010077281 November 5, 12

The undersigned Substitute Trustee, by virtue of the authority vested in him by that certain Deed of Trust, dated April 23, 2007, and duly recorded in the Office of the Clerk of the County Commission of Monongalia County, West Virginia, in Document No. 243466, in Book No. 1547, at Page 642, Ann W. DeFronzo and Stephen J. DeFronzo and Kelly Anderson did convey unto Steptoe & Johnson, Attorneys at Law, Trustee(s), certain real property described in said Deed of Trust; and the beneficiary has elected to appoint Seneca Trustees, Inc., as Substitute Trustee by a Substitution of Trustee dated October 13, 2015 and recorded in the aforesaid Clerk’ s office; and default having been made under the aforementioned Deed of Trust, and the undersigned Substitute Trustee having been instructed by Ditech Financial LLC FKA Green Tree Servicing LLC to foreclose thereunder, will offer for sale at public auction at the front door of the Monongalia County Courthouse in Morgantown, West Virginia, on

November 20, 2015 at 1:00 PM

the following described real estate, together with its improvements, easements and appurtenances thereunto belonging, situate in Star City District, Monongalia County, West Virginia, and more particularly described as follows:

All of the following parcel of real estate, situate, lying and being in Star City, Monongalia County, being more particularly described as follows: UNIVERSITY COMMONS RIVERSIDE: UNIT NO. J (3309), BUILDING 5B: All of Unit No. J (3309), Building 5B of University Commons Riverside, as the same is shown, illustrated, and designated upon that plat of said condominium, prepared by Ronald A. Talkington, PS No. 876, Triad Engineering, Inc., dated June 26, 2006 and July 17, 2006, of record in the Office of the Clerk of the County Commission of Monongalia County, West Virginia, in Map Cabinet D, Envelopes 69B, 70A, 70B, 71A, 71B, 72A, 72B, and 73A, and as more particularly described in the Declaration of Condominium thereof, recorded in said Clerk’s office in Deed Book 1322, at Page 648, together with all appurtenances thereunto belonging, including an undivided interest in the Common Elements of the Condominium equal to a percentage calculated as the square footage of the above conveyed condominium unit divided by the total square footage of all condominium units multiplied by 100, as set forth in said Declaration of the Condominium. Being the same real estate conveyed to Stephen J. DeFronzo and Ann W. DeFronzo, husband and wife, and Kelly Anderson, by University Commons Morgantown, LLC, a Virginia limited liability company, by deed dated March 2, 2007, to be recorded prior to the recording of this deed of trust. This conveyance is made subject to all exceptions, reservations, restrictions, easements, rights of way, covenants and conditions, contained in or referred to in Grantors’ chain of title.

At the time of the execution of the Deed of Trust, this property was reported to have an address of: 3309 University Commons Dr, Star City, WV 26505.

The referenced real estate will be conveyed with no covenants of warranty, and subject to all covenants, restrictions, easements, rights of way and reservations which may be a matter of record in the aforesaid Clerk’ s Office or visible upon the ground, all prior liens and encumbrances, including, without limitation, liens for real estate taxes, incinerator, sanitary and sewer charges. The purchasers at the sale shall be responsible for paying the recording costs and also the tax on the privilege of transferring real property (the cost of the tax stamp to be affixed to the deed). The purchasers shall be responsible for payment of all real estate taxes.

The subject property will be sold in "AS IS" condition. The Substitute Trustee shall be under no duty to cause any existing tenant or person occupying the subject property to vacate said property.

TERMS: $9,000.00 in cash and/or certified funds as deposit with the balance due and payable within 30 days of the day of sale.

FEDERAL TAX LIEN: In the event that there are Federal Tax Liens against the property, the United States would have the right to redeem the property within a period of 120 days from the date of such sale or the period allowable for redemption under local law, whichever is longer.

Pursuant to the Deed of Trust, the Trustee may postpone the sale by public announcement at the time and place designated or by posting a notice of the same, and act by agent in the execution of the sale. The parties secured by the Deed of Trust reserve the right to purchase the property at such sale.

5000 Coombs Farm Drive, Suite 104
Morgantown, WV 26508
(304) 413-0044
(304) 292-2918
Toll free: (888) 534-3132
Reference File No. 32305