297866 PUBLIC NOTICE COMBINED

Details
$225,000
Placed on 12/7/2018
|
Views: 40
297866
PUBLIC NOTICE
COMBINED NOTICE OF SALE, RIGHT TO CURE, AND RIGHT TO REDEEM
Sale No. 28-18
This Combined Notice concerns the Deed of Trust described as:
Original Grantor(s): KENYON H COWAN AND SABRINA M COWAN
Original Beneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FIDELITY MORTGAGE OF NY A DIVISION OF DELTA FUNDING CORPORATION, ITS SUCCESSORS AND ASSIGNS
Current Holder of Evidence of Debt: HSBC BANK USA, NATIONAL ASSOCIATION AS TRUSTEE FOR RENAISSANCE HOME EQUITY LOAN ASSET-BACKED CERTIFICATES, SERIES 2007-3
Date of Deed of Trust: June 15, 2007
Date Deed of Trust Recorded: June 28, 2007
County of Recording: Montezuma
Recording: Reception Number 549505
Original Principal Debt: $225,000.00
Outstanding/Unpaid Principal Balance of Debt: $177,810.35

YOU ARE HEREBY NOTIFIED that a foreclosure proceeding was commenced in the office of the undersigned Public Trustee to foreclose the lien of the Deed of Trust described above. The following described property being foreclosed is all of the property encumbered by Deed of Trust:
ALL THE REAL PROPERTY TOGETHER WITH IMPROVEMENTS, IF ANY, SITUATE, LYING AND BEING IN THE COUNTY OF MONTEZUMA AND STATE OF COLORADO DESCRIBED AS FOLLOWS:

TRACTS 1 AND 2, THE RESUBDIVISION OF THE SOUTH HALF OF LOT 15, TOWNSITE OF BARRETT, PART OF THE EASTERN ADDITION TO THE CITY OF CORTEZ, ACCORDING TO THE PLAT THEREOF FILED FOR RECORD JULY 29, 1982 IN BOOK 10 AT PAGE 77.
Purported Common Address: 2208 E EMPIRE ST, CORTEZ, CO 81321

You are hereby notified that the covenants of the Deed of Trust have been violated as follows:
Violations including, but not limited to, Borrowers failure to make timely payments as required under the Evidence of Debt and Deed of Trust.
You may have an interest in the real property being foreclosed that may be affected by this foreclosure. You may have the right to cure a default under the above-described Deed of Trust, and you may have the right to redeem the real property being foreclosed. A notice of intent to cure filed pursuant to 38-38-104, Colorado Revised Statutes, shall be filed with the undersigned public trustee at least fifteen (15) calendar days prior to the first scheduled sale date or any date to which the sale is continued. 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.
A notice of intent to redeem pursuant to 38-38-302, Colorado Revised Statutes, shall be filed with the undersigned public trustee no later than 8 business days after the sale.
A copy of sections 38-37-108, 38-38-103, 38-38-104, 38-38-301, 38-38-302, 38-38-304, 38-38-305, and 38-38-306 of the Colorado Revised Statutes, as presently comprised, is included with this Combined Notice as required by law. However, your rights may be determined by previous statutes.
Attorney representing the Holder: Janeway Law Firm, P.C., Lynn M. Janeway #15592, 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112, Phone: (303) 706-9990 Fax: (303) 706-9994 JLF No.: 18-019611

THEREFORE, the undersigned Public Trustee will, at 10:00 AM on Wednesday, January 30, 2019 at the Montezuma County Public Trustee, 140 W. MAIN STREET STE #2, Cortez, CO 81321, sell the property described above, at public auction to the highest bidder who has submitted bid funds to the undersigned Public Trustee as specified by 38-38-106(7), C.R.S. to pay the Debt and certain other sums, all as provided by applicable law and the Deed of Trust, and will deliver to the purchaser a certificate of purchase as provided by law.

THE LIEN BEING FORECLOSED MAY NOT BE A FIRST LIEN.

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, COLORADO REVISED STATUTES, OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, COLORADO REVISED STATUTES, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU, OR BOTH, AT:
Office of the Attorney General
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 10th Floor
Denver, CO 80203
Phone (720) 508-6000
www.coloradoattorneygeneral.gov

Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Phone (855) 411-2372
www.consumerfinance.gov
THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU ARE IN BANKRUPTCY OR THIS DEBT HAS BEEN DISCHARGED IN BANKRUPTCY, THE COLLECTION ACTION DESCRIBED IN THIS NOTICE SHALL BE AGAINST THE REAL PROPERTY THAT SECURES THE DEBT AND NOT AGAINST YOU PERSONALLY.

DATED: October 3, 2018
SHERRY DYESS
Montezuma County Public Trustee, State of Colorado
By: /s/ Sherry Dyess
PUBLIC TRUSTEE
First Publication: December 7, 2018
Last Publication: January 4, 2019
Newspaper: The Journal
Published in The Journal December 7, 14, 21, 28, 2018 and January 4, 2019.
Find Similar Listings
&icat=Legals &icls=108 1010 Private Legals Legals 108 Legal and Public Notices 319262 Announcements