Exhibit 8 

Page 1 of 5

TRUSTEE'S NOTICE OF SALE 

File No. 7443.202S6 

Reference is made to that certain trust deed made by Denise Subramaniam, as grantor, to Paul S. Cosgrove, 

Lindsay Harte, Law Off., as trustee, in favor of People's Choice Home Loan, Inc., a Wyoming Corporation, as 

beneficiary, dated 02/10/04, recorded 03/01/04, in the mortgage records of Washington County, Qreson, as 2004~ 

019937 and subsequently assigned to LNV Corporation by Assignment recorded as 2008·073972, covering the 

following described real property situated in said county and state, to wit: 

Lot 4, Block 2, DEVONSHIRE, in the County of Washington and State of Oregon. 

PROPERTY ADDRESS: 13865 SW WALKER RD 

BEAVERTON, OR 97005 

Both the beneficiary and the trustee have elected to sell the real property to satiszy the obligations secured 

by the trust deed and a notice of default has been recorded pursuant to Oregon Revised Statutes 86.735(3); the 

default for which the foreclosure is made is grantor's failure to pay when due the following sums: monthly payments 

of $1,515.73 beginning 04/01107; plus late charges of $75.79 each month beginning 04/16/07; plus prior accrued 

late charges of ($2,011.55); plus advances of $6,471.11; together with title expense, costs, trustee's fees and 

attorney's fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the 

protection of the above described real property and its interest therein; and prepayment penalties/premiums, if 

applicable. 

By reason of said default the beneficiary has declared all sums owing on the obligation secured by the trust 

deed immediately due and payable, ~id sums being the following, to wit: $171,450.72 with interest thereon at the 

rate of 10.625 percent per annum beginning 03/0l/07; plus late charges of$75.79 each month beginning 04/16/07 

until paid; plus prior accrued late charges of ($2,01 1.55); plus advances of $6,471.11; together with title expense, 

costs, trustee's fees and attorneys fees incurred herein by reason of said default; any further sums advanced by the 

beneficiary for the protection of the above described real property and its interest therein; and prepayment 

penalties/premiums, if applicable. 

WHEREFORE, notice hereby is given that the undersigned trustee will on September 26, 2012 at the hour 

of 10:00 o'clock, A.M. in accord with the standard of time established by ORS 187.110, at the following place: 

inside the main lobby of the Washington County Courthouse, 145 N.E. 2nd Avenue, in the City of Hillsboro, County 

of Washington, State of Oregon, sell at public auction to the highest bidder for cash the interest in the described real 

property which the grantor had or had power to convey at the time of the execution by grantor of the trust deed, 

together with any interest which the grantor or grantor's successors in interest acquired after the execution of the trust 

deed, to satiszy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable 

charge by the trustee. Notice is further given that for reinstatement or payoff quotes requested pursuant to ORS 

86.757 and 86.759 must be timely communicated in a written request that complies with that statute addressed to 

the trustee's "Urgent Request Desk" either by personal delivery to the trustee's physical offices (call for address) 

or by first class, certified mail, return receipt requested, addressed to the trustee's post office box address set forth 

in this notice. Due to potential conflicts with federal law, persons having no record legal or equitable interest in 

the subject property will only receive information concerning the lender's estimated or actual bid. Lender bid 

information is also available at the trustee's website, www.nortbwesttrust~e.com. Notice is further given that any 

person named in ORS 86.753 has the right, at any time prior to five days before the date last set for the sale, to have 

thi~ foreclosure proceeding dismissed· and the trust deed reinstated by payment to the beneficiary of the entire 

amount then due (other than such portion of the principal as would not then be due had no default occurred) and by 

curing any other default complained of herein that is capable of being cured by tendering the perfonnance required 

under the obligation or tru.st deed, and in addition to paying said sums or tendering the perfonnance necessary to 

cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and trust deed, 

together with trustee's and attorney's fees not exceeding the amounts provided by said ORS 86.753. Requests from 

persons named in ORS 86.753 for reinstatement quotes received less than six days prior to the date set for the 

Case 3:14-cv-01836-MO Document 54-8 Filed 06/08/15 Page 1 of 5
Exhibit 8 

Page 2 of 5

trustee's sale will be honored only at the discretion of the beneficiary or if required by the terms of the loan 

documents. 

In construing this notice, the singular includes the plural, the word "grantor" includes any successor in 

interest to the grantor as well as any other person owing an obligation, the performance of which is secured by said 

trust deed, and the words "trustee" and "beneflciary" include their respectiw successor~ in interest, if any, 

NOTICE TO RESn>ENTIAL TENANTS 

The property in which you are living is in foreclosure. A forecloslirl;l sale is scheduled for September Z6, 2012. 

The date of this sale may be postponed. Unless the lender that is foreclosing on this property is paid l;lefore the 

sale date, the foreclosure will go through and someone new will ()wn this property. After the sale, the new owner 

is required to provide you with contact information and notice that the sale took place. 

The following infom1ation applies to you only if you are a bona fide tenant occupying and renting this property 

as a residential dwelling under a legitimate rental agreement. The information does not apply to you if you own 

this propel'ty or if you are not a bona fide residential tenant. 

If the foreclosure sale goes through, the new owner will have the right to require you to move out, :Sefore the new 

owner can require you to move, the new owner must provide you with written notice that specifies the date by 

which you must move out. If you do not leave before the move~out date, the new owner can have the sheriff 

remove you from the property after a court hearing. You will receive notice of the court hearing. 

PROTECTION FROM EVICTION 

IF YOU ARE A BONA FIDE TENANT OCCUPYING AND RENTING THIS PROPERTY AS A 

RESIDENTIAL DWELLING, YOU HAVE THE RIGHT TO CONTINUE LIVING IN THIS PROPERTY 

AFTER THE FORECLOSURE SALE FOR: 

0 THE REMAINDER OF YOUR FIXED TERM LEASE, IF YOU HAVE A FJXED TERM LEASE; OR 

0 AT LEAST 90 DAYS FROM THE DATE YOU ARE GIVEN A WRITTEN TERMINATION NOTICE. 

If the new owner wants to move in and use this property as a primary residence, the new owner can give you 

written notice and require you to move out after 90 days, even though you have a fixed term lease with more than 

90 days left. · 

You must be provided with at least 90 days' written notice after the foreclosure &ale before you can be required 

to move. 

A bona fide tenant is a residential tenant who is not the borrower (property owner) or a child, spouse or par<,~nt of 

the borrower, and whose rental agreement: 

0 Is the result of an arm's·length transaction; 

0 Requires the payment of rent that is not substantially less than fair market rent for the property, unless the rent 

is reduced or subsidized due to a federal, state or local subsidy; and 

D Was entered into prior to the date of the foreclosure sale. 

ABOUT YOUR TENANCY 

BETWEEN NOW AND THE FORECLOSURE SALE: 

RENT 

Case 3:14-cv-01836-MO Document 54-8 Filed 06/08/15 Page 2 of 5
Exhibit 8 

Page 3 of 5

YOU SHOULD CONTINUE TO PAY RENT TO YOUR LANDLORD UNTIL THE PROPERTY IS SOLD OR 

UNTIL A COURT TELLS YOU OTHERWISE. IF YOU DO NOT PAY RENT, YOU CAN BE EVICTED. BE 

SURE TO KEEP PROOF OF ANY PAYMENTS YOU MAKE. 

SECURITY DEPOSIT 

You may apply your security deposit and any rent you paid in advance against the current rent you owe your 

landlord as provided in ORS 90.367, To do this, you must notifY your landlord in writing that you want to 

subtract the amount of your security deposit or prepaid rent from your rent payment. You may do this only for the 

rent you owe your current landlord. If you do this, you must do so before the foreclosure sale. The business or 

individual who buys this property at the foreclosure sale is not responsible to you for any deposit or prepaid rent 

you paid to your landlord. 

ABOUT YOUR TENANCY 

AFTER THE FORECLOSURE SALE 

The new owner that buys this property at the foreclosure sale may be willing to allow you to stay as a tenant 

instead of requiring you to move out after 90 days or at the end of your (lXed term lease. After the sale, you 

should receive a written notice informing you that the sale took place and giving you the new owner's name and 

contact information. You should contact the new owner if you would like to stay. If the new owner accepts rent 

from you, signs a new residential rental agreement with you or does not notifY you in writing within 30 days after 

the date of the foreclosure sale that you must move out, the new owner becomes your new landlord and must 

maintain the property. Otherwise: 

0 You do not owe rent; 

0 The new owner is not your landlord and is not responsible for maintaining the property on your behalf; and 

0 You must move out by the date the new owner specifies in a notice to you. 

The new owner may offer to pay your moving expenses and any other costs or amounts you and the new owner 

agree on in exchange for your agr~ment to leave the premises in less than 90 days or before your fixed term 

lease expires. You should speak with a lawyer to fully understand your rights before making any decisions 

regarding your tenancy. 

IT IS UNLAWFUL FOR ANY PERSON TO TRY TO FORCE YOU TO LEAVE YOUR DWELLING UNIT 

WITHOUT FIRST GIVING YOU WRITTEN NOTlCE AND GOING TO COURT TO EVICT YOU. FOR 

MORE INFORMATION ABOUT YOUR RIGHTS, YOU SHOULD CONSULT A LAWYER. If you believe 

you need legal assistance, contact the Oregon State Bar Association (16037 Upper Boones Ferry Road, Tigard, 

Oregon 97224, (503)620-0222, tolHree in Oregon (800)452-$260) and ask for the lawyer referral service. If you 

do not have enough money to pay a lawyer and are otherwise eligible, you may be able to receiw legal assistance 

for free. Information about whom to contact for free legal assistance; a CO\Jllty·by-county listing of l~al aid 

resources m~y be found on the Internet at bttp://www.osbar.orglpul!lilifris/lgwqostte¥alhelp/lesalaid.html. 

The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this 

refereQce. You may also access sale status at \:YW):y.norttnY~ttrust~e~£Qm and WID.Y·USA~fQJ!.£!O§W'!,£Qtu. 

Dated; ___ 6J_. ·.....;,~_Z_,_( __ , 20_/z-..-_· 

North/7.)' t~ J'rustee Services, Inc. 

By . L?l({/. /4 ~/.?)/ 

Assistant Vice President, 

Northwest Trustee Services, Inc. 

Case 3:14-cv-01836-MO Document 54-8 Filed 06/08/15 Page 3 of 5
Exhibit 8 

Page 4 of 5

For further infonnation, please contact: 

Claire Swazey 

Northwest Trust¢e Services, Jnc. 

P.O. Box 99.7 

Bellevue, W A 98009·0997 

(415) 586·1900 

File No.7443.202S6/SUSRAMANJAM, DENISE 

State of Washington, County of King) ss: 

I, the undersigned, certifY that the foregoing is a complete and accurate copy of the origmal trustee's notice 

of sale. 

By Authorized Signer 

THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A 

DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, 

Case 3:14-cv-01836-MO Document 54-8 Filed 06/08/15 Page 4 of 5
Exhibit 8 

Page 5 of 5

AFFIDAVIT OF MAILING TRUSTEE'S NOTICE OF SALE TO OCCUPANT 

(In Lieu of Personal Service) 

STATE OF WASHINGTON, County of KING) ss: 

I, the undersigned, being frrst duly sworn, depose and say and certify that: 

At all times hereinafter mentioned, I was and now am a resident of the State of Washington, a 

competent person over the age of eighteen years and not the beneficiary or beneficiary's succeSSQr 

in interest named in the attached original notice of S!tle given under the terms of that certain deed 

described in said notice. 

On June 4, 2012 I caused to be deposited in the United States post office at Bellevue, 

· i Washington a copy of the attached Notice of Trustee's Sale ("Notice"). The Notice was sealed 

in an envelope addressed to H0ccupant" at 1386$ SW WALKER RD, BEAVERTON, OR, 

97005 and sufficient postage was affixed to the envelope for first class delivery to the address 

indicated. 

STATE OF W ASlUNGTON 

COUNTY OF KING 

) 

) ss. 

) 

I certify that I know or have satisfactory evidence that Michelle Chang is the person 

who appeared before me, and said person acknowledged that (he/she) signed this instrument and 

acknowledged it to be (his/her) free 11nd voluntary act for the uses and purposes mentioned in the 

instrument. 

Dated: ~(Q - Ll- I Q. 

RENEE K. MAYS 

$TATE OF WASHINGTON 

NOTARY PUBliC 

MY COMMISSION EXPIRE;S 

03·21·1(3 

7443.20256 I SUBRAMANIAM, DENISE 

Claire Swazey 

~Qfl. ~ ()Jg~e_ NOTARY PUBLlC in an. d fi.o~ ...... e.' ~~~t.ee of Washinj;!t~n, .residin~ at ___ § '£f!n .·.··-

My commtsston exptres . , )-r..f:? 

Case 3:14-cv-01836-MO Document 54-8 Filed 06/08/15 Page 5 of 5