Public Notices

Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement from BOLEMAN PROPERTIES, LLC (“Grantor”) to HABERSHAM BANK (“Grantee”), dated May 5, 2005, filed and recorded May 18, 2005, in Deed Book 258, Page 711, Banks County, Georgia Records, as modified by that certain Modification Agreement dated December 20, 2007, filed and recorded December 27, 2007, in Deed Book 318, Page 224, aforesaid records, as further modified by that certain Modification Agreement dated April 25, 2008, filed and recorded May 1, 2008, in Deed Book 325, Page 223, aforesaid records, as further modified by that certain Modification Agreement dated March 30, 3009, filed and recorded April 7, 2009, in Deed Book 338, Page 483, aforesaid records (as modified, the “First Deed), and that certain Deed to Secure Debt and Security Agreement dated August 10, 2005, filed and recorded August 12, 2005, in Deed Book 263, Page 802, aforesaid records, as modified by that certain Modification Agreement dated December 20, 2007, filed and recorded December 27, 2007, in Deed Book 318, Page 224, aforesaid records, as further modified by that certain Modification Agreement dated April 25, 2008, filed and recorded May 1, 2008, in Deed Book 325, Page 223, aforesaid records, as further modified by that certain Modification Agreement dated March 30, 3009, filed and recorded April 7, 2009, in Deed Book 338, Page 483, aforesaid records (as modified, the “Second Deed”), and that certain Deed to Secure Debt and Security Agreement dated March 16, 2007, filed and recorded March 27, 2007, in Deed Book 302, Page 376, aforesaid records, as modified by that certain Modification Agreement dated December 20, 2007, filed and recorded December 27, 2007, in Deed Book 318, Page 224, aforesaid records, as further modified by that certain Modification Agreement dated April 25, 2008, filed and recorded May 1, 2008, in Deed Book 325, Page 223, aforesaid records, as further modified by that certain Modification Agreement dated March 30, 3009, filed and recorded April 7, 2009, in Deed Book 338, Page 483, aforesaid records, as further modified by that Forbearance and Modification Agreement dated March 30, 2009 (as modified, the “Third Deed”) (the First Deed, Second Deed, and Third Deed hereinafter collectively referred to as the “Security Deeds”), conveying the after-described property to secure that certain Universal Note and Security Agreement dated April 25, 2008, from Grantor payable to Grantee in the original principal amount of Three Million Six Hundred Seventy Eight Thousand Three Hundred Sixty Eight and No/100 Dollars ($3,678,368.00), with interest thereon as set forth therein (as modified and renewed, the “Note”), 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 April, 2010, the following described property:
TRACT 1
All that tract or parcel of land lying and being in the City of Lula, Banks County, Georgia, being known as the home place of the late I.K. Carter, known in the plat of said town of Belton (now known as Lula), as Block No. 31, and fronting West on Hampton Street 200 feet and running back Eastward 200 feet in uniform width and known as Dwelling House Lot.
TRACT 2
All that tract or parcel of land lying and being in G.M.D. 912, Banks County, City of Lula, Georgia, containing 25.634 acres, more or less, as depicted in a certain plat of survey for Vasco and Tracy Barrett by Roy A. Terrell, Registered Land Surveyor, sated February 6, 1974, recorded in Plat Book 7, Page 196, Banks County Deed Records, which plat is incorporated herein by reference.
LESS AND EXCEPT:
All that tract or parcel of land lying and being in the City of Lula, Banks County, Georgia, and being shown on a plat for Bobbie Barrett Moore and Michael Barrett prepared by Jimmy D. Bullock, Georgia Registered Land Surveyor No. 1765, said plat being dated October 15, 2002, and being recorded in Plat Book 27, Page 39, Banks County, Georgia Records, which plat is incorporated herein by reference.
LESS AND EXCEPT:
All that tract or parcel of land lying and being in the City of Lula, G.M.D. 912, Banks County, Georgia, being 0.538 acres, more or less, as depicted in a plat of survey for William S. and Raven Fitzpatrick, dated May 4, 2005, by GeoImage, LLC, Douglas R. Sherrill RLS No. 2995, which plat is incorporated herein by reference, and being more particularly described as follows:
Begin at a point located on the Easterly right of way of Railroad Avenue at its intersection with the Northerly right of way of Sixth Street (30 foot right of way), and from said point South 68 Degrees 36 Minutes 06 Seconds East a distance of 30.02 feet to a point located on the Northerly right of way of Sixth Street; thence North 21 Degrees 10 Minutes 26 Seconds East a distance of 11.35 feet to a point; thence South 68 Degrees 49 Minutes 34 Seconds East a distance of 27.36 feet to a point; thence on a curve to the right having a Chord bearing of South 45 Degrees 50 Minutes 44 Seconds East, Radius 105.00 feet, Arc 84.23 feet, Chord 81.99 feet; thence South 22 Degrees 51 Minutes 55 Seconds East a distance of 107.11 feet to a point; thence South 21 Degrees 00 Minutes 00 Seconds West a distance of 32.97 feet to a 2” open top pipe found; thence North 70 Degrees 15 Minutes 57 Seconds West a distance of 207.06 feet to a point located on the Easterly right of way of Railroad Avenue; thence North 21 degrees 00 Minutes 00 Seconds East a distance of 135.94 feet to the point of beginning.
TOGETHER WITH:
TRACT 3
All that tract or parcel of land lying and being in G.M.D. 912, City of Lula, Banks County, Georgia, being 36.20 acres, more or less, as per plat of survey for Mrs. Margarette Chambers, dated August 11, 2002, and recorded in Plat Book D, Page 113, Banks County, Georgia Records, which plat is incorporated herein by reference and made a part hereof.
LESS AND EXCEPT:
All that tract or parcel of land lying and being in GMD 912 of Banks County, Georgia, being Lots 1-120, Waterford Glen Subdivision, as per plat recorded in Plat Book G, Pages 39-44, Banks County, Georgia Records, which plat is incorporated herein and by this reference made a part hereof.
LESS AND EXCEPT:
All that tract or parcel of land lying and being situate in GMD 912, City of Lula, Banks County, Georgia, being identified as “City Well Tract” in that certain final subdivision plat for Waterford Glen Subdivision, recorded in Plat Book 39, Pages 39-44, Banks County, Georgia Records, which plat is incorporated herein by reference for a more particular description of the property herein conveyed. Also included in this conveyance is that certain 20-foot easement from Waterford Court to said tract as depicted in said plat of survey.
TOGETHER WITH:
All that tract or parcel of land lying and being in GMD 912 of Banks County, Georgia, being Lots 3-4, 6, 8, 10, 12, 14-27, 29-47, 49-89, 94-116, and 118-120, Waterford Glen Subdivision, as per plat recorded in Plat Book G, Pages 39-44, Banks County, Georgia Records, which plat is incorporated herein and by this reference made a part hereof.
The indebtedness secured by said Security Deeds has been and is hereby declared due and payable because of, among other possible events of default, failure to comply with the provisions of the Security Deeds. The debt remaining outstanding, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deeds and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given as provided by law).
The property will be sold for cash or certified funds and subject to any and all matters of record superior to said Security Deeds, outstanding ad valorem taxes, any matters which might be disclosed by an accurate survey and inspection of the property, zoning ordinances, restrictions, covenants, and easements against the property, if any. The sale will be conducted as set forth herein subject to (1) confirmation prior to the sale that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit prior to the sale of the status of the loan with the holder of the Security Deed.
Grantee reserves the right to sell the property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.
To the best of the undersigned’s knowledge and belief, the property consists of Lots 3-4, 6, 8, 10, 12, 14-27, 29-47, 49-89, 94-116, and 118-120 and common areas, Waterford Glen Subdivision, Banks County, Georgia, and the party in possession of the property is Boleman Properties, LLC, or its tenant or tenants.
HABERSHAM BANK, as Attorney-in-Fact for Boleman Properties, LLC
Thompson, O’Brien, Kemp & Nasuti, P.C.
40 Technology Parkway South, Suite 300
Norcross, Georgia 30092
(770) 925-0111
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MA10,17,24,31P4)

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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 FLETCHER TODD SMITH to UNITED COMMUNITY BANK, dated June 29, 2007, recorded July 16, 2007, in Deed Book 309, Page 167, Banks County, Georgia Records, as last modified by Modification of Security Deed dated February 28, 2008, recorded in Deed Book 322, Page 77, Banks County, Georgia Records, said Security Deed being given to secure a Note from FLETCHER TODD SMITH dated March 27, 2009, in the original principal amount of TWO HUNDRED EIGHTY FIVE THOUSAND TWO HUNDRED FIFTY AND 00/100 ($285,250.00) 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 April, 2010, the following described property:
All that tract or parcel of land, together with improvements thereon situate, lying and being in GMD 265, Banks County, Georgia, and being all of Tract I, comprising 85.02 acres according to a plat prepared for Ronnie Parson by G. Brian Slate, Registered Surveyor, dated June 19, 1997, recorded in Plat Book B, Page 66, of the Banks County Records, which plat is incorporated herein by reference for a more complete description of subject:
LESS AND EXCEPT the following two parcels of land: 1) all that tract or parcel of land lying and being in GMD 265, Banks County, Georgia, consisting of 4.82 acres and being all of Tract 3-C according to a plat of survey recorded in Plat Book 10, Page 10, Banks County, Georgia Deed Records, and 2) All that tract or parcel of land lying and being in GMD 265, Banks County, Georgia, consisting of 0.97 acres and being more particularly described as follows: Begin at a point located at the Northeast corner of the above described 4.82 acres; thence South 77 minutes 33 seconds East 497.7 feet to an iron pin; thence South 84 minutes 04 seconds West 530.2 feet to an iron pin; thence North 16 minutes 57 seconds West 169.90 feet to the point of beginning.
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 FLETCHER TODD SMITH or a tenant or tenants.
UNITED COMMUNITY BANK, as attorney in Fact for FLETCHER TODD SMITH
L. Lou Allen
Stites & Harbison, PLLC
11 Mountain Street, Suite 8
Blue Ridge, Georgia 30513
(706) 632-7923
File No. 7484A-01946
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MA10,17,24,31B/16022-70T1P)

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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 KIMBERLY EVANS and DANNY R. EVANS, JR. to UNITED COMMUNITY BANK, dated July 6, 2004, recorded July 7, 2004, in Deed Book 240, Page 516, Banks County, Georgia records, as last modified by Modification of Security Deed dated March 24, 2009, recorded in Deed Book 338, Page 290, Banks County, Georgia Records, said Security Deed being given to secure a Note from KIMBERLY EVANS and DANNY R. EVANS, JR. March 24, 2009 in the original principal amount of SIXTY THOUSAND NINE HUNDRED FOURTEEN AND 33/100 ($60,914.33) 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 April, 2010, the following described property:
All that tract or parcel of land lying and being in the 208th and 465th District, G.M., Banks County, Georgia, and being that 3.00 acres, more or less, designated as Lot 15 on a plat of survey prepared for James Short Subdivision by Allen L. Venable, Jr., Registered Surveyor, dated August 7, 1987 and recorded at Plat Book 13, Page 30, 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 subject to existing easements and rights of way for public roads and utilities now in use.
Included herewith is a 1999 Horton Dynasty Mobile Home VIN No. H800731GLR.
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 KIMBERLY EVANS and DANNY R. EVANS, JR. or a tenant or tenants.
UNITED COMMUNITY BANK, as attorney in Fact for KIMBERLY EVANS and DANNY R. EVANS, JR.
L. Lou Allen
Stites & Harbison, PLLC
11 Mountain Street, Suite 8
Blue Ridge, Georgia 30513
(706) 632-7923
File No. 7484A-01891
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MA10,17,24,31B/16022-60T1P)

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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 ROBIN HAYNES to UNITED COMMUNITY BANK, dated April 2, 2004, recorded April 7, 2004, in Deed Book 234, Page 246, Banks County, Georgia Records, as modified by Modification of Security Deed dated September 10, 2009, recorded in Deed Book 345, Page 356, Banks County, Georgia records, said Security Deed being given to secure a Note from ROBIN HAYNES dated September 10, 2009 in the original principal amount of THREE HUNDRED FORTY THREE THOUSAND THIRTY FIVE AND 00/100 ($343,0353.00) 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 April, 2010, the following described property:
All that tract or parcel of land lying and being in the 448th G.M.D. of Banks County, Georgia, and being known and designated as Tract 4 of High Wycombe Subdivision, Phase One, containing 3.85 acres, more or less, as shown on plat of survey prepared for Lex Burt by Kenyon L. Miller, RLS, dated November 22, 1999, recorded in Plat book 24, Page 149, Banks County, Georgia records, said plat being incorporated herein by reference for a more particular description.
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 ROBIN HAYNES or a tenant or tenants.
UNITED COMMUNITY BANK, as attorney in Fact for ROBIN HAYNES
L. Lou Allen
Stites & Harbison, PLLC
11 Mountain Street, Suite 8
Blue Ridge, Georgia 30513
(706) 632-7923
File No. 7484A-01936
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MA10,17,24,31B/16022-50T1P)

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Notice of Sale
Advertisement of Sale Under Power of Sale in Deed to Secure Debt
State of Georgia
County of Jackson
Under and by virtue of the power of sale contained in that certain Deed to Secure Debt (hereinafter known as the (Security Deed() from SHANE SORROW to NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia) dated July 19, 2006 and recorded on July 19, 2006, in Deed Book 285, Pages 624-626, Banks County, Georgia records. This Security Deed secures a Note dated October 9, 2008 in the original principal amount of $38,250.00, 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 April, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the 208 G.M.D., Banks County, Georgia, designated as Tract 1 containing 1.000 acre, more or less, as shown on plat and survey of Venable & Associates, Inc., Surveyors, dated March 22, 2006, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 30, at Page 78. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Subject to all existing easements and rights-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 Shane Sorrow 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 Shane Sorrow.
NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia)
By: __ As Attorney-in-fact for: Shane Sorrow
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
(MA10,17,24,31P4)

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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 BRUCE E. LEE and PATRICIA LEE to WELLS FARGO HOME MORTGAGE, dated April 23, 2004, recorded in Deed Book 236, Page 16, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-FOUR THOUSAND FOUR HUNDRED FORTY-EIGHT AND 0/100 DOLLARS ($84,448.00), 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 April, 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: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. 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 Bruce E. Lee and Patricia Lee or a tenant or tenants and said property is more commonly known as 1237 Fort Lamar Road, 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.
Midfirst Bank as Attorney in Fact for Bruce E. Lee and Patricia Lee
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/klm 4/6/10
Our file no. 5739410-FT5
EXHIBIT “A”
All that tract or parcel of land lying and being on the western right-of-way of County Road No. 67 in the 207th G.M. District of Banks County, Georgia, containing 5.07 acres according to a plat of survey prepared for “Agnes M. McDuffie & Sandra L. Tauares” by Clelland A. Tyson, Georgia Registered Land Surveyor, dated June 19, 1990, and recorded at Plat Book 15, Page 158, Banks County, Georgia records. Reference is made to said plat of survey for a more complete description of the property. MR/klm 4/6/10 Our file no. 5739410 - FT5
(MA10,17,24,31B/12062-60T1P)

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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 TERRY J. HAGWOOD and MARIE F. HAGWOOD to SECRETARY OF VETERANS AFFAIRS, dated July 26, 2001, recorded in Deed Book 176, Page 53, Banks County, Georgia Records, as last transferred to Deutsche Bank National Trust company FKA Bankers Trust Company of California, National Association by assignment recorded in Deed Book 192, Page 18, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-FOUR THOUSAND AND 0/100 DOLLARS ($84,000.00), 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 April, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Terry J. Hagwood and Marie F. Hagwood or a tenant or tenants and said property is more commonly known as 129 Ridgeway Terrace, Maysville, Georgia 30558. 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.
Deutsche Bank National Trust company FKA Bankers Trust Company of California, National Association as Attorney in Fact for Terry J. Hagwood and Marie F. Hagwood
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/lw9 4/6/10
Our file no. 51594905-FT11
EXHIBIT “A”
All that tract or parcel of land situate, lying and being in the 465th District, G.M. Banks County, Georgia, designated as Lot No. 17 of Ridgeway Hills, Section I, encompassing 1.00 acre, more or less, as shown on a plat of survey entitled “Survey for David C. Farman & Marissa L. Farman”, prepared by Slate & Associates, Inc., certified by G. Brian Slate, Georgia Registered Surveyor No. 2629, dated August 4, 1997, and being of record in the Office of the Clerk of the Superior Court for Banks County, Georgia in Plat Book 22, Page 54, which said plat and the record thereof are by reference incorporated herein for a more complete and detailed description. MR/lw9 4/6/10 Our file no. 51594905 - FT11
(MA10,17,24,31B/12062-70T1P)

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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 TIMOTHY EERENBERG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. As nominee for SUNTRUST MORTGAGE, INC., dated April 6, 2005, recorded in Deed Book 256, Page 609, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND NINE HUNDRED EIGHT AND 0/100 DOLLARS ($126,908.00), 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 April, 2010, the following described property:
All that tract or parcel of land lying and being Tract I in the Township of Lula (formerly Belton), Poplar Springs Militia District, Banks County, Georgia, and comprising 0.58 acres as shown on a plat of survey for Brenda Stephens by Patton-Patton, Inc., Registered Land Surveyors, dated August 12, 1998, recorded on Plat Slide 23, Page 79, Banks County, Georgia Plat records. Reference to said plat and the record thereof is hereby made for a more complete description of said property. 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).
SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Timothy Eerenberg or a tenant or tenants and said property is more commonly known as 270 Railroad Avenue, Lula, Georgia 30554. 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.
SunTrust Mortgage, Inc as Attorney in Fact for Timothy Eerenberg
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/cs3 4/6/10
Our file no. 1895009-FT3
(MA10,17,24,31B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by BILLY NIX and KATIE M. NIX to BENEFICIAL MORTGAGE CO. OF GEORGIA dated January 29, 1999, in the amount of $56,004.45, and recorded in Deed Book 140, Page 94, Banks County, Georgia Records, as last transferred to Beneficial Mortgage Co. of Georgia by assignment, the undersigned, Beneficial Mortgage Co. of Georgia pursuant to said deed and the 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 in April, 2010 , during the legal hours of sale, at the Courthouse door in Banks 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 1206 (Wilmont) District, G.M. Banks County, Georgia, and partially lying and being in the 1686th G.M. District of Franklin County, Georgia, containing 22.04 acres, more or less, as shown on a plat prepared for Billy C. Nix by Max Lewallen, Surveyor, dated April 20, 1978, which plat is recorded in Plat Book 13, Page 47, Banks County, Georgia, Records. Reference is hereby made to said plat as recorded for a more detailed description of the property herein conveyed. Subject to roadway as shown on the above described plat. Said property is bounded on the North by Lands of Faulkner, on the West by Lands of Patterson, and on the South by Lands of McDaniel and on the East by road. LESS AND EXCEPT: All that tract or parcel of land lying and being in GMD 1206, Banks County, Georgia, as shown and delineated as 2.15 acres, more or less, on plat of survey for James T. Seagraves and Denise N. Seagraves by Max Lewallen dated December 21, 1989 and being more particularly described as follows: Beginning at a point on the center line of County Dirt Road #207, said point being 1489 Feet South, as measured along said center line, from the intersection of said centerline and the Southern R/W of Cedar Ridge Road; thence running South 07 Degrees 02 Minutes West along said centerline, a distance of 20.00 Feet, to a point; thence running North 88 Degrees 28 Minutes West, a distance of 210.0 Feet to an iron pin; thence running South 33 Degrees 56 Minutes West, a distance of 192.6 Feet, to an iron pin; thence running South 76 Degrees 45 Minutes West a distance of 195.6 Feet, to an iron pin; thence running North 02 Degrees 32 Minutes West a distance of 100.0 Feet; to an iron pin; thence running North 15 Degrees 47 Minutes East, a distance of 261.9 Feet, to an iron pin; thence running North 71 Degrees 03 Minutes East, a distance f 261.9 Feet, to an iron pin; thence running South 04 Degrees 25 Minutes West, a distance of 210.3 Feet, to an iron pin; thence running South 86 Degrees 28 Minute East, a distance of 210.0 Feet, to a point on the center line of County Dirt Road #207, the Place or Point of Beginning. LESS AND EXCEPT: All that tract or parcel of land lying an being in Franklin County, Georgia, which was conveyed to David W. Van Winkle by Billy Charles Nix recorded in Book 284, at Page 592 and containing .21 acres, more or less, as shown in Plat Book 18, Page 142, reference is hereby made to said plat for a more detailed description. LESS AND EXCEPT: All that tract or parcel of land lying and being in the 1206th GMD of Banks County, Georgia, containing 1.0 acres, more or less, as shown on Plat of Survey for Billy C. Nix by Max Lewallen RLS, dated July 28 1995 and being recorded among Banks County, Georgia Records in Plat Book 20, Page 30, reference to said plat is being made for a more full and complete description. LESS AND EXCEPT: All that tract or parcel of land lying and being in 1206 and 1686 GMD of Banks and Franklin Counties, Georgia, and containing 3.00 acres, more or less, as shown on Plat of Survey prepared by Max Lewallen, RLS, dated June 20, 1985 and recorded among Banks County, Georgia Records in Plat Book 20, Page 4, reference to said plat is being made for a more full and complete description. LESS AND EXCEP: All that tract or parcel of land lying and being in the 1206th GMD of Banks County, Georgia, and being designated as Tract One, containing 1.00 acre, more or less, and Tract 2, containing 5.00 acres, more or less, as shown on plat of survey prepared by Max Lewallen, RLS, dated August 22, 1995, and recorded among Banks County, Georgia, Records in Plat Book 21, Page 35, reference to said plat is being made for a more full and complete description. LESS AND EXCEPT: All that tract or parcel of land lying and being in the 1206 G.M.D. of Banks County, Georgia, containing 3.0 acres, more or less, and shown on plat of survey prepared by Max Lewallen, R.S., dated June 11, 1996 and recorded among Banks County, Georgia Records in Plat Book 21, Page 81, said plat being incorporated herein by reference for a more full and complete description.
which has the property address of 2125 Westbrook Road, Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Billy Nix and Katie M. Nix and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Beneficial Mortgage Co. of Georgia Attorney in Fact for Billy Nix and Katie M. Nix
Anthony DeMarlo, Attorney/efisher
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 10-02993 /CONV
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MA10,17,24,31B/1325-120)

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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 JOHNNY D. SMITH to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. in the original principal amount of $135,200.00 dated 12/17/2004, and recorded in Deed Book 250, Page 155, 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 April, 2010, by CitiMortgage, Inc., as Attorney-in-Fact for Johnny D. Smith the following described property:
All that tract or parcel of land together with improvements thereon lying and being in 265th and 912th GMD, Banks County, Georgia, being known as Lot 2 of Jackson Farms Subdivision, containing 5.00 acres, more or less, as shown on a plat of survey prepared for William C. Jackson and Carole G. Jackson by Barry D. Lord, RLS, dated December 29, 2000, recorded in Plat Book CC, page 123 of the Banks County, Georgia Deeds Records, said plat and the recorded thereof is incorporated herein and made a part hereof for a more and complete description.
Property known as: 2167 Yonah Homer Road, Lula, GA 30554
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 Johnny D. Smith.
CitiMortgage, Inc., as Attorney-in-fact for Johnny D. Smith.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
Pendergast & Jones, 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. 09-7573
(MA10,17,25,31B/224-50)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of a default in the payment of the indebtedness secured by a Security Deed executed by THOMAS KEITH MAINES to REGIONS BANK DBA REGIONS MORTGAGE, dated November 30, 2006, and recorded in Deed Book 294, Page 124, Banks County Records, securing a Note in the original principal amount of $129,100.00, 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, April 6, 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 lot, tract or parcel of land, together with improvements thereon, lying and being in the Golden Hill District (GMD 448) of Banks County, Georgia, containing 2.07 acres and being all of Lot 4, as more particularly shown on a plat of survey prepared for David Hunt by David L. Ringo, Sr., Georgia Registered Land Surveyor No. 2250. Ringo & Sadler, dated April 23, 2002, revised May 20, 2003, a copy of said plat being of record in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Plat Book 27, Page 154, which plat is hereto incorporated by reference for a more complete description of said property.
Said property is known as 374 Shubert Lane, Lula, GA 30554, 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 Thomas Keith Maines, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Thomas Keith Maines, 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 Thomas Keith Maines
File no. 09-019974
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]
(MA10,17,24,31B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power in Security Deed
State of Georgia
County of Banks
Under and by virtue of the Power of Sale contained in the Revolving Credit Security Deed from DAVID PATTON and STEFANIE PATTON to MUTUAL SAVINGS CREDIT UNION, dated August 4, 2005, and recorded in Deed Book 264, Pages 256-260, in the offices of the Clerk of the Superior Court of Banks County, Georgia (the “Security Deed”), and pursuant to that certain Consent Order entered December 1, 2009 in Chapter 7 Case No. 09-24087-reb, United States Bankruptcy Court, Northern District of Georgia, Gainesville Division, the undersigned will sell at public outcry to the highest and best bidder for cash before the door of the Courthouse of Banks County, Georgia, during the legal hours of sale, on the first Tuesday in April, 2010, the following described real property, to wit:
All that tract or parcel of land lying and being in the 465 G.M.D., Banks County, Georgia, designated as Lot 65B of Oak Ridge Subdivision, as shown on plat of survey of Farley-Collins Associates, dated July 10, 1997, recorded in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Plat Book 22, Page 62. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Subject to existing easements and rights of way for public roads and utilities now in use.
The debt secured by the Security Deed is evidenced by an Open End Home Equity Credit Agreement and Truth in Lending Disclosure from David Patton and Stefanie Patton to Mutual Savings Credit Union, as modified by Home Equity Advance Voucher dated March 31, 2008 from David Patton and Stefanie Patton to Mutual Savings Credit Union in the original principal amount of $35,000.00 (as modified, the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.
Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.
The above-described real property will be sold to the highest and best bidder for cash as the property of David Patton and Stefanie Patton, the proceeds to be applied to the payment of said indebtedness, attorneys’ fees, and the lawful expenses of said sale, all as provided in the Note and Security Deed. The sale shall be subject to the following: Security Deed dated August 4, 2005, recorded in Deed Book 264, page 243, Banks County, Georgia records, as last assigned to The Bank of New York Mellon; all outstanding ad valorem taxes and/or assessments, if any; possible redemptive rights of the Internal Revenue Service, if any; and all prior assessments, easements, restrictions or matters of record.
To the best of the undersigned’s knowledge and belief, the real property is presently owned by David Patton and Stefanie Patton.
To the best of the undersigned’s knowledge and belief, the party in possession of the real property is David Patton and Stefanie Patton, and tenants holding under them.
Mutual Savings Credit Union, as Attorney-in-Fact for David Patton and Stefanie Patton.
M. Todd Westfall, Esquire
Howick, Westfall, McBryan & Kaplan, LLP
Suite 600, One Tower Creek
3101 Towercreek Parkway
Atlanta, Georgia 30339
(678) 384-7005
(MA10,17,24,31P4)

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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 KEVIN LEE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated April 13, 2007, recorded in Deed Book 303, Page 820, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 347, Page 291, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY-THREE THOUSAND AND 0/100 DOLLARS ($93,000.00), 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 April, 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: SunTrust Mortgage, Inc., 1001 Semmes Avenue, Richmond, VA 23224, 866-384-0903. 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 Kevin Lee or a tenant or tenants and said property is more commonly known as 721 Duncan Road, 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.
SunTrust Mortgage, Inc. as Attorney in Fact for Kevin Lee
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jas 4/6/10
Our file no. 53206609-FT2
EXHIBIT “A”
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 207th District, G.M., Banks County, Georgia designated as Lot 46B, containing 3.265 acres, more or less, as shown by plat and survey for Mark Montgomery, prepared by Slate & Assoc., Inc., certified by G. Brian Slate, GRLS No. 2529, dated February 7, 1996 as recorded in Plat Book 20, Page 131, Banks County, Georgia Records; which plat and the recording thereof are hereby incorporated herein by reference for a more detailed description of the property.
MR/jas 4/6/10 Our file no. 53206609 - FT2
(MA10,17,24,31B/12062-60T1P)

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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 JACKIE LEE BEATY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated April 2, 2008, recorded in Deed Book 324, Page 508, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIFTY-FIVE THOUSAND SIX HUNDRED TWENTY-SEVEN AND 0/100 DOLLARS ($55,627.00), 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 April, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Jackie Lee Beaty or a tenant or tenants and said property is more commonly known as 223 New Image Drive, Lula, Georgia 30554. 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 Jackie Lee Beaty
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/lw9 4/6/10
Our file no. 53410-FT11
EXHIBIT “A”
All that tract or parcel of land, together with improvements thereon, lying and being in GMD 912, Banks County, Georgia being Lot 10, New Image Subdivision according to Plat recorded in Plat Book 22, Page 48, Banks County, Georgia Deed Records. Said plat and the description contained therein is incorporated herein for a more full and complete description. Also conveyed herewith is a 1998 Horton Echo manufactured Home, Serial Number H139953GL&R, which is permanently attached to and made a part of the real property. Subject to all covenants, conditions, restrictions, easements, reservations, and rights of way of record. MR/lw9 4/6/10 Our file no. 53410 - FT11
(MA10,17,24,31B/12062-70T1P) [Full Story »] 

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Simmons
Estate
Notice to Debtors
and Creditors
All creditors of the Estate of RUBY SIMMONS, deceased, late of Banks County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 1st day of February, 2010.
Martha A. Turner
Executor/Administrator
149 Simmemon Rd.
Alto, GA 30510
(FE10,17,24MA3P4)

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Irvin Estate
Probate Court
of Banks County
Notice
(For Discharge from Office and all Liability)
Re: Petition of BILLIE A. HERRIN & JO BETH LAWSON for Discharge as Executrixes of the Estate of JOHN FRANKLIN IRVIN, deceased.
BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objections. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.
Betty Thomas
Probate Judge
By: Kathy Hill
Probate Clerk/Deputy Clerk
Banks-County Probate Court
144 Yonah-Homer Rd.
Suite 7
Homer, GA 30547
706-677-6250
(MA3B/071-20)

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Name Change
Notice of Name Change
Civil Action File No. 10CV-103B
PLEASE TAKE NOTICE that on the 24th day of February, 2010, Evelyn R. Crane filed a Petition in the Superior Court of Banks County, Georgia, seeking a name change from EVELYN R. CRANE to EVELYN R. SIMS. Any interested or affected party has the right to appear and file objection. At the expiration of thirty (30) days from the filing of the Petition, upon proof of publication, and if no objection is filed, the Court shall proceed to hear and determine all matters raised by said Petition.
By: Tim Harper
Clerk of Superior Court
Banks County, Georgia
489 Gene Crane Rd.
Maysville, Georgia 30558
(706) 652-2891
(MA3,10,17,24P4)

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Martin Estates
Georgia, Banks County
Probate Court
Notice
To: LESLIE KAYE MORRIS has petitioned for Administrator to be appointed Administrator of the estate of BEVERLY LOIS MARTIN AND GUYTRELL HENRY MARTIN JR., deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-232.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before March 22, 2010. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.
Betty Thomas
Probate Judge
By: Kathy Hill
Probate Clerk/Deputy Clerk
144 Yonah Homer Road
Suite 7
Homer, GA 30547
706-677-6250
(FE24,MA3,10,17P4)

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Estes Estate
Notice to
Debtors and Creditors
All creditors of the Estate of EUGENIA SMITH ESTES, deceased, late of Banks County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 22nd day of February, 2010.
Egbert W. Estes
Executor/Administrator
125 Classic Overlook
Homer, GA 30547
(MA3,10,17,24P4)

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Mabry Estate
Notice to Debtors
and Creditors
All creditors of the Estate of ELBERT C. MABRY, deceased, late of Banks County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment.
This 23 day of February, 2010.
Sarah Nell Mabry
Personal Representative
22 Homer Street
Maysville, Georgia 30558
(706) 652-2536
Attorney: Gary N. Freeman
P.O. Box 10
Maysville, GA 30558
706-652-2928
(MA3,10,17,24P4)

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Dissolve
a Corporation
Notice of Intent to
Voluntarily Dissolve
a Corporation
Notice is given that a notice of intent to dissolve MITCH WHITFIELD CO., INC., a Georgia Professional Corporation, with its registered office at 1355 Scales Creek Road, Homer, GA 30547, will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. This notice is given in accordance with O.C.G.A. 14-2-1403.1.
(MA3,10P2)

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Inc. Notice
Notice is given that Articles of Incorporation which will incorporate PAWSITIVE STRIDES, INC. have been delivered to the Secretary of State for filing in accordance with the Georgia Non-Profit Corporation Code.
The initial registered office of the corporation is located at 2250 Highway 98, Maysville, GA 30558 in Banks County and its initial registered agent at such address is Susan K. Dye.
(MA3,10P2)

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 MICHAEL N. BROWN to NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia), dated March 17, 2008 and recorded on March 19, 2008 in Deed Book 322, Pages 569-571, as re-recorded in Deed Book 323, Pages 568-570, Banks County, Georgia records. This Security Deed secures a Note dated March 23, 2009 in the original principal amount of $133,674.00, plus interest; said Note is further collateralized by UCC Financing Statement recorded in Deed Book 323, Pages 192-193 and filed under Seq. No. 00608071, Banks County, Georgia Records, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the City of Homer, 265th District, G.M., Banks County, Georgia, and being that 0.926 acres, more or less, designated as Lot 9, on a plat of survey for Cannon Creek Subdivision prepared by Davidson Land Surveying, Inc., Registered Surveyor, dated December 5, 2007, recorded in Plat Book G, Page 65, 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.
Together with all building materials, equipment, and fixtures as purchased for use on the projects located at: 170 Thompson Street, Homer, GA 30547, Cannon Creek Subdivision Lot #9, whether any of the foregoing is owned now or acquired later; all accessions, additional, replacements, and substitutions relating to any of the foregoing; all records of any kind relating to any of the foregoing; all proceeds relating to any of the foregoing (including insurance, general intangibles and accounts proceeds).
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 attorneys fees having been given.)
Said property will be sold as the property of Michael N. Brown 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 Michael N. Brown.
NORTHEAST GEORGIA BANK
(f/k/a Freedom Bank of Georgia)
By: __ As Attorney-in-fact for: Michael N. Brown
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
(FE3,10,17,24P4)

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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 With Power of Sale (hereinafter known as the (Security Deed() from PERRY E. MCDONALD, SR. A/K/A PERRY E. MCDONALD AND MARGARET CAROLE MCDONALD A/K/A CAROLE M. MCDONALD to NORTHEAST GEORGIA BANK, dated November 12, 2008 and recorded on November 13, 2008 in Deed Book 333, Pages 223-226, Banks County, Georgia records. This Security Deed secures a Note dated November 12, 2008 in the original principal amount of $132,525.13, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 20.963 acres, more or less, designated as Tract 1, on a plat of survey prepared for Perry McDonald, Sr., Alice Bullock, Eric McDonald & Harrison McDonald by Max Lewallen, Registered Surveyor, dated December 27, 2002, recorded in Plat Book D, Page 125, 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 207th 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 Perry E. McDonald, Sr. & Margaret C. McDonald by Max Lewallen, Registered Surveyor, dated November 29, 2006, recorded in Plat Book 30, Page 171, 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 207th District, G.M., Banks County, Georgia, and being that 1.00 acres, more or less, designated as Tract No. 3; and that 1.900 acres, more or less, designated as Tract No. 4, on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
ALSO: All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 0.50 acres, more or less, designated as Tract No. 1; on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
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 attorneys fees having been given.)
Said property will be sold as the property of Perry E. McDonald and Carole M. McDonald 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 Perry E. McDonald and Carole M. McDonald.
NORTHEAST GEORGIA BANK As Attorney-in-fact for: Perry E. McDonald and Carole M. McDonald
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
(FE3,10,17,24P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in that certain Real Estate Deed to Secure Debt from RONALD F. RAFALA and ALICIA S. RAFALA (“Grantors”) to PINNACLE BANK (“Grantee”), dated June 16, 2005, recorded July 11, 2005, in Deed Book 261, Page 275, Banks County, Georgia Records, as modified by that certain Modification of Deed to Secure Debt dated June 23, 2005, recorded November 17, 2005, in Deed Book 270, Page 729, aforesaid records (as modified, the “Security Deed”), conveying the after-described property to secure that certain Commercial Promissory Note dated June 23, 2005, from Grantors payables to Grantee in the original principal amount of THREE HUNDRED FIFTY NINE THOUSAND AND NO/100 DOLLARS ($359,000.00), with interest thereon as set forth therein (the “Note”), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the 265th District, G.M., Banks County, Georgia, and being that 6.00 acres, more or less, designated as Tract 2; and that 13.90 acres, more or less, designated as Tract 3, as more particularly shown on a plat of survey prepared for Charles & Carolyn Dowdy by Venable & Associates, Inc., Registered Surveyor, dated March 13, 1990, recorded in Plat Book 15, Page 130, 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.
The indebtedness secured by said Security Deeds has been and is hereby declared due and payable because of, among other possible events of default, failure to comply with the provisions of the Security Deeds. The debt remaining outstanding, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deeds and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given as provided by law).
The property will be sold for cash or certified funds and subject to any and all matters of record superior to said Security Deeds, outstanding ad valorem taxes, any matters which might be disclosed by an accurate survey and inspection of the property, zoning ordinances, restrictions, covenants, and easements against the property, if any. The sale will be conducted as set forth herein subject to (1) confirmation prior to the sale that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit prior to the sale of the status of the loan with the holder of the Security Deed.
Grantee reserves the right to sell the property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.
To the best of the undersigned’s knowledge and belief, the property is located at 723 Yonah Homer Road, Homer, Banks County, Georgia, and the parties in possession of the property are Ronald F. Rafala and Alicia S. Rafala, or their tenant or tenants.
PINNACLE BANK, as Attorney-in-Fact for Ronald F. Rafala and Alicia S. Rafala
Thompson, O’Brien, Kemp & Nasuti, P.C.
40 Technology Parkway South, Suite 300
Norcross, Georgia 30092
(770) 925-0111
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24P4)

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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 MICHAEL D. GRAGG and LARYSSA L. GRAGG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 11, 2009, recorded in Deed Book 344, Page 724, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND NINE HUNDRED EIGHTY-EIGHT AND 0/100 DOLLARS ($140,988.00), 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 March, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Michael D. Gragg and Laryssa L. Gragg or a tenant or tenants and said property is more commonly known as 601 McCoy Bridge Rd., Homer, Georgia 30547.
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 Michael D. Gragg and Laryssa L. Gragg
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/lw9 3/2/10 Our file no. 53891809-FT11
EXHIBIT “A”
The land referred to herein below is situated in the County of Banks, State of Georgia and is described as follows: All that tract or parcel of land together with improvements thereon, lying and being in the 265 GMD City of Homer, Banks County, Georgia, containing 2.05 acres, as shown on plat of survey for Janice Freeman by G. Brian Slate, RLS dated December 18, 2002 recorded in Plat Book 27, Page 80, in the Office of the Clerk of Superior Court of Banks County, Georgia which said plat is incorporated herein by reference and made a part of this description. Being a portion of the property conveyed to Janice Ann Dalton Freeman by virtue of a deed of gift from Vera M Dalton to Janice Ann Dalton Freeman dated August 3, 1998 recorded in Deed Book 132, Page 450, Banks County Records. Parcel ID B51032B Commonly known as 601 McCoy Bridge Road, Homer GA 30547 MR/lw9 3/2/10 Our file no. 53891809 - FT11
(FE3,10,17,24B/12062-70T1P)

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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 KEITH BARKLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated August 31, 2005, recorded in Deed Book 267, Page 205, Banks County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETEEN THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($119,100.00), 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 March, 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: Chase Home Finance LLC, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. 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 Keith Barkley or a tenant or tenants and said property is more commonly known as 132 Buckeye Point, 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. Chase Home Finance LLC as Attorney in Fact for Keith Barkley McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/kb4 3/2/10 Our file no. 53526509-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th GMD of Banks County, Georgia, being Lot 2D, containing 1.021 acres, more or less, as per plat of survey for Buckeye Trails Subdivision, prepared by Cornerstone Land Surveying, Georgia Registered Surveyors, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 26, Page 116. Said plat as recorded, is hereby referenced for a more detailed description of said property. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. MR/kb4 3/2/10 Our file no. 53526509 - FT14
(FE3,10,17,24B/12062-60T1P)

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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 JAMES EDDIE BAKER, SR. to SUNTRUST BANK, dated March 19, 2001, recorded in Deed Book 171, Page 850, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 171, Page 866, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND AND 0/100 DOLLARS ($140,000.00), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the GMD 912th Banks County, Georgia, consisting of 1.68 acres, more or less, and being more particularly described according to a plat of survey prepared by Max Lewallen, Registered Surveyor, dated February 19, 1987, and recorded in Plat Book 21, Page 194, Banks County, Georgia Records. Reference to said plat and the recording thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is James E. Baker or a tenant or tenants and said property is more commonly known as 4341 Hwy. 51 S., Lula, Georgia 30554.
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.
SunTrust Mortgage, Inc. as Attorney in Fact for James Eddie Baker, Sr.
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/hq1 3/2/10 Our file no. 1346907-FT3
(FE3,10,17,24B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of a default in the payment of the indebtedness secured by a Security Deed executed by DAVID PATTON and STEFANIE PATTON to MUTUAL SAVINGS CREDIT UNION, dated August 4, 2005, and recorded in Deed Book 264, Page 243, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3, by Assignment securing a Note in the original principal amount of $134,400.00, 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, March 2, 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 465 G.M.D., Banks County, Georgia, designated as Lot 65B of Oak Ridge Subdivision, as shown on plat of survey of Farley-Collins Associates, dated July 10, 1997, recorded in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Plat Book 22, Page 62. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Existing easements and rights of way for public roads subject to and utilities now in use.
Said property is known as 157 Bel Air Drive, 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 David Patton and Stefanie Patton, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of David Patton and Stefanie Patton, 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.
The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3 as Attorney-in-Fact for David Patton and Stefanie Patton
File no. 09-018892
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100
Atlanta, GA 30341-3941
(770)220-2535/HP
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(FE3,10,17,24B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by TIFFANY DAWN HAGGARD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated June 5, 2006, in the amount of $347,000.00, and recorded in Deed Book 283, Page 598, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in March, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 207th District, G.M., Banks County, Georgia, and being that 2.046 acres, more or less, designated as Tract 2, as more particularly shown on a plat of survey prepared for Ruth Chambers by Woods and Chastain Surveyors, Inc., Registered Surveyor, dated November 9, 2000, recorded at Plat Book D, Page 42, 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.
which has the property address of 510 Chambers Rd., Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Tiffany Dawn Haggard and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Tiffany Dawn Haggard
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-25720 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24B/1325-50)

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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 VERONICA D. KELLEY and JAMES PATRICK KELLEY, SR. to NATIONPOINT, a Division of National City Bank, dated November 24, 2006, recorded in Deed Book 293, Page 781, Banks County, Georgia Records, as last transferred to U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SIX THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($76,850.00), 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 March, 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: Home Loan Services, Inc., 150 Allegheny Center-ICD PA9-150-02-50, Pittsburgh, PA 15212, 800-622-5035. 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 Veronica D. Kelley or a tenant or tenants and said property is more commonly known as 541 Garland White Road, 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. U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 as Attorney in Fact for Veronica D. Kelley and James Patrick Kelley, Sr.
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/sj4 3/2/10
Our file no. 554510-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 448th GMD, Banks County, Georgia, containing 0.287 acres, more or less, as shown on plat of survey prepared for William W. Purdy, Jr. by Roy A. Terrell, RLS, dated April 5, 1996 and recorded in Plat Book 22, Page 200, Banks County, Georgia records, to which plat reference is made for a more detailed description. MR/sj4 3/2/10 Our file no. 554510 - FT1
(FE3,10,17,24B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WILLIAM STACEY STANDRIDGE and MELISSA MARTIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for THE CIT GROUP/CONSUMER FINANCE, INC., dated January 20, 2006, and recorded in Deed Book 274, Page 850, Banks County, Georgia Records, as last transferred to HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates by Assignment to be filed for record in Banks County, Georgia records, conveying the after-described property to secure a Note of even date in the original principal amount of $120,000.00, 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 March, 2010, to wit: March 2, 2010, the following described property:
All that tract or parcel of land lying and being in the 448th, G.M.D., Banks County, Georgia, CONTAINING 2.00 ACRES, more or less, lying on Wynn Lake Road, as more fully shown and described on a Plat of Survey dated August 15, 2001, prepared by James Robert Cheatham, Georgia Registered Land Surveyor No. 1525, for Melissa Martin, recorded in Plat Book 26, Page 54, Public Records of Banks County, Georgia. Said plat is incorporated herein by reference for a more detailed description of said property.
This is the same property as conveyed by Warranty Deed (Joint Tenancy with Survivorship) from Melissa Martin to Melissa Martin and William Stacey Standridge, dated September 14, 2001, and recorded in Deed Book 179, Pages 216-217, Banks County Records.
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. 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 Deed to Secure Debt 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 known as 1718 Wynn Lake Road, Alto, GA 30510 is (are): William Stacey Standridge and Melissa Martin 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) 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; (2) O.C.G.A. Section 9-13-172.1; and (3) 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.
HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates as attorney in fact for William Stacey Standridge and Melissa Martin
Richard B. Maner, P.C.
5775 Glenridge Drive
Building D, Suite 100
Atlanta, GA 30328
(404)252-6385
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
FC09-894
(FE3,10,17,24P4)
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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 MICHAEL N. BROWN to NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia), dated March 17, 2008 and recorded on March 19, 2008 in Deed Book 322, Pages 569-571, as re-recorded in Deed Book 323, Pages 568-570, Banks County, Georgia records. This Security Deed secures a Note dated March 23, 2009 in the original principal amount of $133,674.00, plus interest; said Note is further collateralized by UCC Financing Statement recorded in Deed Book 323, Pages 192-193 and filed under Seq. No. 00608071, Banks County, Georgia Records, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the City of Homer, 265th District, G.M., Banks County, Georgia, and being that 0.926 acres, more or less, designated as Lot 9, on a plat of survey for Cannon Creek Subdivision prepared by Davidson Land Surveying, Inc., Registered Surveyor, dated December 5, 2007, recorded in Plat Book G, Page 65, 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.
Together with all building materials, equipment, and fixtures as purchased for use on the projects located at: 170 Thompson Street, Homer, GA 30547, Cannon Creek Subdivision Lot #9, whether any of the foregoing is owned now or acquired later; all accessions, additional, replacements, and substitutions relating to any of the foregoing; all records of any kind relating to any of the foregoing; all proceeds relating to any of the foregoing (including insurance, general intangibles and accounts proceeds).
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 attorneys fees having been given.)
Said property will be sold as the property of Michael N. Brown 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 Michael N. Brown.
NORTHEAST GEORGIA BANK
(f/k/a Freedom Bank of Georgia)
By: __ As Attorney-in-fact for: Michael N. Brown
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
(FE3,10,17,24P4)

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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 With Power of Sale (hereinafter known as the (Security Deed() from PERRY E. MCDONALD, SR. A/K/A PERRY E. MCDONALD AND MARGARET CAROLE MCDONALD A/K/A CAROLE M. MCDONALD to NORTHEAST GEORGIA BANK, dated November 12, 2008 and recorded on November 13, 2008 in Deed Book 333, Pages 223-226, Banks County, Georgia records. This Security Deed secures a Note dated November 12, 2008 in the original principal amount of $132,525.13, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 20.963 acres, more or less, designated as Tract 1, on a plat of survey prepared for Perry McDonald, Sr., Alice Bullock, Eric McDonald & Harrison McDonald by Max Lewallen, Registered Surveyor, dated December 27, 2002, recorded in Plat Book D, Page 125, 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 207th 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 Perry E. McDonald, Sr. & Margaret C. McDonald by Max Lewallen, Registered Surveyor, dated November 29, 2006, recorded in Plat Book 30, Page 171, 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 207th District, G.M., Banks County, Georgia, and being that 1.00 acres, more or less, designated as Tract No. 3; and that 1.900 acres, more or less, designated as Tract No. 4, on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
ALSO: All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 0.50 acres, more or less, designated as Tract No. 1; on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
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 attorneys fees having been given.)
Said property will be sold as the property of Perry E. McDonald and Carole M. McDonald 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 Perry E. McDonald and Carole M. McDonald.
NORTHEAST GEORGIA BANK As Attorney-in-fact for: Perry E. McDonald and Carole M. McDonald
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
(FE3,10,17,24P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in that certain Real Estate Deed to Secure Debt from RONALD F. RAFALA and ALICIA S. RAFALA (“Grantors”) to PINNACLE BANK (“Grantee”), dated June 16, 2005, recorded July 11, 2005, in Deed Book 261, Page 275, Banks County, Georgia Records, as modified by that certain Modification of Deed to Secure Debt dated June 23, 2005, recorded November 17, 2005, in Deed Book 270, Page 729, aforesaid records (as modified, the “Security Deed”), conveying the after-described property to secure that certain Commercial Promissory Note dated June 23, 2005, from Grantors payables to Grantee in the original principal amount of THREE HUNDRED FIFTY NINE THOUSAND AND NO/100 DOLLARS ($359,000.00), with interest thereon as set forth therein (the “Note”), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the 265th District, G.M., Banks County, Georgia, and being that 6.00 acres, more or less, designated as Tract 2; and that 13.90 acres, more or less, designated as Tract 3, as more particularly shown on a plat of survey prepared for Charles & Carolyn Dowdy by Venable & Associates, Inc., Registered Surveyor, dated March 13, 1990, recorded in Plat Book 15, Page 130, 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.
The indebtedness secured by said Security Deeds has been and is hereby declared due and payable because of, among other possible events of default, failure to comply with the provisions of the Security Deeds. The debt remaining outstanding, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deeds and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given as provided by law).
The property will be sold for cash or certified funds and subject to any and all matters of record superior to said Security Deeds, outstanding ad valorem taxes, any matters which might be disclosed by an accurate survey and inspection of the property, zoning ordinances, restrictions, covenants, and easements against the property, if any. The sale will be conducted as set forth herein subject to (1) confirmation prior to the sale that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit prior to the sale of the status of the loan with the holder of the Security Deed.
Grantee reserves the right to sell the property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.
To the best of the undersigned’s knowledge and belief, the property is located at 723 Yonah Homer Road, Homer, Banks County, Georgia, and the parties in possession of the property are Ronald F. Rafala and Alicia S. Rafala, or their tenant or tenants.
PINNACLE BANK, as Attorney-in-Fact for Ronald F. Rafala and Alicia S. Rafala
Thompson, O’Brien, Kemp & Nasuti, P.C.
40 Technology Parkway South, Suite 300
Norcross, Georgia 30092
(770) 925-0111
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24P4)

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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 MICHAEL D. GRAGG and LARYSSA L. GRAGG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 11, 2009, recorded in Deed Book 344, Page 724, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND NINE HUNDRED EIGHTY-EIGHT AND 0/100 DOLLARS ($140,988.00), 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 March, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Michael D. Gragg and Laryssa L. Gragg or a tenant or tenants and said property is more commonly known as 601 McCoy Bridge Rd., Homer, Georgia 30547.
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 Michael D. Gragg and Laryssa L. Gragg
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/lw9 3/2/10 Our file no. 53891809-FT11
EXHIBIT “A”
The land referred to herein below is situated in the County of Banks, State of Georgia and is described as follows: All that tract or parcel of land together with improvements thereon, lying and being in the 265 GMD City of Homer, Banks County, Georgia, containing 2.05 acres, as shown on plat of survey for Janice Freeman by G. Brian Slate, RLS dated December 18, 2002 recorded in Plat Book 27, Page 80, in the Office of the Clerk of Superior Court of Banks County, Georgia which said plat is incorporated herein by reference and made a part of this description. Being a portion of the property conveyed to Janice Ann Dalton Freeman by virtue of a deed of gift from Vera M Dalton to Janice Ann Dalton Freeman dated August 3, 1998 recorded in Deed Book 132, Page 450, Banks County Records. Parcel ID B51032B Commonly known as 601 McCoy Bridge Road, Homer GA 30547 MR/lw9 3/2/10 Our file no. 53891809 - FT11
(FE3,10,17,24B/12062-70T1P)

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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 Homes 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 March, 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/lnk 3/2/10 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/lnk 3/2/10 Our file no. 5206209 - FT10
(FE3,10,17,24B/12062-70T1P)

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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 KEITH BARKLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated August 31, 2005, recorded in Deed Book 267, Page 205, Banks County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETEEN THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($119,100.00), 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 March, 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: Chase Home Finance LLC, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. 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 Keith Barkley or a tenant or tenants and said property is more commonly known as 132 Buckeye Point, 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. Chase Home Finance LLC as Attorney in Fact for Keith Barkley McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/kb4 3/2/10 Our file no. 53526509-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th GMD of Banks County, Georgia, being Lot 2D, containing 1.021 acres, more or less, as per plat of survey for Buckeye Trails Subdivision, prepared by Cornerstone Land Surveying, Georgia Registered Surveyors, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 26, Page 116. Said plat as recorded, is hereby referenced for a more detailed description of said property. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. MR/kb4 3/2/10 Our file no. 53526509 - FT14
(FE3,10,17,24B/12062-60T1P)

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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 JAMES EDDIE BAKER, SR. to SUNTRUST BANK, dated March 19, 2001, recorded in Deed Book 171, Page 850, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 171, Page 866, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND AND 0/100 DOLLARS ($140,000.00), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the GMD 912th Banks County, Georgia, consisting of 1.68 acres, more or less, and being more particularly described according to a plat of survey prepared by Max Lewallen, Registered Surveyor, dated February 19, 1987, and recorded in Plat Book 21, Page 194, Banks County, Georgia Records. Reference to said plat and the recording thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is James E. Baker or a tenant or tenants and said property is more commonly known as 4341 Hwy. 51 S., Lula, Georgia 30554.
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.
SunTrust Mortgage, Inc. as Attorney in Fact for James Eddie Baker, Sr.
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/hq1 3/2/10 Our file no. 1346907-FT3
(FE3,10,17,24B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of a default in the payment of the indebtedness secured by a Security Deed executed by DAVID PATTON and STEFANIE PATTON to MUTUAL SAVINGS CREDIT UNION, dated August 4, 2005, and recorded in Deed Book 264, Page 243, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3, by Assignment securing a Note in the original principal amount of $134,400.00, 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, March 2, 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 465 G.M.D., Banks County, Georgia, designated as Lot 65B of Oak Ridge Subdivision, as shown on plat of survey of Farley-Collins Associates, dated July 10, 1997, recorded in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Plat Book 22, Page 62. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Existing easements and rights of way for public roads subject to and utilities now in use.
Said property is known as 157 Bel Air Drive, 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 David Patton and Stefanie Patton, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of David Patton and Stefanie Patton, 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.
The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3 as Attorney-in-Fact for David Patton and Stefanie Patton
File no. 09-018892
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100
Atlanta, GA 30341-3941
(770)220-2535/HP
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(FE3,10,17,24B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by TIFFANY DAWN HAGGARD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated June 5, 2006, in the amount of $347,000.00, and recorded in Deed Book 283, Page 598, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in March, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 207th District, G.M., Banks County, Georgia, and being that 2.046 acres, more or less, designated as Tract 2, as more particularly shown on a plat of survey prepared for Ruth Chambers by Woods and Chastain Surveyors, Inc., Registered Surveyor, dated November 9, 2000, recorded at Plat Book D, Page 42, 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.
which has the property address of 510 Chambers Rd., Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Tiffany Dawn Haggard and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Tiffany Dawn Haggard
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-25720 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24B/1325-50)

gpn11
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 VERONICA D. KELLEY and JAMES PATRICK KELLEY, SR. to NATIONPOINT, a Division of National City Bank, dated November 24, 2006, recorded in Deed Book 293, Page 781, Banks County, Georgia Records, as last transferred to U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SIX THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($76,850.00), 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 March, 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: Home Loan Services, Inc., 150 Allegheny Center-ICD PA9-150-02-50, Pittsburgh, PA 15212, 800-622-5035. 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 Veronica D. Kelley or a tenant or tenants and said property is more commonly known as 541 Garland White Road, 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. U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 as Attorney in Fact for Veronica D. Kelley and James Patrick Kelley, Sr.
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/sj4 3/2/10
Our file no. 554510-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 448th GMD, Banks County, Georgia, containing 0.287 acres, more or less, as shown on plat of survey prepared for William W. Purdy, Jr. by Roy A. Terrell, RLS, dated April 5, 1996 and recorded in Plat Book 22, Page 200, Banks County, Georgia records, to which plat reference is made for a more detailed description. MR/sj4 3/2/10 Our file no. 554510 - FT1
(FE3,10,17,24B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WILLIAM STACEY STANDRIDGE and MELISSA MARTIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for THE CIT GROUP/CONSUMER FINANCE, INC., dated January 20, 2006, and recorded in Deed Book 274, Page 850, Banks County, Georgia Records, as last transferred to HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates by Assignment to be filed for record in Banks County, Georgia records, conveying the after-described property to secure a Note of even date in the original principal amount of $120,000.00, 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 March, 2010, to wit: March 2, 2010, the following described property:
All that tract or parcel of land lying and being in the 448th, G.M.D., Banks County, Georgia, CONTAINING 2.00 ACRES, more or less, lying on Wynn Lake Road, as more fully shown and described on a Plat of Survey dated August 15, 2001, prepared by James Robert Cheatham, Georgia Registered Land Surveyor No. 1525, for Melissa Martin, recorded in Plat Book 26, Page 54, Public Records of Banks County, Georgia. Said plat is incorporated herein by reference for a more detailed description of said property.
This is the same property as conveyed by Warranty Deed (Joint Tenancy with Survivorship) from Melissa Martin to Melissa Martin and William Stacey Standridge, dated September 14, 2001, and recorded in Deed Book 179, Pages 216-217, Banks County Records.
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. 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 Deed to Secure Debt 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 known as 1718 Wynn Lake Road, Alto, GA 30510 is (are): William Stacey Standridge and Melissa Martin 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) 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; (2) O.C.G.A. Section 9-13-172.1; and (3) 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.
HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates as attorney in fact for William Stacey Standridge and Melissa Martin
Richard B. Maner, P.C.
5775 Glenridge Drive
Building D, Suite 100
Atlanta, GA 30328
(404)252-6385
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
FC09-894
(FE3,10,17,24P4)
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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 MICHAEL N. BROWN to NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia), dated March 17, 2008 and recorded on March 19, 2008 in Deed Book 322, Pages 569-571, as re-recorded in Deed Book 323, Pages 568-570, Banks County, Georgia records. This Security Deed secures a Note dated March 23, 2009 in the original principal amount of $133,674.00, plus interest; said Note is further collateralized by UCC Financing Statement recorded in Deed Book 323, Pages 192-193 and filed under Seq. No. 00608071, Banks County, Georgia Records, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the City of Homer, 265th District, G.M., Banks County, Georgia, and being that 0.926 acres, more or less, designated as Lot 9, on a plat of survey for Cannon Creek Subdivision prepared by Davidson Land Surveying, Inc., Registered Surveyor, dated December 5, 2007, recorded in Plat Book G, Page 65, 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.
Together with all building materials, equipment, and fixtures as purchased for use on the projects located at: 170 Thompson Street, Homer, GA 30547, Cannon Creek Subdivision Lot #9, whether any of the foregoing is owned now or acquired later; all accessions, additional, replacements, and substitutions relating to any of the foregoing; all records of any kind relating to any of the foregoing; all proceeds relating to any of the foregoing (including insurance, general intangibles and accounts proceeds).
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 attorneys fees having been given.)
Said property will be sold as the property of Michael N. Brown 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 Michael N. Brown.
NORTHEAST GEORGIA BANK
(f/k/a Freedom Bank of Georgia)
By: __ As Attorney-in-fact for: Michael N. Brown
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
(FE3,10,17,24P4)

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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 With Power of Sale (hereinafter known as the (Security Deed() from PERRY E. MCDONALD, SR. A/K/A PERRY E. MCDONALD AND MARGARET CAROLE MCDONALD A/K/A CAROLE M. MCDONALD to NORTHEAST GEORGIA BANK, dated November 12, 2008 and recorded on November 13, 2008 in Deed Book 333, Pages 223-226, Banks County, Georgia records. This Security Deed secures a Note dated November 12, 2008 in the original principal amount of $132,525.13, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 20.963 acres, more or less, designated as Tract 1, on a plat of survey prepared for Perry McDonald, Sr., Alice Bullock, Eric McDonald & Harrison McDonald by Max Lewallen, Registered Surveyor, dated December 27, 2002, recorded in Plat Book D, Page 125, 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 207th 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 Perry E. McDonald, Sr. & Margaret C. McDonald by Max Lewallen, Registered Surveyor, dated November 29, 2006, recorded in Plat Book 30, Page 171, 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 207th District, G.M., Banks County, Georgia, and being that 1.00 acres, more or less, designated as Tract No. 3; and that 1.900 acres, more or less, designated as Tract No. 4, on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
ALSO: All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 0.50 acres, more or less, designated as Tract No. 1; on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
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 attorneys fees having been given.)
Said property will be sold as the property of Perry E. McDonald and Carole M. McDonald 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 Perry E. McDonald and Carole M. McDonald.
NORTHEAST GEORGIA BANK As Attorney-in-fact for: Perry E. McDonald and Carole M. McDonald
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
(FE3,10,17,24P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in that certain Real Estate Deed to Secure Debt from RONALD F. RAFALA and ALICIA S. RAFALA (“Grantors”) to PINNACLE BANK (“Grantee”), dated June 16, 2005, recorded July 11, 2005, in Deed Book 261, Page 275, Banks County, Georgia Records, as modified by that certain Modification of Deed to Secure Debt dated June 23, 2005, recorded November 17, 2005, in Deed Book 270, Page 729, aforesaid records (as modified, the “Security Deed”), conveying the after-described property to secure that certain Commercial Promissory Note dated June 23, 2005, from Grantors payables to Grantee in the original principal amount of THREE HUNDRED FIFTY NINE THOUSAND AND NO/100 DOLLARS ($359,000.00), with interest thereon as set forth therein (the “Note”), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the 265th District, G.M., Banks County, Georgia, and being that 6.00 acres, more or less, designated as Tract 2; and that 13.90 acres, more or less, designated as Tract 3, as more particularly shown on a plat of survey prepared for Charles & Carolyn Dowdy by Venable & Associates, Inc., Registered Surveyor, dated March 13, 1990, recorded in Plat Book 15, Page 130, 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.
The indebtedness secured by said Security Deeds has been and is hereby declared due and payable because of, among other possible events of default, failure to comply with the provisions of the Security Deeds. The debt remaining outstanding, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deeds and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given as provided by law).
The property will be sold for cash or certified funds and subject to any and all matters of record superior to said Security Deeds, outstanding ad valorem taxes, any matters which might be disclosed by an accurate survey and inspection of the property, zoning ordinances, restrictions, covenants, and easements against the property, if any. The sale will be conducted as set forth herein subject to (1) confirmation prior to the sale that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit prior to the sale of the status of the loan with the holder of the Security Deed.
Grantee reserves the right to sell the property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.
To the best of the undersigned’s knowledge and belief, the property is located at 723 Yonah Homer Road, Homer, Banks County, Georgia, and the parties in possession of the property are Ronald F. Rafala and Alicia S. Rafala, or their tenant or tenants.
PINNACLE BANK, as Attorney-in-Fact for Ronald F. Rafala and Alicia S. Rafala
Thompson, O’Brien, Kemp & Nasuti, P.C.
40 Technology Parkway South, Suite 300
Norcross, Georgia 30092
(770) 925-0111
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24P4)

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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 MICHAEL D. GRAGG and LARYSSA L. GRAGG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 11, 2009, recorded in Deed Book 344, Page 724, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND NINE HUNDRED EIGHTY-EIGHT AND 0/100 DOLLARS ($140,988.00), 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 March, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Michael D. Gragg and Laryssa L. Gragg or a tenant or tenants and said property is more commonly known as 601 McCoy Bridge Rd., Homer, Georgia 30547.
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 Michael D. Gragg and Laryssa L. Gragg
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/lw9 3/2/10 Our file no. 53891809-FT11
EXHIBIT “A”
The land referred to herein below is situated in the County of Banks, State of Georgia and is described as follows: All that tract or parcel of land together with improvements thereon, lying and being in the 265 GMD City of Homer, Banks County, Georgia, containing 2.05 acres, as shown on plat of survey for Janice Freeman by G. Brian Slate, RLS dated December 18, 2002 recorded in Plat Book 27, Page 80, in the Office of the Clerk of Superior Court of Banks County, Georgia which said plat is incorporated herein by reference and made a part of this description. Being a portion of the property conveyed to Janice Ann Dalton Freeman by virtue of a deed of gift from Vera M Dalton to Janice Ann Dalton Freeman dated August 3, 1998 recorded in Deed Book 132, Page 450, Banks County Records. Parcel ID B51032B Commonly known as 601 McCoy Bridge Road, Homer GA 30547 MR/lw9 3/2/10 Our file no. 53891809 - FT11
(FE3,10,17,24B/12062-70T1P)

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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 Homes 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 March, 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/lnk 3/2/10 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/lnk 3/2/10 Our file no. 5206209 - FT10
(FE3,10,17,24B/12062-70T1P)

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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 KEITH BARKLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated August 31, 2005, recorded in Deed Book 267, Page 205, Banks County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETEEN THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($119,100.00), 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 March, 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: Chase Home Finance LLC, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. 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 Keith Barkley or a tenant or tenants and said property is more commonly known as 132 Buckeye Point, 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. Chase Home Finance LLC as Attorney in Fact for Keith Barkley McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/kb4 3/2/10 Our file no. 53526509-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th GMD of Banks County, Georgia, being Lot 2D, containing 1.021 acres, more or less, as per plat of survey for Buckeye Trails Subdivision, prepared by Cornerstone Land Surveying, Georgia Registered Surveyors, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 26, Page 116. Said plat as recorded, is hereby referenced for a more detailed description of said property. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. MR/kb4 3/2/10 Our file no. 53526509 - FT14
(FE3,10,17,24B/12062-60T1P)

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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 JAMES EDDIE BAKER, SR. to SUNTRUST BANK, dated March 19, 2001, recorded in Deed Book 171, Page 850, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 171, Page 866, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND AND 0/100 DOLLARS ($140,000.00), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the GMD 912th Banks County, Georgia, consisting of 1.68 acres, more or less, and being more particularly described according to a plat of survey prepared by Max Lewallen, Registered Surveyor, dated February 19, 1987, and recorded in Plat Book 21, Page 194, Banks County, Georgia Records. Reference to said plat and the recording thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is James E. Baker or a tenant or tenants and said property is more commonly known as 4341 Hwy. 51 S., Lula, Georgia 30554.
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.
SunTrust Mortgage, Inc. as Attorney in Fact for James Eddie Baker, Sr.
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/hq1 3/2/10 Our file no. 1346907-FT3
(FE3,10,17,24B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of a default in the payment of the indebtedness secured by a Security Deed executed by DAVID PATTON and STEFANIE PATTON to MUTUAL SAVINGS CREDIT UNION, dated August 4, 2005, and recorded in Deed Book 264, Page 243, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3, by Assignment securing a Note in the original principal amount of $134,400.00, 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, March 2, 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 465 G.M.D., Banks County, Georgia, designated as Lot 65B of Oak Ridge Subdivision, as shown on plat of survey of Farley-Collins Associates, dated July 10, 1997, recorded in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Plat Book 22, Page 62. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Existing easements and rights of way for public roads subject to and utilities now in use.
Said property is known as 157 Bel Air Drive, 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 David Patton and Stefanie Patton, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of David Patton and Stefanie Patton, 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.
The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3 as Attorney-in-Fact for David Patton and Stefanie Patton
File no. 09-018892
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100
Atlanta, GA 30341-3941
(770)220-2535/HP
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(FE3,10,17,24B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by TIFFANY DAWN HAGGARD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated June 5, 2006, in the amount of $347,000.00, and recorded in Deed Book 283, Page 598, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in March, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 207th District, G.M., Banks County, Georgia, and being that 2.046 acres, more or less, designated as Tract 2, as more particularly shown on a plat of survey prepared for Ruth Chambers by Woods and Chastain Surveyors, Inc., Registered Surveyor, dated November 9, 2000, recorded at Plat Book D, Page 42, 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.
which has the property address of 510 Chambers Rd., Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Tiffany Dawn Haggard and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Tiffany Dawn Haggard
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-25720 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24B/1325-50)

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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 VERONICA D. KELLEY and JAMES PATRICK KELLEY, SR. to NATIONPOINT, a Division of National City Bank, dated November 24, 2006, recorded in Deed Book 293, Page 781, Banks County, Georgia Records, as last transferred to U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SIX THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($76,850.00), 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 March, 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: Home Loan Services, Inc., 150 Allegheny Center-ICD PA9-150-02-50, Pittsburgh, PA 15212, 800-622-5035. 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 Veronica D. Kelley or a tenant or tenants and said property is more commonly known as 541 Garland White Road, 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. U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 as Attorney in Fact for Veronica D. Kelley and James Patrick Kelley, Sr.
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/sj4 3/2/10
Our file no. 554510-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 448th GMD, Banks County, Georgia, containing 0.287 acres, more or less, as shown on plat of survey prepared for William W. Purdy, Jr. by Roy A. Terrell, RLS, dated April 5, 1996 and recorded in Plat Book 22, Page 200, Banks County, Georgia records, to which plat reference is made for a more detailed description. MR/sj4 3/2/10 Our file no. 554510 - FT1
(FE3,10,17,24B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WILLIAM STACEY STANDRIDGE and MELISSA MARTIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for THE CIT GROUP/CONSUMER FINANCE, INC., dated January 20, 2006, and recorded in Deed Book 274, Page 850, Banks County, Georgia Records, as last transferred to HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates by Assignment to be filed for record in Banks County, Georgia records, conveying the after-described property to secure a Note of even date in the original principal amount of $120,000.00, 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 March, 2010, to wit: March 2, 2010, the following described property:
All that tract or parcel of land lying and being in the 448th, G.M.D., Banks County, Georgia, CONTAINING 2.00 ACRES, more or less, lying on Wynn Lake Road, as more fully shown and described on a Plat of Survey dated August 15, 2001, prepared by James Robert Cheatham, Georgia Registered Land Surveyor No. 1525, for Melissa Martin, recorded in Plat Book 26, Page 54, Public Records of Banks County, Georgia. Said plat is incorporated herein by reference for a more detailed description of said property.
This is the same property as conveyed by Warranty Deed (Joint Tenancy with Survivorship) from Melissa Martin to Melissa Martin and William Stacey Standridge, dated September 14, 2001, and recorded in Deed Book 179, Pages 216-217, Banks County Records.
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. 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 Deed to Secure Debt 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 known as 1718 Wynn Lake Road, Alto, GA 30510 is (are): William Stacey Standridge and Melissa Martin 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) 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; (2) O.C.G.A. Section 9-13-172.1; and (3) 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.
HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates as attorney in fact for William Stacey Standridge and Melissa Martin
Richard B. Maner, P.C.
5775 Glenridge Drive
Building D, Suite 100
Atlanta, GA 30328
(404)252-6385
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
FC09-894
(FE3,10,17,24P4)
[Full Story »] 

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 MICHAEL N. BROWN to NORTHEAST GEORGIA BANK (f/k/a Freedom Bank of Georgia), dated March 17, 2008 and recorded on March 19, 2008 in Deed Book 322, Pages 569-571, as re-recorded in Deed Book 323, Pages 568-570, Banks County, Georgia records. This Security Deed secures a Note dated March 23, 2009 in the original principal amount of $133,674.00, plus interest; said Note is further collateralized by UCC Financing Statement recorded in Deed Book 323, Pages 192-193 and filed under Seq. No. 00608071, Banks County, Georgia Records, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the City of Homer, 265th District, G.M., Banks County, Georgia, and being that 0.926 acres, more or less, designated as Lot 9, on a plat of survey for Cannon Creek Subdivision prepared by Davidson Land Surveying, Inc., Registered Surveyor, dated December 5, 2007, recorded in Plat Book G, Page 65, 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.
Together with all building materials, equipment, and fixtures as purchased for use on the projects located at: 170 Thompson Street, Homer, GA 30547, Cannon Creek Subdivision Lot #9, whether any of the foregoing is owned now or acquired later; all accessions, additional, replacements, and substitutions relating to any of the foregoing; all records of any kind relating to any of the foregoing; all proceeds relating to any of the foregoing (including insurance, general intangibles and accounts proceeds).
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 attorneys fees having been given.)
Said property will be sold as the property of Michael N. Brown 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 Michael N. Brown.
NORTHEAST GEORGIA BANK
(f/k/a Freedom Bank of Georgia)
By: __ As Attorney-in-fact for: Michael N. Brown
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
(FE3,10,17,24P4)

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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 With Power of Sale (hereinafter known as the (Security Deed() from PERRY E. MCDONALD, SR. A/K/A PERRY E. MCDONALD AND MARGARET CAROLE MCDONALD A/K/A CAROLE M. MCDONALD to NORTHEAST GEORGIA BANK, dated November 12, 2008 and recorded on November 13, 2008 in Deed Book 333, Pages 223-226, Banks County, Georgia records. This Security Deed secures a Note dated November 12, 2008 in the original principal amount of $132,525.13, 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 March, 2010, the following described property and improvements, if any; to-wit:
LEGAL DESCRIPTION
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 20.963 acres, more or less, designated as Tract 1, on a plat of survey prepared for Perry McDonald, Sr., Alice Bullock, Eric McDonald & Harrison McDonald by Max Lewallen, Registered Surveyor, dated December 27, 2002, recorded in Plat Book D, Page 125, 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 207th 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 Perry E. McDonald, Sr. & Margaret C. McDonald by Max Lewallen, Registered Surveyor, dated November 29, 2006, recorded in Plat Book 30, Page 171, 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 207th District, G.M., Banks County, Georgia, and being that 1.00 acres, more or less, designated as Tract No. 3; and that 1.900 acres, more or less, designated as Tract No. 4, on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
ALSO: All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 0.50 acres, more or less, designated as Tract No. 1; on a plat of survey prepared for Jim Bryson by Ingram, Lord & Associates, Registered Surveyor, dated November 4, 2008, recorded in Plat Book G, Page 131, 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.
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 attorneys fees having been given.)
Said property will be sold as the property of Perry E. McDonald and Carole M. McDonald 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 Perry E. McDonald and Carole M. McDonald.
NORTHEAST GEORGIA BANK As Attorney-in-fact for: Perry E. McDonald and Carole M. McDonald
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
(FE3,10,17,24P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in that certain Real Estate Deed to Secure Debt from RONALD F. RAFALA and ALICIA S. RAFALA (“Grantors”) to PINNACLE BANK (“Grantee”), dated June 16, 2005, recorded July 11, 2005, in Deed Book 261, Page 275, Banks County, Georgia Records, as modified by that certain Modification of Deed to Secure Debt dated June 23, 2005, recorded November 17, 2005, in Deed Book 270, Page 729, aforesaid records (as modified, the “Security Deed”), conveying the after-described property to secure that certain Commercial Promissory Note dated June 23, 2005, from Grantors payables to Grantee in the original principal amount of THREE HUNDRED FIFTY NINE THOUSAND AND NO/100 DOLLARS ($359,000.00), with interest thereon as set forth therein (the “Note”), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the 265th District, G.M., Banks County, Georgia, and being that 6.00 acres, more or less, designated as Tract 2; and that 13.90 acres, more or less, designated as Tract 3, as more particularly shown on a plat of survey prepared for Charles & Carolyn Dowdy by Venable & Associates, Inc., Registered Surveyor, dated March 13, 1990, recorded in Plat Book 15, Page 130, 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.
The indebtedness secured by said Security Deeds has been and is hereby declared due and payable because of, among other possible events of default, failure to comply with the provisions of the Security Deeds. The debt remaining outstanding, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deeds and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given as provided by law).
The property will be sold for cash or certified funds and subject to any and all matters of record superior to said Security Deeds, outstanding ad valorem taxes, any matters which might be disclosed by an accurate survey and inspection of the property, zoning ordinances, restrictions, covenants, and easements against the property, if any. The sale will be conducted as set forth herein subject to (1) confirmation prior to the sale that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit prior to the sale of the status of the loan with the holder of the Security Deed.
Grantee reserves the right to sell the property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.
To the best of the undersigned’s knowledge and belief, the property is located at 723 Yonah Homer Road, Homer, Banks County, Georgia, and the parties in possession of the property are Ronald F. Rafala and Alicia S. Rafala, or their tenant or tenants.
PINNACLE BANK, as Attorney-in-Fact for Ronald F. Rafala and Alicia S. Rafala
Thompson, O’Brien, Kemp & Nasuti, P.C.
40 Technology Parkway South, Suite 300
Norcross, Georgia 30092
(770) 925-0111
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by KIMBERLY D. CRUMLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated July 28, 2006 in the amount of $68,000.00, and recorded in Deed Book 286, Page 841, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in March, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 265th District, G.M., Banks County, Georgia, consisting of 3.89 acres, more or less, as shown on a plat of survey entitled Survey for Kimberly Dawn Crumley by Max by Max Lewallen, Registered Surveyor, dated March 2, 2006 and recorded in Plat Book 30 Page 91 in the office of the Clerk of Superior Court of Banks County, Georgia. Said plat is incorporated herein and hereby made a part of hereof by reference for a more particular description.
Together with a 24 foot easement for ingress and egress as more particularly described by plat and survey entitled Survey for Jimmy Crumley by North-Central Land Surveying, dated May 8, 1998 and recorded in Plat Book C Page 54, in the Office of the Clerk of Superior Court of Banks County, Georgia. Said plat is incorporated herein and hereby made a part hereof by reference for a more particular description.
Together with a 20 foot easement for ingress and egress as more particularly described by plat and survey entitled Survey for Kimberly Dawn Crumley by Max Lewallen, Registered Surveyor, dated March 22, 2006 and recorded in Court of Banks County, Georgia. Said plat is incorporated herein and hereby made a part hereof by reference for a more particular description.
which has the property address of 635 Gardiner Road, Homer, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Kimberly D. Crumley and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Kimberly D. Crumley
Anthony DeMarlo, Attorney/smagnuson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-27958 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24B/1325-60)

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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 MICHAEL D. GRAGG and LARYSSA L. GRAGG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 11, 2009, recorded in Deed Book 344, Page 724, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND NINE HUNDRED EIGHTY-EIGHT AND 0/100 DOLLARS ($140,988.00), 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 March, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Michael D. Gragg and Laryssa L. Gragg or a tenant or tenants and said property is more commonly known as 601 McCoy Bridge Rd., Homer, Georgia 30547.
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 Michael D. Gragg and Laryssa L. Gragg
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/lw9 3/2/10 Our file no. 53891809-FT11
EXHIBIT “A”
The land referred to herein below is situated in the County of Banks, State of Georgia and is described as follows: All that tract or parcel of land together with improvements thereon, lying and being in the 265 GMD City of Homer, Banks County, Georgia, containing 2.05 acres, as shown on plat of survey for Janice Freeman by G. Brian Slate, RLS dated December 18, 2002 recorded in Plat Book 27, Page 80, in the Office of the Clerk of Superior Court of Banks County, Georgia which said plat is incorporated herein by reference and made a part of this description. Being a portion of the property conveyed to Janice Ann Dalton Freeman by virtue of a deed of gift from Vera M Dalton to Janice Ann Dalton Freeman dated August 3, 1998 recorded in Deed Book 132, Page 450, Banks County Records. Parcel ID B51032B Commonly known as 601 McCoy Bridge Road, Homer GA 30547 MR/lw9 3/2/10 Our file no. 53891809 - FT11
(FE3,10,17,24B/12062-70T1P)

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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 Homes 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 March, 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/lnk 3/2/10 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/lnk 3/2/10 Our file no. 5206209 - FT10
(FE3,10,17,24B/12062-70T1P)

gpn11
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 KEITH BARKLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated August 31, 2005, recorded in Deed Book 267, Page 205, Banks County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETEEN THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($119,100.00), 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 March, 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: Chase Home Finance LLC, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. 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 Keith Barkley or a tenant or tenants and said property is more commonly known as 132 Buckeye Point, 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. Chase Home Finance LLC as Attorney in Fact for Keith Barkley McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/kb4 3/2/10 Our file no. 53526509-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th GMD of Banks County, Georgia, being Lot 2D, containing 1.021 acres, more or less, as per plat of survey for Buckeye Trails Subdivision, prepared by Cornerstone Land Surveying, Georgia Registered Surveyors, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 26, Page 116. Said plat as recorded, is hereby referenced for a more detailed description of said property. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. MR/kb4 3/2/10 Our file no. 53526509 - FT14
(FE3,10,17,24B/12062-60T1P)

gpn11
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 JAMES EDDIE BAKER, SR. to SUNTRUST BANK, dated March 19, 2001, recorded in Deed Book 171, Page 850, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 171, Page 866, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND AND 0/100 DOLLARS ($140,000.00), 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 March, 2010, the following described property:
All that tract or parcel of land lying and being in the GMD 912th Banks County, Georgia, consisting of 1.68 acres, more or less, and being more particularly described according to a plat of survey prepared by Max Lewallen, Registered Surveyor, dated February 19, 1987, and recorded in Plat Book 21, Page 194, Banks County, Georgia Records. Reference to said plat and the recording thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is James E. Baker or a tenant or tenants and said property is more commonly known as 4341 Hwy. 51 S., Lula, Georgia 30554.
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.
SunTrust Mortgage, Inc. as Attorney in Fact for James Eddie Baker, Sr.
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/hq1 3/2/10 Our file no. 1346907-FT3
(FE3,10,17,24B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of a default in the payment of the indebtedness secured by a Security Deed executed by DAVID PATTON and STEFANIE PATTON to MUTUAL SAVINGS CREDIT UNION, dated August 4, 2005, and recorded in Deed Book 264, Page 243, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3, by Assignment securing a Note in the original principal amount of $134,400.00, 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, March 2, 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 465 G.M.D., Banks County, Georgia, designated as Lot 65B of Oak Ridge Subdivision, as shown on plat of survey of Farley-Collins Associates, dated July 10, 1997, recorded in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Plat Book 22, Page 62. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Existing easements and rights of way for public roads subject to and utilities now in use.
Said property is known as 157 Bel Air Drive, 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 David Patton and Stefanie Patton, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of David Patton and Stefanie Patton, 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.
The Bank of New York Mellon, fka The Bank of New York as Successor in Interest to JP Morgan Chase Bank NA as Trustee for MASTR Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2006-3 as Attorney-in-Fact for David Patton and Stefanie Patton
File no. 09-018892
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100
Atlanta, GA 30341-3941
(770)220-2535/HP
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(FE3,10,17,24B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by TIFFANY DAWN HAGGARD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated June 5, 2006, in the amount of $347,000.00, and recorded in Deed Book 283, Page 598, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in March, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 207th District, G.M., Banks County, Georgia, and being that 2.046 acres, more or less, designated as Tract 2, as more particularly shown on a plat of survey prepared for Ruth Chambers by Woods and Chastain Surveyors, Inc., Registered Surveyor, dated November 9, 2000, recorded at Plat Book D, Page 42, 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.
which has the property address of 510 Chambers Rd., Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Tiffany Dawn Haggard and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Tiffany Dawn Haggard
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-25720 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24B/1325-50)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by DAVID WAYNE CAUDELL and TERESA CAUDELL to AMERICAN FREEDOM MORTGAGE INC., dated October 8, 2003, in the amount of $70,200.00, and recorded in Deed Book 230, Page 592, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment, the undersigned, BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP pursuant to said deed and the 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 in March, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 1206th, GMD, Banks County, Georgia, containing 3.00 acres, being more fully shown and described on a plat of survey dated May 7, 1994, prepared by Max Lewallen, Registered Surveyor, Georgia Number 2067, for David Wayne Claudell, recorded in Banks County, Georgia Records of the Clerk of Superior Court in Plat Book 18, Page 213. Said plat is incorporated herein by reference for a more detailed description of said property.
which has the property address of 351 Mount Olivet Road, Homer, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of David Wayne Caudell and Teresa Caudell and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP Attorney in Fact for David Wayne Caudell and Teresa Caudell
Anthony DeMarlo, Attorney/apatterson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 10-00617 /FNMA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(FE3,10,17,24B/1325-50)

gpn11
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 VERONICA D. KELLEY and JAMES PATRICK KELLEY, SR. to NATIONPOINT, a Division of National City Bank, dated November 24, 2006, recorded in Deed Book 293, Page 781, Banks County, Georgia Records, as last transferred to U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SIX THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($76,850.00), 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 March, 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: Home Loan Services, Inc., 150 Allegheny Center-ICD PA9-150-02-50, Pittsburgh, PA 15212, 800-622-5035. 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 Veronica D. Kelley or a tenant or tenants and said property is more commonly known as 541 Garland White Road, 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. U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF1 as Attorney in Fact for Veronica D. Kelley and James Patrick Kelley, Sr.
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/sj4 3/2/10
Our file no. 554510-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 448th GMD, Banks County, Georgia, containing 0.287 acres, more or less, as shown on plat of survey prepared for William W. Purdy, Jr. by Roy A. Terrell, RLS, dated April 5, 1996 and recorded in Plat Book 22, Page 200, Banks County, Georgia records, to which plat reference is made for a more detailed description. MR/sj4 3/2/10 Our file no. 554510 - FT1
(FE3,10,17,24B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by WILLIAM STACEY STANDRIDGE and MELISSA MARTIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for THE CIT GROUP/CONSUMER FINANCE, INC., dated January 20, 2006, and recorded in Deed Book 274, Page 850, Banks County, Georgia Records, as last transferred to HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates by Assignment to be filed for record in Banks County, Georgia records, conveying the after-described property to secure a Note of even date in the original principal amount of $120,000.00, 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 March, 2010, to wit: March 2, 2010, the following described property:
All that tract or parcel of land lying and being in the 448th, G.M.D., Banks County, Georgia, CONTAINING 2.00 ACRES, more or less, lying on Wynn Lake Road, as more fully shown and described on a Plat of Survey dated August 15, 2001, prepared by James Robert Cheatham, Georgia Registered Land Surveyor No. 1525, for Melissa Martin, recorded in Plat Book 26, Page 54, Public Records of Banks County, Georgia. Said plat is incorporated herein by reference for a more detailed description of said property.
This is the same property as conveyed by Warranty Deed (Joint Tenancy with Survivorship) from Melissa Martin to Melissa Martin and William Stacey Standridge, dated September 14, 2001, and recorded in Deed Book 179, Pages 216-217, Banks County Records.
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. 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 Deed to Secure Debt 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 known as 1718 Wynn Lake Road, Alto, GA 30510 is (are): William Stacey Standridge and Melissa Martin 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) 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; (2) O.C.G.A. Section 9-13-172.1; and (3) 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.
HSBC Bank USA, N.A. as Trustee on behalf of the ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2, Asset Backed Pass-Through Certificates as attorney in fact for William Stacey Standridge and Melissa Martin
Richard B. Maner, P.C.
5775 Glenridge Drive
Building D, Suite 100
Atlanta, GA 30328
(404)252-6385
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
FC09-894
(FE3,10,17,24P4)

gpn11
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 TIMOTHY KEVIN BRASWELL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as nominee for FIRST FRANKLIN A DIVISION OF NATIONAL CITY BANK, dated November 30, 2006, recorded in Deed Book 295, Page 802, Banks County, Georgia Records, as last transferred to Bank of America, National Association as successor by merger to LaSalle Bank National Association, as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF2 by assignment recorded in Deed Book 337, Page 514, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-SEVEN THOUSAND AND 0/100 DOLLARS ($197,000.00), 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 March, 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: Home Loan Services, Inc., 150 Allegheny Center-ICD PA9-150-02-50, Pittsburgh, PA 15212, 800-622-5035. 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 Timothy Kevin Braswell and Ashley Deann Braswell aka Ashley Kilgore or a tenant or tenants and said property is more commonly known as 199 Valley View Dr., Maysville, Georgia 30558. 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. U.S. Bank, National Association, as successor trustee to Bank of America, N. A. as successor by merger to LaSalle Bank N. A., as Trustee for First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-FF2 as Attorney in Fact for Timothy Kevin Braswell McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cgh 3/2/10 Our file no. 5403809-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 465th GMD of Banks County, Georgia, City of Maysville, shown as a portion of Lots 49 and 50 (3.001 acres more or less) of Oak Ridge Subdivision, on a plat of survey for Larry S. Thurmond, prepared by William H. Collins and William E. Whidden, RLS, of Farley-Collins Associates, dated August 21, 1997, as it was recorded with joint tenancy with survivorship warranty deed at Deed Book 177, Page 379, said parcel being more particularly described and delineated on said plat and incorporated herein by reference. Further reference is made to plat of survey for Timothy K. Braswell-Ashley D. Braswell, prepared by William H. Collins and William E. Whidden, RLS, of Farley-Collins-Whidden, dated April 18, 2002, recorded at Plat Book D, Page 99, as of November 11, 2002. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. MR/cgh 3/2/10 Our file no. 5403809 - FT1
(FE3,10,17,24B/12062-80T1P)
[Full Story »] 

gpn11
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 JIMMY LAVERNE BEASLEY and JUDY BEASLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated February 23, 2008, recorded in Deed Book 322, Page 1, 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 347, Page 290, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-SEVEN THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($187,400.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Jimmy Laverne Beasley and Judy Beasley or a tenant or tenants and said property is more commonly known as 143 Buckeye Point, 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 Jimmy Laverne Beasley and Judy Beasley
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/abw 2/2/10
Our file no. 52883609-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th District, G.M. Banks County, Georgia, and being that 2.420 acres, more or less, designated as Lot 16, Block A, Phase 2 of Buckeye Trails Subdivision, as more particularly shown on a plat of survey entitled, “Final Plat for Phase 2 of Buckeye Trails Subdivision,” prepared by James R. Smith, Registered Surveyor, dated October 29, 2001, recorded at Plat Book 26, page 116, 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.
(JA6,13,20,27B/12062-70T1P)

gpn11
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 GEORGE V. REEVES to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated May 31, 2007, recorded in Deed Book 307, Page 27, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-EIGHT THOUSAND EIGHT HUNDRED SIXTY-TWO AND 0/100 DOLLARS ($78,862.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 George V. Reeves or a tenant or tenants and said property is more commonly known as 3377 Ga. Hwy. 63, Carnesville, Georgia 30521.
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 George V. Reeves
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/wxc 2/2/10
Our file no. 53639709-FT11
EXHIBIT “A”
All that tract or parcel of land, together with improvements thereon, lying and being in the Wilmots 1206th District G.M., Banks County, Georgia containing approximately 1.06 acres, more or less, located on the westerly side of the right-of-way of GA Hwy. 63 adjoining the lands now or formerly owned by Max Lewallan, and being more particularly described as follows: Beginning at an iron pin corner on the Westerly right of way of GA Hwy 63 at the northeastern corner of the subject property, said corner adjoining lands now or formerly owned by Lewallan, thence running north 57 degrees 10 minutes 00 seconds west, 218.49 feet to an iron corner; thence running south 26 degrees 52 minutes 10 seconds west, 209.71 feet to an iron pin; thence south 57 degrees 9 minutes 5 seconds east to the westerly right of way of GA Hwy 63; thence running along the right of way of GA Hwy. 63 an arc distance of 209.96 feet and a chord being north 26 degrees 31 minutes 35 seconds west to said of beginning and being more clearly shown and delineated on a plat of survey for “Alfred Poole” prepared by Max Lewallan, Georgia Registered Land Surveyor, dated June 28, 2001, the description as contained therein being incorporated herein as reference.
(JA6,13,20,27B/12062-80T1P)

gpn11
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 TIMOTHY EERENBERG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. as nominee for SUNTRUST MORTGAGE, INC., dated April 6, 2005, recorded in Deed Book 256, Page 609, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND NINE HUNDRED EIGHT AND 0/100 DOLLARS ($126,908.00), 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 February, 2010, the following described property:
All that tract or parcel of land lying and being Tract I in the Township of Lula (formerly Belton), Poplar Springs MIlitia District, Banks County, Georgia, and comprising 0.58 acres as shown on a plat of survey for Brenda Stephens by Patton-Patton, Inc., Registered Land Surveyors, dated August 12, 1998, recorded on Plat Slide 23, Page 79, Banks County, Georgia Plat records. Reference to said plat and the record thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Timothy Eerenberg or a tenant or tenants and said property is more commonly known as 270 Railroad Avenue, Lula, Georgia 30554. 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. SunTrust Mortgage, Inc as Attorney in Fact for Timothy Eerenberg Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/jpk 2/2/10 Our file no. 1895009-FT3
(JA6,13,20,27B/12062-60T1P)

gpn11
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 DAVID AMERSON and BRENDA AMERSON to OPTION ONE MORTGAGE CORPORATION, dated June 30, 2004, recorded in Deed Book 241, Page 115, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, N.A., as Trustee for ABFC 2004-OPT 5 Trust, ABFC Asset-Backed Certificates, Series 2004-OPT5 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIFTY-FIVE THOUSAND AND 0/100 DOLLARS ($55,000.00), 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 February, 2010, the following described property: All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 1210th District, G.M., Banks County, Georgia, containing 5.01 acres, more or less, being shown on a plat of survey prepared for David Amerson, dated June 1, 1990, prepared by Clelland A. Tyson, Registered Land Surveyor, recorded in Plat Book 15, Page 153, in the Office of the Clerk of Superior Court, Banks County, Georgia, reference being made thereto for a more complete description of the property herein described. Also conveyed herewith is a twenty foot (20’) easement for ingress and egress as shown on the aforementioned plat of survey. The residence situate on the above tract of land is known and designated as 302 Vaughn Road according to the present system of numbering residences in Banks County, Georgia.
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). American Home Mortgage Servicing Inc. can be contacted at 877-304-3100 or by writing to 6501 Irvine Center Drive, Irvine, CA 92618, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is David Amerson and Brenda Amerson or a tenant or tenants and said property is more commonly known as 302 Vaughn Rd., Homer, Georgia 30547-2217. 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. Wells Fargo Bank, N.A., as Trustee for ABFC 2004-OPT 5 Trust, ABFC Asset-Backed Certificates, Series 2004-OPT5 as Attorney in Fact for David Amerson and Brenda Amerson Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/dw0 2/2/10 Our file no. 1892809-FT1
(JA6,13,20,27B/12062-70T1P)

gpn11
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 BILLY KEITH NIX and DIANNE NIX to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 13, 2007, recorded in Deed Book 307, Page 713, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND NINE HUNDRED FIFTY AND 0/100 DOLLARS ($131,950.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Billy Keith Nix and Dianne Nix or a tenant or tenants and said property is more commonly known as 2097 Westbrook Rd, Commerce, Georgia 30529. 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 Billy Keith Nix and Dianne Nix McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/abw 2/2/10 Our file no. 53679109-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in the 1206 District, G.M., Banks County, Georgia, consisting of Tract 1, containing 1.00 acre, more or less, and Tract 2 containing 5.00 acres, more or less, as shown by a plat of survey entitled “Survey for Billy Keith Nix” prepared by Max Lewallen, Registered Land Surveyor, dated August 22, 1995, recorded in Plat Book 21, Page 35, in the Office of the Clerk of the Superior Court of Banks County, Georgia. The above referred to plat is expressly by reference made a part of this deed. Subject to existing easements and rights of ways. MR/abw 2/2/10 Our file no. 53679109 - FT11
(JA6,13,20,27B/12062-70T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by JEFFREY SCOTT GERRIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated December 7, 2007, in the amount of $294,000.00, and recorded in Deed Book 317, Page 331, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks 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, together with the improvements thereon, lying and being in the 284th GMD, Banks County, Georgia, designated as Tract 1, containing 5.18 acres, more or less, as shown on plat of survey prepared for Jack Irvin and Melvin Coley by Bartlett & Cash Land Surveyors, Inc., dated August 14, 2003, mapped September 4, 2003, revised March 15, 2005, recorded in the office of the office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 29, Page 82, to which said plat and the record thereof reference is hereby made for a more complete description.
This being the same property conveyed by Warranty Deed from Barney Gerrin and Mary Joan Gerrin to Jeffrey Scott Gerrin, dated January 24, 2007, recorded in the office of the Clerk of Superior Court of Banks County, Georgia, in Deed Book 299, Page 309.
which has the property address of 477 Daily Road, Alto, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Jeffrey Scott Gerrin and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Jeffrey Scott Gerrin
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-28088 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1325-60)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by CHANDLER E. SAMPLES to REG WILBANKS, dated July 24, 2008, recorded in Deed Book 329, Pages 197-199, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIVE THOUSAND DOLLARS ($5,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the door of the Courthouse of Banks County, Georgia, within the legal hours of sale on the first Tuesday in February, 2010, the following described real property:
ALL THAT TRACT or parcel of land containing 2.00 acres, more or less, in the 1210 GMD of Banks County, Georgia, and bounded now or formerly as follows: North by lands of Chan Samples, East by lands of Chan Samples, South by lands formerly of Jack Chambers, and West by lands formerly of Eugene Samples.
Said tract of land being more particularly described according to a plat of survey prepared by Max Lewallen, Surveyors, on July 22, 2008, for Chandler E. Samples, which plat is recorded in Plat Book 32, Page 36, of the public records of Banks County, and is incorporated herein as part of this description.
The debt secured by said Security Deed has been and is hereby declared due and payable 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.
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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Chandler E. Samples or a tenant or tenants.
Reg Wilbanks as Attorney in Fact for Chandler E. Samples
Gary N. Freeman
Attorney at Law
P.O. Box 10
4 Homer Street
Maysville, Georgia 30558
(706) 652-2928
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27n/c)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks
& Jackson County
Because of default in the payment of the indebtedness secured by a Security Deed executed by TIMOTHY M. THOMAS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated November 7, 2006, in the amount of $147,613.00, and recorded in Deed Book 292, Page 541, Banks County, Georgia Records, and recorded on December 27, 2006, in Deed Book 46-X, Page 269 , Jackson County, Georgia Records, as last transferred to BAC Home Loans Servicing, L.P. FKA Countrywide Home Loans Servicing, L.P. by assignment; the undersigned, BAC Home Loans Servicing, L.P. FKA Countrywide Home Loans Servicing, L.P. pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks & Jackson 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 the 255th District, G.M., Jackson County, Georgia, and being that 2.889 acres, more or less, as more particularly shown on a plat of survey prepared for Abel Hernandez by Slate & Assoc., Inc., Registered Surveyor, dated October 24, 2006, recorded in Plat Book 30, Page 156, in the Office of the Clerk of the Superior Court of Banks County, Georgia, and recorded in Plat Book ____ Page ____, in the Office of the Clerk of the Superior Court of Jackson County, Georgia, and incorporated herein and made a part hereof by reference for a more detailed description.
Also: 60 foot ingress-egress easement designated as Holland Dam Road and being more particularly shown on plat of survey referenced herein above.
Also: Gravel drive easement designated on plat of survey referenced herein above.
which has the property address of 334 Holland Dam Dr., Maysville, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Timothy M. Thomas and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
BAC Home Loans Servicing, L.P. FKA Countrywide Home Loans Servicing, L.P. Attorney in Fact for Timothy M. Thomas
Anthony DeMarlo, Attorney/smitchell
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-21669 /FNMA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1325-50)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by AARON A. ABREU to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated February 25, 2003, in the amount of $93,000.00, and recorded in Deed Book 210, Page 539, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment, the undersigned, BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 207th District, G.M. Banks County, Georgia, being that 5.51 acres, more or less, designated as Tract 2 on a Plat of Survey of Glenfield Farms Subdivision, prepared by David Norris Simpson, Registered Surveyor, as per Plat recorded in Plat Book 14, Page 131, in the Office of the Clerk of the Superior Court of Banks County, Georgia, which recorded Plat is hereby incorporated herein by reference and made a part of this description.
which has the property address of 220 Borders Road, Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Aaron A. Abreu and Sandra E. Abreu and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP Attorney in Fact for Aaron A. Abreu
Anthony DeMarlo, Attorney/ajackson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-16701 /FNMA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1323-50)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
By virtue of Power of Sale contained in Security Deed from CYNTHIA SMITH to COMMUNITY BANK & TRUST, dated June 13, 2002, which Deed is recorded among Banks County, Georgia Records in Deed Book 194, Page 216, said Security Deed being given to secure a Note dated October 30, 2008, in the original principal amount of NINETY TWO THOUSAND SEVEN HUNDRED ELEVEN AND 62/100 ($92,711.62) DOLLARS, with interest thereon as set forth therein, 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 February, 2010, (February 2, 2010) the following described property, to wit:
All that tract or parcel of land lying and being in Land Lot 200 of the 10th Land District, Town of Alto, Banks County, Georgia, containing 0.24 acre, more or less, as shown on Plat of Survey prepared by Jeff Weshner, RLS, dated August 22, 2001 and said plat being recorded among Banks County, Georgia Records in Plat Book 26, Page 181, reference to said plat being made for a more full and complete description.
TOGETHER WITH the mobile home situated thereon.
Said property is known as 525 Wheeler Street, Alto, Georgia, 30510, together with all fixtures and personal property attached to and constituting a part of said property if any.
Whereas, the Note secured by said Security Deed has become in default as to payment of the principal and interest, and COMMUNITY BANK & TRUST has given notice of its intention to foreclose said Security Deed and claim attorney’s fees as provided in said Note and Security Deed.
The debt secured by said Security Deed and evidenced by said Note has been and is hereby declared due because of the non-payment of the current indebtedness secured by said Security Deed. The debt remaining in default, this sale will be made for the purpose of paying said indebtedness, including all accrued and unpaid interest thereon, and attorney’s fees and all expenses of said sale.
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.
The property will be sold as the property of CYNTHIA SMITH, who, to the best of the undersigned’s knowledge and belief, is the party in possession of said property.
COMMUNITY BANK & TRUST, As Attorney-in-Fact for CYNTHIA SMITH
M. KEITH YORK,
KIMZEY, KIMZEY & YORK
1070 South Main Street
P. O. Box 38
Cornelia, Georgia 30531
(706) 778-6823
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1326-60P)
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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 ROBIN D. CRAIG and JAMES H. CRAIG to M & T MORTGAGE CORPORTATION, dated May 28, 2002, recorded in Deed Book 193, Page 435, Banks County, Georgia Records, as last transferred to M & T Bank by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($170,100.00), 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 February, 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: M&T Mortgage Corporation, P.O. Box 1288, Buffalo, NY 14240. 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 Robin D. Craig and James H. Craig or a tenant or tenants and said property is more commonly known as 180 Charity Drive, Homer, Georgia 30547.
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. M & T Bank as Attorney in Fact for Robin D. Craig and James H. Craig
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net MR/cno 2/2/10
Our file no. 53141309-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in the 1210th Berlin General Militia District of Banks County, Georgia, and containing 10.00 acres, more or less, and being more particularly described according to a plat of survey for Ronald C. Puckett prepared by Max Lewallen, surveyor, on the 9th day of November, 1999, which plat, recorded in Plat Book 24, Page 154, public records of said Banks County, is by reference incorporated herein as part of this description. Together with a nonexclusive easements for ingress and egress over and along the existing roads leading from Charity Drive Road as shown on the plat of survey above. MR/cno 2/2/10 Our file no. 53141309 - FT14
(JA6,13,20,27B/12062-70T1P)

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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 JIMMY LAVERNE BEASLEY and JUDY BEASLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated February 23, 2008, recorded in Deed Book 322, Page 1, 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 347, Page 290, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-SEVEN THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($187,400.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Jimmy Laverne Beasley and Judy Beasley or a tenant or tenants and said property is more commonly known as 143 Buckeye Point, 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 Jimmy Laverne Beasley and Judy Beasley
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/abw 2/2/10
Our file no. 52883609-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th District, G.M. Banks County, Georgia, and being that 2.420 acres, more or less, designated as Lot 16, Block A, Phase 2 of Buckeye Trails Subdivision, as more particularly shown on a plat of survey entitled, “Final Plat for Phase 2 of Buckeye Trails Subdivision,” prepared by James R. Smith, Registered Surveyor, dated October 29, 2001, recorded at Plat Book 26, page 116, 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.
(JA6,13,20,27B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS IS AN ATTEMPT 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 STEVIE JEFFERY BOISCLAIR to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as Nominee for DELTA FUNDING CORP., dated September 28, 2005, recorded in Deed Book 267, Page 433, Banks County, Georgia, as last transferred to HSBC BANK USA, N.A., AS INDENTURE TRUSTEE FOR THE REGISTERED NOTEHOLDERS OF RENAISSANCE HOME EQUITY LOAN TRUST 2005-4, RENAISSANCE HOME EQUITY LOAN ASSET-BACKED NOTES, SERIES 2005-4 by assignment to be recorded __, Banks County, Georgia Records conveying the after-described property to secure a Note in the original principal amount of EIGHTY THOUSAND AND NO/100 DOLLARS ($80,000.00); 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 February 2010 the following described property:
All that tract or parcel of land together with all improvements thereon, lying and being in the 1210th GMD of Banks County, Georgia, and being designated as Tract 1, Containing 1.19 acres, more or less, and Tract 2, containing 0.81 acres, more or less, as more particularly shown on a plat of survey prepared by Max Lewallen, RLS, dated September 13, 1999, and recorded among Banks County, Georgia Records, in Plat Book 24, Page 124, said plat being incorporated herein by reference for a more full and complete description.
There being situate upon said property a dwelling known as 494 Caudell Road, according to the present system of numbering residences in Banks County, Georgia.
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: Ocwen Loan Servicing LLC, Attention Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, 877-596-8580. 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 Stevie Jeffery Boisclair or a tenant or tenants and said property is more commonly known as 494 Caudell Road, Homer, GA 30547.
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.
HSBC BANK USA, N.A., AS INDENTURE TRUSTEE FOR THE REGISTERED NOTEHOLDERS OF RENAISSANCE HOME EQUITY Loan Trust 2005-4, Renaissance Home Equity Loan Asset-Backed Notes, Series 2005-4 as Attorney in Fact for Stevie Jeffery Boisclair
Weissman, Nowack, Curry & Wilco, PC
Attn: Ocwen Team
One Alliance Center
3500 Lenox Road
Atlanta, GA 30326
/MK 12/23/2009
Our File# 015151-002504
(JA6,13,20,27P4)

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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 GEORGE V. REEVES to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated May 31, 2007, recorded in Deed Book 307, Page 27, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-EIGHT THOUSAND EIGHT HUNDRED SIXTY-TWO AND 0/100 DOLLARS ($78,862.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 George V. Reeves or a tenant or tenants and said property is more commonly known as 3377 Ga. Hwy. 63, Carnesville, Georgia 30521.
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 George V. Reeves
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/wxc 2/2/10
Our file no. 53639709-FT11
EXHIBIT “A”
All that tract or parcel of land, together with improvements thereon, lying and being in the Wilmots 1206th District G.M., Banks County, Georgia containing approximately 1.06 acres, more or less, located on the westerly side of the right-of-way of GA Hwy. 63 adjoining the lands now or formerly owned by Max Lewallan, and being more particularly described as follows: Beginning at an iron pin corner on the Westerly right of way of GA Hwy 63 at the northeastern corner of the subject property, said corner adjoining lands now or formerly owned by Lewallan, thence running north 57 degrees 10 minutes 00 seconds west, 218.49 feet to an iron corner; thence running south 26 degrees 52 minutes 10 seconds west, 209.71 feet to an iron pin; thence south 57 degrees 9 minutes 5 seconds east to the westerly right of way of GA Hwy 63; thence running along the right of way of GA Hwy. 63 an arc distance of 209.96 feet and a chord being north 26 degrees 31 minutes 35 seconds west to said of beginning and being more clearly shown and delineated on a plat of survey for “Alfred Poole” prepared by Max Lewallan, Georgia Registered Land Surveyor, dated June 28, 2001, the description as contained therein being incorporated herein as reference.
(JA6,13,20,27B/12062-80T1P)

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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 TIMOTHY EERENBERG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. as nominee for SUNTRUST MORTGAGE, INC., dated April 6, 2005, recorded in Deed Book 256, Page 609, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND NINE HUNDRED EIGHT AND 0/100 DOLLARS ($126,908.00), 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 February, 2010, the following described property:
All that tract or parcel of land lying and being Tract I in the Township of Lula (formerly Belton), Poplar Springs MIlitia District, Banks County, Georgia, and comprising 0.58 acres as shown on a plat of survey for Brenda Stephens by Patton-Patton, Inc., Registered Land Surveyors, dated August 12, 1998, recorded on Plat Slide 23, Page 79, Banks County, Georgia Plat records. Reference to said plat and the record thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Timothy Eerenberg or a tenant or tenants and said property is more commonly known as 270 Railroad Avenue, Lula, Georgia 30554. 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. SunTrust Mortgage, Inc as Attorney in Fact for Timothy Eerenberg Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/jpk 2/2/10 Our file no. 1895009-FT3
(JA6,13,20,27B/12062-60T1P)

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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 DAVID AMERSON and BRENDA AMERSON to OPTION ONE MORTGAGE CORPORATION, dated June 30, 2004, recorded in Deed Book 241, Page 115, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, N.A., as Trustee for ABFC 2004-OPT 5 Trust, ABFC Asset-Backed Certificates, Series 2004-OPT5 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIFTY-FIVE THOUSAND AND 0/100 DOLLARS ($55,000.00), 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 February, 2010, the following described property: All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 1210th District, G.M., Banks County, Georgia, containing 5.01 acres, more or less, being shown on a plat of survey prepared for David Amerson, dated June 1, 1990, prepared by Clelland A. Tyson, Registered Land Surveyor, recorded in Plat Book 15, Page 153, in the Office of the Clerk of Superior Court, Banks County, Georgia, reference being made thereto for a more complete description of the property herein described. Also conveyed herewith is a twenty foot (20’) easement for ingress and egress as shown on the aforementioned plat of survey. The residence situate on the above tract of land is known and designated as 302 Vaughn Road according to the present system of numbering residences in Banks County, Georgia.
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). American Home Mortgage Servicing Inc. can be contacted at 877-304-3100 or by writing to 6501 Irvine Center Drive, Irvine, CA 92618, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is David Amerson and Homer Amerson or a tenant or tenants and said property is more commonly known as 302 Vaughn Rd., Homer, Georgia 30547-2217. 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. Wells Fargo Bank, N.A., as Trustee for ABFC 2004-OPT 5 Trust, ABFC Asset-Backed Certificates, Series 2004-OPT5 as Attorney in Fact for David Amerson and Brenda Amerson Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/dw0 2/2/10 Our file no. 1892809-FT1
(JA6,13,20,27B/12062-70T1P)

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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 BILLY KEITH NIX and DIANNE NIX to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 13, 2007, recorded in Deed Book 307, Page 713, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND NINE HUNDRED FIFTY AND 0/100 DOLLARS ($131,950.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Billy Keith Nix and Dianne Nix or a tenant or tenants and said property is more commonly known as 2097 Westbrook Rd, Commerce, Georgia 30529. 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 Billy Keith Nix and Dianne Nix McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/abw 2/2/10 Our file no. 53679109-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in the 1206 District, G.M., Banks County, Georgia, consisting of Tract 1, containing 1.00 acre, more or less, and Tract 2 containing 5.00 acres, more or less, as shown by a plat of survey entitled “Survey for Billy Keith Nix” prepared by Max Lewallen, Registered Land Surveyor, dated August 22, 1995, recorded in Plat Book 21, Page 35, in the Office of the Clerk of the Superior Court of Banks County, Georgia. The above referred to plat is expressly by reference made a part of this deed. Subject to existing easements and rights of ways. MR/abw 2/2/10 Our file no. 53679109 - FT11
(JA6,13,20,27B/12062-70T1P)

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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 RANDALL B. STEWART and JANICE B. STEWART to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated April 28, 2006, recorded in Deed Book 280, Page 683, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-THREE THOUSAND FIVE HUNDRED EIGHT AND 0/100 DOLLARS ($173,508.00), 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 February, 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: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. 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 Randall B. Stewart and Janice B. Stewart or a tenant or tenants and said property is more commonly known as 308 Gardiner Road, Homer, Georgia 30547. 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. Wells Fargo Bank, N.A. as Attorney in Fact for Randall B. Stewart and Janice B. Stewart McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ms0 2/2/10 Our file no. 53403809-FT5
EXHIBIT “A”
All that tract or parcel of land lying and being in 265th GMD of Banks County, Georgia, and being specifically Lot 4A containing 2.59 acres, more or less, as shown and depicted on that certain Plat of Survey dated July 7, 2001, prepared for Steve Parks and Greg Gardiner by Max Lewailen, Registered Land Surveyor, which plat of survey is recorded in Plat Book 30, Page 20 in the Office of the Banks County, Georgia Clerk of Superior Court; said plat of survey is hereby incorporated herein by reference for a more complete and accurate description of the property conveyed. Together with an immovable and permanent fixture attached thereto, a 2006 Palm Harbor 32 X 68 Manufactured Modular Home, Model 68E8, Serial Number(s) PH1413741AB. Map and Parcel No. B29-037 MR/ms0 2/2/10
Our file no. 53403809 - FT5
(JA6,13,20,27B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by JEFFREY SCOTT GERRIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated December 7, 2007, in the amount of $294,000.00, and recorded in Deed Book 317, Page 331, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks 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, together with the improvements thereon, lying and being in the 284th GMD, Banks County, Georgia, designated as Tract 1, containing 5.18 acres, more or less, as shown on plat of survey prepared for Jack Irvin and Melvin Coley by Bartlett & Cash Land Surveyors, Inc., dated August 14, 2003, mapped September 4, 2003, revised March 15, 2005, recorded in the office of the office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 29, Page 82, to which said plat and the record thereof reference is hereby made for a more complete description.
This being the same property conveyed by Warranty Deed from Barney Gerrin and Mary Joan Gerrin to Jeffrey Scott Gerrin, dated January 24, 2007, recorded in the office of the Clerk of Superior Court of Banks County, Georgia, in Deed Book 299, Page 309.
which has the property address of 477 Daily Road, Alto, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Jeffrey Scott Gerrin and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Jeffrey Scott Gerrin
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-28088 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1325-60)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by CHANDLER E. SAMPLES to REG WILBANKS, dated July 24, 2008, recorded in Deed Book 329, Pages 197-199, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIVE THOUSAND DOLLARS ($5,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the door of the Courthouse of Banks County, Georgia, within the legal hours of sale on the first Tuesday in February, 2010, the following described real property:
ALL THAT TRACT or parcel of land containing 2.00 acres, more or less, in the 1210 GMD of Banks County, Georgia, and bounded now or formerly as follows: North by lands of Chan Samples, East by lands of Chan Samples, South by lands formerly of Jack Chambers, and West by lands formerly of Eugene Samples.
Said tract of land being more particularly described according to a plat of survey prepared by Max Lewallen, Surveyors, on July 22, 2008, for Chandler E. Samples, which plat is recorded in Plat Book 32, Page 36, of the public records of Banks County, and is incorporated herein as part of this description.
The debt secured by said Security Deed has been and is hereby declared due and payable 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.
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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Chandler E. Samples or a tenant or tenants.
Reg Wilbanks as Attorney in Fact for Chandler E. Samples
Gary N. Freeman
Attorney at Law
P.O. Box 10
4 Homer Street
Maysville, Georgia 30558
(706) 652-2928
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27n/c)
[Full Story »] 

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 ROBIN D. CRAIG and JAMES H. CRAIG to M & T MORTGAGE CORPORTATION, dated May 28, 2002, recorded in Deed Book 193, Page 435, Banks County, Georgia Records, as last transferred to M & T Bank by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($170,100.00), 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 February, 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: M&T Mortgage Corporation, P.O. Box 1288, Buffalo, NY 14240. 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 Robin D. Craig and James H. Craig or a tenant or tenants and said property is more commonly known as 180 Charity Drive, Homer, Georgia 30547.
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. M & T Bank as Attorney in Fact for Robin D. Craig and James H. Craig
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net MR/cno 2/2/10
Our file no. 53141309-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in the 1210th Berlin General Militia District of Banks County, Georgia, and containing 10.00 acres, more or less, and being more particularly described according to a plat of survey for Ronald C. Puckett prepared by Max Lewallen, surveyor, on the 9th day of November, 1999, which plat, recorded in Plat Book 24, Page 154, public records of said Banks County, is by reference incorporated herein as part of this description. Together with a nonexclusive easements for ingress and egress over and along the existing roads leading from Charity Drive Road as shown on the plat of survey above. MR/cno 2/2/10 Our file no. 53141309 - FT14
(JA6,13,20,27B/12062-70T1P)

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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 JIMMY LAVERNE BEASLEY and JUDY BEASLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated February 23, 2008, recorded in Deed Book 322, Page 1, 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 347, Page 290, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-SEVEN THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($187,400.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Jimmy Laverne Beasley and Judy Beasley or a tenant or tenants and said property is more commonly known as 143 Buckeye Point, 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 Jimmy Laverne Beasley and Judy Beasley
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/abw 2/2/10
Our file no. 52883609-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in the 207th District, G.M. Banks County, Georgia, and being that 2.420 acres, more or less, designated as Lot 16, Block A, Phase 2 of Buckeye Trails Subdivision, as more particularly shown on a plat of survey entitled, “Final Plat for Phase 2 of Buckeye Trails Subdivision,” prepared by James R. Smith, Registered Surveyor, dated October 29, 2001, recorded at Plat Book 26, page 116, 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.
(JA6,13,20,27B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS IS AN ATTEMPT 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 STEVIE JEFFERY BOISCLAIR to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as Nominee for DELTA FUNDING CORP., dated September 28, 2005, recorded in Deed Book 267, Page 433, Banks County, Georgia, as last transferred to HSBC BANK USA, N.A., AS INDENTURE TRUSTEE FOR THE REGISTERED NOTEHOLDERS OF RENAISSANCE HOME EQUITY LOAN TRUST 2005-4, RENAISSANCE HOME EQUITY LOAN ASSET-BACKED NOTES, SERIES 2005-4 by assignment to be recorded __, Banks County, Georgia Records conveying the after-described property to secure a Note in the original principal amount of EIGHTY THOUSAND AND NO/100 DOLLARS ($80,000.00); 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 February 2010 the following described property:
All that tract or parcel of land together with all improvements thereon, lying and being in the 1210th GMD of Banks County, Georgia, and being designated as Tract 1, Containing 1.19 acres, more or less, and Tract 2, containing 0.81 acres, more or less, as more particularly shown on a plat of survey prepared by Max Lewallen, RLS, dated September 13, 1999, and recorded among Banks County, Georgia Records, in Plat Book 24, Page 124, said plat being incorporated herein by reference for a more full and complete description.
There being situate upon said property a dwelling known as 494 Caudell Road, according to the present system of numbering residences in Banks County, Georgia.
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: Ocwen Loan Servicing LLC, Attention Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, 877-596-8580. 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 Stevie Jeffery Boisclair or a tenant or tenants and said property is more commonly known as 494 Caudell Road, Homer, GA 30547.
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.
HSBC BANK USA, N.A., AS INDENTURE TRUSTEE FOR THE REGISTERED NOTEHOLDERS OF RENAISSANCE HOME EQUITY Loan Trust 2005-4, Renaissance Home Equity Loan Asset-Backed Notes, Series 2005-4 as Attorney in Fact for Stevie Jeffery Boisclair
Weissman, Nowack, Curry & Wilco, PC
Attn: Ocwen Team
One Alliance Center
3500 Lenox Road
Atlanta, GA 30326
/MK 12/23/2009
Our File# 015151-002504
(JA6,13,20,27P4)

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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 GEORGE V. REEVES to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated May 31, 2007, recorded in Deed Book 307, Page 27, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-EIGHT THOUSAND EIGHT HUNDRED SIXTY-TWO AND 0/100 DOLLARS ($78,862.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 George V. Reeves or a tenant or tenants and said property is more commonly known as 3377 Ga. Hwy. 63, Carnesville, Georgia 30521.
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 George V. Reeves
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/wxc 2/2/10
Our file no. 53639709-FT11
EXHIBIT “A”
All that tract or parcel of land, together with improvements thereon, lying and being in the Wilmots 1206th District G.M., Banks County, Georgia containing approximately 1.06 acres, more or less, located on the westerly side of the right-of-way of GA Hwy. 63 adjoining the lands now or formerly owned by Max Lewallan, and being more particularly described as follows: Beginning at an iron pin corner on the Westerly right of way of GA Hwy 63 at the northeastern corner of the subject property, said corner adjoining lands now or formerly owned by Lewallan, thence running north 57 degrees 10 minutes 00 seconds west, 218.49 feet to an iron corner; thence running south 26 degrees 52 minutes 10 seconds west, 209.71 feet to an iron pin; thence south 57 degrees 9 minutes 5 seconds east to the westerly right of way of GA Hwy 63; thence running along the right of way of GA Hwy. 63 an arc distance of 209.96 feet and a chord being north 26 degrees 31 minutes 35 seconds west to said of beginning and being more clearly shown and delineated on a plat of survey for “Alfred Poole” prepared by Max Lewallan, Georgia Registered Land Surveyor, dated June 28, 2001, the description as contained therein being incorporated herein as reference.
(JA6,13,20,27B/12062-80T1P)

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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 TIMOTHY EERENBERG to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. as nominee for SUNTRUST MORTGAGE, INC., dated April 6, 2005, recorded in Deed Book 256, Page 609, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND NINE HUNDRED EIGHT AND 0/100 DOLLARS ($126,908.00), 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 February, 2010, the following described property:
All that tract or parcel of land lying and being Tract I in the Township of Lula (formerly Belton), Poplar Springs MIlitia District, Banks County, Georgia, and comprising 0.58 acres as shown on a plat of survey for Brenda Stephens by Patton-Patton, Inc., Registered Land Surveyors, dated August 12, 1998, recorded on Plat Slide 23, Page 79, Banks County, Georgia Plat records. Reference to said plat and the record thereof is hereby made for a more complete description of said property. 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). SunTrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Timothy Eerenberg or a tenant or tenants and said property is more commonly known as 270 Railroad Avenue, Lula, Georgia 30554. 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. SunTrust Mortgage, Inc as Attorney in Fact for Timothy Eerenberg Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/jpk 2/2/10 Our file no. 1895009-FT3
(JA6,13,20,27B/12062-60T1P)

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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 DAVID AMERSON and BRENDA AMERSON to OPTION ONE MORTGAGE CORPORATION, dated June 30, 2004, recorded in Deed Book 241, Page 115, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, N.A., as Trustee for ABFC 2004-OPT 5 Trust, ABFC Asset-Backed Certificates, Series 2004-OPT5 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIFTY-FIVE THOUSAND AND 0/100 DOLLARS ($55,000.00), 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 February, 2010, the following described property: All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 1210th District, G.M., Banks County, Georgia, containing 5.01 acres, more or less, being shown on a plat of survey prepared for David Amerson, dated June 1, 1990, prepared by Clelland A. Tyson, Registered Land Surveyor, recorded in Plat Book 15, Page 153, in the Office of the Clerk of Superior Court, Banks County, Georgia, reference being made thereto for a more complete description of the property herein described. Also conveyed herewith is a twenty foot (20’) easement for ingress and egress as shown on the aforementioned plat of survey. The residence situate on the above tract of land is known and designated as 302 Vaughn Road according to the present system of numbering residences in Banks County, Georgia.
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). American Home Mortgage Servicing Inc. can be contacted at 877-304-3100 or by writing to 6501 Irvine Center Drive, Irvine, CA 92618, to discuss possible alternatives to foreclosure. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is David Amerson and Homer Amerson or a tenant or tenants and said property is more commonly known as 302 Vaughn Rd., Homer, Georgia 30547-2217. 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. Wells Fargo Bank, N.A., as Trustee for ABFC 2004-OPT 5 Trust, ABFC Asset-Backed Certificates, Series 2004-OPT5 as Attorney in Fact for David Amerson and Brenda Amerson Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/dw0 2/2/10 Our file no. 1892809-FT1
(JA6,13,20,27B/12062-70T1P)

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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 BILLY KEITH NIX and DIANNE NIX to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 13, 2007, recorded in Deed Book 307, Page 713, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND NINE HUNDRED FIFTY AND 0/100 DOLLARS ($131,950.00), 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 February, 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, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 Billy Keith Nix and Dianne Nix or a tenant or tenants and said property is more commonly known as 2097 Westbrook Rd, Commerce, Georgia 30529. 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 Billy Keith Nix and Dianne Nix McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/abw 2/2/10 Our file no. 53679109-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in the 1206 District, G.M., Banks County, Georgia, consisting of Tract 1, containing 1.00 acre, more or less, and Tract 2 containing 5.00 acres, more or less, as shown by a plat of survey entitled “Survey for Billy Keith Nix” prepared by Max Lewallen, Registered Land Surveyor, dated August 22, 1995, recorded in Plat Book 21, Page 35, in the Office of the Clerk of the Superior Court of Banks County, Georgia. The above referred to plat is expressly by reference made a part of this deed. Subject to existing easements and rights of ways. MR/abw 2/2/10 Our file no. 53679109 - FT11
(JA6,13,20,27B/12062-70T1P)

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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 RANDALL B. STEWART and JANICE B. STEWART to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated April 28, 2006, recorded in Deed Book 280, Page 683, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-THREE THOUSAND FIVE HUNDRED EIGHT AND 0/100 DOLLARS ($173,508.00), 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 February, 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: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. 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 Randall B. Stewart and Janice B. Stewart or a tenant or tenants and said property is more commonly known as 308 Gardiner Road, Homer, Georgia 30547. 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. Wells Fargo Bank, N.A. as Attorney in Fact for Randall B. Stewart and Janice B. Stewart McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ms0 2/2/10 Our file no. 53403809-FT5
EXHIBIT “A”
All that tract or parcel of land lying and being in 265th GMD of Banks County, Georgia, and being specifically Lot 4A containing 2.59 acres, more or less, as shown and depicted on that certain Plat of Survey dated July 7, 2001, prepared for Steve Parks and Greg Gardiner by Max Lewailen, Registered Land Surveyor, which plat of survey is recorded in Plat Book 30, Page 20 in the Office of the Banks County, Georgia Clerk of Superior Court; said plat of survey is hereby incorporated herein by reference for a more complete and accurate description of the property conveyed. Together with an immovable and permanent fixture attached thereto, a 2006 Palm Harbor 32 X 68 Manufactured Modular Home, Model 68E8, Serial Number(s) PH1413741AB. Map and Parcel No. B29-037 MR/ms0 2/2/10
Our file no. 53403809 - FT5
(JA6,13,20,27B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by JEFFREY SCOTT GERRIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated December 7, 2007, in the amount of $294,000.00, and recorded in Deed Book 317, Page 331, Banks County, Georgia Records, as last transferred to Ocwen Loan Servicing, LLC by assignment, the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks 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, together with the improvements thereon, lying and being in the 284th GMD, Banks County, Georgia, designated as Tract 1, containing 5.18 acres, more or less, as shown on plat of survey prepared for Jack Irvin and Melvin Coley by Bartlett & Cash Land Surveyors, Inc., dated August 14, 2003, mapped September 4, 2003, revised March 15, 2005, recorded in the office of the office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 29, Page 82, to which said plat and the record thereof reference is hereby made for a more complete description.
This being the same property conveyed by Warranty Deed from Barney Gerrin and Mary Joan Gerrin to Jeffrey Scott Gerrin, dated January 24, 2007, recorded in the office of the Clerk of Superior Court of Banks County, Georgia, in Deed Book 299, Page 309.
which has the property address of 477 Daily Road, Alto, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Jeffrey Scott Gerrin and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
Ocwen Loan Servicing, LLC Attorney in Fact for Jeffrey Scott Gerrin
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-28088 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1325-60)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Under and by virtue of the Power of Sale contained in a Security Deed given by CHANDLER E. SAMPLES to REG WILBANKS, dated July 24, 2008, recorded in Deed Book 329, Pages 197-199, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIVE THOUSAND DOLLARS ($5,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the door of the Courthouse of Banks County, Georgia, within the legal hours of sale on the first Tuesday in February, 2010, the following described real property:
ALL THAT TRACT or parcel of land containing 2.00 acres, more or less, in the 1210 GMD of Banks County, Georgia, and bounded now or formerly as follows: North by lands of Chan Samples, East by lands of Chan Samples, South by lands formerly of Jack Chambers, and West by lands formerly of Eugene Samples.
Said tract of land being more particularly described according to a plat of survey prepared by Max Lewallen, Surveyors, on July 22, 2008, for Chandler E. Samples, which plat is recorded in Plat Book 32, Page 36, of the public records of Banks County, and is incorporated herein as part of this description.
The debt secured by said Security Deed has been and is hereby declared due and payable 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.
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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Chandler E. Samples or a tenant or tenants.
Reg Wilbanks as Attorney in Fact for Chandler E. Samples
Gary N. Freeman
Attorney at Law
P.O. Box 10
4 Homer Street
Maysville, Georgia 30558
(706) 652-2928
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27n/c)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks
& Jackson County
Because of default in the payment of the indebtedness secured by a Security Deed executed by TIMOTHY M. THOMAS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated November 7, 2006, in the amount of $147,613.00, and recorded in Deed Book 292, Page 541, Banks County, Georgia Records, and recorded on December 27, 2006, in Deed Book 46-X, Page 269 , Jackson County, Georgia Records, as last transferred to BAC Home Loans Servicing, L.P. FKA Countrywide Home Loans Servicing, L.P. by assignment; the undersigned, BAC Home Loans Servicing, L.P. FKA Countrywide Home Loans Servicing, L.P. pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks & Jackson 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 the 255th District, G.M., Jackson County, Georgia, and being that 2.889 acres, more or less, as more particularly shown on a plat of survey prepared for Abel Hernandez by Slate & Assoc., Inc., Registered Surveyor, dated October 24, 2006, recorded in Plat Book 30, Page 156, in the Office of the Clerk of the Superior Court of Banks County, Georgia, and recorded in Plat Book ____ Page ____, in the Office of the Clerk of the Superior Court of Jackson County, Georgia, and incorporated herein and made a part hereof by reference for a more detailed description.
Also: 60 foot ingress-egress easement designated as Holland Dam Road and being more particularly shown on plat of survey referenced herein above.
Also: Gravel drive easement designated on plat of survey referenced herein above.
which has the property address of 334 Holland Dam Dr., Maysville, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Timothy M. Thomas and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
BAC Home Loans Servicing, L.P. FKA Countrywide Home Loans Servicing, L.P. Attorney in Fact for Timothy M. Thomas
Anthony DeMarlo, Attorney/smitchell
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-21669 /FNMA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1325-50)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness secured by a Security Deed executed by AARON A. ABREU to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated February 25, 2003, in the amount of $93,000.00, and recorded in Deed Book 210, Page 539, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by assignment, the undersigned, BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP pursuant to said deed and the 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 in February, 2010, during the legal hours of sale, at the Courthouse door in Banks 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 207th District, G.M. Banks County, Georgia, being that 5.51 acres, more or less, designated as Tract 2 on a Plat of Survey of Glenfield Farms Subdivision, prepared by David Norris Simpson, Registered Surveyor, as per Plat recorded in Plat Book 14, Page 131, in the Office of the Clerk of the Superior Court of Banks County, Georgia, which recorded Plat is hereby incorporated herein by reference and made a part of this description.
which has the property address of 220 Borders Road, Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
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 attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Aaron A. Abreu and Sandra E. Abreu and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP Attorney in Fact for Aaron A. Abreu
Anthony DeMarlo, Attorney/ajackson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-16701 /FNMA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JA6,13,20,27B/1323-50)
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