Legals December 21, 2015

NOTICE OF TRUSTEE'S SALE TS No: ID-15-689744-TD NOTICE IS HEREBY GIVEN that on 4/6/2016 , at the hour of 9:00 AM of said day, La Quinta Inn & Suites Coeur d'Alene, 333 W. Ironwood Dri ve, Coeur d'Alene, ID 83814 , said Trustee will sell at public auction to the highest bidder, for cash in lawful money of the United States of America, all payable at the time of sale, the following described real property situated in the County of KOOTENAI , State of Idaho, and described as follows, to-wit: Lot 18, Block 2, Princetown at Waterford, according to the Plat recorded in Book "K" of Plats at pages 182 through 182D, records of Kootenai County, Idaho The Trustee has no knowledge of a more particular description of the above-described real property, but for purposes of compliance with Idaho Code Section 60-113, the Trustee has been informed that the street address of 7846 N QUINCY CT, COEUR D ALENE, ID 83815 may sometimes be associated with said real property. Said sale will be made, without covenant or warranty regarding title, possession or encumbrances, to satisfy the obligation secured by and pursuant to the power of sale conferred in the Deed of Trust made and entered into on 6/4/2010 , by and among BRENDA R SEXTON, AN UNMARRIED PERSON , as Grantor, and NORTH IDAHO TITLE , as Trustee, a nd MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MOUNTAIN WEST BANK , as Beneficiary; said Deed of Trust having been filed of record on 6/4/2010 , as Instrument No. 2268010000 and modified as per Modification Agreement recorded 4/15/2014 as Instrument No. 2452748000 Official Records of KOOTENAI County, Idaho. The naming of the above Grantor(s) is done to comply with Idaho Code Sections 45-1506(4)(a); no representation is made as to the responsibility of Grantor(s) for this obligation. The default for which this sale is to be made is: The monthly installment of $ 729.01, which may include principal, interest and escrow, due on 7/1/2015, and all subsequent installments of principal and interest through the date of this Notice, plus amounts that are due for late charges, delinquent property taxes, insurance premiums, advances made on senior liens, taxes and/or insurance, trustee's fees, and any attorney fees and court costs arising from or associated with the beneficiaries efforts to protect and preserve its security, all of which must be paid as a condition of reinstatement, including all sums that shall accrue through reinstatement or pay-off. Nothing in this notice shall be construed as a waiver of any fees owing to the Beneficiary under the Deed of Trust pursuant to the terms of the loan documents. The balance due and owing as of the date hereof on the obligation secured by said Deed of Trust is the amount of $95,297.79 in principal; plus accrued interest at the rate of 4.3750 percent ( 4.3750 %) per annum from 7/1/2015 adjusting, if at all, pursuant to the terms of the note; plus service charges, late charges, and any other costs or expenses associated with this foreclosure as provided by the Deed of Trust or Deed of Trust Note, or by Idaho law. LANCE E. OLSEN MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated this 23rd day of November, 2015. Lance E. Olsen, Trustee By: Lance E. Olsen IDSPub #0096679 12/7/2015 12/14/2015 12/21/2015 12/28/2015 LEGAL 4738 DECEMBER 7, 14, 21, 28, 2015

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: December 3, 2015 File No.: 7069.26710 Sale date and time (local time): April 6, 2016 at 9:00 AM Sale location: La Quinta Inn & Suites - Coeur d'Alene, 333 W. Ironwood Drive, Coeur d'Alene, ID 83814, Auction.com Room Property address: 6045 North Madellaine Drive Coeur d'Alene, ID 83815 Successor Trustee: Northwest Trustee Services, Inc., an Idaho Corporation P.O. Box 997 Bellevue, WA 98009 (425) 586-1900 Deed of Trust information Original grantor: Lori Ferraro and Gregory P. Ferraro, wife and husband Original trustee: First American Title Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Fairway Independent Mortgage Corp. D/B/A Equity Freedom Home Loans Recording date: 02/12/2007 Recorder's instrument number: 2082356000 County: Kootenai Sum owing on the obligation: as of December 3, 2015: $342,221.89 Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check. For further information write or call the Successor Trustee at the address or telephone number provided above. Basis of default: failure to make payments when due. Please take notice that the Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be correct. The property's legal description is: Lot 4 in Block 3 of Coeur d' Alene Place Eleventh Addition, according to the official plat thereof, filed in Book I of Plats at Page(s) 423 official records of Kootenai County, Idaho. The sale is subject to conditions, rules and procedures as described at the sale and which can be reviewed at www.northwesttrustee.com or USA-Foreclosure.com. The sale is made without representation, warranty or covenant of any kind. FERRARO, LORI and GREGORY (TS# 7069.26710) 1002.260722-File No. LEGAL 4751 DECEMBER 14, 21, 28, 2015 JANUARY 4, 2016

Department of the Treasury-Internal Revenue Service NOTICE OF PUBLIC AUCTION SALE Pursuant to an Order of Sale entered in United States vs. Philip L. Hart and State of Idaho Civil No. 2:11-cv-000513-EJL United States District Court Western District of Washington at Seattle the United States will offer to sell at public auction the right, title, and interest of Philip L. Hart, in and to property located in in Athol, Kootenai County, Idaho. Date of Sale: January 28, 2016 Time of Sale: 11:00AM - registration begins 10:00AM Place of Sale: 501 Government Way Coeur d'Alene, ID 83814 Description of Property: Commonly known as: 4430 E Sarah Loop, Athol, ID Log home with 3 bedrooms and 3 baths with 2888 sq. ft. on 10 acres. Needs some TLC Legal Description: Lot 10, Block 5-20, Shamrock Ranch Phase V, according to the plat recorded in Book G of Plats, Pages 301, 301A, 301B and 301C, records of Kootenai County, Idaho. (Bitterroot Ranch - BIT 5.10.20) Open house - Drive by only Nature of Title: The right, title, and interest of the United States in and to the property described above. The sale of the above described real property shall be subject to confirmation by the Court. Upon confirmation of the sale, the Internal Revenue Service shall execute a Quit claim deed conveying each parcel of the real property to the purchaser. Upon Confirmation of the sale, all interests in, liens against, and claims to, the parcel of the real property that are held or asserted by all parties to this action are discharged or extinguished. Minimum bid: 110,000 Payment Terms: Deferred payment as follows: 10% down upon acceptance of the highest bid. No bid shall be accepted unless it is accompanied by a cashier's check, made payable to the United States District Court for the District of Idaho. Before being permitted to bid at the sale, all bidders shall display proof that they are able to comply with this requirement. No bids will be received from any person who has not presented said proof. The successful bidder shall tender the balance of the purchase price, in cashiers check made payable to the United States District Court for the District of Idaho, at the office of the Internal Revenue Service, 500 W 12th St. PALS Vancouver WA 98660 no later than February 18, 2016. In the event the successful bidder defaults on any of the terms contained herein, the deposit shall be forfeited and retained by the Internal Revenue Service as part of the proceeds of sale, and the real property shall again be offered for again for sale, the deposit shall be forfeited and shall be applied to the expenses of sale and to the outstanding federal tax liabilities of taxpayer. This property shall be offered for sale at public auction, free and clear of all liens and interests of the parties to this action. The U.S. may bid as a creditor against its judgment without tender of cash. The government reserves the right to reject any and all bids and to withdraw the property from sale. The property is offered for sale "as is" and "where is" and without recourse against the United States. The United States makes no guarantee of condition of the property, or its fitness for any purpose. The United States will not consider any claim for allowance or adjustment or for the rescission of the sale based on failure of the property to comply with any expressed or implied representation. Form of Payments: All payments must be by cashiers check. Make check payable to the United States District Court for the District of Idaho Name: Mary Smith Title: Property Appraisal Liquidation Specialist Address for information about the sale: Internal Revenue Service 500 W 12th St. PALS Vancouver WA 98660, or www.irssales.gov Cell (951)201-6919 or Email Mary.Smith3@irs.gov LEGAL 4764 DECEMBER 14, 21,28, 2015 JANUARY 4, 2016

NOTICE OF TRUSTEE'S SALE NOTICE IS HEREBY GIVEN that on April 19, 2016 at the hour of 10:00 am of said day, at Veteran's Memorial Plaza North Entrance Admin Building 451 N Government Way Couer d'Alene ID 83815 the Trustee will sell at public auction to the highest bidder, for cash in lawful money of the United States of America, all payable at the time of sale, the following described real property situated in the County of Kootenai, State of Idaho, and described as follows, to-wit: Lot 4 CHERRY HEIGHTS THIRD ADDITION; according to the plat recorded in Book "E" of Plats at Page 68, records of Kootenai County, Idaho. TOGETHER WITH: That portion of the "dedicated public park" shown on the plat of the CHERRY HEIGHTS 5TH ADDITION, located in the Southwest Quarter of Section 7, Township 50 North, Range 3 West, Boise Meridian, recorded in Book "E" of Plats, Page 111 and more particularly described as follows: BEGINNING at the Northeast corner of Lot 4 of CHERRY HEIGHTS 3RD ADDITION, recorded in Book "E" of Plats, Page 68, records of Kootenai County, Idaho; thence North 57802'30" East, 37.65 feet to a point; thence South 25801'15" East, 90.87 feet to a point; thence South 57802'30" West, 25.10 feet to a point, said point being the corrner common to Lot 4 of said CHERRY HEIGHTS 3R0 ADDITION and Lot 2, Block 1, LUCILLE'S ADDITION, recorded in Book "F" of Plats, Page 14, records of Kootenai County, Idaho; thence North 32857'30" West, along the Easterly line of said Lot 4, 90.0 feet to the POINT OF BEGINNING. The Seller has no knowledge of a more particular description of the above described real property, but for purposes of compliance with Idaho Code Section 60-113, the Trustee has been informed that the street address of 1154 N Lambert Lane, Coeur D Alene, ID 83814, may sometimes be associated with said real property. Said sale will be made, without covenant or warranty regarding title, possession or encumbrances, to satisfy the obligation secured by and pursuant to the power of sale conferred in the Deed of Trust made and entered into on 12/03/2009, by and among Mike P. Bowen, a married man, as his separate estate, as Grantor, and Pioneer Title Company, as Trustee, and Mortgage Electronic Registration Systems, Inc. as nominee for Mortgage Electronic Registration Systems, Inc. ("MERS"), as nominee for Golf Savings Bank, a Washington Stock Savings Bank, as Beneficiary; said Deed of Trust having been filed of record on 12/07/2009 as Instrument No. DOC# 2244192000, Official Records of Kootenai County, Idaho. The naming of the above Grantor(s) is done to comply with Idaho Code Section 45-1506(4)(a); no representation is made as to the responsibility of Grantor(s) for this obligation. The default for which the sale is to be made is that no monthly installment payments under a Deed of Trust Note dated 12/03/2009, in the amount of $948.85 per month for 10/01/2011 and each month thereafter have been made, together with accruing late charges, plus any other charges lawfully due under the note, deed of trust, and Idaho law. The balance owing as of 04/21/2015 on the obligation secured by said Deed of Trust is the amount of $210,240.42; plus service charges, late charges, and any other costs or expenses associated with this foreclosure as provided by the Deed of Trust or Deed of Trust Note, or by Idaho law. Date 12/12/2015 Brian G. Sayer Klatt, Augustine, Sayer, Treinen & Rastede, P.C. 925 E. 4th St. Waterloo, Iowa 50703 319-234-2530 319-232-6341 LEGAL 4776 DECEMBER 14, 21, 28, 2015 JANUARY 4, 2016

IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI Case No. CV-15-8367 NOTICE TO CREDITORS (I.C. 15-3-801) IN THE MATTER OF THE ESTATE OF: Vanner Michael Hegbloom Deceased. NOTICE IS HEREBY GIVEN that on Karen Lee Hegbloom has been appointed Personal Representative of the above named Estate. All persons having claims against the decedent or the Estate are required to present their claims within four (4) months after the date of the first publication of this Notice to Creditors, or said claims will be forever barred. Claims must be presented to the undersigned at the address indicated and filed with the Clerk of the Court. Dated this 10th day of December, 2015 /s/__________ Katerhine Monroe Coyle LEGAL 4804 DECEMBER 21, 28, 2015 JANUARY 4, 2016