATIONSHIP? Before weighing the pros and cons of using a preferred lender, you should first learn whether the lender and the seller have a financial tie. Sometimes the seller — a real estate agent or builder — simply refers the buyer to a lender they like to work with, but the two companies are not financially related.

In other cases, buyers are sent to an affiliated lending company.

“That’s even more of a conflict of interest because the company giving you the finance is the same that is selling you the house,” Conarchy added.

is required to disclose to the buyer its business affiliation with the lender.

Still, buyers may be tempted to pick the seller’s lender because the deal may seem too good to pass up.

Builders cannot require that buyers use their preferred lenders and cannot charge them a higher price for using a different lender. But they can offer incentives, such as credits for closing costs, to buyers who use their affiliate lender.

“It’s harder when there’s a financial relationship between the two, but if it seems like a good deal, I would say use them and get legal representation to review everything,” said Patty Da Silva, owner of Green Realty Properties in

WHEN THE SELLER IS THE LENDER In the case of an affiliate, the seller

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Michelle Gutschick has joined the Dianna Doyle Team at RE/ MAX Properties, Inc. Michelle has lived in Colorado Springs since she was 13 years old and even after leaving for college, she knew Colorado Springs was her forever home. She is excited to work with a team that she admires.

Creativity, tenacity and compassion are traits that she brings to the table and she will work with her real estate clients to find the right way to get the job done and done well.

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NO INCENTIVE, BUT A RECOMMENDATION Federal law prohibits lenders from paying sellers for business referrals.

Builders and real estate agents often refer clients to their trusted lenders based on their relationship. The closer communication between lender and seller and the fact that the lender is more familiar with the deal contributes to a smoother closing.

a lender who is not familiar with the development in which you are buying, there could be delays and confusions regarding closings costs, said Deb Holloway, a senior loan originator with Christensen Financial Inc. “If you have a lender that is unfamiliar with this particular builder and doesn’t do his due diligence, it could result in thousands due at closing if the buyer is not aware of it,” she said.

Conarchy said that’s a valid point and one the buyer should consider. But as someone who worked as a preferred lender for more than a decade, he still questions the potential conflict of interest.

“The challenge is that in order for the CONTINUED ON PAGE 3

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Legal description corrected by a Scrivener’s Error Affidavit recorded on August 25, 2017 at Reception No. 217102463 Also known by street and number as: 4614 La Cresta Drive, Colorado Springs, CO 80918.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/27/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/29/2017 Last Publication 11/26/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/28/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210, Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00260-1 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700703 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 28, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) Andrew W Beavor Original Beneficiary(ies) Mortgage Electronic Registration Systems Inc., as nominee for Mortgage Solutions of Colorado, LLC Current Holder of Evidence of Debt BANK OF AMERICA, N.A. Date of Deed of Trust January 26, 2009 County of Recording El Paso Recording Date of Deed of Trust February 05, 2009 Recording Information (Reception No. and/ or Book/Page No.) 209011557 Original Principal Amount $189,404.00 Outstanding Principal Balance $175,086.95 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4 IN BLOCK B, A REFILING OF A PORTION OF BLOCK 3 AND ALL OF BLOCK 4 VISTA GRANDE SUBDIVISION FILING NO. 2 IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK I-2 PAGE 36.

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SUNDAY, OCTOBER 29, 2017 ❘ THE GAZETTE ❘ X 3

PREFERRED LENDERS CONTINUED FROM PAGE 2

lender to look good and still be given business and remain the preferred lender, they will do what it takes to look good in the Realtor’s or the builder’s eyes,” Conarchy said. “I think you have to choose a lender who is going to give you objective, independent advice.”

BOTTOM LINE: SHOP AROUND Buyers should shop around and compare the quotes they get from the seller’s preferred lender, Holloway said.

“A good lender should not be afraid of competition,” she added.

Buyers could also ask the lender for references, said Da Silva, who has a preferred lender that helps with her deals. She recommends this particular lender based on the fact that the lender has done a good job in the past, but buyers are encouraged to shop around, she said.

“Everybody can give you two names, so ask for a large number of references,”

she said.

WHEN YOU SHOULD USE A PREFERRED LENDER There are instances when the seller’s preferred lender is the only choice a buyer has. That’s when you are buying in a new development that doesn’t meet the requirements of most lenders.

Lenders often require that a new condo development be partially sold before they lend in a particular development,

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4 bdrms/3baths/3 car garage/ 3441 total sq ft. Spacious chef’s kitchen, granite countertops at kitchen, stainless appliances, staggered designer cabinets, large kitchen island w/pendant lights, pantry. Great room features 12’ ceiling and fireplace w/tile surround. Hardwood floors at entry, kitchen, dining, and great room. Master Suite has a sitting area, coffered ceiling, walk-in closet, and adjacent 5 pc bath.

Finished basement with 9’ ceiling, two additional bedrooms, bath, & rec room provides additional space to entertain. Additional features include: AC prep, wrought iron railing at stairs, dual vanities at master, front yard landscaping and more. This home is designed for performance and energy efficiency. Please ask us more about the HERS testing and water saving features this home includes. Home is part of Wolf Ranch community with many amenities, near park, trails, easy access to Powers corridors shopping, entertainment, hospitals, D20 schools. READY NOW. Schedule showing.

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Hours: 10/29/17 1-4 Neighborhood: RCK Driving Directions: From S. Academy Blvd. and Highway 115 go 9 miles South on Highway 115. Turn Right on Little Turkey Creek Rd. Agent/Company: Don Larrabee, 719-205-5640 Equity Colorado, Inc.

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By Appointment Only Agent/Company: Kevin Patterson, 719.575.1200 The Patterson Group

Wonderful Golf Course Townhome This 3 bedroom, 3 bath home includes a 2-car plus golf cart garage and great views. The main level features the living room with vaulted and beamed ceilings, kitchen with island, pantry and breakfast nook plus the separate dining room and walkout to the covered patio. Also on the main level you will find the master suite offering a large sitting area, 5-piece bath and walk-in closet. The lower level includes a large family room with wet bar, two additional bedrooms, full bath with double vanities and laundry. The outdoor spaces offer terrific golf course and mountain views, fenced backyard and a covered patio. NEW PRICE $539,500 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700671 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 11, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) DANIEL A SUNDBY and MARY JOY SUNDBY Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. as nominee for AMERICA’S WHOLESALE LENDER, its successors and assigns Current Holder of Evidence of Debt THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATESHOLDERS OF THE CWABS INC., ASSET- BACKED CERTIFICATES TRUST 200513 Date of Deed of Trust September 23, 2005 County of Recording El Paso Recording Date of Deed of Trust October 11, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205160479 Original Principal Amount $384,000.00 Outstanding Principal Balance $318,709.57 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 11, BLOCK 18, DONALA SUBDIVISION NO. 2 AND AS AMENDED BY SURVEYOR’S STATEMENT RECORDED JANUARY 23, 1973 IN BOOK 2555 AT PAGE 869, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 125 MISSION HILL WAY, COLORADO SPRINGS, CO 80921-3233.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/15/2017 Last Publication 11/12/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/11/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015695 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700667 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 9, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) DAVID W. DONNER AND LENORE DONNER Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR LENDER, UNITED CAPITAL MORTGAGE CORPORATION Current Holder of Evidence of Debt CITIMORTGAGE, INC. Date of Deed of Trust April 19, 2002 County of Recording El Paso Recording Date of Deed of Trust April 24, 2002 Recording Information (Reception No. and/ or Book/Page No.) 202065762 Original Principal Amount $137,787.00 Outstanding Principal Balance $113,242.92 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3, SUNDOWN VILLAS TOWNHOMES FILING NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. **THIS LOAN HAS BEEN MODIFIED THROUGH A LOAN MODIFICATION AGREEMENT EFFECTIVE 7/1/2010.

Also known by street and number as: 5511 SUNSHADE POINT, COLORADO SPRINGS, CO 80918.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/8/2017 Last Publication 11/5/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/09/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-049-30118 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

the transaction, Castellanos said.

And if you do find other lenders willing to finance your new home, get several quotes to compare, even if the builder’s lender has made an offer that sounds attractive.

“Do your homework and go out shopping for your lender,” he said. “If you find a better deal, you have to be firm and say, ‘I’m not interested in working with your lender. I will secure my own lending.’” ■

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said Rafael Castellanos, an attorney and managing partner for Expert Title Insurance Agency in New York.

“A lender is not going to lend to a new buyer with a building that is empty,” Castellanos said. “Sometimes the builder has an agreement with a lender to provide financing. In a situation like that where your regular bank may not be willing to lend, then a preferred lender is a good thing.”

The key is to have an attorney review

5 Bedrooms, 5 baths, 3 car garage, 28 acres. 15 minutes South of academy and #115. 5,800 square feet in rural wooded setting, wildlife everywhere, updated master bath and new oak flooring/carpet.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700686 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 18, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) RICHARD L. MINTLE Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR FIRST NATIONAL BANK OF ARIZONA Current Holder of Evidence of Debt Deutsche Bank Trust Company Americas, as Trustee for Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA8 Date of Deed of Trust April 27, 2005 County of Recording El Paso Recording Date of Deed of Trust May 02, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205061385 Original Principal Amount $276,000.00 Outstanding Principal Balance $260,916.89 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 269, WOODMOOR HIGHLANDS II, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 19380 GLEN HOLLOW CIRCLE, MONUMENT, CO 80132.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/22/2017 Last Publication 11/19/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/18/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street, Denver, CO 80204 (303) 3503711 Attorney File # 00000006949200 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700638 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 1, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) RHONDA STEELE Original Beneficiary(ies) KEYBANK NATIONAL ASSOCIATION Current Holder of Evidence of Debt KEYBANK NATIONAL ASSOCIATION Date of Deed of Trust June 23, 2000 County of Recording El Paso Recording Date of Deed of Trust July 06, 2000 Recording Information (Reception No. and/ or Book/Page No.) 200078568 Original Principal Amount $60,000.00 Outstanding Principal Balance $69,490.40 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 10 IN BLOCK 4 IN VISTA GRANDE TERRACE FILING NO. 8, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Modification of Deed of Trust increased amount to $124,000.00 and added Kevin G. Steele as additional Grantor, recorded December 19, 2001 at Reception No.201186820 of the records of El Paso County, Colorado.

Also known by street and number as: 5387 DEL REY DR, COLORADO SPRINGS, CO 80918.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/1/2017 Last Publication 10/29/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/01/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David C. Walker #36551 Brown Dunning Walker PC 2000 South Colorado Blvd., Tower Two, Suite 700, Denver, CO 80222 (303) 329-3363 Attorney File # 3500-134 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700664 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 9, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) ANDREA M. VOORHIESS and BRIAN A. VOORHIESS Original Beneficiary(ies) GMAC MORTGAGE, LLC F/K/A GMAC MORTGAGE CORPORATION Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust April 26, 2007 County of Recording El Paso Recording Date of Deed of Trust May 01, 2007 Recording Information (Reception No. and/ or Book/Page No.) 207057982 Original Principal Amount $189,818.00 Outstanding Principal Balance $164,814.12 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9 IN BLOCK 5 IN A REPLAT OF VISTA GRANDE TERRACE FILING NO. 16, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 5720 RED ONION WAY, COLORADO SPRINGS, CO 80918.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/8/2017 Last Publication 11/5/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/09/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Elizabeth S. Marcus #16092 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016278 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

X 4 ❘ THE GAZETTE ❘ SUNDAY, OCTOBER 29, 2017

Careers 5 reasons you’re afraid to get a new job

BY LEE PRICE  MONSTER.COM

For plenty of people, the phrase “new job” is exciting because it signals opportunities to learn new skills, expand your network and build your resume. But change can also be scary.

Fear of change is a real thing for many people, but don’t let it crush your career. If you find you’re having a hard time getting your wheels in motion to start your job search, it might be time to confront your fears. After all, time doesn’t move in reverse.

“The average person spends roughly one-third of their life at work,” said Kelsey Bye, a career coach in San Francisco. “That’s a lot of time to let yourself feel unfulfilled, unchallenged, underpaid and unappreciated.”

Read on for five reasons you might be afraid of getting a new job, along with some ideas for how to overcome your fears.

YOU’RE SCARED TO LEAVE YOUR CURRENT EMPLOYER HANGING “What will they do without me?” Julie Vessel, a Minneapolis-St. Paul career coach who counsels professionals in marketing and advertising, hears this question a lot.

“For loyal folks,” she said, “the thought of disappointing their current employer or leaving them empty-handed at a busy time is paralyzing.”

Loyalty to an employer is admirable, but what about your loyalty to your career? “You have to be the one looking out for your best interest — and career growth,” said Vessel.

FACE YOUR FEAR: “Give your all until the very last minute of your employment,” Vessel said.

“That way you leave as the person who gave their best every single day, not the person who dropped the ball.”

YOU ARE WHAT YOU DO Denver-based career coach Leila Hock said many people are afraid to get a new job because their identity is tied to their current job.

“People often take refuge in their title, the company they work for, or their industry as identifying their self-worth,” Hock said. “When that is the case, the idea of transitioning to a new job can feel like they are transitioning their identity — not just what they do to pay the bills.” And that can be as unsettling as looking in the mirror and seeing someone else’s face instead of your own.

FACE YOUR FEAR: Caroline Beaton, Kununu’s millennial career expert and a Denver-based writer who uses psychological studies to understand millennials at work, suggested getting to know yourself better before you take a leap.

“Understand your strengths and how you can and want to contribute to an organization,” she said. A simple way to tap into this is to practice self-affirmation. “You’re more than just your job,” added Hock. “You are a complex, well-rounded being with interests, broader qualities, and diverse skills.”

YOU’RE WORRIED YOU MIGHT HATE YOUR NEW JOB The devil you know is better than the devil you don’t, right? “I’ve seen a lot of folks stay in miserable jobs for fear that they could be even more miserable somewhere else,” Vessel said.

“When things aren’t great in your job, it’s easy to assume that’s just the way it is: long hours, bad supervisors, demanding clients,” said Vessel. “But when things are bad, you owe it to yourself to go in search of better.”

FACE YOUR FEAR: Plenty of people actually don’t loathe their jobs — in fact, a whole lot of people really love what they do. So conquer your fear and your ignorance by doing some research about other companies. Go on informational interviews. Investigate the cool company perks that are offered elsewhere.

Attend a networking event to meet people who work at other companies, and find out how they like their jobs. Your fear may turn out to be as credible as the boogeyman.

YOU’RE CONVINCED YOU CAN’T HACK IT Do you chalk up all your accomplishments to luck and battle a persistent fear of failing or fear of being exposed as a fraud? Imposter syndrome can drag even the smartest, most competent professional down a dark hole of despair.

Know you’re not alone. “This is a fear that many people face at some point, personally and professionally,” said Cathey Stamps, a career coach and former therapist.

FACE YOUR FEAR: One simple way to overcome self-doubt is by carefully reading job descriptions for your ideal job role. Study the duties involved and the skills required. Ask yourself: What skills am I using in my current job that are transferable to the job I want?

What additional skills do I need to learn?

“Take the time to learn from your past — what worked for you as well as what didn’t — and trust those lessons,” Stamps said. “With an honest assessment, you are much more able to acknowledge your own skills and see where you need additional learning and support.”

YOU HATE BEING THE NEW KID You’re comfortable at your current job. You have a routine, you have friends, you know how to find the best coffee in the building. Leaving that comfort zone and having to figure out the office politics — let alone where to eat lunch — among a new set of co-workers can be terrifying.

FACE YOUR FEAR: “The unknown can certainly be troubling, but it’s seldom as bad as we think it’s going to be,” Bye said. One way to get over your fear of being the new kid on the block at work: Start pushing yourself to meet new people now. Seek out new experiences. Join new groups and clubs outside of work. The more practice you have meeting new people and navigating the unknown, the more comfortable you’ll be stepping out in search of a new job. ■

FAIR FUN

J U LY

1 3 ,

A better job is waiting for you.

These tips for overcoming fear of change can give you the boost you need.

2 0 1 7

LOOKING FOR A

JOB?

Butterflies, bengals and everything in between coming to county fair.

PAGE 13

to Warhol ndt From rembr aryday Extraordinary ve

E

berthe morisot, Lucie Léon at the Piano (detail), 1892, oil on canvas

Summer 2017 At the Fine ArtS Center (719) 634-5581 · 30 W. Dale St.

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SUNDAY, OCTOBER 29, 2017 ❘ THE GAZETTE ❘ X 5

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700675 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 14, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) MICHEL BOWMAN-AMUAH and MYMA BOWMAN-AMUAH Original Beneficiary(ies) BANK UNITED OF TEXAS FSB Current Holder of Evidence of Debt JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Date of Deed of Trust June 10, 1994 County of Recording El Paso Recording Date of Deed of Trust June 16, 1994 Recording Information (Reception No. and/ or Book/Page No.) 094083652 Original Principal Amount $136,800.00 Outstanding Principal Balance $65,197.59 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 12 IN PEAK VISTA SUBDIVISION, EL PASO COUNTY, COLORADO. Also known by street and number as: 6426 PEAK VISTA CIRCLE, COLORADO SPRINGS, CO 80918.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/15/2017 Last Publication 11/12/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/14/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nigel G. Tibbles #47133 The Sayer Law Group, P.C. 9745 E. Hampden Ave., Suite 400, Denver, CO 80231 (303) 3532965 Attorney File # CO170155 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700647 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 3, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) LISA BUSCH AND BRENDA BLACK Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR WILMINGTON FINANCE, A DIVISION OF AIG FEDERAL SAVINGS BANK Current Holder of Evidence of Debt WEST COAST SERVICING, INC. Date of Deed of Trust May 20, 2005 County of Recording El Paso Recording Date of Deed of Trust June 03, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205082441 Original Principal Amount $69,000.00 Outstanding Principal Balance $66,761.87 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 140, THE HEIGHTS AT JACKSON CREEK FILING NO. 2, TOWN OF MONUMENT, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 72 BANDIT CREEK DRIVE, MONUMENT, CO 80132.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/8/2017 Last Publication 11/5/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/03/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Dr, Boulder, CO 803055500 (303) 494-3000 Attorney File # 7174-380 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700642 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 1, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) ROBERT MCMANUS, Jr. and MEAGAN MCMANUS Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for FAIRWAY INDEPENDENT MORTGAGE CORPORATION Current Holder of Evidence of Debt LAKEVIEW LOAN SERVICING, LLC Date of Deed of Trust March 11, 2016 County of Recording El Paso Recording Date of Deed of Trust March 14, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216025529 Original Principal Amount $313,888.00 Outstanding Principal Balance $310,619.50 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 8, IN MERIDIAN RANCH FILING NO. 8, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 12529 CULEBRA PEAK DR, PEYTON, CO 80831.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/1/2017 Last Publication 10/29/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/01/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David W. Drake #43315 Randall S. Miller & Associates PC 216 16th Street, Suite 1210, Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00294-1 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700650 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 3, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) MICHEL BOWMAN-AMUAH and MYMA BOWMAN-AMUAH Original Beneficiary(ies) FIRST UNION NATIONAL BANK OF DELAWARE Current Holder of Evidence of Debt WEST COAST SERVICING, INC. Date of Deed of Trust January 06, 2001 County of Recording El Paso Recording Date of Deed of Trust January 30, 2001 Recording Information (Reception No. and/ or Book/Page No.) 201152432 Original Principal Amount $50,000.00 Outstanding Principal Balance $43,039.05 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 12 ON PEAK VISTA SUBDIVISON, EL PASO COUNTY, COLORADO Also known by street and number as: 6426 PEAK VISTA CIR, COLORADO SPRINGS, CO 80918.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/8/2017 Last Publication 11/5/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/03/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Dr, Boulder, CO 803055500 (303) 494-3000 Attorney File # 7174-380 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

X 6 ❘ THE GAZETTE ❘ SUNDAY, OCTOBER 29, 2017 NOTICE OF PUBLIC HEARING PIKES PEAK REGIONAL WATER AUTHORITY AMENDED 2017 BUDGET AND 2018 PROPOSED BUDGET

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NOTICE IS HEREBY GIVEN that pursuant to Section 29-1-105, C.R.S., as amended, a proposed budget was submitted to the Pikes Peak Regional Water Authority by October 15, 2017, for the ensuing fiscal year of 2018.

An amended 2017 Budget has also been submitted to the Authority. Copies of the amended 2017 Budget and of the proposed 2018 budget have been filed in El Paso County’s Centennial Hall, 200 S. Cascade Ave., Suite 100, Colorado Springs, Colorado 80903, where the same are open for public inspection between 8:00 a.m. and 5:00 p.m.

Monday through Friday (except holidays or other days the building or the County is closed).

NOTICE IS FURTHER GIVEN that on Wednesday, November 1, 2017, at 9:00 a.m., in the Centennial Hall, Commissioner’s Pikes Peak Conference Room #114, 200 S. Cascade Avenue, Colorado Springs CO 80903, or at such other time and place to which this hearing may be adjourned, the Pikes Peak Regional Water Authority will hold a Public Hearing pursuant to Section 29-1-106, C.R.S., as amended, at which time the adoption of the amended 2017 Budget and the proposed 2018 budget will be considered; all interested electors within El Paso County will be given the opportunity to be heard concerning these budgets; and upon approval by the Water Authority, the proposed budgets will be formally adopted and funds appropriated.

NOTICE IS FURTHER GIVEN that any interested elector within El Paso County may file or register any objection to the proposed budgets at any time prior to final adoption by the Water Authority.

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In accordance with Local Government Law and pursuant to the direction of the Board of Directors of the Fountain Valley Authority, notice is hereby given that a proposed 2018 budget has been filed and is open for public inspection at the office of the Assistant Secretary, 456 W. Fontanero St., Colorado Springs, Colorado.

Said proposed budget will be considered for adoption on Monday, December 4th, 2017 at 9:30 a.m. at the Blue River Board Room, 121 S. Tejon St., 5th Floor, Plaza of the Rockies, South Tower, Colorado Springs, Colorado.

IS ON THE MOVE

… and is now delivered Thursdays.

Look for the new GO! section every Thursday in The Gazette.

Any interested elector, or other person, may inspect the proposed budget and file or register any objections thereto at any time prior to the final adoption of the budget.

FOUNTAIN VALLEY AUTHORITY SONYA THIEME TREASURER Publication Date: October 29, 2017

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700693 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 22, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) STEVEN VALENCIA and KARAMA VALENCIA Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE INVESTORS CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt FREEDOM MORTGAGE CORPORATION Date of Deed of Trust June 20, 2011 County of Recording El Paso Recording Date of Deed of Trust July 15, 2011 Recording Information (Reception No. and/ or Book/Page No.) 211068103 Original Principal Amount $294,105.00 Outstanding Principal Balance $254,970.01 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4 IN BLOCK 3 IN WINDJAMMER AT BRIARGATE FILING NO. 4, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 3045 COMMODORE DR, COLORADO SPRINGS, CO 80920.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/22/2017 Last Publication 11/19/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/22/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016348 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700672 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 11, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) MATTHEW A COOPER Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for NOVA FINANCIAL & INVESTMENT CORPORATION Current Holder of Evidence of Debt WELLS FARGO BANK, N.A. Date of Deed of Trust December 05, 2014 County of Recording El Paso Recording Date of Deed of Trust December 11, 2014 Recording Information (Reception No. and/ or Book/Page No.) 214113982 Original Principal Amount $273,161.00 Outstanding Principal Balance $261,566.69 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 28, BLOCK 1, PARKSIDE AT MOUNTAIN SHADOWS FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5625 MAJESTIC DRIVE, COLORADO SPRINGS, CO 80919.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/15/2017 Last Publication 11/12/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/11/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-778260-LL The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700698 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 25, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) Frederick E Meyer Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc. Current Holder of Evidence of Debt Lakeview Loan Servicing, LLC Date of Deed of Trust August 22, 2003 County of Recording El Paso Recording Date of Deed of Trust September 23, 2003 Recording Information (Reception No. and/ or Book/Page No.) 203222454 Original Principal Amount $132,327.00 Outstanding Principal Balance $97,619.17 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 47, IN SOUTHFORK SUBDIVISION FILING NO.1, ELPASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED FEBRUARY 19, 1999 AT RECEPTION NO. 99026355 Also known by street and number as: 14979 Clifford Drive, Peyton, CO 80831.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/27/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/29/2017 Last Publication 11/26/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/25/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210, Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00317-1 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700649 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 3, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records.

Original Grantor(s) JAMES E. OLDERVIK AND EMMA M. OLDERVIK Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR WILMINGTON FINANCE, A DIVISION OF AIG FEDERAL SAVINGS BANK Current Holder of Evidence of Debt WEST COAST SERVICING, INC. Date of Deed of Trust May 20, 2005 County of Recording El Paso Recording Date of Deed of Trust June 03, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205082441 Original Principal Amount $69,000.00 Outstanding Principal Balance $66,761.87 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 140, THE HEIGHTS AT JACKSON CREEK FILING NO. 2, TOWN OF MONUMENT, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 72 BANDIT CREEK DRIVE, MONUMENT, CO 80132.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED

BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 10/8/2017 Last Publication 11/5/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/03/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Dr, Boulder, CO 803055500 (303) 494-3000 Attorney File # 7174-380 The Attorney above is acting as a debt collector and is attempting to collect a debt.

Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

Adoption

Notices Adoption DISTRICT COURT, EL PASO COUNTY , COLORADO 270 S. TEJON ST COLORADO SPRINGS, CO 80903 THE PEOPLE OF THE STATE OF COLORADO IN THE INTEREST OF: CHILD, N.W.T. MOTHER, R.N.T. RESPONDENTS, J.R.B., AND UNKNOWN, WHOSE TRUE NAME IS NOT KNOWN CASE NUMBER: 17JV841 DIVISION: N/CS IV-D CASE NUMBER: 21-930294-44-8B Attorney: Mikayla E. Shearer Reg: 50854 Phone: 719-457-6331 Fax: 719-457-6340 Email: Elpasoecf @ywcss.com SUMMONS (PATERNITY) To: Unknown, Whose True Name is Not Known YOU ARE NOTIFIED that a Petition has been filed in this Court in which it is represented that you are the parent of the above named child. In this Petition, the People of the State of Colorado request the Court to enter an order finding that you are the legal parent of the abovenamed child, entering an order requiring you to pay reasonable and necessary support pursuant to §19-4-116(6), Colorado Revised Statutes (C.R.S.), on a monthly basis commencing immediately for the support of the minor child, entering a judgment for child support debt pursuant to §14-14-104, C.R.S., medical support, and to grant such further relief as the Court deems proper, including requiring you to pay the costs of this action.

You are advised that you have the right to be represented by counsel at every state of these proceedings.

You also have the right to request genetic tests and that if genetic tests are not obtained prior to the legal establishment of paternity and submitted into evidence prior to the entry of the final order establishing paternity, the genetic tests may not be allowed into evidence at a later date. You may also have rights not herein named.

YOU ARE SUMMONED to appear for a hearing on the Petition in Division N/CS of the DISTRICT COURT at 270 S. Tejon, Colorado Springs, Colorado 80903 on November 15, 2017 at 9:30 a.m.

CLERK OF THE DISTRICT COURT/ ATTORNEY FOR EL PASO COUNTY CSS UNIT

DISTRICT COURT, EL PASO COUNTY, COLORADO 270 S. TEJON ST COLORADO SPRINGS, CO 80903 THE PEOPLE OF THE STATE OF COLORADO IN THE INTEREST OF: CHILD, S.F. MOTHER, S.F. RESPONDENTS, J.J.W. AND R ORY VENTER CASE NUMBER: 16JV1122 DIVISION: M IV-D CASE NUMBER: 21-202977-44-9E Attorney: Christina E. Eigel Reg: 26334 Phone: 719-457-6331 Fax: 719-457-6340 Email: Elpasoecf @ywcss.com SUMMONS (PATERNITY) To: Rory Venter YOU ARE NOTIFIED that a Petition has been filed in this Court in which it is represented that you are the parent of the above named child. In this Petition, the People of the State of Colorado request the Court to enter an order finding that you are the legal parent of the abovenamed child, entering an order requiring you to pay reasonable and necessary support pursuant to §19-4-116(6), Colorado Revised Statutes (C.R.S.), on a monthly basis commencing immediately for the support of the minor child, entering a judgment for child support debt pursuant to §14-14-104, C.R.S., medical support, and to grant such further relief as the Court deems proper, including requiring you to pay the costs of this action.

You are advised that you have the right to be represented by counsel at every state of these proceedings.

You also have the right to request genetic tests and that if genetic tests are not obtained prior to the legal establishment of paternity and submitted into evidence prior to the entry of the final order establishing paternity, the genetic tests may not be allowed into evidence at a later date. You may also have rights not herein named.

YOU ARE SUMMONED to appear for a hearing on the Petition in Division N/CS of the DISTRICT COURT at 270 S. Tejon, Colorado Springs, Colorado 80903 on November 14, 2017 at 1:30 p.m.

CLERK OF THE DISTRICT COURT/ ATTORNEY FOR EL PASO COUNTY CSS UNIT Published in CS October 29, 2017

Published in CS Gazette October 29, 2017

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