BanksNewsTODAY

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 N. JEAN HERRING and THERESIA A. HUMPHREY to FIRST NATIONAL BANK OF GAINESVILLE d/b/a THE MORTGAGE SOURCE, dated July 2, 1991, and recorded in Deed Book 66, Page 382, Banks County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Regions Mortgage, Inc., by Assignment, securing a Note in the original principal amount of $54,300.00, 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, September 7, 2010, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in Grove River G.M.D. #1464, Banks County, Georgia, containing 1.259 acres, and more particularly described as follows:
BEGINNING at an iron pin found on the northeasterly right-of-way of the Southern Railroad (a 100-foot right-of-way), South 49 degrees 20 minutes 57 seconds East 595.13 feet from the centerline intersection of Hooper Road and County Line Road; running thence North 44 degrees 44 minutes 29 seconds East 264.04 feet to an iron pin found; thence South 36 degrees 31 minutes 44 seconds East 225.07 feet to an iron pin found; thence South 49 degrees 15 minutes 43 seconds West 247.41 feet to an iron pin found on the said right-of-way Southern Railroad; thence along said right-of-way North 40 degrees 32 minutes 17 seconds West 203.65 feet (R= 2594.32 feet; A =203.70 feet) to an iron pin found and the POINT OF BEGINNING, as shown on plat of survey for N. Jean Herring and Theresia A. Humphrey, by Henry Bailey, Georgia R.L.S. 1586, dated July 2, 1991, which survey is incorporated herein by reference and made a part hereof.
Said property is known as 324 School Street, Gillsville, GA 30543, 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 N. Jean Herring and Theresia A. Humphrey, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of N. Jean Herring and Theresia A. Humphrey, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.
Regions Bank DBA Regions Mortgage successor by merger with Regions Mortgage, Inc. as Attorney-in-Fact for N. Jean Herring and Theresia A. Humphrey
File no. 10-004919
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100?Atlanta, GA 30341-3941
(770)220-2535/ASR
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(AU11,18,25,SE1B/1323-70T1P)

gpn11
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 SAILERS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. in the original principal amount of $72,000.00 dated 04/10/2008, and recorded in Deed Book 324, Page 489, Banks County Records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of September, 2010 by CitiMortgage, Inc., as Attorney-in-Fact for Billy Sailers the following described property:
All that tract or parcel of land, lying and being in Land Lots 218 and 219 of the 10th District of Banks County, Georgia, and being all of Lot 1 of Hidden Valley Subdivision as shown on subdivision plat recorded in Plat Book 15, Page 143 of the Banks County Records, which plat is incorporated herein by reference as part of this description. This conveyance is made subject to the Declaration of Protective and Restrictive Covenants for Hidden Valley Subdivision, dated May 30, 1990 and recorded in Deed Book 59, Pages 450-454 of the Banks County Records. This conveyance is made subject to building set back lines as shown on the above-referenced subdivision plat and subject to a 30-foot ingress and egress easement on the Northerly boundary of subject property as shown on the above-referenced subdivision plat. Land Lots 218 and 219, 10th District Tax Id: 057/0476.
Property known as: 181 Hidden Vally Dr, Alto, GA 30510
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).
The property will be sold as the property of The Aforesaid Grantors subject to the following:
(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.
Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:
CitiMortgage, Inc.
1000 Technology Drive
O’Fallon, MO 63368
PHONE: 866-272-4749
Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.
To the best of the undersigned’s knowledge and belief, the party in possession is Billy Sailers.
CitiMortgage, Inc., as Attorney-in-fact for Billy Sailers.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
Pendergast & Associates, P.C.
South Terraces, Suite 1000
115 Perimeter Center Place
Atlanta, GA 30346
Phone – (770) 392-0398
Toll Free – (866) 999-7088
www.penderlaw.com
Our File No. 10-06022
(AU11,18,25,SE1B/224-60)

gpn11
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 VINCENT MARTIN and KIMBERLY MARTIN and aka ANDREW MARTIN to CITIFINANCIAL MORTGAGE COMPANY, INC. in the original principal amount of $116,585.81 dated 12/06/2005, and recorded in Deed Book 272, Page 552, 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 September, 2010 by CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-Fact for Vincent Martin and Kimberly Martin and aka Andrew Martin the following described property:
All that tract or parcel of land lying and being in 465th GMD of Banks County, Georgia, being 1.53 acres, more or less, as shown on that particular survey entitled “Survey for Andrew Martin and Kimberly Martin” dated January 26, 1996, prepared by Max Lewallen, Georgia RLS No. 2057, and being more particularly described as follows:
To locate the point of beginning, commence at a point at the intersection of the centerlines of Georgia Highway 52 and East Freeman Street; thence running North 11 degrees 04 minutes East a distance of 539.4 feet to an iron pin set, and the point of beginning, located on the westerly right of way of East Freeman Street; thence running North 89 degrees 39 minutes West a distance of 203.64 feet to an iron pin set; thence running North 12 degrees 51 minutes East a distance of 51.67 feet to an iron pin found; thence running North 00 degrees 58 minutes East a distance of 228.48 feet to an iron pin set; thence running North 88 degrees 34 minutes East a distance of 275.92 feet to an iron pin set, located on the westerly right of way of East Freeman Street; thence running South 16 degrees 58 minutes West a distance of 300.00 feet to an iron pin set and the point of beginning.
The 1.53 acres, more or less, being sold pursuant to power is the same property described in that certain warranty deed from Genelle Hooper to Andrew Martin and Kimberly Martin recorded April 30, 1986, in Deed Book 106, Page 4, Banks County, Georgia records, and in that certain Security Deed from Andrew Martin, n/k/a Vincent Martin and Kimberly Martin to Citifinancial Mortgage Company, Inc. recorded December 15, 2005 in Deed Book 272, Page 552, Banks County, Georgia Records, and being a portion of the property described as Tract 1 in Plat Book 14, Page 198, Banks County, Georgia records.
Property known as: 143 East Freeman Street, 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:
CitiMortgage, Inc.
4050 Regents Blvd.
Irving, TX 75063
PHONE: 866-450-3172
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 Vincent Martin and Kimberly Martin and aka Andrew Martin.
CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-fact for Vincent Martin and Kimberly Martin and aka Andrew Martin.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
Pendergast & Associates, P.C.
South Terraces, Suite 1000
115 Perimeter Center Place
Atlanta, GA 30346
Phone – (770) 392-0398
Toll Free – (866) 999-7088
www.penderlaw.com
Our File No. 10-04171
(AU11,18,25,SE1B/224-80)

gpn11
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 OSCAR LEE PETE ELLIS, III and HEATHER LYNN ELLIS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. in the original principal amount of $168,500.00 dated 01/05/2008, and recorded in Deed Book 319, Page 201, Banks County Records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 344, Page 283, 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 September, 2010 by CitiMortgage, Inc., as Attorney-in-Fact for Oscar Lee Pete Ellis, III and Heather Lynn Ellis the following described property:
All that tract or parcel of land lying and being in 912 GMD of Banks County, Georgia, containing 4.00 acres, more or less, as shown on plat of survey prepared by Richard H. Holcomb, RS, dated June 30, 2005, revised July 16, 2005, said plat being of record among Banks County, Georgia Records in Plat Book 29, Page 163, the same being incorporated herein for a more full and adequate description.
Also conveyed is a perpetual, non-exclusive, right of ingress and egress over and through a 20’ easement from Jack Drive to the above described property.
Property known as: 148 Elk Drive, Lula, GA 30554
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).
The property will be sold as the property of The Aforesaid Grantors subject to the following:
(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.
Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:
CitiMortgage, Inc.
1000 Technology Drive
O’Fallon, MO 63368
PHONE: 866-272-4749
Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.
To the best of the undersigned’s knowledge and belief, the party in possession is Oscar Lee Pete Ellis, III and Heather Lynn Ellis.
CitiMortgage, Inc., as Attorney-in-fact for Oscar Lee Pete Ellis, III and Heather Lynn Ellis.
This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.
Pendergast & Associates, P.C.
South Terraces, Suite 1000
115 Perimeter Center Place
Atlanta, GA 30346
Phone – (770) 392-0398
Toll Free – (866) 999-7088
www.penderlaw.com
Our File No. 09-5247
(AU11,18,25,SE1B/224-60)

gpn11
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 GARY N. FREEMAN to REGIONS MORTGAGE, INC., dated March 26, 2001, and recorded in Deed Book 169, Page 873, Banks County Records, securing a Note in the original principal amount of $176,000.00, 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, September 7, 2010, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in the 465th G.M.D. of Banks County, Georgia, on the East side of Homer Street, as shown and delineated on Plat of survey prepared for John Kevin Roberts by Roy A. Terrell, Ga. Reg. Land Surveyor, dated July 28, 1986, a copy of said plat being recorded in Plat Book 11, Page 199, in the Clerk’s Office of the Superior Court of Banks County, Georgia, and being more particularly described according to said Terrell survey as follows:
BEGINNING at an iron pin found on the easterly right of way of Homer Street, which iron pin lies a tieline South 07’22” East 385.77 feet from the centerline intersection of Ridgeway Road and State Route 98; thence from said Point of Beginning, running along the easterly right of way of Homer Street, North 03’45”West 104.32 feet to an iron pin set; thence North 86’30” East 204.13 feet to an iron pin set; thence South 03’45’ East 104.33 feet to an iron pin found; thence South 86’30” West 204.13 feet to the Point of Beginning.
Said property is known as 30 Homer Street, Maysville, GA 30558, together with all fixtures and personal property attached to and constituting a part of said property, if any.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.
Said property will be sold as the property of Gary N. Freeman, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Gary N. Freeman, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.
Regions Bank DBA Regions Mortgage successor by merger with Regions Mortgage, Inc. as Attorney-in-Fact for Gary N. Freeman
File no. 10-006059
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100?Atlanta, GA 30341-3941
(770)220-2535/ASR
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(AU11,18,25,SE1B/1323-70T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness, secured by a Security Deed executed by JAMES HOLBROOKS, JR. to ALLIANCE FUNDING, a Division of SUPERIOR BANK FSB dated December 3, 1999, in the amount of $94,787.00, and recorded in Deed Book 151, Page 583, Banks County, Georgia Records; as last transferred to LaSalle Bank National Association (“Assignee”), formerly known as LaSalle National Bank, in its capacity as indenture trustee under that certain Sale and Servicing Agreement dated December 1, 1999 among AFC Trust Series 1999-4, as Issuer, Superior Bank FSB, As seller and servicer and lassale Bank National Association, asindenture trustee AFC mortgage Loan asset backed notes series 1999-4 and any amendments thereto by assignment; the undersigned, LaSalle Bank National Association (“Assignee”), formerly known as LaSalle National Bank, in its capacity as indenture trustee under that certain Sale and Servicing Agreement dated December 1, 1999 among AFC Trust Series 1999-4, as Issuer, Superior Bank FSB, As seller and servicer and lassale Bank National Association, asindenture trustee AFC mortgage Loan asset backed notes series 1999-4 and any amendments thereto 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 September, 2010, during the legal hours of sale, at the Courthouse door in Banks County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:
All that tract or parcel of land lying and being in the 1580th GMD, Banks County, Georgia, containing 5.13 acres, more or less, as per plat of survey for Land Headquarters, Inc. (Atlanta), Hayes Tract, prepared by Piedmont Surveying Company, Sherald G. Sharp, GA RLS dated 11/19/92, which said plat is incorporated herein by reference for a more complete and detailed description of the property conveyed. According to said plat, the property is more particularly described as follows: BEGINNING at an iron pin set in the set in the center of unpaved County Road 86, 779.93 feet East of its intersection with U.S. Highway 411 thence North 36 Degrees 43 Minutes 49 Seconds West 611.20 feet to an iron pin; thence North 58 Degrees 10 Minutes 00 Seconds West 212.65 feet to an iron pin; thence North 64 Degrees 36 Minutes 15 Seconds East 375.60 feet to an iron pin; thence South 6 Degrees 37 Minutes 11 Seconds East 58.92 feet to an iron pin; thence South 13 Degrees 35 Minutes 39 Seconds West 113.34 feet to an iron pin; thence South 64 Degrees 45 Minutes 22 Seconds East 521.74 feet to an iron pin in the center line of said unpaved County Road 86; thence South 46 Degrees 49 Minutes 08 Seconds West 106.83 feet to an iron pin; thence South 20 Degrees 53 Minutes 00 Seconds West 76.91 feet; thence South 02 Degrees 11 Minutes 00 Seconds East 153.35 feet to an iron pin; thence South 33 Degrees 47 Minutes 00 Seconds West 45.68 feet to an iron pin; thence South 64 Degrees 57 Minutes 00 Seconds West 76.61 feet to an iron pine; thence South 86 Degrees 18 Minutes 00 Seconds West 51.01 feet to the BEGINNING iron pin.
which has the property address of 357 Moss Mill 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 James Holbrooks, Jr. 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.
LaSalle Bank National Association (“Assignee”), formerly known as LaSalle National Bank, in its capacity as indenture trustee under that certain Sale and Servicing Agreement dated December 1, 1999 among AFC Trust Series 1999-4, as Issuer, Superior Bank FSB, As seller and servicer and lassale Bank National Association, asindenture trustee AFC mortgage Loan asset backed notes series 1999-4 and any amendments thereto Attorney in Fact for James Holbrooks, Jr.
Anthony DeMarlo, Attorney/kgrant
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 08-02068 /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.
(AU11,18,25,SE1B/1325-90)

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 September, 2010, the following described property:
All that tract or parcel of land lying and being in the GMD 912th Banks County, Georgia, consisting of 1.68 acres, more or less, and being more particularly described according to a plat of survey prepared by Max Lewallen, Registered Surveyor, dated February 19, 1987, and recorded in Plat Book 21, Page 194, Banks County, Georgia Records. Reference to said plat and the recording thereof is hereby made for a more complete description of said property.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
Suntrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is James E. Baker or a tenant or tenants and said property is more commonly known as 4341 Hwy 51 S, Lula, Georgia 30554. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
SunTrust Mortgage, Inc. as Attorney in Fact for James Eddie Baker, Sr.
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/kns 9/7/10 Our file no. 1346907-FT19
(AU11,18,25,SE1B/19698-60T1P)

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 MINNIE I. WEST and HERBERT L. WEST to FT MORTGAGE COMPANIES D.B.A. HOMEBANC MORTGAGE CORPORATION, dated September 1, 1999, recorded in Deed Book 148, Page 553, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-FIVE THOUSAND EIGHT HUNDRED AND 0/100 DOLLARS ($75,800.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: MetLife Home Loans, 4000 Horizon Way Mail Stop 6205, Irving, TX 75063, 800-364-7662. 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 Minnie I. West and Herbert L. West or a tenant or tenants and said property is more commonly known as 351 Water Plant Rd, Commerce, Georgia 30529. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Metlife Home Loans as Attorney in Fact for Minnie I. West and Herbert L. West McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jn2 9/7/10
Our file no. 52170310-FT17
EXHIBIT “A”
All that tract or parcel of land situate, lying and being in the 465th District, G.M., Banks County, Georgia designated as Lot 4, as shown on a plat of survey entitled “Survey for Minnie L. West and Herbert I. West”, prepared by Paul & Evans Land Surveying, Inc., certified by Thomas R. Paul, Georgia Registered Surveyor No. 2474, dated September 1, 1999 and being of record in the Office of the Clerk of the Superior Court for Banks County, Georgia in Plat Book 24, page 123, which said plat and the recording thereof are by reference incorporated herein for a more complete and detailed description. The Grantor/Borrower represents, covenants and agrees that the mobile home located on the land is to remain on the land and has been permanently affixed to the land described herein so as to become a part of the real property.
(AU11,18,25,SE1B/19698-70T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
Because of default in the payment of the indebtedness, secured by a Security Deed executed by BRANDI NICOLE DEAN and KEVIN S. DEAN to HOMEBANC MORTGAGE CORPORATION dated November 17, 2006, in the amount of $176,050.00, and recorded in Deed Book 293, Page 438, Banks County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, 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 September, 2010, during the legal hours of sale, at the Courthouse door in Banks County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:
All that tract or parcel of land lying and being in the 465th G.M.D., City of Maysville, Banks County, Georgia, containing 2.432 acres, aggregate, and being more fully shown as Lot 72 of Oak Ridge Subdivision on a subdivision plat recorded in Plat Book 16, Page 8 of the Banks County, Georgia Plat Records. Said plat is incorporated herein by reference for a more detailed description of said property, being improved property known as 317 Oak Ridge Drive according to the present system of numbering properties in Banks County, Georgia.
Said property is subject to Protective Covenants for Oak Ridge Subdivision dated October 27, 1990, recorded in Deed Book 62, Pages 106-112 of the Banks County, Georgia Deed Records, and all other easements, covenants and restriction of record, if any.
which has the property address of 317 Oak Ridge 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 Brandi Nicole Dean and Kevin S. Dean 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. Attorney in Fact for Brandi Nicole Dean and Kevin S. Dean
Anthony DeMarlo, Attorney/kandrade
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 10-14649 /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.
(AU11,18,25,SE1B/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 JEFFERY L. PITTMAN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated April 29, 2005, recorded in Deed Book 260, Page 208, Banks County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: SunTrust Mortgage, Inc., 1001 Semmes Avenue, Richmond, VA 23224, 866-384-0903. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Jeffery L. Pittman or a tenant or tenants and said property is more commonly known as 117 Ridgeway Terrace, Maysville, Georgia 30558. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
SunTrust Mortgage, Inc. as Attorney in Fact for Jeffery L. Pittman
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/nh5 9/7/10
Our file no. 52176410-FT2
EXHIBIT “A”
All that tract or parcel of land lying and being in the 465th GMD, Banks County, Georgia, known as Lot #18, containing 1.31 acres, more or less, as per plat of survey prepared for Brian E. Brewton by Slate and Associates, Inc., GRLS, dated March 1, 1996, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia in Plat Book A, Page 168,. Said plat as recorded, is hereby referenced for a more detailed description of said property. This property is a portion of that 37.65 acres which was conveyed to Brian E. Brewton from James Short by Warranty Deed, dated September 28, 1993, recorded in Deed Book 82, Page 582, Banks County, Georgia Records. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. MR/nh5 9/7/10 Our file no. 52176410 - FT2
(AU11,18,25,SE1B/19698-70T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
THIS IS AN ATTEMPT TO COLLECT A DEBT.  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by Tony Smallwood and Donna Smallwood to Mortgage Electronic Registration Systems, Inc., as nominee for Taylor, Bean & Whitaker Mortgage Corp., dated April 17, 2008, recorded in Deed Book 324, Page 703, Banks County, Georgia Records, as last transferred to OCWEN LOAN SERVICING, LLC by assignment to be recorded ___, Banks County, Georgia records conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED THIRTY TWO THOUSAND AND NO/100 DOLLARS ($332,000.00); 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 September 2010 the following described property:
All that tract or parcel of land lying and being in the 1210th District, G.M., Banks County, Georgia, and being that 2.500 acres, more or less, designated as Tract 2, on a final plat of survey prepared by Ingram, Lord & Associates, Registered Surveyor, dated July 26, 2006, recorded in Plat Book F, Page 114, in the Office of the Clerk of the Superior Court of Banks County, Georgia, and incorporated herein and made a part hereof by reference for a more detailed description.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed.  The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Ocwen Loan Servicing LLC, Attention Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, 877-596-8580.  Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.
To the best knowledge and belief of the undersigned, the party in possession of the property is Tony Smallwood and Donna Smallwood or a tenant or tenants and said property is more commonly known as 1114 Scales Creek Rd., Homer, GA 30547.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
OCWEN LOAN SERVICING, LLC as Attorney in Fact for Tony Smallwood and Donna Smallwood
Weissman, Nowack, Curry & Wilco, PC
Attn: Ocwen Team
One Alliance Center
3500 Lenox Road
Atlanta, GA 30326
/KM 03/07/2010
Our File# 015151-003051
(AU11,18,25,SE1P4)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Banks County
By virtue of the power of sale contained in that certain Deed to Secure Debt/Security Deed executed by LEQUITA JUANISHA STOCKTON and ROYCE CHADWICK STOCKTON to NEW CENTURY MORTGAGE CORPORATION, dated June 8, 2006, and recorded in Book 283, Page 278, and further assigned to Wells Fargo Bank N.A., Banks County, Georgia Records, said Deed to Secure Debt/Security Deed having been given to secure a Note dated June 8, 2006, in the original principal sum of ONE HUNDRED TWENTY-FIVE THOUSAND NINE HUNDRED TEN AND NO/100 ($125,910.00), with interest from date at the rate stated in said Note on the unpaid balance until paid, 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 September, 2010, the property described as:
All that tract or parcel of land lying and being in the 465th G.M.D. of Banks County, Georgia, and being more particularly described as Lot #9, containing 0.770 acres, as shown on a plat of survey of Oak Grove Estates prepared by Timberland Management Services, Inc., W.W. Lester, RLS #2128, dated 03/25/1987, recorded in Plat book A, Page 32, Banks County Records. The description of said property as contained on said plat is hereby incorporated herein and by reference made a part hereof.
This is a portion of the same property conveyed to Lassiter Properties, Inc. by Warranty Deed dated 6/29/83, recorded in Deed Book 29, pages 30-31, Banks County records.
This conveyance is made subject to the Restrictive Covenants filed for Oak Grove Estates dated, November 23, 1992, recorded in Deed Book 75, Page 703, Banks County Records, and the Restrictive Covenants filed for Red Oak Farms dated 11/23/1992, recorded in Book 75, page 700 Banks County Records.
Parcel No.: B32-064A
which has the property address of 106 Grove Drive, Maysville, GA 30558, together with all fixtures and other personal property conveyed by said deed.
The debt secured by said Deed to Secure Debt/Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.
Said property will be sold as the property of Lequita Juanisha Stockton and Royce Chadwick Stockton, subject to the outstanding ad valorem taxes and/or assessments, if any, and all rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record having priority over this Deed to Secure Debt/Security Deed.
Said property will be sold as the property of Lequita Juanisha Stockton and Royce Chadwick Stockton 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 Deed to Secure Debt/Security Deed.
Wells Fargo Bank N.A. as attorney-in-fact for Lequita Juanisha Stockton and Royce Chadwick Stockton
Wells Fargo Bank N.A.
Attn: Loss Mitigation
1610 E. St. Andrew Place
Suite B150
Santa Ana, CA 92705
949-517-7000
By: Trustee Management Company
10975 El Monte, Suite 225
Overland Park, KS 66211
1-800-478-2580
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1P4)

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 MATTHEW W. SIBCY and TARESA L. SIBCY to CHASE MANHATTAN MORTGAGE CORPORATION, dated October 20, 2003, recorded in Deed Book 224, Page 837, Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-THREE THOUSAND AND 0/100 DOLLARS ($133,000.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Chase Home Finance LLC, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Matthew W. Sibcy and Taresa L. Sibcy or a tenant or tenants and said property is more commonly known as 225 Scales Creek Road, Homer, Georgia 30547. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Chase Home Finance LLC sbm Chase Manhattan Mortgage Corporation as Attorney in Fact for Matthew W. Sibcy and Taresa L. Sibcy
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jwy 9/7/10
Our file no. 52073810-FT18
EXHIBIT “A”
All that tract or parcel of land lying and being in the City of Homer, 1210th District, G.M., Banks County, Georgia, and being that 1.00 acres, more or less. Designated as Lot No. 7 of Hill & Hill Development, as more particularly shown on a plat of survey prepared for Judith L. Hill & Mary Hill Towns by G. Brian Slate, Registered Surveyor, dated April 24, 2001, revised May 4, 2001, further revised April 22, 2003, and recorded at Plat Book 27, Page 135, 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. MR/jwy 9/7/10 Our file no. 52073810 - FT18
(AU11,18,25,SE1B/19698-60T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
State of Georgia
County of Banks
Under and by virtue of the power of sale contained in that certain Deed to Secure Debt (“Security Deed”) executed by VINCE F. REED in favor of COMMUNITY BANK & TRUST dated August 13, 2007, and recorded at Deed Book 311, Pages 60-64 of the Banks County, Georgia Deed Records, the undersigned will sell at public outcry to the highest bidder for cash before the door of the Courthouse of Banks County, Georgia, during the legal hours of sale, on the first Tuesday in September, that being September 7, 2010, the following described property:
All that tract or parcel of land lying and being in the 1580 GMD, Banks County, Georgia, being Lot 8, Hickory Knoll Subdivision, as per plat recorded in Plat Book B, Page 13, of the Banks County Deed records, which plat is incorporated herein by reference for a more complete description of said property.
This conveyance is made subject to all zoning ordinances, easements, and restrictions of record affecting said bargained premises.
Said property is located at: 146 Timber Ridge Lane, Alto, GA 30510
The debt secured by said Security Deed is evidenced by a Commercial Promissory Note (the “Note”), dated August 1, 2008 in the original principal amount of $136,310.00, payable, principal and interest from the date thereof shown on said Note on the unpaid balance until paid.
Default has occurred in the payment of the debt evidenced by the Note and secured by the Security Deed as a result of the nonpayment of installments owed thereunder. The total balance of said debt has, therefore, been declared due and the Security Deed foreclosable according to its terms.
The debt remaining in default, the property will be sold to the highest bidder for cash as the property of Vince F. Reed, the proceeds to be applied to the payment of said indebtedness, attorneys’ fees (notice of intention to collect attorneys’ fees having been given), and the lawful expenses of said sale, all as provided in the Note and the Security Deed, said sale to be subject to any and all unpaid taxes and assessments, and restrictions, easements and liens of record with priority over the Security Deed referenced above.
To the best of the undersigned’s knowledge and belief, the property is in the possession of Vince F. Reed and will be sold as the property of Vince F. Reed.
The undersigned will execute a deed to the purchaser as authorized in the aforementioned Security Deed.
Vince F. Reed
By: SCBT, NA, as successor in interest to Community Bank & Trust, as Attorney-in-Fact
Hulsey, Oliver & Mahar, LLP
P. O. Box 1457
Gainesville, GA 30503
(770) 532-6312
(AU11,18,25,SE1B/417-50T1P)

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 LYNN SHIRLEY a/k/a LYNN R. SHIRLEY and PAUL SHIRLEY a/k/a PAUL R. SHIRLEY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated October 31, 2005, recorded in Deed Book 270, Page 176, Banks County, Georgia Records, as last transferred to BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. 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 FORTY THOUSAND AND 0/100 DOLLARS ($240,000.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Lynn Shirley a/k/a Lynn R. Shirley and Paul Shirley a/k/a Paul R. Shirley or a tenant or tenants and said property is more commonly known as 189 Crooked Pine Trail, 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.
BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. as Attorney in Fact for Lynn Shirley a/k/a Lynn R. Shirley and Paul Shirley a/k/a Paul R. Shirley
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/tlj 9/7/10
Our file no. 5564410-FT14
EXHIBIT “A”
All that tract or parcel of land lying and being in Land Lot 205 of the 10th Land District in Banks County Georgia and being designated as Lot 18 of Smoke Rise Subdivision consisting of 2.998 acres, more or less, and being more fully shown by plat of survey dated May 29 2002 prepared for Covenant Love Family Church by Samuel L Duvall Registered Land Surveyor No 2295 said plat being recorded in Plat Book 26 Page 194 in the Office of the Clerk of the Superior Court of Banks County, Georgia and being incorporated herein for a full and complete legal description. MR/tlj 9/7/10 Our file no. 5564410 - FT14
(AU11,18,25,SE1B/19698-70T1P)
[Full Story »]