Banks County Public Records 06-10-09 pt 1

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 JONATHAN K. PARSONS and AMANDA M. ROMERO to WELLS FARGO HOME MORTGAGE, INC. dated February 8, 2002, and recorded in Deed Book 187, Page 87, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment securing a Note in the original principal amount of $76,794.00, 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, July 7, 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 207th District, G.M., Banks County, Georgia, and being that 2.00 acres, more or less, designated as Tract 4 on a plat of survey prepared for Charles Bakunas by David L. Ringo, Sr., Registered Surveyor, dated February 24, 1999, recorded at Plat Book 24, Page 6, 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.
Subject to a 20 foot perpetual non-exclusive easement for ingress and egress as more particularly described in that Warranty Deed recorded at Deed Book 161, Page 443, Banks County, Georgia Records.
Said property is known as 292 Borders Road, Commerce, GA 30530, 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 Jonathan K. Parsons and Amanda M. Romero, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Jonathan K. Parsons and Amanda M. Romero, 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.
Wells Fargo Bank, N.A. as Attorney-in-Fact for Jonathan K. Parsons and Amanda M. Romero
File no. 09-011260
L. J. SWERTFEGER, JR.
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Boulevard, Suite 100
Atlanta, GA 30341
(770)220-2535/AB
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(JN10,17,24,JU1B/1323-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Under and by virtue of the power of sale contained in a Security Deed from DAVID J. WILLIAMS to BANK OF AMERICA, N.A., dated December 31, 1999, recorded January 19, 2000, in Deed Book 152, Page 732, Banks County, Georgia Records, said Security Deed being given to secure a Note from DAVID J. WILLIAMS of even date in the original principal amount of ONE HUNDRED ONE THOUSAND THREE HUNDRED THIRTY EIGHT AND 00/100 ($101,338.00) DOLLARS, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Banks County, Georgia, within the legal hours of sale on the first Tuesday in July, 2009, the following described property:
All that tract or parcel of land lying and being in the 207th District G.M. Banks County, Georgia, containing 18.76 acres, more or less, as fully shown on a plat of survey by Baker & Lester, R.L.S., dated 01/21/1983 and recorded in Plat Book 9, Page 100, in the Office of the Clerk of Superior Court for Banks County, Georgia.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is DAVID J. WILLIAMS or a tenant or tenants.
BANK OF AMERICA, N.A.,
as attorney in Fact for DAVID J. WILLIAMS
L. Lou Allen
Stites & Harbison, PLLC
11 Mountain Street, Suite 8
Blue Ridge, Georgia 30513
(706) 632-7923
File No. 6970A-01008
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(JN10,17,24,JU2B/16022-50T1P)

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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 ABRAHAM WESTFALL and ANGELA M. WESTFALL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., acting solely as a nominee for SunTrust Mortgage, Inc., dated March 16, 2007, recorded in Deed Book 302, Page 65, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED THIRTY-FOUR THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($234,900.00), 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 July, 2009, the following described property:
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 265th GMD, City of Homer, Banks County, Georgia, being known and designated as Lot 27, containing 1.73 acres, more or less, and being more particularly described according to a plat of survey prepared for Hidden Lake Subdivision, Phase 2, by Richard H. Holcomb, RLS, dated November 26, 2000, recorded in Plat Book C, Page 119, Banks County Records and incorporated herein; being the same property conveyed by deed recorded in Deed Book 283, Page 433, said records.
Also: all that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 265th GMD, Banks County, Georgia, and being that 0.98 of an acre, more or less, and shown as Lot No. 25A, consisting of 0.10 of an acre; Lot No. 26A, consisting of 0.42 of an acre; and Lot No. 27A, consisting of 0.10 of an acre, as more particularly shown on a plat of survey prepared for Gregory H. Clayton & Susan Kay Clayton by G. Brian Slate, RLS, dated November 7, 2003, recorded in Plat Book 28, Page 47, Banks County Records and incorporated herein being the same property conveyed by deed recorded in Deed Book 283, Page 432, said records.
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 Abraham Westfall or a tenant or tenants and said property is more commonly known as 170 Sullivan 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.
SunTrust Mortgage, Inc. as Attorney in Fact for Abraham Westfall and Angela M. Westfall
Johnson & Freedman, LLC
1587 Northeast Expressway
Atlanta, Georgia 30329
(770) 234-9181
www.msplaw.com/foreclosure_sales.asp
MSP/rwm 7/7/09
Our file no. 1379309-FT2
(JN10,17,24,JU1B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by JERALD S. LINGL and SANDRA ROBERTSON to HOMEBANC MORTGAGE CORPORATION, dated July 10, 2007, recorded in Deed Book 309, Page 724, Banks County, Georgia Records, as last transferred to 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 July, 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, 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 7/7/09
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.
(JN10,17,24,JU1B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by CLYDE L. CHASTAIN and MARY ELIZABETH CHASTAIN to OPTION ONE MORTGAGE CORPORATION, dated November 29, 2005, recorded in Deed Book 271, Page 644, Banks County, Georgia Records, as last transferred to Liquidations Property Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-NINE THOUSAND NINE HUNDRED THIRTY AND 0/100 DOLLARS ($179,930.00), 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 July, 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 Clyde L. Chastain and Mary Elizabeth Chastain or a tenant or tenants and said property is more commonly known as 148 Manor Pl., 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.
Liquidations Property Inc. as Attorney in Fact for Clyde L. Chastain and Mary Elizabeth Chastain
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/mhd 7/7/09
Our file no. 51228406-FT1
EXHIBIT A
All that tract or parcel of land lying and being in the 207th District, G.M., Banks County, Georgia, and being that 1.196 acres, more or less, designated as Lot 14, on a final Plat of survey for Morgan manor prepared by Landmark Engineering Corporation, registered surveyor, dated August 7, 2004, recorded in Plat Book E, Page 82, in the office of the clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description. Also: 60 foot ingress-egress along the right of way of manor drive and manor place as more particularly shown on Plat of survey referenced herein above. Subject to protective covenants for Morgan manor Subdivision recorded in Deed Book 260, Page 108, Banks County, Georgia Records.
(JN10,17,24,JU1B/12062-70T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by RENEE JACKSON to CENDANT MORTGAGE CORPORATION, dated November 3, 2004, recorded in Deed Book 251, Page 596, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-FOUR THOUSAND FIFTY AND 0/100 DOLLARS ($134,050.00), 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 July, 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: PHH Mortgage Corporation, Mailstop SV01, 4001 Leadenhall Rd., Mount Laurel, NJ 08054, 800-750-2518. 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 Renee Jackson and Renee Jackson or a tenant or tenants and said property is more commonly known as 155 Buckeye Trails, 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.
PHH Mortgage Corp fka Cendant Mortgage Corporation as Attorney in Fact for Renee Jackson
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/mhd 7/7/09
Our file no. 52327507-FT1
EXHIBIT A
A parcel of land located in the 207th District, G.M., County of Banks, State of Georgia, and known as:
Being Lot Number 15, Block D in Buckeye Trails Subdivision as shown in the recorded plat/map thereof in Plat Book 26, Page 116 of Banks County Records.
(JN10,17,24,JU1B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by MARY M. JASTRZEMSKI to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. as nominee for CORNERSTONE LENDERS LLC., dated October 10, 2006, recorded in Deed Book 291, Page 579, Banks County, Georgia Records, as last transferred to Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2006-6 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($126,100.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, the following described property:
All that tract or parcel of land lying and being in the 912 G.M.D. of Banks County, Georgia consisting of 0.68 acres, all as more fully shown by Plat of survey by Bartlett & Cash Land Surveyors, Inc., dated October 20, 1992, recorded in Plat Book 17, Folio 154, in the office of the clerk of Superior Court of Banks County, Georgia, said Plat being referred to and incorporated herein for a more complete description.
APN B17-132
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).
Saxon Mortgage Services, Inc. can be contacted at 888-325-3502 or by writing to 4709 Mercantile Drive North, Fort Worth, TX 76137, 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 Mary M. Jastrzemski or a tenant or tenants and said property is more commonly known as 2968 GA Hwy. 51, 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.
Deutsche Bank National Trust Company, as Trustee for NovaStar Mortgage Funding Trust, Series 2006-6 as Attorney in Fact for Mary M. Jastrzemski
Johnson & Freedman, LLC
1587 Northeast Expressway
Atlanta, Georgia 30329
(770) 234-9181
www.msplaw.com/foreclosure_sales.asp
MSP/ak0 7/7/09
Our file no. 1226009-FT1
(JN10,17,24,JU1B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by JERRY R. MILLER and CATHY A. MILLER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated January 19, 2005, recorded in Deed Book 252, Page 183, Banks County, Georgia Records, as last transferred to Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-ONE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($81,900.00), 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 July, 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, 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 Jerry R. Miller and Cathy A. Miller or a tenant or tenants and said property is more commonly known as 7004 County Line Drive, Lula, Georgia 30554.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Countrywide Home Loans Servicing LP as Attorney in Fact for Jerry R. Miller and Cathy A. Miller
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/eag 7/7/09
Our file no. 52861506-FT4
EXHIBIT A
All that tract or parcel of land lying and being in Poplar Springs District, Banks County, Georgia, containing 0.29 acres, more or less as per plat recorded in Plat Book 21, Page 203, of the Banks County Deed Records, which plat is incorporated herein by reference for a more complete description of said property.
(JN10,17,24,JU1B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by JOHN E. NEILSON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated February 26, 2008, recorded in Deed Book 321, Page 604, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY-SEVEN THOUSAND TWO HUNDRED AND 0/100 DOLLARS ($97,200.00), 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 July, 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: Flagstar Bank, F.S.B., 5151 Corporate Drive, Troy, MI 48098, 800-945-7700. 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 John E. Neilson or a tenant or tenants and said property is more commonly known as 147 Wofford Creek Ln., Baldwin, Georgia 30511.
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.
Mortgage Electronic Registration Systems, Inc. as nominee for Flagstar Bank, FSB as Attorney in Fact for John E. Neilson
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/cj 7/7/09
Our file no. 51349909-FT2
EXHIBIT A
All that tract or parcel of land together with improvements thereon situated, and being in the 1580th GMD, Banks County, Georgia, and being known as Tract 1 of Smoke Rise Two Subdivision, containing 1.73 acres, more or less, as shown on a plat of survey prepared by Barlett & Cash Land Surveyors, GRLS, dated April 7, 1995, recorded in Plat Book 19, Page 148, Banks County, Georgia Records, referenced to said plat being incorporated herein for a more full and complete description on the subject property.
Also conveyed herein is that certain ingress/egress easement as shown on the above referenced plat, and also as will be more specifically defined by agreement recorded at Deed Book 66, Page 195, Banks County, Georgia Records.
(JN10,17,24,JU1B/12062-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by 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 July, 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/klh 7/7/09
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.
(JN10,17,24,JU1B/12062-90T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by JAMES EDDIE BAKER, SR. to SUNTRUST BANK, dated March 19, 2001, recorded in Deed Book 171, Page 850, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 171, Page 866, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY THOUSAND AND 0/100 DOLLARS ($140,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia within the legal hours of sale on the first Tuesday in July, 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/jas 7/7/09
Our file no. 1346907-FT2
(JN10,17,24,JU1B/12062-60T1P)

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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 BOBBY MOSLEY to CITIFINANCIAL SERVICES, INC. in the original principal amount of $21,388.01 dated 08/09/2006, and recorded in Deed Book 286, Page 749, 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 July, 2009 by CitiFinancial Services, Inc., as Attorney-in-Fact for Bobby Mosley the following described property:
All that tract or parcel of land lying and being in G.M. District 207, Banks County, Georgia, being Lot 25 of Hudson River Estates Subdivision, comprising of 26.29 acres, as shown on subdivision plat recorded in Plat Book A, Page 33, of the Banks County Records; which plat is incorporated herein by reference for a more complete description of the subject property.
Property known as: 731 Borders Road, 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 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; (6) a Security Deed to Mortgage Electronic Registration Systems, Inc. as nominee for SunTrust Mortgage, Inc. recorded in Deed Book 238 Page 356 aforesaid records; and (7) 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 Bobby Mosley.
CitiFinancial Services, Inc., as Attorney-in-fact for Bobby Mosley.
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
(JN10,17,24,JU1B/224-50)

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Thorne Estate
Probate Court
of Banks County
Notice
(For Discharge from Office and all Liability)
Re: Petition of SARA JEAN CAUDELL THORNE for Discharge as Executor of the estate of STEPHEN JAMES THORNE, deceased.
Be Further Notified: All objections to the petition must be in writing, setting forth the grounds of any such objections. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.
Betty Thomas
Probate Judge
By: Kathy Hill
Probate Clerk/Deputy Clerk
Banks County Probate Court
144 Yonah Homer Rd.
Suite 7
Homer, GA 30547
706-677-6250
(JN10P1)

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Blalock Estate
Notice to Debtors
and Creditors
All creditors of the Estate of SUDIE L. KESLER BLALOCK, deceased, late of Banks County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
THIS 29 day of May, 2009.
Jerry R. Blalock
Executor/Administrator
4686 Highway 63
Carnesville, Georgia 30521
(JN10,17,24,JU1P4)

Gpn10
Citation
Georgia, Banks County
Estate No. 2009-30
In Re: Petition of GENELL CARLAN for Temporary Letters of Guardianship
Estate of: HARLEY THOMAS SHADRICK, Minor
To: OPEL MARIE CARLAN
You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to the Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than 14 days after this notice is mailed, or 10 days after this notice is personally served upon you, or ten days after the second publication of this notice, if you are served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court personnel at the below address/telephone number for the required amount of filing fees.
NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as guardian(s), or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be held at a later date in the Probate Court of Banks County courtroom.
Betty Thomas, Probate Judge
By: Kathy Hill
Probate Clerk/Deputy Clerk
Banks County Probate Court
144 Yonah Homer Rd., Ste. 7
Homer, GA 30547
706-677-6250
(JN3,10P2)

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Trade Name
Trade Name Registration
Book 1, Page 27
State of Georgia
County of Banks
The undersigned does hereby certify that they are conducting a business at 1600 Amphitheatre Parkway, Mountain View, GA 94043, in the City of __, County of Banks, State of Georgia, under the name of GOOGLE CHECKOUT and that the type of business to be conducted is internet commerce and any act or activity for which corporations may be organized and said business is composed of the following corporation:
Google Payment Corp.
1600 Amphitheatre Parkway
Mountain View, CA 94043
This affidavit is made in accordance with the Official Code of Georgia Annotated, Title 10, Chapter 1, Section 490.
By: Tracy Wilk, Chief Compliance Officer
Google Payment Corp.
(JN3,10P2)

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Montgomery Estate
Notice to Debtors and Creditors
All creditors of the Estate of DORA ALLENE MONTGOMERY, deceased, late of Banks County, Georgia, are hereby notified to render an account of their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
THIS 21 day of May, 2009.
Flora H. Wade
Executor/Administrator
3691 Hwy. 51 South
Lula, GA
(JN3,10,17,24P4)

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Advertisement for Bids
Federal Project No. CSSTP-M003-00 (965) 01
Banks, Franklin, Stephens Counties
Sealed proposals for furnishing all labor, material, equipment and other things necessary for the following work will be received by the undersigned at the 0Department of Transportation, One Georgia Center, 600 West Peachtree St., NW, Atlanta, Georgia, 30308, until 11:00 a.m., June 19, 2009 and publicly opened.
12.634 miles of milling, plant mix resurfacing and shoulder reconstruction on SR 63 beginning at SR 184 and extending to US 123/SR 365/SR 419.
(E)
Contract Time: 5/31/10; Proposal Guaranty: 5%; District Office: Gainesville; Price of Plans: $ included in proposal; DBE: 7.00
Plans and specifications may be inspected at the district office as indicated. Copies of the standard specifications ($20.00), and the proposal form ($10.00), may be obtained from the State Transportation Office Engineer at the One Georgia Center, 600 West Peachtree St., NW, in Atlanta, telephone number (404) 631-1215. Plans are available as indicated. Payment of the correct amount must be made within 30 days of billing; such payments are not refundable.
Payment will be made to the contractor each calendar month based on the estimated work complete in place as prescribed by the standard specifications.
The state reserves the right to reject any or all bids.
Gerald M. Ross, PE Commissioner/Chief Engineer
Department of Transportation
(JN3,10B/271-30T2)

Gpn06
Inc. Notice
Notice of Intent
to Incorporate
Notice is given that Articles of Incorporation which will incorporate CRAWLING TORTUGA VENTURES, INC. will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code (O.C.G.A. Sec. §14-2-201.1).
The initial registered office of the corporation will be located at 32 Jack Heard Road, Suite 230, Dawsonville, Georgia 30534, and its initial registered agent at such address is R. Ridgely Rairigh, Jr., Esq.
(JN3,10P2)

Gpn07
Baker Estate
Notice to Debtors
and Creditors
All creditors of the Estate of GLENN STEPHEN BAKER, deceased, late of Banks County, Georgia, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.
This 4th day of May, 2009.
Kenneth James Baker, Administrator of the Glenn Stephen Baker Estate
c/o Roger J. Bauer, Attorney
P.O. Box 67
Buford, GA 30515-0067
(MY20,27,JN3,10P4)

GPN15
Name Change
Notice of Petition
to Change Name
In the Superior Court
of Banks County
State of Georgia
In the Interest of: BERYLE ANN MACIAS
Civil Action No. 09CV218B
Petitioner files this petition to change name and shows the following:
Petitioner is BERYLE ANNE MACIAS, who resides at 624 Wheeler St., Alto, Banks County, Georgia. Petitioner is age of majority. Petitioner desires to change her name from BERYLE ANN MACIAS to BERYLE ANN MARTIN. The reason for such a change is desires to use maiden name due partly to divorce. This petition is not submitted with the intention of defrauding another of any rights. Wherefore, petitioner prays that her name be changed from Beryle Ann Macias to Beryle Ann Martin.
(MY20,27,JN3,10P4n/c)