Banks County Public Records 07-14-10

Notice of Sale
Notice of Sale Under Power
State of Georgia
County of BANKS.
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by CORY B ALMOND AND KIMBERLY D ALMOND to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR M&T MORTGAGE CORPORATION , dated 09/26/2006, and , BANKS County, Georgia Records, as last assigned to CHASE HOME FINANCE, LLC, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $152,665.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the BANKS County Courthouse within the legal hours of sale on the first Tuesday in August, 2010, the following described property:
All that tract or parcel of land lying and being in Land Lot 207, GMD, Banks County, Georgia, containing 1.641 acres, more or less, Tract 7B, as shown on plat and survey by Ingram, Lord & Associates and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia in Plat Book D, Page 74, Banks County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.
The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CHASE HOME FINANCE, LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43219, 800-848-9136. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 600 CHAMBERS STREET, COMMERCE, GEORGIA 30530 is/are: CORY B ALMOND AND KIMBERLY D ALMOND or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.
CHASE HOME FINANCE, LLC as Attorney in Fact for CORY B ALMOND AND KIMBERLY D ALMOND.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
20100187430381
BARRETT, DAFFIN & FRAPPIER, L.L.P. 4004 Beltline, Building 2, Suite 100 Addison, Texas 75001-4417 Telephone: (972) 341-5398.
(JU7,14,21,28B/19564-70)

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Notice of Sale
Notice of Sale Under Power
Banks County
Pursuant to the Power of Sale contained in a Security Deed given by DAVID TOLAR to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for FIRST FRANKLIN a Division of National City Bank dated 8/17/2006 and recorded in Deed Book 287 Page 537, Banks County, Georgia records; as last transferred to Wells Fargo Bank, National Association, as trustee for the holders of the First Franklin Mortgage Loan Trust 2006-FF15 Mortgage Pass-Through Certificates, Series 2006-FF15 by Assignment filed for record in Banks County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 255,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in August, 2010 (August 3, 2010), the following described property:
Tract One:
All that tract or parcel of land lying and being in the 1210th District, G.M., Banks County, Georgia, and being that 7.10 acres, more or less as more particularly shown on a plat of survey prepared for David D. Tolar by Max Lewallen, Registered Surveyor dated December 12, 1994, recorded in Plat Book 19, Page 82 in the Office of the Clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description.
Tract Two:
All that tract or parcel of land lying and being in the 1210th District, G.M., Banks County, Georgia, and being that 2.00 acres, more or less as more particularly shown on a plat of survey prepared for David D. Tolar and Edna Tolar by Max Lewallen, Registered Surveyor dated January 5, 1995, recorded in Plat Book 24, Page 14 in the Office of the Clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description.
Said property is commonly known as 290 Charity Road, Homer, Georgia 30547, together with all fixtures and personal property attached to and constituting a part of said property, if any.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): David D. Tolar or tenant or tenants.
Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.
Wells Fargo Bank, National Association, as trustee for the holders of the First Franklin Mortgage Loan Trust 2006-FF15 Mortgage Pass-Through Certificates, Series 2006-FF15 as agent and Attorney in Fact for David Tolar
Aldridge Connors, LLP, 780 Johnson Ferry Road, NE, Suite 600, Atlanta, Georgia 30342, (678) 894-3400.
THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JN7,14,21,28P4)

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Notice of Sale
Notice of Sale Under Power in Deed to Secure Debt
State of Georgia
County of Banks
Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from EDWARD G. STURGILL to COMMUNITY BANK AND TRUST dated 03/22/2005, and recorded 03/24/2005, in Deed Book 255, Pages 626-629, Banks County, Georgia Deed records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in August, 2010 by CBT, a Division of SCBT, N.A. as Successor to Community Bank and Trust, as Attorney-in-Fact for Edward G. Sturgill the following described property:
All that tract or parcel of land, with improvements thereon, containing 0.87 acres, more or less, in the Bushville (208th) G.M. District of Banks County, Georgia, off U.S. Highway 441, and bounded, now or formerly, as follows: On the North by lands of Bonnie Brewer Massey; on the East by lands of Bill Chambers; on the South by U.S. Highway 441 (right-of-way 100’) and on the West by Webb’s Creek Road.
Said tract of land being more fully described according to a plat of survey by Max Lewallen, Registered Land Surveyor, dated April 13, 1981 and recorded in Plat Book 8, page 159, Banks County Public Records; said plat and the recordation thereof are by reference incorporated herein as a part of this description.
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).
The property will be sold as the property of The Aforesaid Grantors subject to the following:
(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.
To the best of the undersigned’s knowledge and belief, the party in possession is Edward G. Sturgill.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
CBT, a Division of SCBT, N.A. as Successor to Community Bank and Trust as Attorney-in-fact for Edward G. Sturgill.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
The Law Office of Chad Knott, LLLC
670 East Kytle Street
Cleveland, GA 30528
706-219-3227
File # F10-121
(JU7,14,21,28P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by JERALD S. LINGL and SANDRA ROBERTSON to HOMEBANC MORTGAGE CORPORATION, dated July 10, 2007, recorded in Deed Book 309, Page 724, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 346, Page 575, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED ELEVEN THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($211,400.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia within the legal hours of sale on the first Tuesday in August, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Jerald S. Lingl and Sandra Robertson or a tenant or tenants and said property is more commonly known as 138 Walkers Way Lane, Commerce, Georgia 30530. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP as Attorney in Fact for Jerald S. Lingl and Sandra Robertson
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ste 8/3/10
Our file no. 5206209-FT10
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, containing 2.395 acres, more or less and being Lot 7 of Athenas Way Subdivision, as more particularly shown on a Plat of survey prepared by Ingram, Lord & Associate, Registered Surveyor, recorded November 5, 2005 in Plat Book F, Page 18, in the office of the Clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description. Loan if 0024279135 planned Unit development rider this planned Unit development rider is made this 10th Day of July. MR/ste 8/3/10 Our file no. 5206209 - FT10
(JU7,14,21,28B/19698-70T1P)

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Notice of Sale
Notice of Sale Under Power in Deed to Secure Debt
State of Georgia
County of Banks
Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from RICKEY E. SHERIDAN and KATHY L. SHERIDAN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. in the original principal amount of $145,000.00 dated 11/10/2005, and recorded in Deed Book 271, Page 73, Banks County Records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of August, 2010 by CitiMortgage, Inc., as Attorney-in-Fact for Rickey E. Sheridan and Kathy L. Sheridan the following described property:
All that tract or parcel of land lying and being in the 1580 GMD of Banks County, Georgia, containing 6.729 acres, more or less, as shown on plat of survey dated December 9, 1998, by Roy A. Terrell, R.S., the same being recorded among Bank County, Georgia records in Plat Book 23, Page 157, the same being incorporated herein for a more full and adequate description.
Property known as: 1992 Rock Springs Road, Alto, GA 30510
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).
The property will be sold as the property of The Aforesaid Grantors subject to the following:
(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.
Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:
CitiMortgage, Inc.
1000 Technology Drive
O’Fallon, MO 63368
PHONE: 866-272-4749
Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.
To the best of the undersigned’s knowledge and belief, the party in possession is Rickey E. Sheridan and Kathy L. Sheridan.
CitiMortgage, Inc., as Attorney-in-fact for Rickey E. Sheridan and Kathy L. Sheridan.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
Pendergast & Associates, P.C.
South Terraces, Suite 1000
115 Perimeter Center Place
Atlanta, GA 30346
Phone – (770) 392-0398
Toll Free – (866) 999-7088
www.penderlaw.com
Our File No. 10-04764
(JU7,14,21,28B/224-50)

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Notice of Sale
Notice of Sale Under Power in Deed to Secure Debt
State of Georgia
County of Banks
Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from JANE M. HARDMAN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. in the original principal amount of $132,000.00 dated 12/19/2002, and recorded in Deed Book 214, Page 769, Banks County Records, said Security Deed being last transferred and assigned to U.S. Bank, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of August, 2010 by U.S. Bank, N.A., as Attorney-in-Fact for Jane M. Hardman the following described property:
All that tract or parcel of land lying and being in the 265th G.M.D., Banks County, Georgia, containing 15.00 acres, being more fully shown and described on a Plat of Survey dated March 26, 1992, prepared by Max Lewallen, Registered Surveyor, for Jane Hardman, recorded in Banks County, Georgia Records in Plat Book 17, at Page 60. Said plat is incorporated herein by reference for a more detailed description of said property. Said property is bounded according to said plat as follows: On the North by lands of Leon Ray; On the East by lands of Chambers, Hardman, a dirt road and property of Otis and Jimmie Ray; On the South by Co. Paved Road # 240; and on the West by lands of Brown. * Minus less and except in Deed 148/787.
Property known as: 206 Lynn Drive, Homer, GA 30547
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).
The property will be sold as the property of The Aforesaid Grantors subject to the following:
(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.
Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:
U.S. Bank, N.A.
4801 Frederica Street
Owensboro, KY 42301
PHONE: 800-365-7772
Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.
To the best of the undersigned’s knowledge and belief, the party in possession is Jane M. Hardman.
U.S. Bank, N.A., as Attorney-in-fact for Jane M. Hardman.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
Pendergast & Associates, P.C.
South Terraces, Suite 1000
115 Perimeter Center Place
Atlanta, GA 30346
Phone – (770) 392-0398
Toll Free – (866) 999-7088
www.penderlaw.com
Our File No. 10-04415
(JU7,14,21,28B/224-60)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by L.J. ARMOUR to THE GRANGE BANK, dated April 19, 2004, recorded in Deed Book 236, Page 269, Banks County, Georgia Records, as last transferred to The Huntington National Bank by assignment recorded in Deed Book 350, Page 115, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TEN THOUSAND AND 0/100 DOLLARS ($110,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia within the legal hours of sale on the first Tuesday in August, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Huntington Mortgage Corporation, 2361 Morse Road, NC1W46, Columbus, OH 43229, 888-606-8472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is L.J. Armour or a tenant or tenants and said property is more commonly known as 5456 Yonah Homer Rd., Alto, Georgia 30510. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Franklin Bank SSB as Attorney in Fact for L.J. Armour
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ks9 8/3/10
Our file no. 5466208-FT17
EXHIBIT “A”
All that tract or parcel of Land lying and being in the 912 G.M.D. of Banks County, Georgia, consisting of 0.96 acre, all as more fully shown on plat of survey by Max Lewallen, GA. Reg. No. 2067, dated June 23, 1994, recorded in Plat Book 18, Page 232, in the Office of the Clerk of Superior Court of Banks County, Georgia, said plat being referred to and incorporated herein for a more complete description Tax parcel ID: 69/28 MR/ks9 8/3/10 Our file no. 5466208 - FT17
(JU7,14,21,28B/19698-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
By virtue of the power of sale contained in that certain Georgia Security Deed & Security Agreement from APPLE PIE RIDGE PROPERTIES, LLC to BRANCH BANKING & TRUST COMPANY, dated October 26, 2009, and recorded in Deed Book 346, Page 616, Banks County, Georgia Records (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Banks County, Georgia, within the legal hours of sale on Tuesday, August 3, 2010, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments on said Note. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deeds to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.
To the best knowledge and belief of the undersigned, the Party in possession of the property is Apple Pie Ridge Properties, LLC or a tenant or tenants, and said property is more commonly known as 87 Lots in Apple Pie Ridge Subdivision, BANKS COUNTY, GEORGIA. However, please rely only on the legal description contained in this notice for the location of the property. The undersigned reserves the right to sell the property, or any part thereof, together in its entirety or in one or more parcels as determined by the undersigned in its sole discretion.
Branch Banking & Trust Company Attorney in Fact for Apple Pie Ridge Properties, LLC
Martin G. Quirk, Esq.
Quirk & Quirk, LLC
6000 Lake Forrest Drive
Suite 325
Atlanta, Georgia 30328
(404) 252-1425
EXHIBIT “A”
Legal Description
Tract One
All that tract or parcel of land lying and being in Land Lots 210 and 211 of the 448 and 1580 GMD District, Banks County, Georgia, and being the following lots of Phase 7, of Apple Ridge Properties, LLC, as per plat of record, prepared by Davidson Land Surveying, Inc. dated April 12, 2007, recorded in Plat Book F, Pages 159-161, of the Banks County, Georgia Records, said plat being incorporated herein by reference and made a part of this description.
Lot 1 containing 1.150 acres, more or less; Lot 2 containing 1.012 acres, more or less; Lot 3 containing 1.012 acres, more or less; Lot 4 containing 1.007 acres, more or less;
Lot 5 containing 1.142 acres, more or less; Lot 6 containing 1.989 acres, more or less;
Lot 7 containing 2.010 acres, more or less; Lot 8 containing 1.486 acres, more or less;
Lot 9 containing 1.001 acres, more or less; Lot 10 containing 1.000 acres, more or less;
Lot 11 containing 1.771 acres, more or less; Lot 12 containing 1.189 acres, more or less;
Lot 13 containing 1.146 acres, more or less, Lot 14 containing 1.186 acres, more or less; Lot 15 containing 1.029 acres, more or less; Lot 16 containing 1.000 acres, more or less; Lot 17 containing 1.003 acres, more or less; Lot 18 containing 1.001 acres, more or less; Lot 19 containing 1.000 acres, more or less; Lot 20 containing 1.000 acres, more or less;
Lot 21 containing 1.001 acres, more or less; Lot 22 containing 1.000 acres, more or less;
Lot 23 containing 1.001 acres, more or less; Lot 24 containing 1.033 acres, more or less; Lot 25 containing 1.000 acres, more or less; Lot 26 containing 1.137 acres, more or less;
Lot 27 containing 1.260 acres, more or less; Lot 28 containing 2.253 acres, more or less; Lot 29 containing 4.481 acres, more or less; Lot 30 containing 2.875 acres, more or less;
Lot 31 containing 2.634 acres, more or less; Lot 32 containing 3.136 acres, more or less; Lot 33 containing 3.805 acres, more or less; Lot 34 containing 2.532 acres, more or less; Lot 35 containing 2.089 acres, more or less; Lot 36 containing 1.016 acres more or less.
Less and Except:
All that tract or parcel of land lying and being in Land Lots 210 and 211 of the 448 and 1580 GMD District, Banks County, Georgia, and being the Lot 29, Phase 7, of Apple Pie Ridge Properties, LLC, as per plat of record, prepared by Davidson Land Surveying, Inc. dated January 15, 2008, and recorded in Plat Book G, pages 79-83, of the Banks County, Georgia Records as released by that certain Quit Claim Deed recorded in Deed Book 324, Page 604, Banks County, Georgia Deed Records.
Tract Two
All that tract or parcel of land lying and being in Land Lots 210 and 211 of the 10th Land District, GMD 1580, Banks County, Georgia, and being Lots 1-17 of the Apple Pie Ridge Subdivision, phase 8, as shown on that final plat of survey dated April 12, 2007, and prepared for Apple Pie Ridge Properties, LLC, by Davidson Land Surveying, Inc. (E.G. (Eddie) Davidson), Georgia Registered Land Surveyor No. 2586. A copy of said plat is recorded in Plat Book F, pages 159-161, Banks County, Georgia Plat Records for a more complete and accurate description of said property.
Less and Except:
All that tract or parcel of land lying and being in Land Lots 210 and 211 of the 10th Land District, Banks County, Georgia, and being the Lot 10, Phase 8, of Apple Pie Ridge Properties, LLC, as per plat of record, prepared by Davidson Land Surveying, Inc. dated April 12, 2007, and recorded in Plat Book F, pages 159-161, of the Banks County, Georgia Records as shown on that certain Warranty Deed dated April 21, 2009, and recorded in Deed Book 339, Page 38, Banks County, Georgia Deed Records.
Tract Three:
All that tract or parcel of land lying and being in Land Lots 210 and 211 of the 10th Land District and 1580 GMD District, Banks County, Georgia, and being the following lots of Phase 9, of Apple Ridge Properties, LLC, as per plat of record, prepared by Davidson Land Surveying, Inc. dated September 27, 2009, recorded in Plat Book G, Page 163, of the Banks County, Georgia Records, said plat being incorporated herein by reference and made a part of this legal description.
Lot 1 containing 1.682 acres, more or less; Lot 2 containing 1.083 acres, more or less; Lot 3 containing 1.337 acres, more or less; Lot 4 containing 2.555 acres, more or less;
Lot 5 containing 1.072 acres, more or less; Lot 6 containing 1.090 acres, more or less;
Lot 7 containing 1.144 acres, more or less; Lot 8 containing 1.069 acres, more or less;
Lot 9 containing 1.012 acres, more or less; Lot 10 containing 1.030 acres, more or less;
Lot 11 containing 1.045 acres, more or less; Lot 12 containing 1.567 acres, more or less;
Lot 13 containing 1.567 acres, more or less.
Tract Four:
All that tract or parcel of land lying and being in the 1580 GMD District, Banks County, Georgia, and being the following lots of Phase 9, of Apple Ridge Properties, LLC, as per plat of record, prepared by Davidson Land Surveying, Inc. dated September 14, 2009, recorded in Plat Book G, Page 164, of the Banks County, Georgia Records, said plat being incorporated herein by reference and made a part of this legal description.
Lot 1 containing 0.920 acres, more or less; Lot 2 containing 0.993 acres, more or less; Lot 3 containing 1.723 acres, more or less; Lot 4 containing 1.466 acres, more or less;
Lot 5 containing 0.986 acres, more or less; Lot 6 containing 1.003 acres, more or less;
Lot 7 containing 1.186 acres, more or less; Lot 8 containing 0.878 acres, more or less;
Lot 9 containing 0.995 acres, more or less; Lot 10 containing 1.464 acres.
Tract Five:
All that tract or parcel of land lying and being in Land Lots 210 and 211 of the 10th Land District and 1580 GMD District, Banks County, Georgia, and being the following lots of Phase 10, of Apple Ridge Properties, LLC, as per plat of record, prepared by Davidson Land Surveying, Inc. dated September 14, 2009, recorded in Plat Book G, Page 162, of the Banks County, Georgia Records, said plat being incorporated herein by reference and made a part of this legal description.
Lot 11 containing 1.289 acres, more or less; Lot 12 containing 1.188 acres, more or less;
Lot 13 containing 2.214 acres, more or less; Lot 14 containing 2.292 acres, more or less;
Lot 15 containing 3.676 acres, more or less; Lot 16 containing 4.255 acres, more or less;
Lot 17 containing 2.016 acres, more or less; Lot 18 containing 1.349 acres, more or less;
Lot 19 containing 0.784 acres, more or less; Lot 20 containing 1.394 acres, more or less;
Lot 21 containing 1.843 acres, more or less; Lot 22 containing 1.368 acres, more or less;
Lot 23 containing 1.553 acres, more or less
(JU7,14,21,28P4)

gpn11
Notice of Sale
State of Georgia, County of Banks
Notice of Sale Under Power
Because of a default in the payment of the indebtedness secured by a Security Deed executed by TIMOTHY M. KIDD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated September 24, 2008, and recorded in Deed Book 331, Page 824, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Regions Bank DBA Regions Mortgage, by Assignment, securing a Note in the original principal amount of $250,087.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, August 3, 2010, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in the 465th District, G.M., Banks County, Georgia and being that 13.54 acres, more or less, as more particularly shown on a plat of survey prepared for Charles L. Thompson by Clelland A. Tyson, Registered Surveyor, dated March 24, 1988, recorded at Plat Book 14, Page 197, in the office of the Clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description.
Less and except:
All that tract or parcel of land lying and being in the 465th District, G.M., Banks County, Georgia and being that 0.57 acres, more or less, as more particularly shown on a plat of survey prepared for Charles L. Thompson by G. Brian Slate, Registered Surveyor, dated March 26, 2002, recorded at Plat Book 27, Page 10, in the office of the Clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference of a more detailed description.
Said property is known as 220 Mintz Road, Maysville, GA 30558, together with all fixtures and personal property attached to and constituting a part of said property, if any.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.
Said property will be sold as the property of Timothy M. Kidd, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Timothy M. Kidd, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.
Regions Bank DBA Regions Mortgage as Attorney-in-Fact for Timothy M. Kidd
File no. 09-017201
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100
Atlanta, GA 30341-3941
(770)220-2535/ASR
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(JU7,14,21,28B/1323-70T1P)

gpn11
Notice of Sale
Advertisement of Sale Under Power of Sale in Deed to Secure Debt
State of Georgia
County of Banks
Under and by virtue of the power of sale contained in that certain Deed to Secure Debt (hereinafter known as the (Security Deed() from ALYSSA CANDACE VAUGHN to NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia) dated February 14, 2008 and recorded on February 19, 2008, in Deed Book 321, Pages 47-51, Banks County, Georgia Records. This Security Deed secures a Note dated February 26, 2009 in the original principal amount of $89,100.84, plus interest; there will be sold by the undersigned at public outcry to the highest and best bidder for cash before the Courthouse door at Banks County, Georgia, within the legal hours of sale on the first Tuesday in August, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land, together with all improvements thereon, lying and being in the 912th District, G.M., Banks County, Georgia, and containing 9.02 acres, more or less, as shown on a plat of survey prepared for Horace Dean Lewallen by Richard Holcomb, Registered Surveyor Number 2733, dated December 12, 2007, recorded in Plat Book 31, Page 166, in the Office of the Clerk of Superior Court of Banks County, Georgia, and incorporated herein and made a part hereof by reference for a more detailed description.
This conveyance is made subject to Protective Covenants on Warranty Deed recorded in Deed Book 118, Page 457, Banks County, Georgia Deed Records, and/or any restrictions and/or covenants of record, if any, easements of record and existing easements and right-of-way for public roads and utilities now in use.
The debt secured by the Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney(s fees. (Notice of intent to collect attorney’s fees having been given.)
Said property will be sold as the property of Alyssa Candace Vaughn and subject to the outstanding ad valorem taxes and/or assignments if any, and further subject to the outstanding balances of all liens superior to the Security Deed, if any.
To the best knowledge and belief of the undersigned, equitable title to said property is now held by Alyssa Candace Vaughn.
NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia)
By: ––, As Attorney-in-fact for: Alyssa Candace Vaughn
Marc S. Kaufman
VANDIVER & KAUFMAN, LLC
Attorneys at Law
5330 Vickery Street
Post Office Box 10
Lavonia, Georgia 30553
(706) 356-2323 office
(706) 356-3427 fax
(JU7,14,21,28P4)

gpn11
Notice of Sale
Notice of Sale Under Power
State of Georgia,
County of Banks
Under and by virtue of the power of sale contained in a Security Deed from BOBBY COOK to UNITED COMMUNTIY BANK, dated January 21, 2004, recorded February 9, 2004, in Deed Book 230, Page 856, Banks County, Georgia Records, as last modified by Modification of Security Deed dated May 22, 2009, recorded in Deed Book 341, Page 67, Banks County, Georgia records, said Security Deed being given to secure a Note from BOBBY COOK dated May 22, 2009, in the original principal amount of FORTY THOUSAND SIX HUNDRED NINETY SEVEN AND 53/100 ($40,697.53) DOLLARS, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Banks County, Georgia, within the legal hours of sale on the first Tuesday in August, 2010, the following described property:
All that tract or parcel of land lying and being in Banks County, Georgia, Golden Hills District, G.M., and located within the incorporate limits of the Town of Alto, Georgia, and bounded now or formerly by lands of B.W. Cook, William Chosewood, and Wheeler Street and being a part of the tract of land known as the J. O. Nunn Property and described as follows: Beginning at a point and road front 150 feet southeast; thence 150 feet North of Chosewood Line; thence 105 feet west on B.W. Cook line; thence 104 feet South back to the point of beginning on road, containing 16,029 Sq feet, more or less.
This is the same property acquired by Ruth Baker under the Last Will & Testament of Edd Baker, deceased, said will being probated in Banks County, Georgia.
Subject to Restrictions, reservations, Easements, covenants, Oil, Gas or mineral rights of record, if any.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is BOBBY COOK or a tenant or tenants.
UNITED COMMUNTIY BANK, as attorney in Fact for BOBBY COOK
L. Lou Allen
Stites & Harbison, PLLC
11 Mountain Street, Suite 8
Blue Ridge, Georgia 30513
(706) 632-7923
File No. 7484A-02226
(JU7,14,21,28B/16022-60T1P)