061722 Real Estate Directory by The Garden Island Newspaper

B4 • Friday, June 17, 2022

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Julie Black, Principal Broker & Owner (808) 652-6174 with daughter Kela Caspillo, Realtor Sales Person (808) 652-6173 kauaidreams.com

Damaged credit delays the dream of buying a home Aneri Pattani KAISER HEALTH NEWS Consider the case of Amanda Pitzo and Joe Pitzo,42, of Brookfield, Wisconsin. Due to Joe Pitzo’s brain cancer, the couple has racked up around $350,000 in medical debt. Joe Pitzo and his wife, Amanda, had been married only five months when Joe was diagnosed with brain cancer in 2018. He would need brain surgery and extensive rehab. They’d been planning to buy a house for their blended family of five children. Instead, they shifted their attention to doctor’s visits, insurance paperwork, and hospital bills. And their finances fell apart. “This just took a major toll on my credit,” Joe said. “It went down to next to nothing.” Joe had insurance through his employer. Prior to his brain surgery, the couple confirmed that the surgeon and hospital were in their insurer’s network. But around 4 p.m. the day before the procedure, their insurer said a device the surgeons planned to use was medically unnecessary. It was not covered. Joe and Amanda proceeded with the surgery, figuring they could deal with the bills later. The bills, it turned out, topped $350,000. Joe said the debt dragged down his credit score by several hundred points. Their best hope for a home loan became Amanda, who didn’t have much credit, she said. She’d never taken out a mortgage or a car loan. What’s broken Difficulties with health insurance

Average US mortgage rates jump by most in 35 years Matt Ott AP BUSINESS WRITER WASHINGTON — Average longterm U.S. mortgage rates had their biggest one-week jump in 35 years with the Federal Reserve this week raising its key rate by three-quarters of a point in a bid to tame high inflation. Mortgage buyer Freddie Mac reported Thursday that the 30-year rate climbed from 5.23% last week to 5.78% this week, the highest its been since November of 2008 during the housing crisis. Wednesday’s rate hike by the Fed was its biggest in a single action since 1994. The brisk jump in rates, along with a sharp increase in home prices, has been pushing potential homebuyers out of the market. Mortgage applications are down more than 15% from last year and refinancings are down more than 70%, according to the Mortgage Bankers Association. Those figures are likely to worsen with more Fed rate increases a near certainty. The Fed’s unusually large rate hike came after data released last week showed U.S. inflation rose last month to a four-decade high of 8.6 %. The Fed’s benchmark shortterm rate, which affects many consumer and business loans, will now be pegged to a range of 1.5% to 1.75% — and Fed policymakers forecast a doubling of that range by year’s end. Higher borrowing rates appear to be slowing the housing market, a crucial part of the economy. Sales of previously occupied U.S. homes slowed for the third consecutive month in April as mortgage rates surged, driving up borrowing costs. The average rate on 15-year, fixed-rate mortgages, popular among those refinancing their homes, rose to 4.81% from 4.38% last week. A year ago, the rate was 2.24%.

NAM Y. HUH / ASSOCIATED PRESS FILE

A sign is displayed outside a for-sale home in Wheeling, Ill. last month. are a common feature of medical debt in the U.S. Two-thirds of Americans with health care debt say they haven’t fully paid a bill because they were expecting their health plan to cover it, according to a nationwide survey conducted by KFF. But health insurance rules and restrictions are often so complex that even diligent patients struggle to make sense of them. It’s also not uncommon for medical debts to hurt patients’ credit scores. There’s growing pressure to change that. This spring, the three leading

credit agencies announced they would stop using small past-due medical bills in credit score calculations. And the federal Consumer Financial Protection Bureau plans to investigate whether any health care bills should be counted. What’s left The Pitzos managed to get the hospital to reduce their charges to about $30,000. They worked to build Amanda’s credit so she could apply for the loan and were finally able to buy a house in spring 2022.

They’re still making payments on about $19,000 in medical bills. “It makes me sick about medical costs and how this whole thing is done,” Amanda said. About this project “Diagnosis: Debt” is a reporting partnership between KHN and NPR exploring the scale, impact and causes of medical debt in America. The series draws on the “KFF Health Care Debt Survey,” a poll designed and analyzed by publicopinion researchers at KFF (Kaiser Family Foundation) in

collaboration with KHN journalists and editors. The survey was conducted Feb. 25 through March 20, 2022, online and via telephone, in English and Spanish, among a nationally representative sample of 2,375 U.S. adults, including 1,292 adults with current health-care debt and 382 adults who had health-care debt in the past five years. The margin of sampling error is plus or minus 3 percentage points for the full sample and 3 percentage points for those with current debt. For results based on subgroups, the margin of sampling error may be higher. Additional research was conducted by the Urban Institute, which analyzed credit-bureau and other demographic data on poverty, race and health status to explore where medical debt is concentrated in the U.S. and what factors are associated with high debt levels. The JPMorgan Chase Institute analyzed records from a sampling of Chase credit-card holders to look at how customers’ balances may be affected by major medical expenses. Reporters from KHN and NPR also conducted hundreds of interviews with patients across the country; spoke with physicians, health industry leaders, consumer advocates, debt lawyers, and researchers; and reviewed scores of studies and surveys about medical debt. ••• KHN is a national newsroom that produces in-depth journalism about health issues.

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THE GARDEN ISLAND

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NOTICE OF MORTGAGEE’S INTENTION TO FORECLOSURE UNDER NONJUDICIAL POWER OF SALE. Notice is Hereby Given pursuant to Hawaii Revised Statutes §667-61 through §667-65 and Purchase Money Mortgage, Security Agreement, and Financing Statement with (See Schedule “1”) , as Mortgagor, dated (See Schedule “1”) , recorded in the Bureau of Poipu Studio Drivers/ Kapaa-$785,000 Part furn, utilities incl. Conveyances of the State of Hawaii as Document No. (See Schedule “1”) , P. No. 5CLP-22-0000046 Car Cleaners 3Bed/2BA No P.H.D.S, single occ. that a mortgage lien exists against each of the Vacation Ownership Interests Estate of ANDREW DeREGO, Sr., Deceased Interior: 1,296 sq. ft. $1,150. plus some dep. identified on (Schedule “1”) in favor of VSE Pacific, Inc., a Florida Needed Lihue Airport Lot Size: 12,820 Call 808.652.1568 Day/evening shifts FILED, Petition for Adjudication of Intestacy and co rp o ra tio n , for failure to pay the amounts owed and secured by the Glen Kojima F/T, P/T respective Mortgages. VSE Pacific, Inc., a Florida corporation , as RS-80593 Appointment of Personal Representative, showing Immediate start Mortgagee, whose address is c/o Default Administration 1200 Bartow 808-651-5850 property within the jurisdiction of this Court and asking Call HiEmployment Jesse Fukushima Lakeland, FL 33801 , intends to foreclose its said mortgage, and will that CHEYANNE N. MAHUKA, whose address is c/o Road, 808-482-3900 RS-71180 hold a sale by public auction of Fee Simple property being that certain project, slever@ Michael D. Scarbo, 4442 Hardy St., Ste. 201, Lihue, HI Princeville Ocean Resort Villas , located at 3838 Wyllie Road, 808-482-4077 hi-employment.com MLS 660495 96766 be appointed Personal Representative of said Princeville, HI 96722 on 07/15/2022 at Vidinha Stadium, Hoolako estate. St, Lihue, HI 96766 (under the trees, at entrance to the stadium) at 1:00 PM. Each of the properties is to be sold as an undivided timeshare *Restrictions may apply. Call for details. That Tuesday, 2022forat Sunday 1:00 p.m.andbefore the interest. Deadlines: noonJuly on 26, Friday Monday. (We are closed Thehouses. Garden Terms Island does the right to edit, There willadvertisers, be no open of thereserve sale are: (1) No upset presiding Judge in Probate at who shall be sitting in price. (2) Propertyrefuse, sold without covenant or warranty, as to Regular, single-column classifieds in The Garden Island can Saturdays and Sundays). reject, or cancel any ad at any express time. All or adsimplied, are subject SOLD Business Hours Call Center probate in his courtroom at 3970 Ka‘ana Street, the title possession or encumbrances; (3) At We theare close of the be placed until 4:45pm on Monday, Tuesday, Wednesday, to approval prior to publication. not liable for auction, losses Lihu‘e, Hawai‘i, 96766 be the appointed date, time Purchaser shall pay 100% of the highest successful bid price (“Bid”) by money 7:30 a.m.–5:30 p.m. Housekeepers Monday–Friday; & The Garden Island is seeking a FULL and Thursday for the following day,TIME noon on Friday for Sunday The Garden Island Real Estate Deadlines: To expenses resulting from publication omission of place, correct oror cashier’s certified, check drawn against a errors UnitedorStates based and place for hearing said petition and all interested order, Housekeeping Aides and Monday. Please call your sales executive or 246-0325 for or cancel a Friday real estate/rental single-column at Currency, any time. made All adspayable are subject to approval priorTITLE to ad, institution, please an inadUS Full Time & Casual financial to FIRST AMERICAN persons. On-Call Marriott deadlines for larger, multi-column ads. call by noon on Thursday. publication. We aremay not liable foralosses expenses resulting COMPANY; provided that Mortgagee submit creditorbid up to the amount Vacations Worldwide has Purchaser shallof an payad.allAdvertising closing rate costs from publication(4) errors or omissions All creditors of the above-named estate are hereby of the secured indebtedness; We are seeking a quality individual to join our successful open positions in Lihue including, but not limited to: costs of document drafting, notary fees, consent Cancellation/Correction Deadlines: To cancel ornotified changeto present Check their your claims ad for with errors the first day itorruns in the paper. cards are available from any sales executive. Ads are subject proper vouchers and Koloa starting ASAP! team on Kauai to support the distribution of our portfolio of fees, escrow fees, conveyance tax, recordation fees and other charges, High Wages, Medical/ authenticated if the an ad in the Garden Island, call us by 4:45pm on duly Monday, We are copies unablethereof, to issueeven credit forclaim errorsis reported the rateassessments card in effect which at the time placed. togetherafter withtheany tospecial may they ariseareunder HRS 514BDental/Vision, Marriott publications includingTuesday, The Garden Island,and Kauai Midweek, secured a mortgage upon real While estate,we totrysaid Wednesday, Thursday for the following day, by first day of publication. to accommodate Hotel Discounts & MORE! 146(g)(h)(i);our (5) If title is not conveyed to Purchaser for any reason, other nominee at the address shown above within four than Purchaser’s failure to perform as specified herein, the Mortgagee’s sole Honolulu Star-Advertiser, USAT, and other publications. Apply today at Kapaa-$204,000 months from the date of the first publication of this responsibility shall be the return of the Bid funds tendered by Purchaser. The www.MVWCareers.com This position is responsible for a variety of tasks and Interior: 456 sq. ft. and search “JR33051" notice or they will be forever barred. Purchaser shall have no further recourse against the Mortgagee or its agents, Glen Kojima responsibilities within home delivery, single copy and attorneys, servicers and auctioneers; (6) The sale may be postponed from time RS-80593 Dated: Lihue, Hawaii, June 6, 2022. non-daily distribution areas. The job duties can entail to time by public announcement by Mortgagee or someone acting on its 808-651-5850 Jesse Fukushima behalf; (7) By submitting the Bid, Purchaser acknowledges reading the terms but are not limited to: administration of customer service RS-71180 and conditions set forth in this notice and agrees to be bound thereby and CHRISTINE MARTINEZ 808-482-4077 functions to subscribers and distribution contractors, sign a written acceptance of all terms herein. For further information regarding CLERK OF THE ABOVE-ENTITLED COURT Leah Alisna-Ragsac this sale, you must contact: First American Title Insurance Company, a preparing paper work, distributing daily and non-daily RS-80621 Nebraska corporation at (702) 304-7509 . Conductor of the public sale 808-212-4086 Michael D. Scarbo products to independent contractors, subscribers, and/ in the state of Hawaii: AQUA LEGAL, LLC on behalf of, First American Title, MLS 654625 4442 Hardy St., Ste. 201 agent for Claimant; Phone: (808) 539-7504; Address: 1099 Alakea Street, or retailers, and product delivery verification. Candidate Lihue, HI 96766 suite 2430, Honolulu, Hawaii 96813. Batch No: Foreclosure DOT 118503Attorney for Personal Representative should have solid computer skills and be very organized. POR55-DOT. Schedule “1”: Mortgagor(s), Mortgage Dated Date, Mortgage (TGI1375588 6/17, 6/24, 7/1/22) Document No., Vacation Ownership Interest (Contract No.); NICHOLAS JOSEPH SOLD Smith’s Tropical Luau Our full-time employees enjoy a generous benefit MASSIELLO, JR. and BRADLEY KENT HUFFMAN, 12/04/2008, Inst: 2009008836, 24-01-409294; RUSSELL S. DAVIS and BARBARA J. DAVIS, Looking for package that includes: Medical, Dental, 12/01/2009, Inst: 2010-007292, 24-01-411562; EILEEN MARION Dishwashers Company-Matched 401K as well as sick leave CIANCIOLO and VINCE MICHAEL CIANCIOLO, 03/30/2012, Inst: ACall James at 45050354, 24-01-415103; CHARLES ALBERT MOORE, III and JILL ANN 808-635-1134 and paid vacation. IN THE DISTRICT COURT OF THE FIFTH CIRCUIT CHRISTOPHER, 02/23/2013, Inst: A-48400577, 24-01-416501; LORI A. RODRIGUES, 05/22/2013, Inst: A-49340093, 24-01-416898; ARSENIO Send a cover letter and resume to: TROPICAL TACO STATE OF HAWAII CRUZ TUBIANOSA, 06/29/2013, Inst: A-49750142, 24-01-417082; BARTON in Hanalei Need Fry 500 Ala Moana Blvd Ste 7-500 KAPLAN, 02/05/2016, Inst: A-59110098, 24-01-418778; PETTI LYNN Cooks, Dishwashers and SUMMONS REDDING and KARI LYNN MCDONALD, 07/21/2019, Inst: A-73380339, 24Honolulu, HI 96813 Host/Hostess ASAP 01-419541; CHRISTY LYNN COLOMBO and PETE PALETTA, 08/07/2019, Inst: Good Food, Good Pay or email rstolar@staradvertiser.com Kapaa- $3,050,00 808-827-8226 A-71930459, 24-01-419558. STATE OF HAWAII Vacant Lot Attention Paul or Gabriela (TGI1375266 6/17, 6/24, 7/1/22) Lot Size: 10.37 Acre(s) We are an equal opportunity, affirmative action employer. We recognize and To: Defendant ZYON KEALOHAAKAHAI KANEAPUA Clifton Kukino appreciate the benefits of diversity in the workplace. People who share this RB-15364 808-639-1490 belief or reflect a diverse background are encouraged to apply. YOU ARE HEREBY NOTIFIED that the Plaintiff Mark Tanaka GATHER FEDERAL CREDIT UNION, a federally chartered RB-9222 credit union, filed a Complaint (Assumpsit - Money 808-639-0367 Owed); Declaration; Exhibits 1, 2 & 3; and Summons MLS 656910

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FIFTH CIRCUIT COURT NOTICE OF PROBATE AND NOTICE TO CREDITORS

A WEEK

ON ALL MERCHANDISE ADS*

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against you in Civil No. 5DRC-22-59, in the District Court of the Fifth Circuit, State of Hawaii, praying for judgment for sums due and owing for nonpayment of a consumer loan, interest, late fees, costs and attorneys’ fees and for other proper relief. YOU ARE HEREBY SUMMONED to appear in the Courtroom of the Presiding Judge of the aboveentitled Court, Kauai, Hawaii, on Monday, the 11th day of July, 2022, at 8:00 a.m. of said day or to file an answer or other pleading and serve it before said day upon SHERMAN SHIRAISHI, Plaintiff’s attorney, whose address is 2403 Ulu Maika Street, Lihue, Hawaii, 96766. If you fail to do so, judgment by default will be taken against you for the relief demanded in the Complaint. DATED: Lihue, Hawaii, May 9, 2022.

Circulation Distribution Assistant Full-Time

Oahu Publications Inc. is seeking a quality individual to join our successful team on Kauai to support the distribution of our portfolio of publications including The Garden Island and other publications. This position is responsible for a variety of tasks and responsibilities within home delivery, single copy and non-daily distribution areas. The job duties can entail but are not limited to: administration of customer service functions to subscribers and distribution contractors, preparing paper work, distributing daily and non-daily products to independent contractors, subscribers, and/or retailers, and product delivery verification. Candidate should have solid computer skills, be very organized and have a valid driver’s license with a clean abstract. Attendance and punctuality a must.

/s/ Debra Manini CLERK OF THE ABOVE-ENTITLED COURT (TGI1372768 5/27, 6/3, 6/10, 6/17/22)

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Poipu IN ESCROW

ELEELE $739,000 2Bed /2Ba Interior size: 908 sq. ft. Lot size: 8,044 sq. ft. MLS659175 Carol Cummings RB-14915 808-651-4766

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Featured Homes

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We are looking for the right candidate to call on new and current customers and market our A numerous advertising solutions to grow our customer’s business. This person will prospect new business and grow the current account base. Comfort with cold-calling is a must. He/ she will be able to represent numerous newspapers, magazines, website and digital products, be able to match those products to the customer’s needs and make sales presentations to LL CRIBE CA key decision makers. A high school diploma is required. A Bachelor’s TO SUBS degree in marketing or 33 245-04nis land.com thegarde business is preferred. An aptitude for understanding statistical information and basic computer skills are necessary. He/she also must possess excellent verbal and written communication skills and be able to successfully multi-task. If you want a career with a fast paced, top media company with excellent pay and benefits, we want to hear from you. ds a

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SOLD

ELEELE-$625,00 Eleele Subdivision 3Bed/1.5Ba Interior: 840 sq. ft. Lot Size: 9,864 sq. ft. KEVIN HORITA (808) 639-8213 MLS 648289

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Lihue-$1,050,000 3 Bed/2.5 Ba Interior Area: 1,893 sq ft Ashley M. Carvalho RS-73535 808-639-9307 Mark K. Tanaka 808-639-0367 RB-9222 MLS 661107

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