Public Notices

Banks County Public Records 07-22-09

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in Public Notices

Friday, July 24. 2009

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 HELEN SULLIVAN to WASHINGTON MUTUAL BANK dated July 11, 2007, in the amount of $97,602.00, and recorded in Deed Book 310, Page 796, Banks County, Georgia Records, as last transferred to JPMorgan Chase Bank, National Association by assignment, the undersigned, JPMorgan Chase Bank, National Association 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 August, 2009 , 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:
The land referred to in this policy is situated in the State of GA, County of BANKS, City of COMMERCE and described as follows:
All that tract or parcel of land lying and being in GMD 1206, Banks County, Georgia, being shown and delineated as 2.15 acres, more or less, on plat of survey for James T. Seagraves and Denise N. Seagraves by Max Lewellen dated December 21, 1999 and being recorded in Plat Book 17, Page 150, Banks County, Georgia Records, said plat being incorporated herein and made reference hereto.
which has the property address of 2167 Westbrook 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 Helen Sullivan 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.
JPMorgan Chase Bank, National Association Attorney in Fact for Helen Sullivan
Anthony DeMarlo, Attorney/kcarr
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-04644 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT.
(JU8,15,22,29B/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 JOHN B. MCCALL to MORTGAGE ELECTORNIC REGISTRATION SYSTEMS, INC. dated March 26, 2007, in the amount of $89,900.00, and recorded in Deed Book 302, Page 723, Banks County, Georgia Records, as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment, the undersigned, Mortgage Electronic Registration Systems, Inc. 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 August, 2009, 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 lot, tractor parcel of land, together with improvements thereon, lying and being in the 465 G.M.D., Banks County, Georgia, and being Lots 12 and 13 as shown on the Plat of Survey by James M. Paul, Surveyor, dated 04/27/78 and recorded in Plat Book 7, at Page 71, of the Bank County, Georgia Plat Records, and which Plat is hereby incorporated by reference for a more complete description of said property. Said property is conveyed subject to the restrictions contained in the Warranty Deed recorded in Deed Book 43, at Page 227 of the Banks County, Georgia Deed Records.
2000 Hort 27X27 Manufactured Home VIN# H1792977GLR
which has the property address of 199 Jake Shubert Drive, 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 John B. McCall 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.
Mortgage Electronic Registration Systems, Inc. Attorney in Fact for John B. McCall
Anthony DeMarlo, Attorney/ajackson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-13721 /VA
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.
(JU8,15,22,29B/1325-50)

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 SARITA K. DAVIDSON f/k/a SARITA G. KING to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated April 16, 2003, in the amount of $0.00, and recorded in Deed Book 212, Page 736, Banks County, Georgia Records, as last transferred to Guaranty Bank by assignment, the undersigned, Guaranty Bank 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 August, 2009, 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 Land Lot 185 of the 10th Land District of Banks County, Georgia, containing .60 Acres, more or less, and being more fully shown on a Plat of Survey for Sarita G. King made by Holcomb Surveying, Inc., R.L.S., dated October 29, 1998, and being of record in the office of the Superior Court of Banks County Records in Plat Book 23, Page 127, said plat and being incorporated herein by reference for a more full and complete description.
which has the property address of 930 Park Ave, Baldwin, 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 Sarita K. Davidson f/k/a Sarita G. King 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.
Guaranty Bank Attorney in Fact for Sarita K. Davidson f/k/a Sarita G. King
Anthony DeMarlo, Attorney/smitchell
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-15369 /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.
(JU8,15,22,29B/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 ABEL HERNANDEZ, SR. to Bank of America, N.A., dated November 15, 2006, recorded in Deed Book 294, Page 485, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FOUR HUNDRED SEVENTEEN THOUSAND AND 0/100 DOLLARS ($417,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in August, 2009, 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 attorneys fees (notice of intent to collect attorneys 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, 475 Crosspoint Parkway, Getzville, NY 14068, 800-285-6000. 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 Abel Hernandez, Sr. and Christine L. Hernandez or a tenant or tenants and said property is more commonly known as 179 Hammer’s Glen 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.
Bank of America, N.A. as Attorney in Fact for Abel Hernandez, Sr.
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/ps1 8/4/09
Our file no. 51751109-FT7
EXHIBIT A
All that tract or parcel of land lying and being in 1210 GMD, Banks County, Georgia and being Lot 1, Block A, Unit One, Phase One, Hammer’s Glen Reserve as shown on the plat of survey recorded in Plat Book E, Page 12 of the Banks County, Georgia Plat Records. Reference to said plat and the record hereof is hereby made for a more complete description of said property.
(JU8,15,22,29B/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 HOYT TERRY TANNER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS dated June 20, 2006, and recorded in Deed Book 284, Page 349, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US Bank National Association, as Trustee for Structured Asset Securities Corporation, Series 2004-GEL1, by Assignment securing a Note in the original principal amount of $270,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, August 4, 2009, 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 all of Lot 13, Block 1, Unit 1, Proverbs Subdivision located in Poplar Springs, G.M.D. Banks County, GA as more fully shown on survey for Wendell L. Pepper and Sarah L. Pepper dated December 2, 1986, prepared by B. Keith Rochester and Associates, Reg. Sur. and being recorded in the Clerk’s Office of the Superior Court of Banks County, GA in Plat Book 12, page 70, Said plat and the record thereof are herein incorporated for a full and complete legal description.
Together with a non-exclusive easement for purposes of vehicular and pedestrian ingress and egress from Garrison Shoal County Road to subject property along right of way show on the above referenced plat. Provided however that part of Lot No. 13 which is located in the right of way of Ashley Brook Drive (60’ right of way) is excluded from this conveyance. The subdivision survey is recorded in Plat Book 7, Page 229, Banks County Records and also incorporated herein by reference.
Said property is known as 312 Ashley Brooke Dr., 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 Hoyt Terry Tanner, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Hoyt Terry Tanner, 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.
US Bank National Association, as Trustee for Structured Asset Securities Corporation, Series 2004-GEL1 as Attorney-in-Fact for Hoyt Terry Tanner
File no. 09-013708
L. J. SWERTFEGER, JR.
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Boulevard, Suite 100
Atlanta, GA 30341
(770)220-2535/CP
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(JU8,15,22,29B/1323-70T1P)

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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 that certain Security Deed, dated January 16, 2007, executed by LAWRENCE J. HOFF to MORTGAGE ELECTRONIC SYSTEMS, INC. recorded in Deed Book 298, Page 73, Banks County, Georgia Deed Records, and securing a Note in the original principal amount of $66,300.00, Mortgage Electronic Registration Systems, Inc. the current holder thereof, has declared the entire amount of said indebtedness evidenced by the Note immediately due and payable and, pursuant to the power of sale contained in said Security Deed, will, on the first Tuesday in August, 2009, to-wit: August 4, 2009, during the legal hours of sale, before the Banks County Courthouse door, sell at public outcry to the highest bidder for cash, the following described real property:
All that tract or parcel of land lying and being in the 284th District, G.M., Banks County, Georgia, and being that 3.28 acres, more or less, as more particularly shown on a plat of survey prepared for Ronald R. Silva by Bartlett & Cash Land Surveyors, Inc., Registered Surveyor, dated December 29, 1998, recorded in Plat Book 23, Page 179, 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 aforedescribed real property is also known as 212 Daily Road, Homer, Georgia, according to the present system of numbering houses in Banks County, Georgia.
This 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 as to the amount and status of the loan with the holder of the Security Deed, including but not limited to, a determination that the borrower has not reinstated the loan prior to the foreclosure sale.
Said real property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet 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 real property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
Upon information and belief, said real property is presently in the possession or control of Lawrence J. Hoff 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 Security Deed and the excess proceeds, if any, will be distributed as provided by law.
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Attorney-in-Fact for LAWRENCE J. HOFF
David W. Adams, Esquire
Ellis, Painter, Ratterree & Adams LLP
2 East Bryan Street, Suite 1001
Savannah, Georgia 31401
(912) 233-9700
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE ABOVE-REFERENCED LENDER AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.
(JU8,15,22,29B/1328-60T4P)

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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 ANGELA GARRETT to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for HOMESTAR FINANCIAL CORPORATION dated May 11, 2007, in the amount of $141,676.00, and recorded in Deed Book 305, Page 818, Banks County, Georgia Records, as last transferred to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp. by assignment, the undersigned, Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp. 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 August, 2009, 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 city of Maysville, GMD 465 of Banks County, Georgia, being designated as Lot 3, Block A of Ridgeland Subdivision, according to that Final Plat for Ridgeland prepared by W.T. Dunahoo and Associates, certified by W.T. Dunahoo, GA RLS 1577, dated October 12, 2005 and recorded in Plat Book F, Page 104, Banks County, Georgia Records, which plat is incorporated herein and made a part hereof by reference thereto for a more complete description of the property conveyed herein.
which has the property address of 127 Ridgeland Drive, 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 Angela Garrett 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.
Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp. Attorney in Fact for Angela Garrett
Anthony DeMarlo, Attorney/kjenrette
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 08-00633 /FHA
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.
(JU8,15,22,29B/1325-50)

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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 STEPHEN L. BRIDGEFORD and CHAD E. EDGE to COMMUNITY BANK & TRUST, dated June 7, 2006, which Deed is recorded among Banks County, Georgia Records in Deed Book 282, Page 821, said Security Deed being given to secure a Note dated February 4, 2008 in the original principal amount of THREE HUNDRED SIXTY TWO THOUSAND FOUR HUNDRED SIXTY TWO AND 00/100 ($362,462.00) 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 August, 2009, (August 4, 2009) the following described property, to wit:
All that tract or parcel of land lying and being in the 1210th District, G.M., Banks County, Georgia, being known as Lot 24, containing 1.00 acre, more or less, of Block A, Unit 1, Phase 1, of Hammer’s Glen “The Reserve”, as shown on a Plat of Survey entitled “Survey for Hammer’s Glen “The Reserve”, prepared by Lovell, Duvall, Miller & Associates, Inc., R.L.S., certified by Kenyon L. Miller, Georgia Registered Surveyor, No. 2595, dated December 1, 2003, recorded in Plat Book E, Page 12, 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 known as 202 Hansen Ridge, Homer, Georgia, 30547, 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 STEPHEN L. BRIDGEFORD and CHAD E. EDGE, 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 STEPHEN L. BRIDGEFORD and CHAD E. EDGE
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.
(JU8,15,22,29B/1326-60P)

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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 MITCHELL MADDOX to COMMUNITY BANK & TRUST, dated November 28, 2005, which Deed is recorded among Banks County, Georgia Records in Deed Book 271, Page 735, said Security Deed being given to secure a Note dated April 24, 2008 in the original principal amount of SEVENTY THREE THOUSAND FOUR HUNDRED SEVENTY ONE AND 66/100 ($73,471.66) 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 August, 2009, (August 4, 2009) the following described property, to wit:
All that tract or parcel of land lying and being in GMD 207, Banks County, Georgia, being 5.19 acres identified as Tract 3, Glenfield Farms, as shown on survey recorded in Plat Book 14, Page 131, Banks County, Georgia Records, more complete description of said property.
Also conveyed herewith is a 1994 Clayton Mobile Home, Mfg. ID #WHC003330GAAB.
Said property is known as 228 Borders Road, Commerce, Georgia, 30530, 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 MITCHELL MADDOX, 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 MITCHELL MADDOX
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.
(JU8,15,22,29B/1326-60P)

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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 EZRA MITCHELL MADDOX to COMMUNITY BANK & TRUST, dated July 21, 2005, which Deed is recorded among Banks County, Georgia Records in Deed Book 262, Page 828, said Security Deed being given to secure a Note dated April 18, 2009 in the original principal amount of ONE HUNDRED ELEVEN THOUSAND NINETY SIX AND 66/100 ($111,096.66) 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 August, 2009, (August 4, 2009) the following described property, to wit:
All that tract or parcel of land lying and being in the 207th G.M.D. of Banks County, Georgia, containing approximately 5.0 (five) acres, more or less, all as shown on a plat of survey for Barbara Mitchell, dated August 5th, 1993, prepared and certified by Max Jackson Lewallen, GRSL #2067, and as recorded in Plat Book 27, page 105, Banks County, Georgia records; being property commonly known as 728 Sims Bridge Road, Commerce, Georgia.
Said property is known as 728 Sims Bridge Road, Commerce, Georgia, 30530, 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 EZRA MITCHELL MADDOX, 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 EZRA MITCHELL MADDOX
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.
(JU8,15,22,29B/1326-60P)

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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 GREASY CREEK DEVELOPMENT, LLC to COMMUNITY BANK & TRUST, dated April 6, 2007, which Deed is recorded among Banks County, Georgia Records in Deed Book 303, Page 238, said Security Deed being given to secure a Note dated August 25, 2008 in the original principal amount of FOUR HUNDRED FORTY ONE THOUSAND EIGHT HUNDRED NINETY FOUR AND 19/100 ($441,894.19) 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 August, 2009, (August 4, 2009) the following described property, to wit:
All that tract or parcel of land lying and being in the 265th District, G.M., Banks County, Georgia, and being that 35.165 acres, more or less, as shown on a plat of survey for Kevin Cape, prepared by Ingram, Lord & Associates, Registered Surveyor, dated February 26, 2007, recorded in Plat Book F, Page 158, 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 known as Yonah Homer Road, Homer, Georgia, 30547, 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 GREASY CREEK DEVELOPMENT, LLC, 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 GREASY CREEK DEVELOPMENT, LLC
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.
(JU8,15,22,29B/1326-60P)

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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 GREASY CREEK DEVELOPMENT, LLC to COMMUNITY BANK & TRUST, dated July 31, 2007, which Deed is recorded among Banks County, Georgia Records in Deed Book 310, Page 245, said Security Deed being given to secure a Note dated August 25, 2008 in the original principal amount of FOUR HUNDRED FORTY ONE THOUSAND EIGHT HUNDRED NINETY FOUR and 19/100 ($441,894.19) 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 August, 2009, (August 4, 2009) the following described property, to wit:
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 17.30 acres, more or less, as designated as Tract 2 on a plat of survey prepared for Charles L. Sullivan Construction Co., Inc. by Max Lewallen, Registered Surveyor, dated April 18, 2002, recorded in Plat Book 26, Page 182, 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 known as Yonah Homer Road, Homer, Georgia, 30547, 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 GREASY CREEK DEVELOPMENT, LLC, 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 GREASY CREEK DEVELOPMENT, LLC
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.
(JU8,15,22,29B/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 VALERIE LORD and LOWELL LORD aka JAMES LORD to H & R BLOCK MORTGAGE CORPORATION, dated June 15, 2005, recorded in Deed Book 276, Page 447, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, National Association as Trustee for Securitized Asset Backed Receivables LLC 2006-OP1 Mortgage Pass-Through Certificates, Series 2006-OP1 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-NINE THOUSAND THREE HUNDRED AND 0/100 DOLLARS ($79,300.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in August, 2009, 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 attorneys fees (notice of intent to collect attorneys 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: American Home Mortgage Servicing Inc., 6501 Irvine Center Drive, Irvine, CA 92618, 877-304-3100. 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 Valerie Lord and Lowell Lord or a tenant or tenants and said property is more commonly known as 261 McEver Rd., 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.
Wells Fargo Bank, National Association as Trustee for Securitized Asset Backed Receivables LLC 2006-OP1 Mortgage Pass-Through Certificates, Series 2006-OP1 as Attorney in Fact for Valerie Lord and Lowell Lord aka James Lord
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/cg1 8/4/09
Our file no. 52362108-FT1
EXHIBIT A
All that certain property situated in city of commerce in the County of Banks, and state of GA and being described in a deed dated 01/25/1996 and recorded 01/31/1996 in Book 103, Page 231 among the land records of the county and state set forth above, and referenced as follows:
All that tract or parcel of land lying and being in Banks County, Georgia, G.M.D 207, being designated as tract 1, containing 0.69 acres, more or less, and tract 2, containing 0.38 acres, more or less, and being 1.07 acres in the aggregate according to a survey for Jimmie Ray Jacobs, Jr. and Lisa L. Jacobs, prepared by Venable and Associates, Registered Land Surveyor, said plat is recorded in Plat Book 14, Page 188, Banks County Records and is incorporated herein by reference for a more complete description, this conveyance is subject to all easement and rights of way for road and utilities now in use along with all easements and restrictions of record.
Less and except: property referenced in Book 156; Pages 86-88
All that tract or parcel of land lying and being in Banks County, Georgia, G.M.D. 207, being designated as tract two, containing 0.38 acres according to a survey for Jimmie Ray Jacobs, Jr. and Lisa L. Jacobs. Prepared by venable and associates, G.R.L.S. said plat is recorded in Plat Book 14, Page 188, Banks County Records and is incorporated herein by reference for a more complete description. This conveyance is subject to all easements and rights of way for roads and utilities now in use along with all easements and restrictions of record. Less and except that .38 acres tract conveyed to Phillup Beard and Kevin Pugh by Lowell Lord, as per that limited warranty deed dated 04/22/2000 and recorded 04/24/2000 in Book 156 and Page 86.
Parcel No. B82009
(JU8,15,22,29B/12062-90T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
and by virtue of the Power of Sale contained in a Deed to Secure Debt given by KIMBERLY D. ALMOND AND CORY B. ALMOND to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR M&T MORTGAGE CORPORATION , dated 09/26/2006, and Recorded on 10/06/2006, as Book No. 290 and Page Nos. 268-279, BANKS County, Georgia Records, as last assigned to CHASE HOME FINANCE, LLC, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $152,665.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the BANKS County Courthouse within the legal hours of sale on the first Tuesday in August, 2009, the following described property:
All that tract or parcel of land lying and being in Land Lot 207 GMD, Banks County, Georgia, containing 1.641 acres, more or less, Tract 7B, as shown on plat and survey by Ingram, Lord & Associates and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book D, Page 74, Banks County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.
The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CHASE HOME FINANCE, LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43224, 800-446-8939. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.
To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 600 CHAMBERS STREET, COMMERCE, GEORGIA 30530 is/are: KIMBERLY D. ALMOND AND CORY B. ALMOND or tenant/tenants.
Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.
CHASE HOME FINANCE, LLC as Attorney in Fact for KIMBERLY D. ALMOND AND CORY B. ALMOND.
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
20090073400928
BARRETT, DAFFIN & FRAPPIER, L.L.P.
4004 Beltline, Building 2, Suite 100
Addison, Texas 75001-4417
Telephone: (972) 341-5398.
(JU8,15,22,29P4)

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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 LARRY JULIAN BAUGH to CITIFINANCIAL SERVICES, INC. in the original principal amount of $54,456.36 dated 04/16/2008, and recorded in Deed Book 324, Page 467, Banks County Records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of August, 2009 by Citifinancial Services, Inc., as Attorney-in-Fact for Larry Julian Baugh the following described property:
All that tract or parcel of land, together with improvements thereon, situate, lying and being in GMD 912, Banks County, Georgia, containing 5.09 acres, more or less, as shown on survey for Laurel Johnson by Max LeWallen, Registered Surveyor dated November 27, 1985, recorded in the Banks County Records and being more fully described according to said LeWallen survey as follows:
Beginning at an iron pin corner on the south side of the Silver Shoals Road which point of beginning is located in a northeasterly direction 1955 feet from the right-of-way of Georgia Hwy. #51 as measured along the right-of-way of Silver Shoals Road and which beginning iron pin corner is off set 13.7 feet from the right-of-way of Silver Shoals Road and running thence along the right-of-way of Silver Shoals Road N 58 deg. 00’ E 200.2 feet to a corner; thence S 15 deg. 23’ E 518.1 feet to an iron pin corner; thence S 25 deg 52’ E 530.1 feet to an iron pin corner; thence S 70 deg. 59’W 289.0 feet to iron pin corner; thence N 15 deg. 23’ W 1000.5 feet to the point of beginning on the right-of-way of Silver Shoals Road and being the same property described and conveyed to Cleal Morris, et al to Ruth Crow dated March 8, 1978 and recorded in Deed Book 15, page 129 of the Banks County Records.
Property known as: 1469 John Morris Road, Maysville, GA 30558
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:
Citifinancial Services, Inc.
605 Munn Road
Fort Mill, SC 29715
PHONE: 877-675-3656
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 Larry Julian Baugh.
Citifinancial Services, Inc., as Attorney-in-fact for Larry Julian Baugh.
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
(JU8,15,22,29B/224-70)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
By virtue of the power of sale contained in a Security Deed from NICKOLAS CASEY TURPIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., as nominee for HOMESTAR FINANCIAL CORPORATION dated February 29, 2008, recorded in Deed Book 321, Page 682, Banks County Records, and last assigned to Chase Home Finance LLC, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTEEN THOUSAND TWO HUNDRED SIXTY AND 00/100 ($115,260.00), 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, during the legal hours of sale on the first Tuesday, August 4, 2009, the following described property, to wit:
All that tract or parcel of land, together with all improvements thereon, lying and being in the 912th G.M. District, Banks County, Georgia, being Tract D, containing 2.00 acres, as per plat recorded in Plat Book F, Page 140, Banks County, Georgia Records, which plat is incorporated herein by reference and made a part hereof.
This conveyance is made subject to restriction and/or covenants of record, if any, easements of record and existing easements and rights of way for public roads and utilities now in use.
The property commonly known as 320 Garrison Shoals Road, Lula, Georgia 30554.
Map and Parcel Number: B07-051
The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of 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, 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 Nickolas Casey Turpin or, a tenant or tenants, and said property was or is commonly known as 320 Garrison Shoals Road, Lula, GA 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.
Chase Home Finance LLC As Attorney in Fact for Nickolas Casey Turpin
Martin & Brunavs
2800 North Druid Hills Rd.
Building B, Suite 100
Atlanta, GA 30329
(404) 982-0088
M&B File No.: 09-8254
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JU8,15,22,29B/1327-50)

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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 BILLY KEITH NIX and DIANNE NIX to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 13, 2007, and recorded in Deed Book 307, Page 713, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Taylor, Bean & Whitaker Mortgage Corp., by Assignment securing a Note in the original principal amount of $131,950.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, August 4, 2009, 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 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 way.
Said property is known as 2097 Westbrook Road, Commerce, GA 30529, 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 Billy Keith Nix and Dianne Nix, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Billy Keith Nix and Dianne Nix, 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.
Taylor, Bean & Whitaker Mortgage Corp. as Attorney-in-Fact for Billy Keith Nix and Dianne Nix
File no. 09-015503
SHAPIRO & SWERTFEGER*
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]
(JU8,15,22,29B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
On January 27, 2005, DENNIS L. NEFF executed a Security Deed to STEPHENS FEDERAL BANK, which is recorded in Deed Book 252, Pages 473-492, Banks County Records. The Security Deed secured a note of even date in the original principal amount of $78,000.00.
By virtue of the power of sale contained in said Security Deed, there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Banks County, Georgia, within the legal hours of sale on the first Tuesday in August, 2009, the same being August 4, 2009, the property described in and conveyed in said deed, to-wit:
All that tract or parcel of land, together with improvements thereon, situate, lying and being in GMD 207 of Banks County, Georgia, and being Tract 49-B, 2.62 acres, as shown on that plat of survey for David Fuller, prepared by Jeff Weshner, Georgia Registered Land Surveyor, dated September 21, 1998, and recorded in Plat Book 24, Page 72, of the Banks County, Georgia Records. Said plat is incorporated herein by reference for a more complete description of the property.
LESS AND EXCEPT 1.00 acres as shown on that plat recorded in Plat Book 24, Page 73, of the Banks County, Georgia Plat Records.
TOGETHER WITH the right of ingress and egress to the above-referenced property by means of the 60-foot access easement as shown on the above-referenced plat. Said 60-foot access strip being reserved in the Warranty Deed to Georgia-Pacific Corporation recorded at Deed Book 105, Page 732, of the Banks County, Georgia Deed Records.
Also conveyed is a 1998 Sweetwater 24x66 Mobile Home bearing manufacturer’s I.D. #SHGA3894AB located on the above described property.
The debt secured by said Security Deed and Note has been and is hereby declared due because of non-payment thereof. The debt remaining in default, this sale will be made for the purpose of satisfying the same and all expenses of this sale.
This property will be sold as the property of Dennis L. Neff, his executor, administrator, heirs, beneficiaries, successors and/or assigns, as the case may be. Upon information and belief, this property is in the control of the executor, administrator, heirs at law or beneficiaries of Dennis L. Neff.
This property will be sold subject to any and all ad valorem taxes, the right of redemption of any taxing authority, any matters which might be disclosed by a current and accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and any other 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 said Security Deed.
The undersigned will execute a Deed Under Power of Sale to the purchaser at said sale as provided in the aforementioned Security Deed.
Dated this 1st day of July, 2009.
Stephens Federal Bank, Toccoa, Georgia, as Attorney in Fact for Dannis L. Neff.
DAVE STANCIL AT STEPHENS FEDERAL BANK, 2859 HWY 17 ALT., TOCCOA, GEORGIA 30577, TELEPHONE NUMBER 706-886-2111; SHALL HAVE FULL AUTHORITY TO NEGOTIATE, AMEND AND MODIFY THE TERMS OF THE MORTGAGE WITH THE DEBTOR.
McClure, Ramsay, Dickerson & Escoe, LLP
P.O. Drawer l408
Toccoa, Georgia 30577
(706) 886-3l78
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE ABOVE-REFERENCED LENDER AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.
(JU8,15,22,29P4)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
By virtue of the power of sale contained in a Deed to Secure Debt by TERESA A. RUCKER to CITIFINANCIAL SERVICES, INC., dated July 24, 2001, and filed for record August 7, 2001, in Deed Book 176, Page 395, Banks County, Georgia Records, and securing a Note in the original principal amount of $39,014.50, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Banks County, Georgia, between the legal hours of sale on the first Tuesday in August 2009, by CitiFinancial Services, Inc. as Attorney-in-Fact for Teresa A. Rucker the following property to-wit:
ALL THAT PARCEL of land in the City of Commerce, Banks County, Georgia, State of Georgia, as more fully described in Deed Book 96, Page 296, being known and designated as 207th GMD, containing 1.00 acres, more or less, being part of Lot 15, Louise Martin Division, filed in Plat Book 19, Page 148, metes and bounds property.
BY FEE SIMPLE deed from Cornelius Rucker as set forth in Deed Book 96, Page 296, dated 05/02/1995 and recorded 05/03/1995, Banks county Records, State of Georgia.
The above described property is also known as 188 Browns Bridge Lane, Commerce, GA 30530.
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 purpose of paying the same and all expenses of sale, including attorney’s fees, if applicable.
The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable.
To the best of the undersigned’s knowledge and belief, possession of the subject property is held by Teresa A. Ru

Posted by

Betty Small

in Public Notices

Thursday, May 14. 2009

Notice of Sale
Notice of Sale Under Power to Secure Debt
Georgia, Banks County
Because of the default in the payment of the indebtedness secured by a Deed to Secure Debt executed by TIMOTHY M. BROOKS to FIRST PIEDMONT BANK, dated August 3, 2007, in the original principal amount of ONE HUNDRED EIGHTY-EIGHT THOUSAND EIGHT HUNDRED AND NO/100 ($188,800.00) DOLLARS, and recorded in Deed Book 311, Pages 144-148, of the records of the Clerk of the Superior Court of Banks County, Georgia, the undersigned, 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 June, 2009, during the legal hours of sale at the Courthouse door in Banks County, Georgia, 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 1.00 acres, more or less, designated as Lot 4, on a plat of survey entitled “Old Waverly Plantation, Phase One”, prepared by Patton-Boyer, Inc., Registered Surveyor, dated April 20, 2007, recorded in Plat Book G, Page 5, 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 Lot 4, Old Waverly Plantation, Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be subject to any unpaid taxes and other assessments which may be liens against the property, including but not limited to delinquent charges for water, sewer and sanitation services. Notice has been given of the intention to collect attorney’s fees in accordance with the terms of the note and deed to secure debt. Said property will be sold as the property of Timothy M. Brooks and the proceeds will be applied to the payment of said indebtedness, the expenses and costs of sale, including attorney’s fees. Any remaining proceeds will be applied pursuant to said deed and the laws of the State of Georgia.
The undersigned will execute a deed to the purchaser at said sale as provided for in the aforementioned deed to secure debt. Said sale will divest all the right, title and interest of the maker thereof of said property and shall vest said title in the purchaser at said sale.
First Piedmont Bank As Attorney in Fact for Timothy M. Brooks
Wayne D. McLocklin
McLocklin, Murphy & Dishman, LLP
Attorneys for First Piedmont Bank
149 W. Athens Street
P. O. Box 766
Winder, Georgia 30680
(770) 867-7446
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY6,13,20,27P4)

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Notice of Sale
Notice of Sale Under Power in Deed to Secure Debt
Georgia, Banks County
Because of the default in the payment of the indebtedness secured by a Deed to Secure Debt executed by TIMOTHY M. BROOKS to FIRST PIEDMONT BANK, dated August 3, 2007, in the original principal amount of ONE HUNDRED SEVENTY THOUSAND FOUR HUNDRED AND NO/100 ($170,400.00) DOLLARS, and recorded in Deed Book 311, Pages 139-143, of the records of the Clerk of the Superior Court of Banks County, Georgia, the undersigned, 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 June, 2009, during the legal hours of sale at the Courthouse door in Banks County, Georgia, 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 1.772 acres, more or less, designated as Lot 6, on a final plat of survey for Athenas Way Subdivision prepared by Ingram, Lord & Associates, Registered Surveyor, dated August 24, 2005, recorded 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. Also a 60 foot ingress-egress easement along Walker Way Lane as more particularly shown on plat of survey referenced herein above.
Which has the property address of Lot 6, Athenas Way Subdivision, Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be subject to any unpaid taxes and other assessments which may be liens against the property, including but not limited to delinquent charges for water, sewer and sanitation services. Notice has been given of the intention to collect attorney’s fees in accordance with the terms of the note and deed to secure debt. Said property will be sold as the property of Timothy M. Brooks and the proceeds will be applied to the payment of said indebtedness, the expenses and costs of sale, including attorney’s fees. Any remaining proceeds will be applied pursuant to said deed and the laws of the State of Georgia.
The undersigned will execute a deed to the purchaser at said sale as provided for in the aforementioned deed to secure debt. Said sale will divest all the right, title and interest of the maker thereof of said property and shall vest said title in the purchaser at said sale.
First Piedmont Bank As Attorney in Fact for
Timothy M. Brooks
Wayne D. McLocklin
McLocklin, Murphy & Dishman, LLP
Attorneys for First Piedmont Bank
149 W. Athens Street
P. O. Box 766
Winder, Georgia 30680
(770) 867-7446
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(MY6,13,20,27P4)

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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 SCOTT DEAN EBERT to OPTION ONE MORTGAGE CORPORATION, a California Corporation dated November 1, 2004, in the amount of $128,000.00, and recorded in Deed Book 247, Page 501, Banks County, Georgia Records, as last transferred to Deutsche Bank, National Trust Company, as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2005-HE2 Mortgage Pass-Through Certificates, Series 2005-HE2 by assignment, the undersigned, Deutsche Bank, National Trust Company, as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2005-HE2 Mortgage Pass-Through Certificates, Series 2005-HE2 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 June, 2009, 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 all improvements thereon, situate, lying and being in the 207th District, G.M., Banks County, Georgia, designated as Lot 18, Block A, Phase 2, of Buckeye Trails Subdivision, shown by plat and survey entitled Preliminary Plan for Phase 2 of Buckeye Trails Subdivision, prepared by Cornerstone Land Surveyors, Certified by James R. Smith, GRLS No. 2407, dated January 19, 2000 as recorded in Plat Book 26, Page 116, in the Office of the Clerk of Superior Court of Banks County, Georgia records; which plat and the recording thereof are hereby incorporated herein by reference and for a more detailed description of the property.
which has the property address of 147 Buckeye Pt., 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 Scott Dean Ebert 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.
Deutsche Bank, National Trust Company, as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2005-HE2 Mortgage Pass-Through Certificates, Series 2005-HE2
Attorney in Fact for
Scott Dean Ebert
Anthony DeMarlo, Attorney/thayle
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-10517 /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.
(MY6,13,20,27B/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 DEBORAH P. GIBBS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated November 30, 2006, recorded in Deed Book 294, Page 224, 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 THIRTY-NINE THOUSAND SIX HUNDRED FIFTY AND 0/100 DOLLARS ($139,650.00), 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 June, 2009, 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 attorneys fees (notice of intent to collect attorneys 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 Deborah P. Gibbs or a tenant or tenants and said property is more commonly known as 50 North Main Street, 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.
Chase Home Finance LLC as Attorney in Fact for Deborah P. Gibbs
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/aml 6/2/09
Our file no. 51132309-FT7
EXHIBIT A
All that tract or parcel of land lying and being in the 465 Georgia militia District, Banks County, Georgia, and being more particularly described as follows:
Beginning at an Iron Pin set on the northeasterly side of North Main Street, one hundred fifty-eight and five tenths (158.5) feet southeasterly, as measured along the northeasterly side of north main street, from the intersection of North Main Street with an Iron Pin found at a Rock Wall, said point of beginning also being located at the line dividing property described herein and property now or formerly owned by Delia Bryan and Elizabeth “Lizzie” Bryan; running thence north 23 Degrees 30 Minutes east, along the southeasterly line of said Bryan property, one hundred fifty (150) feet to a point; running thence south 71 Degrees 07 Minutes east, along the northeasterly line of said Bryan property, one and four tenths (1.4) feet to a point; running thence north 18 Degrees 54 Minutes east, along the southeasterly line of said Bryan property, ninety-four and three tenths (94.3) feet to an Iron Pin found; running thence south 70 Degrees 43 Minutes east, along the southwesterly line of said Bryan property, one hundred twelve and five tenths (112.5) feet to an Iron Pin set and property now or formerly owned by Essie Jackson; running thence south 18 Degrees 54 Minutes west, along the northwesterly line of said Jackson property, two hundred forty-three and eight tenths (243.8) feet to an Iron Pin set on the northeasterly side of North Main Street; running thence north 70 Degrees 43 Minutes west, along the northeasterly side of north main street, one hundred twenty-five and nine tenths (125.9) feet to an Iron pin set and the point of beginning, being improved property having a house thereon and being more particularly shown on survey prepared by Max Lewallen, Georgia registered land surveyor no. 2067, dated August 30, 1978, revised September 26, 1978.
(MY6,13,20,27B/12062-90T1P)

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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 JONATHAN S. LYNTON to GEORGIA BUSINESS CAPITAL, INC., dated January 30, 2008, and recorded in Deed Book 320, Page 248, Banks County, Georgia Records, conveying the after-described property to secure a Note of even date in the original principal amount of $80,500.00, 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 June, 2009, to wit: June 2, 2009, the following described property:
All that tract or parcel of land lying and being in G.M.D. 371 of Banks County, Georgia, consisting of 2.60 acres, and being more fully shown as Tract #12, of Crystal Lake on a plat of survey dated April 14, 1985, revised May 14, 1985, prepared by Albert M. Wynn, Jr., Registered Surveyor. Said plat is recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Plat Book 10, Page 165. Said plat is hereby incorporated herein by reference and made a part of the property description.
LESS AND EXCEPT that portion described in Rural Road Right of Way Deed recorded in Deed Book 323, Page 723, Banks County, Georgia Records.
This conveyeance is made subject to Declaration of Covenants and Restrictions recorded in the Office of the Clerk of Superior Court of Banks County, Georgia, in Deed Book 37, Pages 732-734.
For information purposes only:
Map/Parcel ID Number: B57E-022
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 340 Lakeview Drive, Baldwin, GA 30511 is (are): Jonathan S. Lynton 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.
Georgia Business Capital, Inc. as attorney in fact for Jonathan S. Lynton
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.
FC08-1009
(MY6,13,20,27P4)

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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 BILLY F. GEE to CITIFINANCIAL SERVICES, INC. in the original principal amount of $148,280.87 dated 10/04/2005, and recorded in Deed Book 267, Page 698, Banks County Records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of June, 2009, by CitiFinancial Services, Inc., as Attorney-in-Fact for Billy F. Gee the following described property:
All that tract or parcel of land, containing 1.00 acres, more or less, in the 265th GMD of Banks County, Georgia, and bounded now or formerly as follows: North by lands of Hill; East by lands of John Milton Galloway; South by Evans Street; and West by lands of Garrison. Said tract being more particularly described according to a plat of survey prepared by Ingram, Lord & Associates, Surveyors, on March 05, 2003, for John Milton Galloway, and being shown thereon as Tract No. 1, which plat is recorded in Plat Book 27, Page 136, Banks County, Georgia Records, and is by reference incorporated herein as a part of this description.
Property known as: 338 Evans Street, Homer, GA 30547
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).
The property will be sold as the property of The Aforesaid Grantors subject to the following:
(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.
Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:
Citifinancial Services, Inc.
605 Munn Road
Fort Mill, SC 29715
PHONE: 877-675-3656
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 Billy F. Gee.
CitiFinancial Services, Inc., as Attorney-in-fact for Billy F. Gee.
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
(MY6,13,20,27B/224-60)

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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 ANGELA GARRETT to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated May 11, 2007, in the amount of $141,676.00, and recorded in Deed Book 305, Page 818, Banks County, Georgia Records, as last transferred to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp. by assignment, the undersigned, Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp. 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 June, 2009, 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 city of Maysville, GMD 465 of Banks County, Georgia, being designated as Lot 3, Block A of Ridgeland Subdivision, according to that Final Plat for Ridgeland prepared by W.T. Dunahoo and Associates, certified by W.T. Dunahoo, GA RLS 1577, dated October 12, 2005 and recorded in Plat Book F, Page 104, Banks County, Georgia Records, which plat is incorporated herein and made a part hereof by reference thereto for a more complete description of the property conveyed herein.
which has the property address of 127 Ridgeland Drive, 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 Angela Garrett 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.
Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp. Attorney in Fact for Angela Garrett
Anthony DeMarlo, Attorney/kjenrette
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 08-00633 /FHA
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.
(MY6,13,20,27B/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 RALPH PARKER to ABN AMRO MORTGAGE GROUP, INC. dated August 13, 2002, in the amount of $84,000.00, and recorded in Deed Book 199, Page 599, Banks County, Georgia Records, as last transferred to CITIMORTGAGE, INC., sbm ABN AMRO MORTGAGE GROUP, INC. by assignment, the undersigned, CitiMortgage, Inc., sbm ABN AMRO Mortgage Group, Inc. 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 June, 2009, 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 284th District, G.M. Bank County, Georgia, and being all of Lot 5 of Mountain View Estates Subdivision, as per plat recorded in Plat Book B, Page 44, Banks County Records, which plat is hereby referred to and made a part of this description.
which has the property address of 379 Caudell 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 Ralph Parker and Clara M. Parker 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.
CitiMortgage, Inc., sbm ABN AMRO Mortgage Group, Inc. Attorney in Fact for Ralph Parker
Anthony DeMarlo, Attorney/smagnuson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-04374 /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.
(MY6,13,20,27B/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 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 Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 336, Page 594, 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 June, 2009, 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 attorneys fees (notice of intent to collect attorneys 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: Countrywide Home Loans, 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, L.P. 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/jw0 6/2/09
Our file no. 5206209-FT4
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.
(MY6,13,20,27B/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 TAMORA B. BLACK to WASHINGTON MUTUAL BANK, FA dated August 4, 2004, in the amount of $340,800.00, and recorded in Deed Book 243, Page 377, Banks County, Georgia Records, as last transferred to JPMorgan Chase Bank, National Association by assignment, the undersigned, JPMorgan Chase Bank, National Association 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 June, 2009, 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 Land Lot 203 of the 10th District, Banks County, Georgia, and being Lot 1, windy Knoll Estates, containing 1.554 Acres, more or less, as per Plat of Survey prepared by for by J.R. Holland, R.S., dated 02/11/1992, recorded in Plat Book 17, Page 221, of the Public Records of Banks County, Georgia, which plat is hereby referred to and made a part hereof by reference. Note: The above described property is conveyed subject to protect covenants imposed by an Instrument dated September 13, 1985, recorded in the Office of the Clerk of the Superior Court of Banks County, Georgia, in Deed Book 35, Page 362.
which has the property address of 162 Sterling Drive, Baldwin, 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 Tamora B. Black 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.
JPMorgan Chase Bank, National Association Attorney in Fact for Tamora B. Black
Anthony DeMarlo, Attorney/lseymore
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-08510 /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.
(MY6,13,20,27B/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 ANTHONY J. RION to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 10, 2005, recorded in Deed Book 39-G, Page 412, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, NA 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 NINETY-FOUR THOUSAND ONE HUNDRED NINETY-SIX AND 0/100 DOLLARS ($94,196.00), 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 June, 2009, 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 attorneys fees (notice of intent to collect attorneys 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 Anthony J. Rion or a tenant or tenants and said property is more commonly known as 8323 Holly Springs Road, 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.
Wells Fargo Bank, NA as Attorney in Fact for Anthony J. Rion
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/tm9 6/2/09
Our file no. 5924909-FT5
EXHIBIT A
All that tract or parcel of land, together with all improvements thereon, lying and being in Jackson County, Georgia, G.M.D. 455, containing 1.8638 acres, more or less, according to a survey for Ronald Eugene and Darlene Coffman prepared by James Robert Cheatham, registered land surveyor, dated March 26, 1996, revised May 15, 1996. Said plat is recorded in Plat Book 48, Page 50, Jackson County Records and is incorporated herein by reference for a more complete description to said tract.
This conveyance is made subject to restrictions and/or covenants of record, if any, easements of record and existing easements and rights of way for public roads and utilities now in use.
(MY6,13,20,27B/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 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 June, 2009, 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 attorneys fees (notice of intent to collect attorneys 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.msplaw.com/foreclosure_sales.asp
MSP/kam 6/2/09
Our file no. 1346907-FT2
(MY6,13,20,27B/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 LORI JONES to OPTION ONE MORTGAGE CORPORATION, dated July 28, 1999, recorded in Deed Book 147, Page 60, Banks County, Georgia Records and Deed Book __, Page , __, __ County, Georgia Records, and in Deed Book __, Page __, __ County, Georgia Records, as last transferred to Wells Fargo Bank, N.A., as Trustee for Structured Asset Securities Corporation SASCO Mortgage Loan Trust 1999-BC4 Mortgage Pass-Through Certificates, Series 1999-BC4 by assignment recorded in Deed Book 332, Page 332, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FIFTY-SIX THOUSAND AND 0/100 DOLLARS ($56,000.00), 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 June, 2009, the following described property:
All that tract or parcel of land, containing 10.28 acres, more or less, in the 1464th GMD of Banks County, Georgia, bounded now or formerly as follows: North by Queen Road: East by lands of Morris; South by lands of Morris; and West by lands of Voyles and Lands of Tanner.
Said tract of land being more particularly described according to a plat of survey prepared by Venable and Associates, Surveyors, on the 26th day of February, 1993, which plat is recorded in Plat Book 17, Page 224, Public Records of Said Banks County, Georgia is by reference incorporated herein as a part of this description.
LESS AND EXCEPT:
All that tract or parcel of land lying and being in the 1464th G.M.D. of Banks County, Georgia containing 4.999 acres, more or less, as more particularly described as follows:
Beginning at a point located at the intersection of the southerly right of way of Queen Road (a 60 foot right of way) and Carson Segars Road, running thence in a westerly direction along the southerly right of way of Queen Road a distance of 1220 feet to a 1/2” rebar found; running thence south 00 degrees 21 minutes 20 seconds east a distance of 1,008.05 feet to a 1/2” rebar found; running thence north 85 degrees 11 minutes 00 seconds west a distance of 67.90 feet to an iron pin set and the true point of beginning; running thence north 85 degrees 11 minutes 00 seconds west a distance of 466.51 feet to a 1/2: rebar found; running thence north 55 degrees 51 minutes 10 seconds west a distance of 85.08 feet to a 1 1/4” pipe found; running thence north 32 degrees 30 minutes 48 seconds east a distance of 19.73 feet to a point; running thence south 62 degrees 04 minutes 41 seconds east a distance of 33.78 feet to a point; running thence north 52 degrees 15 minutes 47 seconds east a distance of 64.82 feet to a point; running thence north 19 degrees 07 minutes 54 seconds east a distance of 28.35 feet to a point; running thence north 40 degrees 59 minutes 52 seconds West a distance of 19.99 feet to a point; running thence north 87 degrees 11 minutes 03 seconds east a distance of 12.54 feet to a point; running thence south 68 degrees 36 minutes 15 seconds east a distance of 30.46 feet to a point; running thence south 24 degrees 36 minutes 32 seconds east a distance of 22.09 feet to a point; running thence south 76 degrees 45 minutes 28 seconds east a distance of 54.66 feet to a point; running thence north 53 degrees 26 minutes 22 seconds east a distance of 64.99 feet to a point; running thence south 76 degrees 54 minutes 51 seconds east a distance of 17.00 feet to a 2” pipe found running thence north 13 degrees 21 minutes 48 seconds west a distance of 474.29 feet to a 1” crimpted top pip found; running thence north 00 degrees 04 minutes 35 seconds east a distance of 375.89 feet to an iron pin set; running thence along the southerly right of way of Queen Road, North 85 degrees 51 minutes 17 seconds east a distance of 142.06 feet to an iron pin set; running thence south 10 degrees 52 minutes 58 seconds west a distance of 126.89 feet to an iron pin set; running thence south 16 degrees 50 minutes 48 seconds east a distance of 930.05 feet to an iron pin set and the true point of beginning; all as more fully set forth on that plat of survey dated May 17, 1999 prepared for Gregory F. Garland by James Robert Cheatham, Georgia registered Land Surveyor No. 1525, which property is shown as Tract 2 on that certain plat of survey recorded June 18, 1999 in Plat Book 24, Page 80, Banks County, Georgia records, which plat and the record thereof are incorporated herein by reference thereto for a more complete description thereof.
Together With:
That certain 1988 doublewide Champion Mobile home, Chappell Hill Model bearing manufacture’s serial numbers GA FLH 05A13630CH and GA FLH05B13630CH, and model numbers GEO 498345 and GEO 498344.
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 attorneys fees (notice of intent to collect attorneys 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 Lori Jones or a tenant or tenants and said property is more commonly known as 640 Queen Road, Gillsville, Georgia 30543.
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 Structured Asset Securities Corporation SASCO Mortgage Loan Trust 1999-BC4 Mortgage Pass-Through Certificates, Series 1999-BC4 as Attorney in Fact for Lori Jones
Johnson & Freedman, LLC
1587 Northeast Expressway
Atlanta, Georgia 30329
(770) 234-9181
www.msplaw.com/foreclosure_sales.asp
MSP/bar1 6/2/09
Our file no. 1420107-FT1
(MY6,13,20,27B/12062-480T1P0

gpn11
Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Because of default in the payment of an indebtedness on a Loan Agreement executed by VICTORIA E. FREE and WILLIAM D. FREE in the original principal amount of $105,300.00, secured by Deed to Secure Debt executed by VICTORIA E. FREE AND WILLIAM D. FREE dated JUNE 28, 2006, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., its successors and assigns, as nominee for CHOICE CAPITAL FUNDING, INC., and recorded JULY 5, 2006, in Deed Book 284, Page 676, Clerk, BANKS County Superior Court, and assigned to HSBC MORTGAGE SERVICES, INC., the undersigned, HSBC MORTGAGE SERVICES, INC., pursuant to said Deed and the note thereby secured has declared the entire balance outstanding on said indebtedness due and payable and pursuant to Power of Sale contained in said Deed, will on the first TUESDAY in JUNE, 2009, during the legal hours of sale, sell said property before the Courthouse door in BANKS County at public outcry to the highest bidder for CASH. The property to be sold is described in said Deed and is set forth hereinafter in full:
All that tract or parcel of land lying and being in 1580th GMD, Banks County, Georgia, being 1.49 acres, more or less, as per plat recorded in Plat Book 19, Page 43, Banks County Records, which plat is incorporated herein by reference.
This property is known as: 4340 Old Highway 441, Alto, GA 30510.
This sale will be held subject to the following additional items which may affect title to said property: all restrictive covenants, easements, rights of way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding or unpaid taxes which may be liens upon the property; all outstanding or unpaid bills and assessments for street improvements, curbing, trash collection, water, sewage and public utilities which may be liens upon 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. The entity that has full authority to negotiate, amend and modify all terms of the mortgage with the debtor is: HSBC Consumer and Mortgage Lending, 636 Grand Regency Blvd., Brandon, FL 33510, 800-365-6730, ext. 28850. Please understand that the secured creditor is not required to negotiate, amend or modify the terms of the mortgage instrument.
Said property will be sold as the property of VICTORIA E. FREE AND WILLIAM D. FREE, and the sale will be applied to the payment of said indebtedness and the expenses of said Deed, and the undersigned will execute a Deed to the purchaser at said sale as provided in the aforementioned Deed to Secure Debt which Deed will be subject to the liens and encumbrances of record. To the best of the undersigned’s knowledge, information and belief, the premises are in the possession of VICTORIA E. FREE AND WILLIAM D. FREE.
This is a communication from a debt collector. The debt collector is attempting to collect a debt, and any information obtained will be used for that purpose.
HSBC MORTGAGE SERVICES, INC. AS ATTORNEY IN FACT FOR VICTORIA E. FREE AND WILLIAM D. FREE
STEPHEN J. KNEZO
Attorney at Law
PO Box 724618
Atlanta, GA 31139
(678) 305-0043
(MY6,13,20,27P4)

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