Newsbank Archive
November 01, 2014
Legals (November 14th edition)
Nov 14, 2012 | 0 0 comments | 231 231 recommendations | email to a friend | print
gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Charlotte Self, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 15th day of October, 2012.

Jerry D. Self, Jr. Administrator

803 Alcova Drive

Social Circle, Georgia 30025

(10/24, 10/31, 11/7, 11/14)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Tommy Fouts, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 17th day of October, 2012.

Patricia L. Fouts, Executor/Administrator

286 Anderson Drive

Dahlonega, Georgia 30533

(10/24, 10/31, 11/7, 11/14)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Aldine Woodard, deceased, late of Lumpkin County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to me.

This 18th day of October, 2012.

Norma Milner Woodard, as Executrix of the Estate of Aldine Woodard, deceased

44 Woodard Lane

Cleveland, GA 30528

(10/24, 10/31, 11/7, 11/14)

gpn07

Georgia, Lumpkin County

NOTICE TO

DEBTORS AND CREDITORS

All creditors of the Estate of Marvin Neal Anderson, deceased, of Lumpkin 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 the undersigned.

Patricia Martin Anderson, as Executrix of the Estate of Marvin Neal Anderson, Deceased

c/o James M. Coyle

P.O. Box 3280

Gainesville, Georgia 30503

(10/24, 10/31, 11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JOHN ALSTON, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Ausburn Alston, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of John Alston, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: MRS. J.R. MCDONALD, DECEASED

ESTATE NO. MC-6

NOTICE OF PUBLICATION

To: The heirs of William E McDonald, the heirs of Robert Lee McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Mrs. J. R. McDonald, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JENNIE L. SEITZ, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Robert McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Jennie L. Seitz, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of McKinley Delano Taylor, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 26th day of October, 2012.

Gita T. Williams, Executor

3102 Parks Run

Loganville, GA 30052

(10/31, 11/7, 11/14, 11/21)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Luther Jess Mayo, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 22nd day of October, 2012.

Martha Sue Mayo, Executor

138 Hidden Cove Road

Dahlonega, GA 30533

(10/31, 11/7, 11/14, 11/21)

gpn12

Notice of Lien Sale to the highest bidder

Millie’s Mini Storage

28 Millie’s Place

Dahlonega, GA 30533

off Morrison Moore Parkway East

On November 17, 2012, 10 a.m.

Contents of units are unknown and will be available for inspection at the time of sale.

Units to be sold: A037

Renee Matteson

(11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: ESTATE OF JAMES RALPH LOVELL, DECEASED

ESTATE NO. 2012-LA-141

PETITION FOR LETTERS

OF ADMINISTRATION

NOTICE

Jerrold B. Lovell has petitioned to be appointed Administrator of the estate of James Ralph Lovell, deceased, of said County. The Petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before December 3, 2012. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(11/7, 11/14, 11/21, 11/28)

gpn10

CITATIon

Georgia, Lumpkin County

Estate No. 2012-GM-148

IN RE: Petition of John Edward Chester and Robin Darlene Chester for Temporary Letters of Guardianship of Daniel Levi Clark, a minor.

Date of second publication: Nov. 21, 2012

To: the biological father of Daniel Levi Clark

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 petitioners as temporary guardians, 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 as guardian; or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Michael A. Chastain

Probate Judge

By: Shelley Wilson

Probate Clerk

325 Riley Road, Room 122

Dahlonega, GA 30533

706-864-3847

(11/14, 11/21)

gpn10

CITATION

GEORGIA, LUMPKIN COUNTY

ESTATE NO. 2012-GM-151

IN RE: PETITION OF JENNIFER D. FARRELL FOR TEMPORARY LETTERS OF GUARDIANSHIP OF MILEENA KITANA DAUGHTERY, A MINOR

DATE OF SECOND PUBLICATION: November 21, 2012

To Billy Daughtery

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 to the appointment of the petitioners as temporary guardians, must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than ten days after the second publication of this notice. 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 petitioners as guardians, or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Michael Chastain

PROBATE JUDGE



By Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847.

(11/14, 11/21)

gpn18

Petition for Letters of

Administration Notice

In the Probate Court, County of Lumpkin, State of Georgia

In re: Estate of Rebecca N. Tyler, Deceased

Estate No. 2012-LA-145

Jessica Dowdle has petitioned to be appointed Administrator of the estate of Rebecca N. Tyler, deceased, of said County. The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or before December 10, 2012. All pleadings/objections must be signed under oath 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.

Michael A. Chastain

Probate Judge

by Shelley Wilson

Probate Clerk

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(11/14, 11/21, 11/28, 12/5)

gpn15

NOTICE OF PUBLIC HEARING

ON PROPOSED

MULTIFAMILY HOUSING REVENUE

BONDS TO BE ISSUED BY

THE HOUSING AUTHORITY OF THE CITY OF ATHENS, GEORGIA

Notice is hereby given that on the 29th day of November, 2012, at 8:30 a.m., in offices of the Housing Authority of the City of Athens, 300 S. Rocksprings Street, Athens, Georgia 30606, a Public Hearing will be held concerning the proposed issuance of multifamily housing revenue bonds in one or more series (the “Bonds”) by the Housing Authority of the City of Athens, Georgia (the “Issuer”) in the aggregate principal amount of not to exceed $65,000,000, for the purpose of assisting WWJ LLC, a South Carolina limited liability company (referred to as the “Borrower”) with the rehabilitation, renovation and modernization of approximately 44 multifamily residential rental housing projects. The projects to be rehabilitated, renovated and modernized and their locations are as follows (collectively, the “Projects”):

Apple Lane Apartments, 100 North 5th Street, Glenwood, Georgia;

Apple Village Apartments, 116 North 5th Street, Glenwood, Georgia;

Ashton Village Apartments, 137 Ashton Place, Waynesboro, Georgia;

Autumnwood Village Apartments, 237 Irwinville Road, Abbeyville, Georgia;

Azalea Village Apartments, 25 Azalea Circle, Crawford, Georgia;

Briarwood Village Apartments, 307 Geneva Road, Buena Vista, Georgia;

Briarwood Village II Apartments, 239 McNaughton Street, Cusseta, Georgia;

Brooks Hill Apartments, 185 Penland Street, Ellijay, Georgia;

Brooks Lane Apartments, 1203 Old 441 South, Clayton, Georgia;

Brooks Point Apartments, 555 Wimpy Mill Road, Dahlonega, Georgia;

Brooks Summitt Apartments, 70 Brooks Summitt Lane, Blue Ridge, Georgia;

Brooksfield Apartments, 1101 Peachtree Street, Louisville, Georgia;

Brookstone Apartments, 85 Brookstone Way, McCaysville, Georgia;

Carson Village Apartments, 47 Short Street, Wrightsville, Georgia;

Cherry Lane Apartments, 616 Cherry Street, Unadilla, Georgia;

Deerwood Village Apartments, 184 East Main Street, Adrian, Georgia;

Doyle Village Apartments, 1030 North Darien Street, SW, Darien, Georgia;

Edison Lane Apartments, 19264 Hartford Street, Edison, Georgia;

Edison Village Apartments, 19264 Hartford Street, Edison, Georgia;

Falls Park Apartments, 47 Falls Park Drive, Toccoa, Georgia;

Forest Glen Village Apartments, 1805 Edwina Drive, Vidalia, Georgia;

Gibson Village Apartments, 388 Project Street, Gibson, Georgia;

Hamilton Village Apartments, 6670 Hamilton Street, Preston, Georgia;

Highland Village Apartments, 510 Plaza Trace, Monroe, Georgia;

Holly Village Apartments, 128 Holly Street, Buchanan, Georgia;

Houston Village Apartments, 55 S. Jefferson Street, Alamo, Georgia;

Laurel Village Apartments, 331 Battle Street, Wadley, Georgia;

Maple Lane Apartments, 197 GA Hwy 305, Midville, Georgia;

Meadowbrook Village Apartments, 130 Lonnie Lane , Americus, Georgia;

Oak Village Apartments, 225 Jackson Street, Zebulon, Georgia;

Pecan Village Apartments, 100 Hayes Avenue, Ellaville, Georgia;

Pine Lane Apartments, 134 South Church Avenue, Pine Mountain, Georgia;

Pine Manor Apartments, 511 West 9th Street, Rincon, Georgia;

Pine Village Apartments, 434 Cherokee Street, Pine Mountain, Georgia;

Quail Run Apartments, 100 Smith Street, Reidsville, Georgia;

Rosewood Village Apartments, 760 South Peterson Street, Willacoochee, Georgia;

Santa Ana Apartments, 56 S. Broad Street, Alamo, Georgia;

Shady Grove Apartments, 474 East Oglethorpe Street, Ellaville, Georgia;

Talbot Village I Apartments, 260 Clark Street, Talbotton, Georgia;

Talbot Village II Apartments, 133 Dennis Creek Road, Talbotton, Georgia;

Westview I Apartments, 150 Westview Drive, Sylvania, Georgia;

Westview II Apartments, 150 Westview Drive, Sylvania, Georgia;

Willowpeg Lane Apartments, 115 Willowpeg Way, Rincon, Georgia; and

Willowpeg Village Apartments, 111 Willowpeg Way, Rincon, Georgia.

The Projects will be managed by Boyd Management, Inc. The hearing will be held before a hearing officer designated by the Housing Authority of the City of Athens, Georgia, and may be continued or adjourned.

The Bonds, when and if issued, will be the limited obligation of the Issuer and will not constitute a general obligation of the State of Georgia, the Unified Government of Athens-Clarke County, Georgia, the Issuer, or any other political subdivision of the State of Georgia, nor shall the Bonds be payable in any manner by taxation, but are payable solely from the payments made by or on behalf of the Borrower, pursuant to an agreement between the Issuer and the Borrower which are pledged to the payment of the Bonds. The issuance of Bonds will allow for the rehabilitation, renovation, modernization and continued operation of the Projects and is in furtherance of the public purpose of the Issuer.

Further information regarding the proposed Bonds and the proposed facility financed are of public record in the office of the Housing Authority of the City of Athens, Georgia at 300 S. Rocksprings Street, Athens, Georgia 30606. Any interested party having views on the proposed issuance of the Bonds or the nature or location of the proposed Projects may be heard at such public hearing.

(11/14,)

gpn13

NOTICE OF PUBLIC HEARING

Please take notice that the Governing body of the City of Dahlonega has received the following applications which will be heard by the Dahlonega Planning & Zoning Commission on Monday December 10, 2012 at 7:00 p.m. and Zoning Board of Appeals/City Council on Monday January 7, 2013 at 6:00 p.m. Both meetings will be held in the City Hall Council Chambers located at 465 Riley Road. All applications are available for review at the City Planning Office.

Application submitted by American Legion for Variance of Ordinance 91-9 Section 2001 front setback from 60 feet to 10 feet. Property ID. Tax Map 079 Parcel 010. Property location: off of Morrison Moore Parkway East.

(11/14)

gpn06

NOTICE OF INCORPORATION

Notice is given that Articles of Incorporation which will incorporate David Garton Ministry, Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. (O.C.G.A ss 14-2-201.1) The initial registered office of the corporation is located at 45 Eagle Overlook Drive, Dahlonega, GA 30533 and its initial registered agent is Jon W. Newcomer.

JON W. NEWCOMER, CPA, PC

106 Pilgrim Village Drive, Suite 300

Cumming, GA 30050

770-886-9009

(11/14, 11/21)

gpn06

NOTICE OF INCORPORATION

Notice is given that Articles of Incorporation that will incorporate Friends of the Lumpkin County Library have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Corporation Code. The initial registered office of the corporation is located at 342 Courthouse Hill, Dahlonega, GA 30533 and its initial registered agent is Lyn Hopper.

(11/14, 11/21)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Carolyn J. Burgess to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR BNC MORTGAGE, INC., A DELAWARE CORPORATION, dated May 31, 2007, recorded in Deed Book 1052, Page 625, Lumpkin County, Georgia records, as last transferred to U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-BC4 by assignment recorded or to be recorded, Lumpkin County, Georgia records conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED NINETY-SEVEN THOUSAND AND 00/100 DOLLARS ($297,000.00); 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 Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012 the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 116 IN THE 11TH DISTRICT, ORIGINALLY OF HALL, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 3.01 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED

ACCORDING TO A PLAT OF SURVEY PREPARED SEPTEMBER 15, 1993 BY OWEN PATTON, GEORGIA REGISTERED SURVEYOR #1324, WHICH IS RECORDED IN PLAT BOOK 26 PAGE 28, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN FOR A MORE FULL AND COMPLETE DESCRIPTION.

ALSO CONVEYED HEREBY IS ALL OF THE GRANTOR’S INTEREST IN THE NON-EXCLUSIVE, PERPETUAL EASEMENT FOR INGRESS, EGRESS, AND THE INSTALLATION OF ALL NECESSARY UTILITIES 40 FEET WIDE OR 20 FEET FROM EACH SIDE OF THE CENTERLINE OF THE EXISTING ROADWAY (KNOWN AS THE HALL LUMPKIN COUNTY ROAD) WHICH TRAVERSES THE SOUTHWESTERN BOUNDARY OF THE SUBJECT PROPERTY WHICH LEADS FROM THE SOUTHWESTERN CORNER OF THE SAID PROPERTY IN A SOUTHEASTERLY DIRECTION TO THE EXISTING COUNTY ROAD ACROSS OTHER PROPERTY NOW OR FORMERLY OWNED BY THE GRANTOR AND HIS PREDECESSORS IN TITLE AND/OR THEIR SUCCESSORS IN TITLE.

**FOR INFORMATIONAL PURPOSE ONLY**

THE IMPROVEMENTS THEREON BEING KNOWN AS 266 PONY LAKE LANE, DAHLONEGA, GA 30533

TAX ID#099-013

THE ABOVE DESCRIBED PROPERTY WAS TAKEN IN FEE SIMPLE

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, Fax 407-737-5693. 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 parties in possession of the property are Carolyn J. Burgess or a tenant or tenants and said property is more commonly known as 266 Pony Lake Ln, Dahlonega, GA 30533.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-BC4

As Attorney in Fact for Carolyn J. Burgess

Weissman, Nowack, Curry & Wilco, PC

Attn: Ocwen Team

One Alliance Center

3500 Lenox Road

Atlanta, GA 30326

Our File# 015364

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt from NICOLE VINCA CANNISTRACI to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated May 7, 2007, filed for record May 11, 2007, and recorded in Deed Book 1041, Page 650, LUMPKIN County, Georgia Records, as last transferred to BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by assignment recorded in Deed Book 1223, Page 259, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated May 7, 2007 in the original principal sum of NINETY SIX THOUSAND THREE HUNDRED EIGHTY SEVEN AND 0/100 DOLLARS ($96,387.00), with interest from date at the rate stated in said Note 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 LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in December, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debt secured by said Deed to Secure Debt 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.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP holds the duly indorsed Note and is the assignee of the Security Deed to your property. BANK OF AMERICA, N.A. services your loan on behalf of BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, the current beneficial owner of your loan. The servicer of this loan is BANK OF AMERICA, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is BANK OF AMERICA, N.A., 7105 CORPORATE DR, PLANO, TX 75024-4100;. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.

Said property will be sold 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.

Said property will be sold as the property of NICOLE VINCA CANNISTRACI.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP

As Attorney-in-Fact for

NICOLE VINCA CANNISTRACI

Phelan Hallinan PLC

303 Perimeter Center North, Suite 800

Atlanta, GA 30346

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 10442

This law firm is acting as a debt collector. Any information obtained will be used for that purpose.

EXHIBIT A

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 145, 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, CONTAINING 1.419 ACRES, AS PER PLAT OF SURVEY FOR FRANKIE PERRY DATED DECEMBER 21, 1998, BY FARLEY-COLLINS ASSOCIATES, GEORGIA REGISTERED LAND SURVEYORS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:TO FIND THE TRUE POINT OF BEGINNING, BEGIN AT A POINT LOCATED AT THE INTERSECTION OF WOODY PLACE AND THE LINE COMMON TO LAND LOTS 145 AND 175, LUMPKIN COUNTY, GEORGIA; THENCE SOUTH 89 DEGREES 57 MINUTES 11 SECONDS EAST A DISTANCE OF 22.11 FEET TO AN IRON PIN FOUND; THENCE SOUTH 89 DEGREES 57 MINUTES 11 SECONDS EAST A DISTANCE OF 177.89 FEET TO AN IRON PIN FOUND, WHICH POINT IS THE TRUE POINT OF BEGINNING; THENCE NORTH 89 DEGREES 57 MINUTES 11 SECONDS WEST A DISTANCE OF 204.29 FEET TO A POINT; THENCE NORTH 22 DEGREES 35 MINUTES 05 SECONDS EAST A DISTANCE OF 369.67 FEET ALONG THE CENTER LINE OF A GEORGIA POWER COMPANY TRANSMISSION LINE (WHICH LINE IS THE PROPERTY) TO A POINT LOCATED IN THE CENTERLINE OF WOODY PLACE THE FOLLOWING COURSES AND DISTANCES; SOUTH 80 DEGREES 14 MINUTES 56 SECONDS EAST A DISTANCE OF 50.38 FEET; SOUTH 84 DEGREES 55 MINUTES 28 SECONDS EAST A DISTANCE OF 52.03 FEET; SOUTH 83 DEGREES 46 MINUTES 22 SECONDS EAST A DISTANCE OF 51.81 FEET; SOUTH 76 DEGREES 47 MINUTES 53 SECONDS EAST A DISTANCE OF 50.68 FEET; SOUTH 62 DEGREES 17 MINUTES 21 SECONDS EAST A DISTANCE OF 40.96 FEET; SOUTH 43 DEGREES 28 MINUTES 07 SECONDS EAST A DISTANCE OF 40.59 TO A POINT; THENCE LEAVING THE CENTERLINE OF WOODY PLACE AND PROCEEDING SOUTH 73 DEGREES 51 MINUTES 54 SECONDS WEST A DISTANCE OF 213.07 FEET TO AN IRON PIN FOUND.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt. (“Security Deed”) executed by Tad Cantrell in favor of Habersham Bank dated June 11, 2009, recorded at Deed Book 1134, Pages 473-477 of the Lumpkin County Deed Records; Modification Agreement dated June 4, 2011, recorded at Deed Book 1188, Page 332 of the aforesaid deed records; and assigned pursuant to that Transfer and Assignment of Deed to Secure Debt from FDIC in its capacity as Receiver for Habersham Bank to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. dated March 26, 2012, and recorded at Deed Book 1209, Pages 777-783 of the aforesaid deed records, the undersigned will sell at public outcry to the highest bidder for cash before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale, on the first Tuesday in December, that being December 4, 2012, the following described property:

All that tract or parcel of land, lying and being in Land Lots 83 and 86, 1st District, originally of Habersham, now of Lumpkin County, Georgia, identified as Tract 1-A, containing 6.004 acres, more or less, on a plat of survey, dated May 6, 2009, prepared for James Edge by Jason T. Lourie, Georgia Registered Land Surveyor No. 3029, recorded in Cabinet 1, Slide 176, Plat 117, Office of the Clerk of Superior Court, Lumpkin County, Georgia. Reference is hereby made to said plat of survey and the record thereof for a more complete description of said property.

Also conveyed is a non-exclusive and unobstructed easement for ingress and egress to the above-described property from Soapstone Road over and through the existing easement road and then extending along the Western boundary of Tract 1-B, as shown on the above-referenced plat of survey.

The debt secured by said Security Deed is evidenced by a note (the “Note”) from Amy S. Cantrell, dated June 4, 2011 in the original principal amount of $26,117.17, 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 Tad Cantrell, 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 Tad Cantrell and will be sold as the property of Tad Cantrell.

The undersigned will execute a deed to the purchaser as authorized in the aforementioned Security Deed. Tad Cantrell

By: SCBT d/b/a CBT, a Division of SCBT f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-Fact

Hulsey, Oliver & Mahar, LLP

P. O. Box 1457

Gainesville, GA 30503

(770) 532-6312

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Pursuant to the Power of Sale contained in a Security Deed given by Terry Harold Cash and Angela Wilson Cash to Mortgage Electronic Registration Systems, Inc. as nominee for First Franklin, A Division of Nat. City Bank of IN dated 4/27/2006 and recorded in Deed Book W37 Page 324, LUMPKIN County, Georgia records; as last transferred to Residential Funding Company, LLC, conveying the after-described property to secure a Note in the original principal amount of $ 118,150.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012 (December 04, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 49, 1ST DISTRICT, LUMPKIN COUNTY, GEORGIA AND BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY JAMES N. CASH, GA. REG. SUR. DATED JUNE 2, 1999 AS TRACT I CONTAINING 3.00 ACRES, MORE OR LESS, AND TRACT II CONTAINING 3.165 ACRES, MORE OR LESS, SAID PLAT BEING RECORDED IN THE CLERK’S OFFICE OF THE SUPERIOR COURT OF LUMPKIN COUNTY, GA IN CABINET ONE, SLIDE 31, PAGE 10. SAID PLAT AND THE RECORD THEREOF ARE HEREIN INCORPORATED FOR A FULL AND COMPLETE LEGAL DESCRIPTION.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property is commonly known as 2636 Post White Hill Road, Murrayville, GA 30564 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Angela Wilson Cash and Terry Harold Cash or tenant or tenants.

GMAC Mortgage, LLC is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

GMAC Mortgage, LLC

Loss Mitigation

3451 Hammond Avenue

Waterloo, IA 50702

(800) 850-4622

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

Residential Funding Company, LLC as agent and Attorney in Fact for Terry Harold Cash and Angela Wilson Cash

Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1165-1115

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Charles Diperi to New South Federal Savings Bank Manufactured Housing Division dated December 4, 1998 in the amount of $77,768.70, and recorded in Deed Book P21, Page 66; re-recorded at Book A22, Page 119, Lumpkin County, Georgia Records; as last transferred to LPP Mortgage LTD by assignment; the undersigned, LPP Mortgage LTD 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 December, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 96, 11th District, Lumpkin County, Georgia, Lot B, containing 1.151 acres, Camelot Subdivision, according to the plat thereof as recorded in Cabinet 1, Slide 14, Page 70A, Lumpkin County, Georgia records, which plat is incorporated herein and made a part hereof by this reference.

which has the property address of Camelot Subdivision, Lot B, Dahlonega, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Charles Diperi 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.

LPP Mortgage LTD

Attorney in Fact for

Charles Diperi

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:11-07-2012, 11-14-2012, 11-21-2012, 11-28-2012

File No. 12-08312 /CONV/sstojanovic

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.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Timber J Gaddis and Derrick Wayne Gaddis to Mortgage Electronic Registration Systems, Inc., dated August 22, 2007, recorded in Deed Book 1061, Page 410, Lumpkin County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 1226, Page 509, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-NINE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($129,900.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, 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. SunTrust Mortgage, Inc. is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Timber J Gaddis and Derrick Wayne Gaddis or a tenant or tenants and said property is more commonly known as 201 Cheyenne Drive, Dahlonega, Georgia 30533. 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 Timber J Gaddis and Derrick Wayne Gaddis McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/nrb1 12/4/12 Our file no. 51042512-FT15 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 339 of the 15th District, 1st Section of Lumpkin County, Georgia, consisting of 1.00 acre, more or less, together with all improvements located thereon, and being more particularly set out as Tract “C” on a plat of survey dated mrch 2, 2000 prepared for Susan Dawn Ledford by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in plat cabinet 1, slide 44, plat 78, Lumpkin County Records, and is incorporated herein by reference for a more detailed description. Also conveyed herewith is a perpetual, non-exclusive easement twelve feet in width along and with the existing gravel drive known as Cheyenne Drive for that portion of the drive with crosses Land Lots 342 and 343 leading from Leonard Pruitt Road to the southern boundary of Land Lot 339 as was conveyed in that Corrective Grant of Easement dated March 17, 2000, which is recorded in deed book X-24 pages 89-90, Lumpkin County Records. Also, conveyed herewith is a perpetual, non-exclusive easement, thirty feet in width, running along and with the existing gravel drive known as Cheyenne Drive leading from the southern land lot line of Land Lot 339 to the subject property as shown on the above referenced plat of Survey. Also conveyed herewith is a perpetual, non-exclusive easement for water service from the well house located to the north of the subject tract as depicted on that plat of survey. This easement shall be ten feet and shall run from subject property along the water lines to the well houses and shall include an area with a 10 foot radius around the well. MR/nrb1 12/4/12 Our file no. 51042512 - FT15

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 that certain Deed to Secure Debt given by James Garris and Ruby Lee Garris to Lumpkin County Bank, dated July 31, 2002 and filed August 12, 2002, recorded in Deed Book T29, Page 632, Lumpkin County, Georgia Records, later amended and modified, and transferred by merger to SunTrust Bank, conveying the after-described property to secure a Promissory Note in the original principal amount of Three Hundred Eighty Nine Thousand Sixty Eight Dollars and No Cents ($389,068.00), 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 Lumpkin County, Georgia, within the legal hours of sale on Tuesday December 4, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 73 of the 11th District and 1st Section of Lumpkin County, Georgia, containing 10.00 acres, more or less, as per a plat of survey prepared for William E. Reed, III and Dorothy O. Reed, by Henry Bailey, Georgia Registered Surveyor, dated January 12, 1981, recorded in Plat Book 9, Page 167, Lumpkin County records. Said plat of survey is incorporated herein by reference for a more particular description of the above property.

This conveyance is made subject to easements for public roads and utilities now in use.

This conveyance is made subject to any easements of record or easements located on the property above described.

And

All that tract or parcel of land lying and being in Land Lot 73 of the 11th District and 1st Section of Lumpkin, originally Hall, County, Georgia, containing 26.277 acres, more or less, and being described and delineated according to a plat of survey prepared by Henry Bailey, Georgia Registered Surveyor, dated January 31, 1981, recorded in Plat Book 8, Page 80, Lumpkin County records. Said plat of survey is incorporated herein by reference for a more particular description of the above property.

This conveyance is made subject to easements for public roads and utilities now in use.

This conveyance is made subject to any easements of record or easements located on the property above described.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Promissory Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

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 Deed to Secure Debt first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is James Garris and Ruby Lee Garris or a tenant or tenants and said property is more commonly known as an unassigned address of 0 Apple Valley Road, Dahlonega, GA 30533 and 164 Apple Valley Road, Dahlonega, GA 30533.

In compliance with Georgia law, please find below the contact information for the entity who has authority to negotiate, amend, and modify the terms of the loan documents which may include a note, mortgage, security deed or deed to secure debt.

SunTrust Bank

Attn: Consumer Home Retention Group, VA-Richmond-RVW 7954

1001 Semmes Avenue

Richmond, VA 23224

1(888) 886-0696

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 Deed to Secure Debt.

SunTrust Bank, as Attorney in Fact for James Garris and Ruby Lee Garris

By: Andrew D. Gleason

Attorney for SunTrust Bank

Lefkoff, Rubin, Gleason & Russo, P.C.

5555 Glenridge Connector

Suite 900

Atlanta, Georgia 30342

(404)869-6900

(404)869-6909 (fax)

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by that certain Security Deed, dated October 17, 2007, executed by Lelia Faith Goss to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for Taylor, Bean & Whitaker Mortgage Corp., recorded in Deed Book 1069, Page 100, Lumpkin County, Georgia Deed Records, and securing a Note in the original principal amount of $86,000.00, said Security Deed last having been assigned to Ocwen Loan Servicing, LLC, the current holder thereof, has declared the entire amount of said indebtedness evidenced by the Note immediately due and payable and, pursuant to the power of sale contained in said Security Deed, will, on the first Tuesday in December, 2012, to-wit: December 4, 2012, during the legal hours of sale, before the Lumpkin County Courthouse door, sell at public outcry to the highest bidder for cash, the following described real property:

All that tract or parcel of land lying and being in Land Lot 228 of the 12th District and 1st Section of Lumpkin County, Georgia, consisting of 0.89 acre, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated April 8, 1992, prepared by Michael L. Scupin, Georgia Registered Land Surveyor, and being recorded in Plat Book 24, Page 76, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference.

The aforedescribed real property is also known as 312 Frank Christian Road, Dahlonega, GA 30533, according to the present system of numbering houses in Lumpkin County, Georgia.

This sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit as to the amount and status of the loan with the holder of the Security Deed, including but not limited to, a determination that the borrower has not reinstated the loan prior to the foreclosure sale.

The name, address and telephone number of the individual or entity with full authority to negotiate, amend and modify all terms of the Note and Security Deed is Ocwen Loan Servicing, LLC, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409. The telephone number is (877) 596-8580.

Said real property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the real property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Upon information and belief, said real property is presently in the possession or control of LELIA FAITH GOSS and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Security Deed and the excess proceeds, if any, will be distributed as provided by law.

OCWEN LOAN SERVICING, LLC

as Attorney-in-Fact for

LELIA FAITH GOSS

David W. Adams, Esquire

Ellis, Painter, Ratterree & Adams LLP

2 East Bryan Street, Suite 1001

Savannah, Georgia 31401

(912) 233-9700

THIS LAW FIRM MAY BE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement from JOSEPH H. HALL, JR. (“Grantor”), to COMMUNITY & SOUTHERN BANK, AS SUCCESSOR IN INTEREST TO AND ASSIGNEE OF THE FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER FOR GEORGIA TRUST BANK (“Grantee”), dated November 19, 2006, recorded November 21, 2006, in Deed Book 1015, Page 157, Lumpkin County, Georgia records, as modified by that certain Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded October 23, 2007, in Deed Book 1069, Page 115, aforesaid records; as modified by that certain Second Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded January 18, 2008, in Deed Book 1079, Page 386, aforesaid records; as modified by that certain Third Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded January 8, 2009, in Deed Book 1117, Page 219, aforesaid records; as modified by that certain Fourth Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded February 8, 2010, in Deed Book 1152, Page 742, aforesaid records; as modified by that certain Fifth Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded August 6, 2010, in Deed Book 1166, Page 195, aforesaid records; as subsequently assigned to Community & Southern Bank by Assignment of Security Instruments and Other Loan Documents recorded August 15, 2012, in Deed Book 1221, Page 597, aforesaid records (said Security Deed as may have been modified, amended and assigned from time to time, hereinafter referred to collectively as the “Security Deed”), said Security Deed being given to secure the payment of two promissory notes dated November 19, 2006, made by Grantor to the order of Georgia Trust Bank, in the original principal amount of SIX HUNDRED FIFTY-TWO THOUSAND AND 00/100 DOLLARS ($652,000.00) and FOUR HUNDRED THOUSAND AND 00/100 DOLLARS ($400,000.00), as renewed by two promissory notes dated July 14, 2010, as said principal amounts were modified to $577,991.86 and $350,126.88 (said promissory notes, as renewed, modified and assigned from time to time, hereinafter referred to collectively as the “Note”), together with all other amounts payable by Grantor to Grantee, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday of December, 2012, the following described land and interests in land, estates, easements, rights, improvements, personal property, fixtures, equipment, furniture, furnishings, appliances and appurtenances (hereinafter referred to collectively as the “Premises”):

All those certain tracts, pieces or parcels of land more particularly described in Exhibit A attached hereto and by this reference made a part hereof (hereinafter referred to as the Land).

All buildings, structures and improvements of every nature whatsoever situated on the Land, and all gas and electric fixtures, radiators, heaters, engines and machinery, boilers, ranges, elevators and motors, plumbing and heating fixtures, carpeting and other floor coverings, fire extinguishers and any other safety equipment required by governmental regulation or law, water heaters, mirrors, mantels, air conditioning apparatus, refrigerating plants, and appurtenances, window screens, awnings and storm sashes, which are attached to said buildings, structures or improvements and all other fixtures, building supplies and materials, books and records, and personal property of every kind and nature whatsoever owned by Grantor and located in, on or about, or used or intended to be used with or in connection with the use, operation or enjoyment of the Premises, including all extensions, additions, improvements, betterments, after-acquired property, renewals, replacements and substitutions, or proceeds from a permitted sale of any of the foregoing, and all the right, title and interest of Grantor in any such fixtures, and personal property subject to or covered by any prior security agreement, conditional sales contract, chattel mortgage or similar lien or claim, together with the benefit of any deposits or payments made by Grantor or on behalf of Grantor, and all fixtures, and general intangibles constituting proceeds acquired with cash proceeds of any of the property described hereinabove, all of which are deemed to be fixtures and accessions to the Land and a part of the Premises as between the parties hereto and all persons claiming by, through or under them, and which is deemed to be a portion of the security for the indebtedness described in and secured by the Security Deed. The location of the above-described collateral is also the location of the Land.

All easements, rights-of-way, strips and gores of land, vaults, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, minerals, flowers, shrubs, crops, trees, timber and other emblements located on the Land or under or above the same or any part or parcel thereof, and all estates, rights, titles, interests, privileges, liberties, tenements, hereditaments and appurtenances, reversion and reversions, remainder and remainders, whatsoever, in any way belong, relating or appertaining to the Premises or any part thereof owned by Grantor.

All income, rents, issues, profits and revenues of the Premises (including without limitation all payments under leases or tenancies, proceeds of insurance, condemnation payments, tenant security deposits whether held by Grantor or in a trust account, and escrow funds), and all the estate, right, title, interest, property, possession, claim and demand whatsoever at law, as well as in equity, of Grantor of, in and to the same.

The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed including, but not limited, to the failure to make payments thereunder when due. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale and all other payments provided for under the Security Deed, including attorneys’ fees as provided in the Note and Security Deed, notice of intention to collect attorneys’ fees having been given as provided by law, and the remainder, if any, shall be applied as provided by law.

Grantee reserves the right to sell the Premises in one parcel and as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.

To the best of Grantee’s knowledge and belief, the parties in possession of the Property are Grantor and/or tenants of Grantor or other persons in possession with the consent or acquiescence of Grantor.

Said Premises will be sold as the property of Grantor subject to all unpaid real estate ad valorem taxes, governmental assessments and related liens and all prior restrictions, reservations, covenants, rights-of-way, easements, encumbrances and other matters of record, if any, appearing of record prior to the date of the Security Deed and those appearing after the date of the Security Deed and consented to of record by Grantee.

COMMUNITY & SOUTHERN BANK, AS SUCCESSOR IN INTEREST TO AND ASSIGNEE OF THE FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER FOR GEORGIA TRUST BANK, ATTORNEY-IN-FACT FOR JOSEPH H. HALL, JR.

Taylor English Duma LLP

1600 Parkwood Circle, Suite 400

Atlanta, Georgia 30339

Attn: Paul G. Durdaller, Esq.

(678) 336-7174

EXHIBIT “A”

Tract 1:

All that tract or parcel of land lying or being in Land Lot 217 and 218 of the 13th District and 1st Section of Lumpkin County, Georgia consisting of 1.23 acres, more or less, and being more particularly set out on a plat of survey dated October 1, 1991 and prepared for MBS Enterprises, Inc., by Michael L. Scupin, Georgia registered land surveyor. This plat is recorded in Plat Book 23, page 231, Lumpkin County, Records, and is by reference incorporated herein for a more detailed description.

Tract 2:

All that tract or parcel of land lying or being in Land Lot 218 of the 13th District and 1st Section of Lumpkin County, Georgia consisting of 1.21 acres, more or less, and being more particularly shown on plat of survey for Dynamic Designs, Inc., dated September 6, 1991, prepared by Michael L. Scupin, Georgia registered land surveyor. This plat is recorded in Plat Book 23, page 236, Lumpkin County, Records, and is by reference incorporated herein for a more detailed description.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

NOTICE OF SALE UNDER POWER GEORGIA, LUMPKIN COUNTY By virtue of a Power of Sale contained in that certain Security Deed from Robert G. Lee, II a/k/a Robert George Lee and Brittney Lee a/k/a Brittney L. Lee to Branch Banking and Trust Company, dated February 7, 2005, recorded February 14, 2005, in Deed Book E-35, Page 728, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of ONE HUNDRED FIFTY THOUSAND SEVEN HUNDRED EIGHTY-SEVEN DOLLARS AND FIFTY-SEVEN CENTS ($150,787.57), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December 2012 by the secured creditor, Branch Banking and Trust Company, as Attorney in Fact for Robert G. Lee, II a/k/a Robert George Lee and Brittney Lee a/k/a Brittney L. Lee, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 102 IN THE 11TH DISTRICT, ORIGINALLY OF HALL, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.00 ACRE, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 23 OF THE PINEWOOD PLACE SUBDIVISION PHASE II AS SHOWN ON A PLAT OF SURVEY PREPARED BY PATTON AND PATTON, GEORGIA REGISTERED SURVEYORS DATED APRIL 25, 1996, WHICH IS RECORDED IN PLAT BOOK 30, PAGE 61, LUMPKIN COUNTY RECORDS. THE PROPERTY IS SUBJECT TO RESTRICTIVE COVENANTS WHICH ARE SET OUT MORE FULLY IN A DOCUMENT WHICH IS RECORDED IN DEED BOOK B-14, PAGE 153, LUMPKIN COUNTY RECORDS, AND WHICH WERE CORRECTED UNDER A DOCUMENT RECORDED IN DEED BOOK T-16, PAGES 202-204, LUMPKIN COUNTY RECORDS. THE PROPERTY IS ALSO CONVEYED ALONG WITH, AND SUBJECT TO A 60 FOOT EASEMENT FOR EVERGREEN COURT AND THE UN-NAMED PROPOSED ROAD AS SHOWN ON SAID PLAT OF SURVEY. Said property being known as 90 Evergreen Court, Dahlonega, GA 30533 according to the present numbering system in Lumpkin County. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Robert G. Lee, II a/k/a Robert George Lee and Brittney Lee a/k/a Brittney L. Lee or tenant(s). 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. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Branch Banking and Trust Company, 150 Stratford Road, Suite 201, Winston-Salem, NC 27104 TEL (866) 909-4852. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Marvin D. Long AKA Marvin Douglas Long to Anchorage Mortgage Corporation, dated September 14, 1995, recorded in Deed Book E15, Page 307, Lumpkin County, Georgia Records, as last transferred to First Security Savings Bank, FSB by assignment recorded in Deed Book E15, Page 314, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of FORTY-FIVE THOUSAND AND 0/100 DOLLARS ($45,000.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, 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. Flagstar Bank, FSB fka First Security Savings Bank FSB is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2.

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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Marvin D. Long AKA Marvin Douglas Long or a tenant or tenants and said property is more commonly known as Rt. 2 Box 32 Wellington, Dahlonega, Georgia 30533. 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Flagstar Bank, FSB fka First Security Savings Bank FSB

as Attorney in Fact for

Marvin D. Long AKA Marvin Douglas Long

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mtj 12/4/12

Our file no. 559812-FT15

EXHIBIT “A”

All that lot, tract or parcel of land lying and being in Land Lot 117 of the 11th Land District, of Old Hall County, Lumpkin County, Georgia and being all of Lot 32 of Wellington Subdivision Phase I and being more fully described according to survey recorded in Plat Book 28, page 10, Lumpkin County, Georgia Plat Records. Said plat and the descriptions contained thereon are hereby incorporated herein by reference for a complete description of said property. MR/mtj 12/4/12 Our file no. 559812 - FT15

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness evidenced by the Note (as hereinafter described), secured by a Real Estate Deed to Secure Debt from Cynthia R. Marshall (hereinafter referred to as “Grantor”) to Mountain Valley Community Bank, dated January 31, 2008, filed for record in Deed Book 1081, Page 703, in the Office of the Clerk of the Superior Court of Lumpkin County, Georgia (hereinafter called the “Security Deed”), the undersigned, Mountain Valley Community Bank, pursuant to said Security Deed and that certain Universal Note dated February 1, 2011, in the original principal amount of $139,772.82 (hereinafter referred to as the “Note”) has declared the entire amount of said indebtedness due and payable. Therefore, pursuant to and by virtue of the power of sale contained in the Security Deed, there will be sold by the undersigned at public outcry to the highest and best bidder for cash before the Courthouse door on the courthouse steps at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012 the following described property:

All that tract or parcel of land lying and being in Land Lot 1020 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 2.41 acres, more or less, together with all improvements located thereon, and being more particularly set out as the “out parcel to Luther Carder” on a plat of survey dated May 15, 1990, revised January 29, 1991, prepared by Michael L. Scupin, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 22, Page 156, Lumpkin County Records, and is incorporated herein by reference for a more detailed description, together with all fixtures and personal property attached to and constituting a part of said property, and replacements and additions.

Also conveyed herewith are those easement provisions conveyed in that Easement dated May 4, 2005, between Luther Carder, Martha Carder and Cindy R. Trammell recorded in Deed Book V-35, Page 499, Lumpkin County Records.

This property is conveyed subject to all easements for roads and utilities in use or of record.

TOGETHER WITH all of the buildings, building materials, fixtures and improvements on, in and to the property and all easements, rights, rents, royalties, mineral, oil and gas rights, profits and water rights.

The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale, and all other payments provided for under the Security Deed, including permitted attorneys’ fees as provided in the Note and Security Deed, notice of intention to collect attorneys’ fees and expenses of the foreclosure having been given as provided by law and as provided by the terms of the Security Deed; and the remainder, if any, shall be applied as provided by law.

To the best knowledge and belief of the undersigned, Cynthia R. Marshall is in possession of said property. Said property will be sold subject to any prior restrictive covenants, easements, rights-of-way, valid zoning ordinances, matters which would be disclosed by an accurate survey of the property or by an inspection of the property, and any liens or encumbrances superior to the Security Deed first set out above, and subject to all outstanding taxes, assessments, and utility bills which may constitute a lien against said property, whether due and payable or not yet due and payable.

Mountain Valley Community Bank hereby notifies Grantor that Mountain Valley Community Bank remains the holder of the security interest set forth in the Security Deed. Grantor may communicate with Mountain Valley Community Bank by contacting Mr. Don Allison, Mountain Valley Community Bank, 136 North Main Street, Cleveland, Georgia 30528, or by telephone at (706) 348-6822. Mr. Allison has full authority to negotiate, amend, and modify all terms of the Security Deed with Grantor.

MOUNTAIN VALLEY COMMUNITY BANK, as Attorney-in-Fact for CYNTHIA R. MARSHALL

By: Thomas E. Austin, Jr.,

Attorney for Mountain Valley Community Bank

Thomas E. Austin, Jr., LLC

3490 Piedmont Road, N.E.

Suite 1005

Atlanta, Georgia 30305-4809

(404) 814-3755

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from William M. Merritt to Branch Banking and Trust Company, dated February 7, 2008, recorded February 12, 2008, in Deed Book 1082, Page 224, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of SIXTY THOUSAND DOLLARS AND NO CENTS ($60,000.00), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December 2012 by the secured creditor, Branch Banking and Trust Company, as Attorney in Fact for William M. Merritt, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND, LYING AND BEING IN LAND LOT 100 IN THE 1ST DISTRICT, ORIGINALLY OF HABERSHAM, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.13 ACRES, MORE OR LESS, TOGETHER WITH A HOUSE AND ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 10 OF THE COPPER MILL SUBDIVISION, AS SHOWN ACCORDING TO A PLAT OF SURVEY PREPARED AUGUST 4, 1986, AND REVISED MAY 27, 1988, BY MICHAEL L. SCUPIN, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT BOOK 22, PAGE 1, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN. Said property being known as 338 Copper Mill Road, Dahlonega, GA 30533 according to the present numbering system in Lumpkin County. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is William M. Merritt or tenant(s). 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. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Branch Banking and Trust Company, 150 Stratford Road, Suite 201, Winston-Salem, NC 27104 TEL (866) 909-4852. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt from ROBERT A. NIELSEN and CAROL NIELSEN A/K/A CAROL M. NIELSEN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated October 1, 2008, filed for record February 2, 2009, and recorded in Deed Book 1119, Page 451, LUMPKIN County, Georgia Records, as last transferred to BANK OF AMERICA, N.A., SBM TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by assignment recorded in Deed Book 1195, Page 77, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated October 1, 2008 in the original principal sum of ONE HUNDRED THIRTY EIGHT THOUSAND EIGHT HUNDRED EIGHTY TWO AND 0/100 DOLLARS ($138,882.00), with interest from date at the rate stated in said Note 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 LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in December, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debt secured by said Deed to Secure Debt 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.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP holds the duly indorsed Note and is the assignee of the Security Deed to your property. BANK OF AMERICA, N.A. services your loan on behalf of BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, the current beneficial owner of your loan. The servicer of this loan is BANK OF AMERICA, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is BANK OF AMERICA, N.A., 7105 CORPORATE DR, PLANO, TX 75024-4100;. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.

Said property will be sold 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.

Said property will be sold as the property of ROBERT A. NIELSEN and CAROL NIELSEN A/K/A CAROL M. NIELSEN.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP

As Attorney-in-Fact for

ROBERT A. NIELSEN

CAROL NIELSEN A/K/A CAROL M. NIELSEN

Phelan Hallinan PLC

303 Perimeter Center North, Suite 800

Atlanta, GA 30346

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 10898

This law firm is acting as a debt collector. Any information obtained will be used for that purpose.

EXHIBIT A

THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 96 AND 113, 11TH DISTRICT OF LUMPKIN COUNTY, GEORGIA, BEING LOT 14 OF SHENANDOAH SUBDIVISION AS SHOWN ON A PLAT OF SURVEY ENTITLED “FINAL PLAT OF SHENANDOAH” DATED JULY 3, 2000, RECORDED AT PLAT CABINET 1, SLIDE 51, PAGES 1-4, LUMPKIN COUNTY RECORDS; SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY. SUBJECT TO PROTECTIVE COVENANTS DATED AUGUST 10, 2000, RECORDED IN DEED BOOK X25, PAGE 220, LUMPKIN COUNTY RECORDS. ALSO CONVEYED HEREWITH IS A 2000 FLEETWOOD CHADWICK 4683, 28X 68 MANUFACTURED HOME, SERIAL NUMBER GAFLY05AB29900-CW11 WHICH IS ATTACHED TO AND MADE A PART OF THE REAL PROPERTY.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Margaret Louise Nosworthy and Joseph Mike Nosworthy to , dated January 26, 2009, recorded in Deed Book 1119, Page 474, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. by assignment recorded in Deed Book 1223, Page 265, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-SIX THOUSAND FOUR HUNDRED EIGHTY-NINE AND 0/100 DOLLARS ($246,489.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, 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. Bank of America, N.A. is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. To the best knowledge and belief of the undersigned, the party in possession of the property is Margaret Louise Nosworthy and Joseph Mike Nosworthy or a tenant or tenants and said property is more commonly known as 72 Bearslide Hollow, Dahlonega, Georgia 30533. 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A.

as Attorney in Fact for

Margaret Louise Nosworthy and Joseph Mike Nosworthy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/dlc1 12/4/12

Our file no. 5420012-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 589, 12th District, 1st Section, Lumpkin County, Georgia, and being fully described by a plat prepared by Frederick F. Kauffman, Georgia registered land surveyor, dated July 31, 1998; and as per said plat, the property contains 1.02 acres, more or less, being more particularly described as Lot 17 of Bearslide Hollow Subdivision. The subject plat being of record in Plat Cabinet One, Slide 20, Page 190A, Lumpkin County records. Said plat is hereby incorporated by reference. This Conveyance is made subject to easements for public roads and utilities now in use. MR/dlc1 12/4/12 Our file no. 5420012 - FT11

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Faron Pirkle and Ashley Tarte to Mortgage Electronic Registration Systems, Inc. as nominee for Alacrity Lending Company, its successors and assigns dated July 25, 2008 in the amount of $124,053.00, and recorded in Deed Book 1103, Page 538; Modification Agreement recorded at Deed Book 1114, Page 480 , Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lots 171, 13th District, 1st Section, Lumpkin County, Georgia, being described as 1.50 acres, more or less, as shown on a plat of survey Faron Pirkle, prepared by J.A. Page, Jr., Georgia Registered Land Surveyor No. 1894, dated April 8, 2008, revised July 3, 2008 to include fence easement and recorded in Plat Cabinet 1, Slide 167, Plat 122-A, Office of the Clerk of Superior Court, Lumpkin County, Georgia, said plat being incorporated herein and to which reference is made for a more complete description thereof. This being a portion of the property conveyed by deed recorded in Deed Book D25, Page 166, Lumpkin County, Georgia Records. Also conveyed herewith is a 2009 Fleetwood manufactured home, Model 4724X being 28X72 and having a Serial Number GAFL875A79838-CI11, which is permanently attached to and made a part of the real property.

which has the property address of 469 Old Kerns Road, Dawsonville, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Faron Pirkle and Ashley Tarte 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.

GMAC Mortgage, LLC

Attorney in Fact for

Faron Pirkle and Ashley Tarte

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:11-07-2012, 11-14-2012, 11-21-2012, 11-28-2012

File No. 09-15559 /FHA/lseymore

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.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by TERESA G. POWELL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., dated NOVEMBER 16, 2005, and recorded in Deed Book 436, Page 278, Lumpkin County, Georgia records, AS LAST TRANSFERRED TO OCWEN LOAN SERVICING, LLC BY ASSIGNMENT RECORDED IN DEED BOOK 1191, PAGE 363, LUMPKIN COUNTY, GEORGIA RECORDS, conveying the after-described property to secure a Note of even date in the original principal amount of $134,100.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, to wit: December 04, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 419 OF THE 15TH DISTRICT OF LUMPKIN COUNTY, GEORGIA AND BEING 5.714 ACRES, MORE OR LESS AS MORE PARTICULARLY DESCRIBED IN THAT CERTAIN PLAT OF SURVEY PREPARED FOR MILDRED VAUGHTERS, VIRGINIA GILREATH AND MELVIN FORTNER BY LONDON SURVEYING DATED MARCH 15, 2004, THE SAME BEING OF RECORD IN PLAT CABINET ONE, SLIDE 123, PLAT 47, LUMPKIN COUNTY, GEORGIA RECORDS

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorneyís fees (notice of intent to collect attorneyís fees having been given).

Said property is commonly known as 4020 CAVENDER’S CREEK RD., DAHLONEGA, GA 31547, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): TERESA G. POWELL or tenant or tenants.

Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.Pursuant to O.C.G.A. Section 44-14-162.2, 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

Facsimile: 1-407-737-5693

The foregoing notwithstanding, nothing in OC.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being

OCWEN LOAN SERVICING, LLC

as attorney in fact for

TERESA G. POWELL

Richard B. Maner, P.C.

5775 Glenridge Drive

Building D, Suite 100

Atlanta, GA 30328

(404)252-6385

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

AFC12-1187

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Construction Security Deed from Roque Construction, Inc. to State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation, Receiver for First Security National Bank and recorded in Deed Book 1004, Page 726, Lumpkin County, Georgia Records, as may be modified or amended, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, December 4, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

Please note that State Bank and Trust Company is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that State Bank and Trust Company can be contacted through the following representative:

Martin G. Quirk, Esq.

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

404-252-1425

To the best knowledge and belief of the undersigned, the Party or Parties in possession of the property is Roque Construction, Inc. or a tenant or tenants, and said property is more commonly known as property located in Land Lot 140 of the 11th District, 1st Section of Lumpkin County, being approximately 1.00 acre located on Elliott Lane also known as 358 Elliots Lane, Dahlonega, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. The undersigned reserves the right to sell the property, or any part thereof, together in its entirety or in one or more parcels as determined by the undersigned in its sole discretion.

State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation,

Receiver for First Security National Bank

Attorney in Fact for Roque Construction, Inc.

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 140 OF THE 11TH DISTRICT, 1ST SECTION, ORIGINALLY HALL COUNTY, GEORGIA, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 1.00 ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

TO FIND THE POINT OF BEGINNING, COMMENCE AT AN IRON PIN FOUND ON THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE (A 60 FOOT RIGHT-OF-WAY) LOCATED 1245.70 WESTERLY ALONG SAID RIGHT-OF-WAY LINE FROM ITS INTERSECTION WITH THE WESTERLY RIGHT-OF-WAY LINE OF BOWERS ROAD; THENCE CONTINUING ALONG THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 73 DEGREES 01 MINUTES 41 SECONDS WEST A DISTANCE OF 79.08 FEET TO A POINT; NORTH 83 DEGREES 58 MINUTES 22 SECONDS WEST A DISTANCE OF 61.36 FEET TO A POINT; NORTH 89 DEGREES 15 MINUTES 33 SECONDS WEST A DISTANCE OF 45.91 FEET TO A POINT; SOUTH 87 DEGREES 44 MINUTES 03 SECONDS WEST A DISTANCE OF 34.64 FEET TO AN IRON PIN FOUND; SOUTH 84 DEGREES 52 MINUTES 36 SECONDS WEST A DISTANCE OF 38.45 FEET TO A POINT; SOUTH 82 DEGREES 13 MINUTES 56 SECONDS A DISTANCE OF 39.34 FEET TO A POINT; SOUTH 87 DEGREES 52 MINUTES 46 SECONDS WEST A DISTANCE OF 41.00 FEET TO A POINT; NORTH 84 DEGREES 17 MINUTES 13 SECONDS WEST A DISTANCE OF 30.34 FEET TO AN IRON PIN SET; NORTH 81 DEGREES 45 MINUTES 36 SECONDS WEST A DISTANCE OF 18.46 FEET TO A POINT; NORTH 85 DEGREES 39 MINUTES 50 SECONDS WEST A DISTANCE OF 37.70 FEET TO A POINT; SOUTH 88 DEGREES 01 MINUTES 52 SECONDS WEST A DISTANCE OF 52.05 FEET TO A POINT; NORTH 89 DEGREES 05 MINUTES 07 SECONDS WEST A DISTANCE OF 53.86 FEET TO AN IRON PIN SET AT THE TRUE POINT OF BEGINNING; THENCE CONTINUING ALONG THE NORTHERLY RIGHT OF WAY OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 85 DEGREES 30 MINUTES 13 SECONDS WEST A DISTANCE OF 26.52 FEET TO A POINT; NORTH 85 DEGREES 41 MINUTES 15 SECONDS WEST A DISTANCE OF 44.02 FEET TO A POINT; NORTH 82 DEGREES 20 MINUTES 05 SECONDS WEST A DISTANCE OF 53.61 FEET TO A POINT; AND NORTH 74 DEGREES 56 MINUTES 05 SECONDS A DISTANCE OF 29.35 FEET TO AN IRON PIN FOUND; THENCE LEAVING SAID RIGHT-OF-WAY LINE AND RUNNING NORTH 19 DEGREES 17 MINUTES 53 SECONDS EAST A DISTANCE OF 362.53 FEET TO AN IRON PIN FOUND; THENCE SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 89.97 FEET TO AN IRON PIN FOUND; THENCE SOUTH 09 DEGREES 15 MINUTES 57 SECONDS WEST A DISTANCE OF 355.45 FEET TO THE POINT OF BEGINNING; BEING SHOWN AS LOT #1 ON“FINAL CLASS I SUBDIVISION PLAT FOR ROQUE CONSTRUCTION,”PREPARED BY DRS & ASSOCIATES, PC, DOUGLAS R. SHERRILL REGISTERED SURVEYOR NO. 2995, DATED MAY 24, 2006.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Notice Of Sale Under Power

By virtue of the power of sale contained in that certain Security Deed from Roque Construction, Inc. to State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation, Receiver for First Security National Bank and recorded in Deed Book 992, Page 174, Lumpkin County, Georgia Records, as may be modified or amended, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, December 4, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

Please note that State Bank and Trust Company is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that State Bank and Trust Company can be contacted through the following representative:

Martin G. Quirk, Esq.

6000 Lake Forrest Drive, Suite 300

404-252-1425

To the best knowledge and belief of the undersigned, the Party or Parties in possession of the property is Roque Construction, Inc. or a tenant or tenants, and said property is more commonly known as property located in Land Lot 140 of the 11th District, 1st Section of Lumpkin County, Georgia being approximately 3.03 acres located on Elliott Lane also known as Elliots Lane, Dahlonega, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. The undersigned reserves the right to sell the property, or any part thereof, together in its entirety or in one or more parcels as determined by the undersigned in its sole discretion.

State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation,

Receiver for First Security National Bank

Attorney in Fact for Roque Construction, Inc.

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 140 OF THE 11TH DISTRICT, 1ST SECTION, ORIGINALLY HALL COUNTY, GEORGIA, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 4.03 ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT AN IRON PIN FOUND AT A 5/8 INCH REBAR ON THE NORTHERLY

RIGHT-OF-WAY LINE OF ELLIOTT LANE (A 60 FOOT RIGHT-OF-WAY) LOCATED 1245.70 WESTERLY ALONG SAID RIGHT-OF-WAY LINE FROM ITS INTERSECTION WITH THE WESTERLY RIGHT-OF-WAY LINE OF BOWERS ROAD, THENCE CONTINUING ALONG THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 73 DEGREES 01 MINUTES 41 SECONDS WEST A DISTANCE OF 79.08 FEET TO A POINT; NORTH 83 DEGREES 58 MINUTES 22 SECONDS WEST A DISTANCE OF 61.36 FEET TO A POINT; NORTH 89 DEGREES 15 MINUTES 33 SECONDS WEST A DISTANCE OF 45.91 FEET TO A POINT; SOUTH 87 DEGREES 44 MINUTES 03 SECONDS WEST A DISTANCE OF 34.64 FEET TO AN IRON PIN FOUND AT A 5/8 INCH REBAR; SOUTH 84 DEGREES 52 MINUTES 36 SECONDS WEST A DISTANCE OF 38.45 FEET TO A POINT; SOUTH 82 DEGREES 13 MINUTES 56 SECONDS A DISTANCE OF 39.34 FEET TO A POINT; SOUTH 87 DEGREES 52 MINUTES 46 SECONDS WEST A DISTANCE OF 41.00 FEET TO A POINT; NORTH 84 DEGREES 17 MINUTES 13 SECONDS WEST A DISTANCE OF 30.34 FEET TO AN IRON PIN FOUND AT A 5/8 INCH REBAR; NORTH 81 DEGREES 45 MINUTES 36 SECONDS WEST A DISTANCE OF 18.46 FEET TO A POINT; NORTH 85 DEGREES 39 MINUTES 50 SECONDS WEST A DISTANCE OF 37.70 FEET TO A POINT; SOUTH 88 DEGREES 01 MINUTES 52 SECONDS WEST A DISTANCE OF 52.05 FEET TO A POINT; NORTH 89 DEGREES 05 MINUTES 07 SECONDS WEST A DISTANCE OF 45.49 FEET TO A POINT; NORTH 85 DEGREES 30 MINUTES 13 SECONDS WEST A DISTANCE OF 26.52 FEET TO A POINT; NORTH 85 DEGREES 41 MINUTES 15 SECONDS WEST A DISTANCE OF 44.02 FEET TO A POINT; NORTH 82 DEGREES 20 MINUTES 05 SECONDS WEST A DISTANCE OF 53.61 FEET TO A POINT; AND NORTH 74 DEGREES 56 MINUTES 05 SECONDS A DISTANCE OF 29.35 FEET TO A POINT; THENCE LEAVING SAID RIGHT-OF-WAY LINE AND RUNNING NORTH 19 DEGREES 17 MINUTES 53 SECONDS EAST A DISTANCE OF 362.53 FEET TO AN IRON PIN FOUND AT A 1/2 INCH OPEN TOP PIPE;

SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 89.97 FEET TO AN IRON PIN FOUND AT A 1/2 INCH OPEN TOP PIPE; SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 370.49 FEET TO AN IRON PIN FOUND AT A 1/2 INCH OPEN TOP PIPE; RUNNING THENCE SOUTH 29 DEGREES 19 MINUTES 44 SECONDS EAST A DISTANCE OF 84.11 FEET TO AN IRON PIN FOUNDS AT A 1/2 INCH REBAR; SOUTH 29 DEGREES 19 MINUTES 44 SECONDS EAST A DISTANCE OF 391.69 FEET TO AN IRON PIN FOUND AT A 5/8 INCH REBAR AND THE POINT OF BEGINNING. ALL AS SHOWN ON“FINAL CLASS I SUBDIVISION PLAT FOR ROQUE CONSTRUCTION,”PREPARED BY DRS & ASSOCIATES, PC, DOUGLAS R. SHERRILL REGISTERED SURVEYOR NO. 2995, DATED MAY 24, 2006.

LESS AND EXCEPT:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 140 OF THE 11TH DISTRICT, 1ST SECTION, ORIGINALLY HALL COUNTY, GEORGIA, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 1.00 ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

TO FIND THE POINT OF BEGINNING, COMMENCE AT AN IRON PIN FOUND ON THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE (A 60 FOOT RIGHT-OF-WAY) LOCATED 1,245.70 WESTERLY ALONG SAID RIGHT-OF-WAY LINE FROM ITS INTERSECTION WITH THE WESTERLY RIGHT-OF-WAY LINE OF BOWERS ROAD; THENCE CONTINUING ALONG THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 73 DEGREES 01 MINUTES 41 SECONDS WEST A DISTANCE OF 79.08 FEET TO A POINT; NORTH 83 DEGREES 58 MINUTES 22 SECONDS WEST A DISTANCE OF 61.36 FEET TO A POINT; NORTH 89 DEGREES 15 MINUTES 33 SECONDS WEST A DISTANCE OF 45.91 FEET TO A POINT; SOUTH 87 DEGREES 44 MINUTES 03 SECONDS WEST A DISTANCE OF 34.64 FEET TO AN IRON PIN FOUND; SOUTH 84 DEGREES 52 MINUTES 36 SECONDS WEST A DISTANCE OF 38.45 FEET TO A POINT; SOUTH 82 DEGREES 13 MINUTES 56 SECONDS A DISTANCE OF 39.34 FEET TO A POINT; SOUTH 87 DEGREES 52 MINUTES 46 SECONDS WEST A DISTANCE OF 41.00 FEET TO A POINT; NORTH 84 DEGREES 17 MINUTES 13 SECONDS WEST A DISTANCE OF 30.34 FEET TO AN IRON PIN SET; NORTH 81 DEGREES 45 MINUTES 36 SECONDS WEST A DISTANCE OF 18.46 FEET TO A POINT; NORTH 85 DEGREES 39 MINUTES 50 SECONDS WEST A DISTANCE OF 37.70 FEET TO A POINT; SOUTH 88 DEGREES 01 MINUTES 52 SECONDS WEST A DISTANCE OF 52.05 FEET TO A POINT; NORTH 89 DEGREES 05 MINUTES 07 SECONDS WEST A DISTANCE OF 53.86 FEET TO AN IRON PIN SET AT THE TRUE POINT OF BEGINNING; THENCE CONTINUING ALONG THE NORTHERLY RIGHT OF WAY OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 85 DEGREES 30 MINUTES 13 SECONDS WEST A DISTANCE OF 26.52 FEET TO A POINT; NORTH 85 DEGREES 41 MINUTES 15 SECONDS WEST A DISTANCE OF 44.02 FEET TO A POINT; NORTH 82 DEGREES 20 MINUTES 05 SECONDS WEST A DISTANCE OF 53.61 FEET TO A POINT; AND NORTH 74 DEGREES 56 MINUTES 05 SECONDS A DISTANCE OF 29.35 FEET TO AN IRON PIN FOUND; THENCE LEAVING SAID RIGHT-OF-WAY LINE AND RUNNING NORTH 19 DEGREES 17 MINUTES 53 SECONDS EAST A DISTANCE OF 362.53 FEET TO AN IRON PIN FOUND; THENCE SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 89.97 FEET TO AN IRON PIN FOUND; THENCE SOUTH 09 DEGREES 15 MINUTES 57 SECONDS WEST A DISTANCE OF 355.45 FEET TO THE POINT OF BEGINNING; BEING SHOWN AS Lot #1 ON“FINAL CLASS I SUBDIVISION PLAT FOR ROQUE CONSTRUCTION,”PREPARED BY DRS & ASSOCIATES, PC, DOUGLAS R. SHERRILL REGISTERED SURVEYOR NO. 2995, DATED MAY 24, 2006.

Fallon E. Goodman, Paralegal

Quirk & Quirk, LLC

300 Century Springs West

6000 Lake Forrest Drive, N.W.

Atlanta, Georgia 30328

Phone: 404.252.1425 ext. 48

Fax: 404.671.9135

Confidentiality Notice:

The information contained in this message is intended only for the personal and confidential use of the designated recipients named above. This message may be an Attorney-Client communication, and as such is privileged and confidential. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this document in error, and any review, dissemination, distribution, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by phone and return the original message to us by mail.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in a Deed to Secure Debt by EUGENIA DE LA CRUZ SHEPHAR to Bank of America, N.A., dated November 9, 2007 and filed for record November 15, 2007 in Deed Book 1072, Page 1, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $130,800.00; there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Lumpkin County, Georgia, between the legal hours of sale on the first Tuesday in December, 2012, by Bank of America, N.A. as Attorney-in-Fact for EUGENIA DE LA CRUZ SHEPHAR the following property to-wit:

ALL THAT TRACT or parcel of land lying and being in Land Lot 428 and 1171 of the 15th and 12 District, 1st Section, Lumpkin County, Georgia, being Lot 5, Cavender Creek Meadow being 1.00 acre subdivision, as per plat recorded in Plat Book 1, Page 165, Lumpkin County, Georgia Records, which recorded plat is incorporated herein by this reference and made a part of this description. Said property being known as 458 Fortner Drive according to the present system of numbering property in Lumpkin County, Georgia. Parcel ID Number: 093 117. Subject to any easements or restrictions of record.

The above described property is also known as 458 FORTNER DRIVE, DAHLONEGA, GA 30533.

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney’s fees, if applicable.

The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable.

Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows:

Bank of America, N.A.

Home Loan Assistance Dept

7105 Corporate Drive

Plano, TX 75024

1-800-669-6650

The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require Bank of America, N.A. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

Bank of America, N.A.

as Attorney-in-Fact for

EUGENIA DE LA CRUZ SHEPHAR

SHUPING, MORSE & ROSS, L.L.P.

By: S. Andrew Shuping, Jr.

6259 Riverdale Road, Suite 100

Riverdale, GA 30274

770-991-0000

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Security Deed given by Dominic A. Smallwood and Dorothy C. Smallwood to FT Mortgage Companies d.b.a. HomeBanc Mortgage Corporation, dated October 15, 1999, recorded on October 26, 1999 in Deed Book Y23, Page 186, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to First Horizon Home Loans, a division of First Tennessee Bank National Association, the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of Seventy-Eight Thousand Nine Hundred and 00/100 DOLLARS ($78,900.00), with interest thereon as set forth therein, 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 December 4, 2012 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 and or parcel of land lying and being in Land Lots 108 and 109 of the 12th District and 1st Section of Lumpkin County, Georgia, being more fully described by a plat prepared by Albert N. Wynn, Jr., GA. RLS, dated April 7, 1987 and being recorded in Plat Book 17, Page 282 of Lumpkin County, Georgia records, which plat is hereby incorporated herein by reference.

Said property is known as 7952 Dawsonville Highway, Dawsonville, GA 30506, together with all fixtures and personal property attached to and constituting a party of said property, if any.

Said property will be sold as the property of Dominic A. Smallwood and Dorothy C. Smallwood, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Dominic A. Smallwood and Dorothy C. Smallwood or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the 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.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation of the audit of the status of the loan as provided immediately above.

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, without limitation, attorneys’ fees. Notice has been given of intention to collect attorneys’ fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, First Horizon Home Loans, a division of First Tennessee Bank National Association, is as follows: Nationstar Mortgage, LLC, 350 Highland Drive, Lewisville, TX 75067, 972-956-6203. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

First Horizon Home Loans, a division of First Tennessee Bank National Association

as Attorney in Fact for

Dominic A. Smallwood and Dorothy C. Smallwood

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

This is an attempt to collect a debt and any information obtained may be used for that purpose.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from AMY M SMITH, STONEY M SMITH to Mortgage Electronic Registration Systems, Inc. acting solely as a nominee for First Commonwealth Mortgage, dated September 30, 2005, recorded October 28, 2005, in Deed Book T36, Page 301-314, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Two Thousand Three Hundred Ten and 00/100 dollars ($122,310.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2005-13 , secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, all property described in said Security Deed including but not limited to the following described property:

STREET ADDRESS: 82 BLUE BIRD TRAIL DAHLONEGA, GEORGIA 30533

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 434 OF THE 12TH DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, AND BEING ALL OF LOT 10 OF SHADOW WOOD SUBDIVISION AS SHOWN ON THE SUBDIVISION PLAT OF SHADOW WOOD DATED SEPTEMBER 11, 1992, AND REVISED APRIL 21, 1995, AND REVISED OCTOBER 11, 1995, AND RECORDED IN PLAT BOOK 28, PAGE 183, LUMPKIN COUNTY, GEORGIA, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A COMPLETE DESCRIPTION OF SAID PROPERTY.

BEING THE SAME PROPERTY ACQUIRED BY THE ABOVE-REFERENCED MORTGAGOR BY DEED DATED 30TH DAY OF SEPTEMBER, 2005, FILED OF RECORD IN DEED BOOK T36, PAGE 299-300, OR INSTRUMENT NUMBER N/A IN THE OFFICE OF THE CLERK OF LUMPKIN COUNTY, GEORGIA

PARCEL ID: 031 180

Said legal description being controlling, however the property is more commonly known as 82 BLUEBIRD TRAIL, DAHLONEGA, GA 30533-0000.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is AMY M SMITH, STONEY M SMITH, AMY M SMITH, STONEY M SMITH, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2005-13

as Attorney in Fact for

AMY M SMITH, STONEY M SMITH

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Attorney Contact: Rubin Lublin, LLC, 3740 Davinci Court, Suite 150, Peachtree Corners, GA 30092

Telephone Number: (877) 813-0992 Case No. BAC-11-08272-0002

www.rubinlublin.com/property-listings.php

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of the default in the payment of a note executed by M & M VENDING, INC., to NEW HORIZONS BANK in the original principal amount of $261,890.80, dated December 14, 2010, secured by a Deed to Secure Debt from ELIZABETH W. TUCKER to NEW HORIZONS BANK dated November 30, 2007, recorded in Deed Book 1075, pages 746-751, Lumpkin County Georgia Deed Records, the Deed to Secure Debt subsequently assigned to Citizens South Bank as recorded in Deed Book 1186, page 265 Lumpkin County Deed Records, which has merged with Park Sterling Bank, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in December, 2012, during the legal hours of sale at the courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the following described property:

All that tract or parcel of land lying and being in Land Lots 686, 714, and 715 of the 12th District and 2nd Section of Lumpkin County, Georgia, consisting of 24.657 acres, more or less, as shown on a plat of survey for Leslie M. Jones and Elizabeth W. Tucker by Richard Webb & Associates Surveyors. Said Plat is recorded in Plat Cabinet 1, Slide 159, Plat 180, Lumpkin County Georgia Records, to which reference is made for a more complete and accurate legal description.

This sale will be held 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 indebtedness remaining in default, the sale will be made for the purpose of applying proceeds thereof to the payment of the indebtedness secured by the deed to secure debt, accrued interest and expenses of the sale and other sums secured by the deed to secure debt, and the remainder if any shall be applied as permitted by law.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is PARK STERLING BANK, 458 Highway 515 East, Blairsville, GA 30512. 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 of the undersigned’s knowledge and belief the property is in the possession of ELIZABETH W. TUCKER, and said property will be sold as the property of ELIZABETH W. TUCKER. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed.

The undersigned will execute a deed to the purchaser as authorized in the aforementioned deeds to secure debt.

This law firm is acting as a debt collector attempting to collect a debt and all information obtained shall be used for that purpose.

PARK STERLING BANK, successor by merger with

CITIZENS SOUTH BANK, as successor in interest to, and assignee of The Federal Deposit Insurance Corporation as

Receiver for New Horizon Bank

as attorney in fact for

ELIZABETH W. TUCKER

Randall Frost

Stewart, Melvin & Frost, LLP

P. O. Box 3280

Gainesville, GA 30503

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by LANCE MATTHEW WAYNE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., dated AUGUST 29, 2007, and recorded in Deed Book 1062, Page 9, Lumpkin County, Georgia records, AS LAST TRANSFERRED TO OCWEN LOAN SERVICING, LLC, BY ASSIGNMENT RECORDED IN LUMPKIN COUNTY, GEORGIA RECORDS, conveying the after-described property to secure a Note of even date in the original principal amount of $156,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, to wit: December 04, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 612 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.084 ACRES, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE PARTICULARLY SET OUT AS TRACT 2 ON A PLAT OF SURVEY DATED SEPTEMBER 2, 2005, REVISED MAY 2, 2007, PREPARED FOR MARK FISCHER BY MICHAEL STEWART KELLEY, GEORGIA REGISTERED LAND SURVEYOR. THIS PLAT IS RECORDED IN PLAT CABINET 1, SLIDE 154, PLAT 62A, LUMPKIN COUNTY RECORD, AND IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION.

ALSO CONVEYED HEREWITH IS AN EASEMENT FOR WATER SERVICE FROM THE WELL LOCATED ON THE PROPERTY SET OUT AS TRACT 3 ON THE ABOVE REFERENCED PLAT OF SURVEY. THIS EASEMENT SHALL RUN ALONG AND WITH THE EXISTING WATERLINES RUNNING FROM TRACT 2, ACROSS TRACT 1, AND TO THE WELL ON TRACT 3.

THIS PROPERTY IS CONVEYED SUBJECT TO ALL EASEMENTS FOR ROADS AND UTILITIES IN USE OR OF RECORD.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorneyís fees (notice of intent to collect attorneyís fees having been given).

Said property is commonly known as 256 BUCKHORN TAVERN ROAD, DAHLONEGA, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): LANCE MATTHEW WAYNE or tenant or tenants.

Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

Pursuant to O.C.G.A. Section 44-14-162.2, 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

Facsimile: 1-407-737-5693

The foregoing notwithstanding, nothing in OC.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being

OCWEN LOAN SERVICING, LLC

as attorney in fact for

LANCE MATTHEW WAYNE

Richard B. Maner, P.C.

5775 Glenridge Drive

Building D, Suite 100

Atlanta, GA 30328

(404)252-6385

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

Comments
(0)
Comments-icon Post a Comment
No Comments Yet
Legals (November 14th edition)
Nov 14, 2012 | 7470 views | 0 0 comments | 231 231 recommendations | email to a friend | print
gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Charlotte Self, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 15th day of October, 2012.

Jerry D. Self, Jr. Administrator

803 Alcova Drive

Social Circle, Georgia 30025

(10/24, 10/31, 11/7, 11/14)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Tommy Fouts, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 17th day of October, 2012.

Patricia L. Fouts, Executor/Administrator

286 Anderson Drive

Dahlonega, Georgia 30533

(10/24, 10/31, 11/7, 11/14)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Aldine Woodard, deceased, late of Lumpkin County, Georgia, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to me.

This 18th day of October, 2012.

Norma Milner Woodard, as Executrix of the Estate of Aldine Woodard, deceased

44 Woodard Lane

Cleveland, GA 30528

(10/24, 10/31, 11/7, 11/14)

gpn07

Georgia, Lumpkin County

NOTICE TO

DEBTORS AND CREDITORS

All creditors of the Estate of Marvin Neal Anderson, deceased, of Lumpkin 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 the undersigned.

Patricia Martin Anderson, as Executrix of the Estate of Marvin Neal Anderson, Deceased

c/o James M. Coyle

P.O. Box 3280

Gainesville, Georgia 30503

(10/24, 10/31, 11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JOHN ALSTON, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Ausburn Alston, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of John Alston, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: MRS. J.R. MCDONALD, DECEASED

ESTATE NO. MC-6

NOTICE OF PUBLICATION

To: The heirs of William E McDonald, the heirs of Robert Lee McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Mrs. J. R. McDonald, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: JENNIE L. SEITZ, DECEASED

ESTATE NO. A-10

NOTICE OF PUBLICATION

To: The heirs of Robert McDonald, unknown heirs at Law, and any heir whose current address is unknown

BE NOTIFIED: John Roger Palmour, in his capacity of County Administrator, has been appointed as successor administrator of the estate of Jennie L. Seitz, deceased. In accordance with OCGA § 53-2-51 et seq., the administrator has filed a Petition seeking to distribute the unclaimed assets of the estate to the Lumpkin County Board of Education to become part of the educational fund. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before November 26, 2012. All pleadings/objections must be signed before a Notary Public or before a Probate Court Clerk. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(10/24, 10/31, 11/7, 11/14)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of McKinley Delano Taylor, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 26th day of October, 2012.

Gita T. Williams, Executor

3102 Parks Run

Loganville, GA 30052

(10/31, 11/7, 11/14, 11/21)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Luther Jess Mayo, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 22nd day of October, 2012.

Martha Sue Mayo, Executor

138 Hidden Cove Road

Dahlonega, GA 30533

(10/31, 11/7, 11/14, 11/21)

gpn12

Notice of Lien Sale to the highest bidder

Millie’s Mini Storage

28 Millie’s Place

Dahlonega, GA 30533

off Morrison Moore Parkway East

On November 17, 2012, 10 a.m.

Contents of units are unknown and will be available for inspection at the time of sale.

Units to be sold: A037

Renee Matteson

(11/7, 11/14)

gpn07

IN THE PROBATE COURT OF

LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: ESTATE OF JAMES RALPH LOVELL, DECEASED

ESTATE NO. 2012-LA-141

PETITION FOR LETTERS

OF ADMINISTRATION

NOTICE

Jerrold B. Lovell has petitioned to be appointed Administrator of the estate of James Ralph Lovell, deceased, of said County. The Petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said Petition should not be granted. All objections to said Petition must be in writing, setting forth the grounds of any such objection, and must be filed with the Court on or before December 3, 2012. 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.

Michael A. Chastain

PROBATE JUDGE

By: Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(11/7, 11/14, 11/21, 11/28)

gpn10

CITATIon

Georgia, Lumpkin County

Estate No. 2012-GM-148

IN RE: Petition of John Edward Chester and Robin Darlene Chester for Temporary Letters of Guardianship of Daniel Levi Clark, a minor.

Date of second publication: Nov. 21, 2012

To: the biological father of Daniel Levi Clark

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 petitioners as temporary guardians, 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 as guardian; or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Michael A. Chastain

Probate Judge

By: Shelley Wilson

Probate Clerk

325 Riley Road, Room 122

Dahlonega, GA 30533

706-864-3847

(11/14, 11/21)

gpn10

CITATION

GEORGIA, LUMPKIN COUNTY

ESTATE NO. 2012-GM-151

IN RE: PETITION OF JENNIFER D. FARRELL FOR TEMPORARY LETTERS OF GUARDIANSHIP OF MILEENA KITANA DAUGHTERY, A MINOR

DATE OF SECOND PUBLICATION: November 21, 2012

To Billy Daughtery

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 to the appointment of the petitioners as temporary guardians, must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than ten days after the second publication of this notice. 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 petitioners as guardians, or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Michael Chastain

PROBATE JUDGE



By Shelley Wilson

PROBATE CLERK

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847.

(11/14, 11/21)

gpn18

Petition for Letters of

Administration Notice

In the Probate Court, County of Lumpkin, State of Georgia

In re: Estate of Rebecca N. Tyler, Deceased

Estate No. 2012-LA-145

Jessica Dowdle has petitioned to be appointed Administrator of the estate of Rebecca N. Tyler, deceased, of said County. The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or before December 10, 2012. All pleadings/objections must be signed under oath 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.

Michael A. Chastain

Probate Judge

by Shelley Wilson

Probate Clerk

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(11/14, 11/21, 11/28, 12/5)

gpn15

NOTICE OF PUBLIC HEARING

ON PROPOSED

MULTIFAMILY HOUSING REVENUE

BONDS TO BE ISSUED BY

THE HOUSING AUTHORITY OF THE CITY OF ATHENS, GEORGIA

Notice is hereby given that on the 29th day of November, 2012, at 8:30 a.m., in offices of the Housing Authority of the City of Athens, 300 S. Rocksprings Street, Athens, Georgia 30606, a Public Hearing will be held concerning the proposed issuance of multifamily housing revenue bonds in one or more series (the “Bonds”) by the Housing Authority of the City of Athens, Georgia (the “Issuer”) in the aggregate principal amount of not to exceed $65,000,000, for the purpose of assisting WWJ LLC, a South Carolina limited liability company (referred to as the “Borrower”) with the rehabilitation, renovation and modernization of approximately 44 multifamily residential rental housing projects. The projects to be rehabilitated, renovated and modernized and their locations are as follows (collectively, the “Projects”):

Apple Lane Apartments, 100 North 5th Street, Glenwood, Georgia;

Apple Village Apartments, 116 North 5th Street, Glenwood, Georgia;

Ashton Village Apartments, 137 Ashton Place, Waynesboro, Georgia;

Autumnwood Village Apartments, 237 Irwinville Road, Abbeyville, Georgia;

Azalea Village Apartments, 25 Azalea Circle, Crawford, Georgia;

Briarwood Village Apartments, 307 Geneva Road, Buena Vista, Georgia;

Briarwood Village II Apartments, 239 McNaughton Street, Cusseta, Georgia;

Brooks Hill Apartments, 185 Penland Street, Ellijay, Georgia;

Brooks Lane Apartments, 1203 Old 441 South, Clayton, Georgia;

Brooks Point Apartments, 555 Wimpy Mill Road, Dahlonega, Georgia;

Brooks Summitt Apartments, 70 Brooks Summitt Lane, Blue Ridge, Georgia;

Brooksfield Apartments, 1101 Peachtree Street, Louisville, Georgia;

Brookstone Apartments, 85 Brookstone Way, McCaysville, Georgia;

Carson Village Apartments, 47 Short Street, Wrightsville, Georgia;

Cherry Lane Apartments, 616 Cherry Street, Unadilla, Georgia;

Deerwood Village Apartments, 184 East Main Street, Adrian, Georgia;

Doyle Village Apartments, 1030 North Darien Street, SW, Darien, Georgia;

Edison Lane Apartments, 19264 Hartford Street, Edison, Georgia;

Edison Village Apartments, 19264 Hartford Street, Edison, Georgia;

Falls Park Apartments, 47 Falls Park Drive, Toccoa, Georgia;

Forest Glen Village Apartments, 1805 Edwina Drive, Vidalia, Georgia;

Gibson Village Apartments, 388 Project Street, Gibson, Georgia;

Hamilton Village Apartments, 6670 Hamilton Street, Preston, Georgia;

Highland Village Apartments, 510 Plaza Trace, Monroe, Georgia;

Holly Village Apartments, 128 Holly Street, Buchanan, Georgia;

Houston Village Apartments, 55 S. Jefferson Street, Alamo, Georgia;

Laurel Village Apartments, 331 Battle Street, Wadley, Georgia;

Maple Lane Apartments, 197 GA Hwy 305, Midville, Georgia;

Meadowbrook Village Apartments, 130 Lonnie Lane , Americus, Georgia;

Oak Village Apartments, 225 Jackson Street, Zebulon, Georgia;

Pecan Village Apartments, 100 Hayes Avenue, Ellaville, Georgia;

Pine Lane Apartments, 134 South Church Avenue, Pine Mountain, Georgia;

Pine Manor Apartments, 511 West 9th Street, Rincon, Georgia;

Pine Village Apartments, 434 Cherokee Street, Pine Mountain, Georgia;

Quail Run Apartments, 100 Smith Street, Reidsville, Georgia;

Rosewood Village Apartments, 760 South Peterson Street, Willacoochee, Georgia;

Santa Ana Apartments, 56 S. Broad Street, Alamo, Georgia;

Shady Grove Apartments, 474 East Oglethorpe Street, Ellaville, Georgia;

Talbot Village I Apartments, 260 Clark Street, Talbotton, Georgia;

Talbot Village II Apartments, 133 Dennis Creek Road, Talbotton, Georgia;

Westview I Apartments, 150 Westview Drive, Sylvania, Georgia;

Westview II Apartments, 150 Westview Drive, Sylvania, Georgia;

Willowpeg Lane Apartments, 115 Willowpeg Way, Rincon, Georgia; and

Willowpeg Village Apartments, 111 Willowpeg Way, Rincon, Georgia.

The Projects will be managed by Boyd Management, Inc. The hearing will be held before a hearing officer designated by the Housing Authority of the City of Athens, Georgia, and may be continued or adjourned.

The Bonds, when and if issued, will be the limited obligation of the Issuer and will not constitute a general obligation of the State of Georgia, the Unified Government of Athens-Clarke County, Georgia, the Issuer, or any other political subdivision of the State of Georgia, nor shall the Bonds be payable in any manner by taxation, but are payable solely from the payments made by or on behalf of the Borrower, pursuant to an agreement between the Issuer and the Borrower which are pledged to the payment of the Bonds. The issuance of Bonds will allow for the rehabilitation, renovation, modernization and continued operation of the Projects and is in furtherance of the public purpose of the Issuer.

Further information regarding the proposed Bonds and the proposed facility financed are of public record in the office of the Housing Authority of the City of Athens, Georgia at 300 S. Rocksprings Street, Athens, Georgia 30606. Any interested party having views on the proposed issuance of the Bonds or the nature or location of the proposed Projects may be heard at such public hearing.

(11/14,)

gpn13

NOTICE OF PUBLIC HEARING

Please take notice that the Governing body of the City of Dahlonega has received the following applications which will be heard by the Dahlonega Planning & Zoning Commission on Monday December 10, 2012 at 7:00 p.m. and Zoning Board of Appeals/City Council on Monday January 7, 2013 at 6:00 p.m. Both meetings will be held in the City Hall Council Chambers located at 465 Riley Road. All applications are available for review at the City Planning Office.

Application submitted by American Legion for Variance of Ordinance 91-9 Section 2001 front setback from 60 feet to 10 feet. Property ID. Tax Map 079 Parcel 010. Property location: off of Morrison Moore Parkway East.

(11/14)

gpn06

NOTICE OF INCORPORATION

Notice is given that Articles of Incorporation which will incorporate David Garton Ministry, Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. (O.C.G.A ss 14-2-201.1) The initial registered office of the corporation is located at 45 Eagle Overlook Drive, Dahlonega, GA 30533 and its initial registered agent is Jon W. Newcomer.

JON W. NEWCOMER, CPA, PC

106 Pilgrim Village Drive, Suite 300

Cumming, GA 30050

770-886-9009

(11/14, 11/21)

gpn06

NOTICE OF INCORPORATION

Notice is given that Articles of Incorporation that will incorporate Friends of the Lumpkin County Library have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Corporation Code. The initial registered office of the corporation is located at 342 Courthouse Hill, Dahlonega, GA 30533 and its initial registered agent is Lyn Hopper.

(11/14, 11/21)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Carolyn J. Burgess to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR BNC MORTGAGE, INC., A DELAWARE CORPORATION, dated May 31, 2007, recorded in Deed Book 1052, Page 625, Lumpkin County, Georgia records, as last transferred to U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-BC4 by assignment recorded or to be recorded, Lumpkin County, Georgia records conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED NINETY-SEVEN THOUSAND AND 00/100 DOLLARS ($297,000.00); 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 Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012 the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 116 IN THE 11TH DISTRICT, ORIGINALLY OF HALL, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 3.01 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED

ACCORDING TO A PLAT OF SURVEY PREPARED SEPTEMBER 15, 1993 BY OWEN PATTON, GEORGIA REGISTERED SURVEYOR #1324, WHICH IS RECORDED IN PLAT BOOK 26 PAGE 28, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN FOR A MORE FULL AND COMPLETE DESCRIPTION.

ALSO CONVEYED HEREBY IS ALL OF THE GRANTOR’S INTEREST IN THE NON-EXCLUSIVE, PERPETUAL EASEMENT FOR INGRESS, EGRESS, AND THE INSTALLATION OF ALL NECESSARY UTILITIES 40 FEET WIDE OR 20 FEET FROM EACH SIDE OF THE CENTERLINE OF THE EXISTING ROADWAY (KNOWN AS THE HALL LUMPKIN COUNTY ROAD) WHICH TRAVERSES THE SOUTHWESTERN BOUNDARY OF THE SUBJECT PROPERTY WHICH LEADS FROM THE SOUTHWESTERN CORNER OF THE SAID PROPERTY IN A SOUTHEASTERLY DIRECTION TO THE EXISTING COUNTY ROAD ACROSS OTHER PROPERTY NOW OR FORMERLY OWNED BY THE GRANTOR AND HIS PREDECESSORS IN TITLE AND/OR THEIR SUCCESSORS IN TITLE.

**FOR INFORMATIONAL PURPOSE ONLY**

THE IMPROVEMENTS THEREON BEING KNOWN AS 266 PONY LAKE LANE, DAHLONEGA, GA 30533

TAX ID#099-013

THE ABOVE DESCRIBED PROPERTY WAS TAKEN IN FEE SIMPLE

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, Fax 407-737-5693. 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 parties in possession of the property are Carolyn J. Burgess or a tenant or tenants and said property is more commonly known as 266 Pony Lake Ln, Dahlonega, GA 30533.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-BC4

As Attorney in Fact for Carolyn J. Burgess

Weissman, Nowack, Curry & Wilco, PC

Attn: Ocwen Team

One Alliance Center

3500 Lenox Road

Atlanta, GA 30326

Our File# 015364

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt from NICOLE VINCA CANNISTRACI to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated May 7, 2007, filed for record May 11, 2007, and recorded in Deed Book 1041, Page 650, LUMPKIN County, Georgia Records, as last transferred to BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by assignment recorded in Deed Book 1223, Page 259, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated May 7, 2007 in the original principal sum of NINETY SIX THOUSAND THREE HUNDRED EIGHTY SEVEN AND 0/100 DOLLARS ($96,387.00), with interest from date at the rate stated in said Note 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 LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in December, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debt secured by said Deed to Secure Debt 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.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP holds the duly indorsed Note and is the assignee of the Security Deed to your property. BANK OF AMERICA, N.A. services your loan on behalf of BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, the current beneficial owner of your loan. The servicer of this loan is BANK OF AMERICA, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is BANK OF AMERICA, N.A., 7105 CORPORATE DR, PLANO, TX 75024-4100;. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.

Said property will be sold 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.

Said property will be sold as the property of NICOLE VINCA CANNISTRACI.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP

As Attorney-in-Fact for

NICOLE VINCA CANNISTRACI

Phelan Hallinan PLC

303 Perimeter Center North, Suite 800

Atlanta, GA 30346

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 10442

This law firm is acting as a debt collector. Any information obtained will be used for that purpose.

EXHIBIT A

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 145, 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, CONTAINING 1.419 ACRES, AS PER PLAT OF SURVEY FOR FRANKIE PERRY DATED DECEMBER 21, 1998, BY FARLEY-COLLINS ASSOCIATES, GEORGIA REGISTERED LAND SURVEYORS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:TO FIND THE TRUE POINT OF BEGINNING, BEGIN AT A POINT LOCATED AT THE INTERSECTION OF WOODY PLACE AND THE LINE COMMON TO LAND LOTS 145 AND 175, LUMPKIN COUNTY, GEORGIA; THENCE SOUTH 89 DEGREES 57 MINUTES 11 SECONDS EAST A DISTANCE OF 22.11 FEET TO AN IRON PIN FOUND; THENCE SOUTH 89 DEGREES 57 MINUTES 11 SECONDS EAST A DISTANCE OF 177.89 FEET TO AN IRON PIN FOUND, WHICH POINT IS THE TRUE POINT OF BEGINNING; THENCE NORTH 89 DEGREES 57 MINUTES 11 SECONDS WEST A DISTANCE OF 204.29 FEET TO A POINT; THENCE NORTH 22 DEGREES 35 MINUTES 05 SECONDS EAST A DISTANCE OF 369.67 FEET ALONG THE CENTER LINE OF A GEORGIA POWER COMPANY TRANSMISSION LINE (WHICH LINE IS THE PROPERTY) TO A POINT LOCATED IN THE CENTERLINE OF WOODY PLACE THE FOLLOWING COURSES AND DISTANCES; SOUTH 80 DEGREES 14 MINUTES 56 SECONDS EAST A DISTANCE OF 50.38 FEET; SOUTH 84 DEGREES 55 MINUTES 28 SECONDS EAST A DISTANCE OF 52.03 FEET; SOUTH 83 DEGREES 46 MINUTES 22 SECONDS EAST A DISTANCE OF 51.81 FEET; SOUTH 76 DEGREES 47 MINUTES 53 SECONDS EAST A DISTANCE OF 50.68 FEET; SOUTH 62 DEGREES 17 MINUTES 21 SECONDS EAST A DISTANCE OF 40.96 FEET; SOUTH 43 DEGREES 28 MINUTES 07 SECONDS EAST A DISTANCE OF 40.59 TO A POINT; THENCE LEAVING THE CENTERLINE OF WOODY PLACE AND PROCEEDING SOUTH 73 DEGREES 51 MINUTES 54 SECONDS WEST A DISTANCE OF 213.07 FEET TO AN IRON PIN FOUND.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt. (“Security Deed”) executed by Tad Cantrell in favor of Habersham Bank dated June 11, 2009, recorded at Deed Book 1134, Pages 473-477 of the Lumpkin County Deed Records; Modification Agreement dated June 4, 2011, recorded at Deed Book 1188, Page 332 of the aforesaid deed records; and assigned pursuant to that Transfer and Assignment of Deed to Secure Debt from FDIC in its capacity as Receiver for Habersham Bank to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. dated March 26, 2012, and recorded at Deed Book 1209, Pages 777-783 of the aforesaid deed records, the undersigned will sell at public outcry to the highest bidder for cash before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale, on the first Tuesday in December, that being December 4, 2012, the following described property:

All that tract or parcel of land, lying and being in Land Lots 83 and 86, 1st District, originally of Habersham, now of Lumpkin County, Georgia, identified as Tract 1-A, containing 6.004 acres, more or less, on a plat of survey, dated May 6, 2009, prepared for James Edge by Jason T. Lourie, Georgia Registered Land Surveyor No. 3029, recorded in Cabinet 1, Slide 176, Plat 117, Office of the Clerk of Superior Court, Lumpkin County, Georgia. Reference is hereby made to said plat of survey and the record thereof for a more complete description of said property.

Also conveyed is a non-exclusive and unobstructed easement for ingress and egress to the above-described property from Soapstone Road over and through the existing easement road and then extending along the Western boundary of Tract 1-B, as shown on the above-referenced plat of survey.

The debt secured by said Security Deed is evidenced by a note (the “Note”) from Amy S. Cantrell, dated June 4, 2011 in the original principal amount of $26,117.17, 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 Tad Cantrell, 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 Tad Cantrell and will be sold as the property of Tad Cantrell.

The undersigned will execute a deed to the purchaser as authorized in the aforementioned Security Deed. Tad Cantrell

By: SCBT d/b/a CBT, a Division of SCBT f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-Fact

Hulsey, Oliver & Mahar, LLP

P. O. Box 1457

Gainesville, GA 30503

(770) 532-6312

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Pursuant to the Power of Sale contained in a Security Deed given by Terry Harold Cash and Angela Wilson Cash to Mortgage Electronic Registration Systems, Inc. as nominee for First Franklin, A Division of Nat. City Bank of IN dated 4/27/2006 and recorded in Deed Book W37 Page 324, LUMPKIN County, Georgia records; as last transferred to Residential Funding Company, LLC, conveying the after-described property to secure a Note in the original principal amount of $ 118,150.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012 (December 04, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 49, 1ST DISTRICT, LUMPKIN COUNTY, GEORGIA AND BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY JAMES N. CASH, GA. REG. SUR. DATED JUNE 2, 1999 AS TRACT I CONTAINING 3.00 ACRES, MORE OR LESS, AND TRACT II CONTAINING 3.165 ACRES, MORE OR LESS, SAID PLAT BEING RECORDED IN THE CLERK’S OFFICE OF THE SUPERIOR COURT OF LUMPKIN COUNTY, GA IN CABINET ONE, SLIDE 31, PAGE 10. SAID PLAT AND THE RECORD THEREOF ARE HEREIN INCORPORATED FOR A FULL AND COMPLETE LEGAL DESCRIPTION.

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

Said property is commonly known as 2636 Post White Hill Road, Murrayville, GA 30564 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Angela Wilson Cash and Terry Harold Cash or tenant or tenants.

GMAC Mortgage, LLC is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

GMAC Mortgage, LLC

Loss Mitigation

3451 Hammond Avenue

Waterloo, IA 50702

(800) 850-4622

Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

Residential Funding Company, LLC as agent and Attorney in Fact for Terry Harold Cash and Angela Wilson Cash

Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1165-1115

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Charles Diperi to New South Federal Savings Bank Manufactured Housing Division dated December 4, 1998 in the amount of $77,768.70, and recorded in Deed Book P21, Page 66; re-recorded at Book A22, Page 119, Lumpkin County, Georgia Records; as last transferred to LPP Mortgage LTD by assignment; the undersigned, LPP Mortgage LTD 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 December, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 96, 11th District, Lumpkin County, Georgia, Lot B, containing 1.151 acres, Camelot Subdivision, according to the plat thereof as recorded in Cabinet 1, Slide 14, Page 70A, Lumpkin County, Georgia records, which plat is incorporated herein and made a part hereof by this reference.

which has the property address of Camelot Subdivision, Lot B, Dahlonega, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Charles Diperi 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.

LPP Mortgage LTD

Attorney in Fact for

Charles Diperi

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:11-07-2012, 11-14-2012, 11-21-2012, 11-28-2012

File No. 12-08312 /CONV/sstojanovic

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.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Timber J Gaddis and Derrick Wayne Gaddis to Mortgage Electronic Registration Systems, Inc., dated August 22, 2007, recorded in Deed Book 1061, Page 410, Lumpkin County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 1226, Page 509, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-NINE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($129,900.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, 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. SunTrust Mortgage, Inc. is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Timber J Gaddis and Derrick Wayne Gaddis or a tenant or tenants and said property is more commonly known as 201 Cheyenne Drive, Dahlonega, Georgia 30533. 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 Timber J Gaddis and Derrick Wayne Gaddis McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/nrb1 12/4/12 Our file no. 51042512-FT15 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 339 of the 15th District, 1st Section of Lumpkin County, Georgia, consisting of 1.00 acre, more or less, together with all improvements located thereon, and being more particularly set out as Tract “C” on a plat of survey dated mrch 2, 2000 prepared for Susan Dawn Ledford by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in plat cabinet 1, slide 44, plat 78, Lumpkin County Records, and is incorporated herein by reference for a more detailed description. Also conveyed herewith is a perpetual, non-exclusive easement twelve feet in width along and with the existing gravel drive known as Cheyenne Drive for that portion of the drive with crosses Land Lots 342 and 343 leading from Leonard Pruitt Road to the southern boundary of Land Lot 339 as was conveyed in that Corrective Grant of Easement dated March 17, 2000, which is recorded in deed book X-24 pages 89-90, Lumpkin County Records. Also, conveyed herewith is a perpetual, non-exclusive easement, thirty feet in width, running along and with the existing gravel drive known as Cheyenne Drive leading from the southern land lot line of Land Lot 339 to the subject property as shown on the above referenced plat of Survey. Also conveyed herewith is a perpetual, non-exclusive easement for water service from the well house located to the north of the subject tract as depicted on that plat of survey. This easement shall be ten feet and shall run from subject property along the water lines to the well houses and shall include an area with a 10 foot radius around the well. MR/nrb1 12/4/12 Our file no. 51042512 - FT15

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 that certain Deed to Secure Debt given by James Garris and Ruby Lee Garris to Lumpkin County Bank, dated July 31, 2002 and filed August 12, 2002, recorded in Deed Book T29, Page 632, Lumpkin County, Georgia Records, later amended and modified, and transferred by merger to SunTrust Bank, conveying the after-described property to secure a Promissory Note in the original principal amount of Three Hundred Eighty Nine Thousand Sixty Eight Dollars and No Cents ($389,068.00), 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 Lumpkin County, Georgia, within the legal hours of sale on Tuesday December 4, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 73 of the 11th District and 1st Section of Lumpkin County, Georgia, containing 10.00 acres, more or less, as per a plat of survey prepared for William E. Reed, III and Dorothy O. Reed, by Henry Bailey, Georgia Registered Surveyor, dated January 12, 1981, recorded in Plat Book 9, Page 167, Lumpkin County records. Said plat of survey is incorporated herein by reference for a more particular description of the above property.

This conveyance is made subject to easements for public roads and utilities now in use.

This conveyance is made subject to any easements of record or easements located on the property above described.

And

All that tract or parcel of land lying and being in Land Lot 73 of the 11th District and 1st Section of Lumpkin, originally Hall, County, Georgia, containing 26.277 acres, more or less, and being described and delineated according to a plat of survey prepared by Henry Bailey, Georgia Registered Surveyor, dated January 31, 1981, recorded in Plat Book 8, Page 80, Lumpkin County records. Said plat of survey is incorporated herein by reference for a more particular description of the above property.

This conveyance is made subject to easements for public roads and utilities now in use.

This conveyance is made subject to any easements of record or easements located on the property above described.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Promissory Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

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 Deed to Secure Debt first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is James Garris and Ruby Lee Garris or a tenant or tenants and said property is more commonly known as an unassigned address of 0 Apple Valley Road, Dahlonega, GA 30533 and 164 Apple Valley Road, Dahlonega, GA 30533.

In compliance with Georgia law, please find below the contact information for the entity who has authority to negotiate, amend, and modify the terms of the loan documents which may include a note, mortgage, security deed or deed to secure debt.

SunTrust Bank

Attn: Consumer Home Retention Group, VA-Richmond-RVW 7954

1001 Semmes Avenue

Richmond, VA 23224

1(888) 886-0696

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 Deed to Secure Debt.

SunTrust Bank, as Attorney in Fact for James Garris and Ruby Lee Garris

By: Andrew D. Gleason

Attorney for SunTrust Bank

Lefkoff, Rubin, Gleason & Russo, P.C.

5555 Glenridge Connector

Suite 900

Atlanta, Georgia 30342

(404)869-6900

(404)869-6909 (fax)

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by that certain Security Deed, dated October 17, 2007, executed by Lelia Faith Goss to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for Taylor, Bean & Whitaker Mortgage Corp., recorded in Deed Book 1069, Page 100, Lumpkin County, Georgia Deed Records, and securing a Note in the original principal amount of $86,000.00, said Security Deed last having been assigned to Ocwen Loan Servicing, LLC, the current holder thereof, has declared the entire amount of said indebtedness evidenced by the Note immediately due and payable and, pursuant to the power of sale contained in said Security Deed, will, on the first Tuesday in December, 2012, to-wit: December 4, 2012, during the legal hours of sale, before the Lumpkin County Courthouse door, sell at public outcry to the highest bidder for cash, the following described real property:

All that tract or parcel of land lying and being in Land Lot 228 of the 12th District and 1st Section of Lumpkin County, Georgia, consisting of 0.89 acre, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated April 8, 1992, prepared by Michael L. Scupin, Georgia Registered Land Surveyor, and being recorded in Plat Book 24, Page 76, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference.

The aforedescribed real property is also known as 312 Frank Christian Road, Dahlonega, GA 30533, according to the present system of numbering houses in Lumpkin County, Georgia.

This sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit as to the amount and status of the loan with the holder of the Security Deed, including but not limited to, a determination that the borrower has not reinstated the loan prior to the foreclosure sale.

The name, address and telephone number of the individual or entity with full authority to negotiate, amend and modify all terms of the Note and Security Deed is Ocwen Loan Servicing, LLC, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409. The telephone number is (877) 596-8580.

Said real property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the real property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

Upon information and belief, said real property is presently in the possession or control of LELIA FAITH GOSS and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Security Deed and the excess proceeds, if any, will be distributed as provided by law.

OCWEN LOAN SERVICING, LLC

as Attorney-in-Fact for

LELIA FAITH GOSS

David W. Adams, Esquire

Ellis, Painter, Ratterree & Adams LLP

2 East Bryan Street, Suite 1001

Savannah, Georgia 31401

(912) 233-9700

THIS LAW FIRM MAY BE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement from JOSEPH H. HALL, JR. (“Grantor”), to COMMUNITY & SOUTHERN BANK, AS SUCCESSOR IN INTEREST TO AND ASSIGNEE OF THE FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER FOR GEORGIA TRUST BANK (“Grantee”), dated November 19, 2006, recorded November 21, 2006, in Deed Book 1015, Page 157, Lumpkin County, Georgia records, as modified by that certain Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded October 23, 2007, in Deed Book 1069, Page 115, aforesaid records; as modified by that certain Second Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded January 18, 2008, in Deed Book 1079, Page 386, aforesaid records; as modified by that certain Third Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded January 8, 2009, in Deed Book 1117, Page 219, aforesaid records; as modified by that certain Fourth Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded February 8, 2010, in Deed Book 1152, Page 742, aforesaid records; as modified by that certain Fifth Modification of Deed to Secure Debt and Security Agreement between Grantor and Georgia Trust Bank recorded August 6, 2010, in Deed Book 1166, Page 195, aforesaid records; as subsequently assigned to Community & Southern Bank by Assignment of Security Instruments and Other Loan Documents recorded August 15, 2012, in Deed Book 1221, Page 597, aforesaid records (said Security Deed as may have been modified, amended and assigned from time to time, hereinafter referred to collectively as the “Security Deed”), said Security Deed being given to secure the payment of two promissory notes dated November 19, 2006, made by Grantor to the order of Georgia Trust Bank, in the original principal amount of SIX HUNDRED FIFTY-TWO THOUSAND AND 00/100 DOLLARS ($652,000.00) and FOUR HUNDRED THOUSAND AND 00/100 DOLLARS ($400,000.00), as renewed by two promissory notes dated July 14, 2010, as said principal amounts were modified to $577,991.86 and $350,126.88 (said promissory notes, as renewed, modified and assigned from time to time, hereinafter referred to collectively as the “Note”), together with all other amounts payable by Grantor to Grantee, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday of December, 2012, the following described land and interests in land, estates, easements, rights, improvements, personal property, fixtures, equipment, furniture, furnishings, appliances and appurtenances (hereinafter referred to collectively as the “Premises”):

All those certain tracts, pieces or parcels of land more particularly described in Exhibit A attached hereto and by this reference made a part hereof (hereinafter referred to as the Land).

All buildings, structures and improvements of every nature whatsoever situated on the Land, and all gas and electric fixtures, radiators, heaters, engines and machinery, boilers, ranges, elevators and motors, plumbing and heating fixtures, carpeting and other floor coverings, fire extinguishers and any other safety equipment required by governmental regulation or law, water heaters, mirrors, mantels, air conditioning apparatus, refrigerating plants, and appurtenances, window screens, awnings and storm sashes, which are attached to said buildings, structures or improvements and all other fixtures, building supplies and materials, books and records, and personal property of every kind and nature whatsoever owned by Grantor and located in, on or about, or used or intended to be used with or in connection with the use, operation or enjoyment of the Premises, including all extensions, additions, improvements, betterments, after-acquired property, renewals, replacements and substitutions, or proceeds from a permitted sale of any of the foregoing, and all the right, title and interest of Grantor in any such fixtures, and personal property subject to or covered by any prior security agreement, conditional sales contract, chattel mortgage or similar lien or claim, together with the benefit of any deposits or payments made by Grantor or on behalf of Grantor, and all fixtures, and general intangibles constituting proceeds acquired with cash proceeds of any of the property described hereinabove, all of which are deemed to be fixtures and accessions to the Land and a part of the Premises as between the parties hereto and all persons claiming by, through or under them, and which is deemed to be a portion of the security for the indebtedness described in and secured by the Security Deed. The location of the above-described collateral is also the location of the Land.

All easements, rights-of-way, strips and gores of land, vaults, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, minerals, flowers, shrubs, crops, trees, timber and other emblements located on the Land or under or above the same or any part or parcel thereof, and all estates, rights, titles, interests, privileges, liberties, tenements, hereditaments and appurtenances, reversion and reversions, remainder and remainders, whatsoever, in any way belong, relating or appertaining to the Premises or any part thereof owned by Grantor.

All income, rents, issues, profits and revenues of the Premises (including without limitation all payments under leases or tenancies, proceeds of insurance, condemnation payments, tenant security deposits whether held by Grantor or in a trust account, and escrow funds), and all the estate, right, title, interest, property, possession, claim and demand whatsoever at law, as well as in equity, of Grantor of, in and to the same.

The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed including, but not limited, to the failure to make payments thereunder when due. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale and all other payments provided for under the Security Deed, including attorneys’ fees as provided in the Note and Security Deed, notice of intention to collect attorneys’ fees having been given as provided by law, and the remainder, if any, shall be applied as provided by law.

Grantee reserves the right to sell the Premises in one parcel and as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed.

To the best of Grantee’s knowledge and belief, the parties in possession of the Property are Grantor and/or tenants of Grantor or other persons in possession with the consent or acquiescence of Grantor.

Said Premises will be sold as the property of Grantor subject to all unpaid real estate ad valorem taxes, governmental assessments and related liens and all prior restrictions, reservations, covenants, rights-of-way, easements, encumbrances and other matters of record, if any, appearing of record prior to the date of the Security Deed and those appearing after the date of the Security Deed and consented to of record by Grantee.

COMMUNITY & SOUTHERN BANK, AS SUCCESSOR IN INTEREST TO AND ASSIGNEE OF THE FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER FOR GEORGIA TRUST BANK, ATTORNEY-IN-FACT FOR JOSEPH H. HALL, JR.

Taylor English Duma LLP

1600 Parkwood Circle, Suite 400

Atlanta, Georgia 30339

Attn: Paul G. Durdaller, Esq.

(678) 336-7174

EXHIBIT “A”

Tract 1:

All that tract or parcel of land lying or being in Land Lot 217 and 218 of the 13th District and 1st Section of Lumpkin County, Georgia consisting of 1.23 acres, more or less, and being more particularly set out on a plat of survey dated October 1, 1991 and prepared for MBS Enterprises, Inc., by Michael L. Scupin, Georgia registered land surveyor. This plat is recorded in Plat Book 23, page 231, Lumpkin County, Records, and is by reference incorporated herein for a more detailed description.

Tract 2:

All that tract or parcel of land lying or being in Land Lot 218 of the 13th District and 1st Section of Lumpkin County, Georgia consisting of 1.21 acres, more or less, and being more particularly shown on plat of survey for Dynamic Designs, Inc., dated September 6, 1991, prepared by Michael L. Scupin, Georgia registered land surveyor. This plat is recorded in Plat Book 23, page 236, Lumpkin County, Records, and is by reference incorporated herein for a more detailed description.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

NOTICE OF SALE UNDER POWER GEORGIA, LUMPKIN COUNTY By virtue of a Power of Sale contained in that certain Security Deed from Robert G. Lee, II a/k/a Robert George Lee and Brittney Lee a/k/a Brittney L. Lee to Branch Banking and Trust Company, dated February 7, 2005, recorded February 14, 2005, in Deed Book E-35, Page 728, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of ONE HUNDRED FIFTY THOUSAND SEVEN HUNDRED EIGHTY-SEVEN DOLLARS AND FIFTY-SEVEN CENTS ($150,787.57), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December 2012 by the secured creditor, Branch Banking and Trust Company, as Attorney in Fact for Robert G. Lee, II a/k/a Robert George Lee and Brittney Lee a/k/a Brittney L. Lee, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 102 IN THE 11TH DISTRICT, ORIGINALLY OF HALL, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.00 ACRE, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 23 OF THE PINEWOOD PLACE SUBDIVISION PHASE II AS SHOWN ON A PLAT OF SURVEY PREPARED BY PATTON AND PATTON, GEORGIA REGISTERED SURVEYORS DATED APRIL 25, 1996, WHICH IS RECORDED IN PLAT BOOK 30, PAGE 61, LUMPKIN COUNTY RECORDS. THE PROPERTY IS SUBJECT TO RESTRICTIVE COVENANTS WHICH ARE SET OUT MORE FULLY IN A DOCUMENT WHICH IS RECORDED IN DEED BOOK B-14, PAGE 153, LUMPKIN COUNTY RECORDS, AND WHICH WERE CORRECTED UNDER A DOCUMENT RECORDED IN DEED BOOK T-16, PAGES 202-204, LUMPKIN COUNTY RECORDS. THE PROPERTY IS ALSO CONVEYED ALONG WITH, AND SUBJECT TO A 60 FOOT EASEMENT FOR EVERGREEN COURT AND THE UN-NAMED PROPOSED ROAD AS SHOWN ON SAID PLAT OF SURVEY. Said property being known as 90 Evergreen Court, Dahlonega, GA 30533 according to the present numbering system in Lumpkin County. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Robert G. Lee, II a/k/a Robert George Lee and Brittney Lee a/k/a Brittney L. Lee or tenant(s). 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. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Branch Banking and Trust Company, 150 Stratford Road, Suite 201, Winston-Salem, NC 27104 TEL (866) 909-4852. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Marvin D. Long AKA Marvin Douglas Long to Anchorage Mortgage Corporation, dated September 14, 1995, recorded in Deed Book E15, Page 307, Lumpkin County, Georgia Records, as last transferred to First Security Savings Bank, FSB by assignment recorded in Deed Book E15, Page 314, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of FORTY-FIVE THOUSAND AND 0/100 DOLLARS ($45,000.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, 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. Flagstar Bank, FSB fka First Security Savings Bank FSB is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2.

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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Marvin D. Long AKA Marvin Douglas Long or a tenant or tenants and said property is more commonly known as Rt. 2 Box 32 Wellington, Dahlonega, Georgia 30533. 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Flagstar Bank, FSB fka First Security Savings Bank FSB

as Attorney in Fact for

Marvin D. Long AKA Marvin Douglas Long

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mtj 12/4/12

Our file no. 559812-FT15

EXHIBIT “A”

All that lot, tract or parcel of land lying and being in Land Lot 117 of the 11th Land District, of Old Hall County, Lumpkin County, Georgia and being all of Lot 32 of Wellington Subdivision Phase I and being more fully described according to survey recorded in Plat Book 28, page 10, Lumpkin County, Georgia Plat Records. Said plat and the descriptions contained thereon are hereby incorporated herein by reference for a complete description of said property. MR/mtj 12/4/12 Our file no. 559812 - FT15

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness evidenced by the Note (as hereinafter described), secured by a Real Estate Deed to Secure Debt from Cynthia R. Marshall (hereinafter referred to as “Grantor”) to Mountain Valley Community Bank, dated January 31, 2008, filed for record in Deed Book 1081, Page 703, in the Office of the Clerk of the Superior Court of Lumpkin County, Georgia (hereinafter called the “Security Deed”), the undersigned, Mountain Valley Community Bank, pursuant to said Security Deed and that certain Universal Note dated February 1, 2011, in the original principal amount of $139,772.82 (hereinafter referred to as the “Note”) has declared the entire amount of said indebtedness due and payable. Therefore, pursuant to and by virtue of the power of sale contained in the Security Deed, there will be sold by the undersigned at public outcry to the highest and best bidder for cash before the Courthouse door on the courthouse steps at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012 the following described property:

All that tract or parcel of land lying and being in Land Lot 1020 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 2.41 acres, more or less, together with all improvements located thereon, and being more particularly set out as the “out parcel to Luther Carder” on a plat of survey dated May 15, 1990, revised January 29, 1991, prepared by Michael L. Scupin, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 22, Page 156, Lumpkin County Records, and is incorporated herein by reference for a more detailed description, together with all fixtures and personal property attached to and constituting a part of said property, and replacements and additions.

Also conveyed herewith are those easement provisions conveyed in that Easement dated May 4, 2005, between Luther Carder, Martha Carder and Cindy R. Trammell recorded in Deed Book V-35, Page 499, Lumpkin County Records.

This property is conveyed subject to all easements for roads and utilities in use or of record.

TOGETHER WITH all of the buildings, building materials, fixtures and improvements on, in and to the property and all easements, rights, rents, royalties, mineral, oil and gas rights, profits and water rights.

The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale, and all other payments provided for under the Security Deed, including permitted attorneys’ fees as provided in the Note and Security Deed, notice of intention to collect attorneys’ fees and expenses of the foreclosure having been given as provided by law and as provided by the terms of the Security Deed; and the remainder, if any, shall be applied as provided by law.

To the best knowledge and belief of the undersigned, Cynthia R. Marshall is in possession of said property. Said property will be sold subject to any prior restrictive covenants, easements, rights-of-way, valid zoning ordinances, matters which would be disclosed by an accurate survey of the property or by an inspection of the property, and any liens or encumbrances superior to the Security Deed first set out above, and subject to all outstanding taxes, assessments, and utility bills which may constitute a lien against said property, whether due and payable or not yet due and payable.

Mountain Valley Community Bank hereby notifies Grantor that Mountain Valley Community Bank remains the holder of the security interest set forth in the Security Deed. Grantor may communicate with Mountain Valley Community Bank by contacting Mr. Don Allison, Mountain Valley Community Bank, 136 North Main Street, Cleveland, Georgia 30528, or by telephone at (706) 348-6822. Mr. Allison has full authority to negotiate, amend, and modify all terms of the Security Deed with Grantor.

MOUNTAIN VALLEY COMMUNITY BANK, as Attorney-in-Fact for CYNTHIA R. MARSHALL

By: Thomas E. Austin, Jr.,

Attorney for Mountain Valley Community Bank

Thomas E. Austin, Jr., LLC

3490 Piedmont Road, N.E.

Suite 1005

Atlanta, Georgia 30305-4809

(404) 814-3755

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from William M. Merritt to Branch Banking and Trust Company, dated February 7, 2008, recorded February 12, 2008, in Deed Book 1082, Page 224, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of SIXTY THOUSAND DOLLARS AND NO CENTS ($60,000.00), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December 2012 by the secured creditor, Branch Banking and Trust Company, as Attorney in Fact for William M. Merritt, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND, LYING AND BEING IN LAND LOT 100 IN THE 1ST DISTRICT, ORIGINALLY OF HABERSHAM, AND NOW OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.13 ACRES, MORE OR LESS, TOGETHER WITH A HOUSE AND ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT 10 OF THE COPPER MILL SUBDIVISION, AS SHOWN ACCORDING TO A PLAT OF SURVEY PREPARED AUGUST 4, 1986, AND REVISED MAY 27, 1988, BY MICHAEL L. SCUPIN, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT BOOK 22, PAGE 1, LUMPKIN COUNTY RECORDS, AND WHICH IS INCORPORATED BY REFERENCE HEREIN. Said property being known as 338 Copper Mill Road, Dahlonega, GA 30533 according to the present numbering system in Lumpkin County. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is William M. Merritt or tenant(s). 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. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Branch Banking and Trust Company, 150 Stratford Road, Suite 201, Winston-Salem, NC 27104 TEL (866) 909-4852. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt from ROBERT A. NIELSEN and CAROL NIELSEN A/K/A CAROL M. NIELSEN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated October 1, 2008, filed for record February 2, 2009, and recorded in Deed Book 1119, Page 451, LUMPKIN County, Georgia Records, as last transferred to BANK OF AMERICA, N.A., SBM TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by assignment recorded in Deed Book 1195, Page 77, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated October 1, 2008 in the original principal sum of ONE HUNDRED THIRTY EIGHT THOUSAND EIGHT HUNDRED EIGHTY TWO AND 0/100 DOLLARS ($138,882.00), with interest from date at the rate stated in said Note 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 LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in December, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debt secured by said Deed to Secure Debt 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.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP holds the duly indorsed Note and is the assignee of the Security Deed to your property. BANK OF AMERICA, N.A. services your loan on behalf of BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, the current beneficial owner of your loan. The servicer of this loan is BANK OF AMERICA, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is BANK OF AMERICA, N.A., 7105 CORPORATE DR, PLANO, TX 75024-4100;. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.

Said property will be sold 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.

Said property will be sold as the property of ROBERT A. NIELSEN and CAROL NIELSEN A/K/A CAROL M. NIELSEN.

BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP

As Attorney-in-Fact for

ROBERT A. NIELSEN

CAROL NIELSEN A/K/A CAROL M. NIELSEN

Phelan Hallinan PLC

303 Perimeter Center North, Suite 800

Atlanta, GA 30346

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 10898

This law firm is acting as a debt collector. Any information obtained will be used for that purpose.

EXHIBIT A

THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 96 AND 113, 11TH DISTRICT OF LUMPKIN COUNTY, GEORGIA, BEING LOT 14 OF SHENANDOAH SUBDIVISION AS SHOWN ON A PLAT OF SURVEY ENTITLED “FINAL PLAT OF SHENANDOAH” DATED JULY 3, 2000, RECORDED AT PLAT CABINET 1, SLIDE 51, PAGES 1-4, LUMPKIN COUNTY RECORDS; SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY. SUBJECT TO PROTECTIVE COVENANTS DATED AUGUST 10, 2000, RECORDED IN DEED BOOK X25, PAGE 220, LUMPKIN COUNTY RECORDS. ALSO CONVEYED HEREWITH IS A 2000 FLEETWOOD CHADWICK 4683, 28X 68 MANUFACTURED HOME, SERIAL NUMBER GAFLY05AB29900-CW11 WHICH IS ATTACHED TO AND MADE A PART OF THE REAL PROPERTY.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

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 Margaret Louise Nosworthy and Joseph Mike Nosworthy to , dated January 26, 2009, recorded in Deed Book 1119, Page 474, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. by assignment recorded in Deed Book 1223, Page 265, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-SIX THOUSAND FOUR HUNDRED EIGHTY-NINE AND 0/100 DOLLARS ($246,489.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, 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. Bank of America, N.A. is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. To the best knowledge and belief of the undersigned, the party in possession of the property is Margaret Louise Nosworthy and Joseph Mike Nosworthy or a tenant or tenants and said property is more commonly known as 72 Bearslide Hollow, Dahlonega, Georgia 30533. 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A.

as Attorney in Fact for

Margaret Louise Nosworthy and Joseph Mike Nosworthy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/dlc1 12/4/12

Our file no. 5420012-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 589, 12th District, 1st Section, Lumpkin County, Georgia, and being fully described by a plat prepared by Frederick F. Kauffman, Georgia registered land surveyor, dated July 31, 1998; and as per said plat, the property contains 1.02 acres, more or less, being more particularly described as Lot 17 of Bearslide Hollow Subdivision. The subject plat being of record in Plat Cabinet One, Slide 20, Page 190A, Lumpkin County records. Said plat is hereby incorporated by reference. This Conveyance is made subject to easements for public roads and utilities now in use. MR/dlc1 12/4/12 Our file no. 5420012 - FT11

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Faron Pirkle and Ashley Tarte to Mortgage Electronic Registration Systems, Inc. as nominee for Alacrity Lending Company, its successors and assigns dated July 25, 2008 in the amount of $124,053.00, and recorded in Deed Book 1103, Page 538; Modification Agreement recorded at Deed Book 1114, Page 480 , Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lots 171, 13th District, 1st Section, Lumpkin County, Georgia, being described as 1.50 acres, more or less, as shown on a plat of survey Faron Pirkle, prepared by J.A. Page, Jr., Georgia Registered Land Surveyor No. 1894, dated April 8, 2008, revised July 3, 2008 to include fence easement and recorded in Plat Cabinet 1, Slide 167, Plat 122-A, Office of the Clerk of Superior Court, Lumpkin County, Georgia, said plat being incorporated herein and to which reference is made for a more complete description thereof. This being a portion of the property conveyed by deed recorded in Deed Book D25, Page 166, Lumpkin County, Georgia Records. Also conveyed herewith is a 2009 Fleetwood manufactured home, Model 4724X being 28X72 and having a Serial Number GAFL875A79838-CI11, which is permanently attached to and made a part of the real property.

which has the property address of 469 Old Kerns Road, Dawsonville, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).

Said property will be sold as the property of Faron Pirkle and Ashley Tarte 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.

GMAC Mortgage, LLC

Attorney in Fact for

Faron Pirkle and Ashley Tarte

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:11-07-2012, 11-14-2012, 11-21-2012, 11-28-2012

File No. 09-15559 /FHA/lseymore

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.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by TERESA G. POWELL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., dated NOVEMBER 16, 2005, and recorded in Deed Book 436, Page 278, Lumpkin County, Georgia records, AS LAST TRANSFERRED TO OCWEN LOAN SERVICING, LLC BY ASSIGNMENT RECORDED IN DEED BOOK 1191, PAGE 363, LUMPKIN COUNTY, GEORGIA RECORDS, conveying the after-described property to secure a Note of even date in the original principal amount of $134,100.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, to wit: December 04, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 419 OF THE 15TH DISTRICT OF LUMPKIN COUNTY, GEORGIA AND BEING 5.714 ACRES, MORE OR LESS AS MORE PARTICULARLY DESCRIBED IN THAT CERTAIN PLAT OF SURVEY PREPARED FOR MILDRED VAUGHTERS, VIRGINIA GILREATH AND MELVIN FORTNER BY LONDON SURVEYING DATED MARCH 15, 2004, THE SAME BEING OF RECORD IN PLAT CABINET ONE, SLIDE 123, PLAT 47, LUMPKIN COUNTY, GEORGIA RECORDS

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorneyís fees (notice of intent to collect attorneyís fees having been given).

Said property is commonly known as 4020 CAVENDER’S CREEK RD., DAHLONEGA, GA 31547, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): TERESA G. POWELL or tenant or tenants.

Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.Pursuant to O.C.G.A. Section 44-14-162.2, 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

Facsimile: 1-407-737-5693

The foregoing notwithstanding, nothing in OC.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being

OCWEN LOAN SERVICING, LLC

as attorney in fact for

TERESA G. POWELL

Richard B. Maner, P.C.

5775 Glenridge Drive

Building D, Suite 100

Atlanta, GA 30328

(404)252-6385

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

AFC12-1187

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in that certain Construction Security Deed from Roque Construction, Inc. to State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation, Receiver for First Security National Bank and recorded in Deed Book 1004, Page 726, Lumpkin County, Georgia Records, as may be modified or amended, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, December 4, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

Please note that State Bank and Trust Company is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that State Bank and Trust Company can be contacted through the following representative:

Martin G. Quirk, Esq.

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

404-252-1425

To the best knowledge and belief of the undersigned, the Party or Parties in possession of the property is Roque Construction, Inc. or a tenant or tenants, and said property is more commonly known as property located in Land Lot 140 of the 11th District, 1st Section of Lumpkin County, being approximately 1.00 acre located on Elliott Lane also known as 358 Elliots Lane, Dahlonega, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. The undersigned reserves the right to sell the property, or any part thereof, together in its entirety or in one or more parcels as determined by the undersigned in its sole discretion.

State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation,

Receiver for First Security National Bank

Attorney in Fact for Roque Construction, Inc.

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 140 OF THE 11TH DISTRICT, 1ST SECTION, ORIGINALLY HALL COUNTY, GEORGIA, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 1.00 ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

TO FIND THE POINT OF BEGINNING, COMMENCE AT AN IRON PIN FOUND ON THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE (A 60 FOOT RIGHT-OF-WAY) LOCATED 1245.70 WESTERLY ALONG SAID RIGHT-OF-WAY LINE FROM ITS INTERSECTION WITH THE WESTERLY RIGHT-OF-WAY LINE OF BOWERS ROAD; THENCE CONTINUING ALONG THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 73 DEGREES 01 MINUTES 41 SECONDS WEST A DISTANCE OF 79.08 FEET TO A POINT; NORTH 83 DEGREES 58 MINUTES 22 SECONDS WEST A DISTANCE OF 61.36 FEET TO A POINT; NORTH 89 DEGREES 15 MINUTES 33 SECONDS WEST A DISTANCE OF 45.91 FEET TO A POINT; SOUTH 87 DEGREES 44 MINUTES 03 SECONDS WEST A DISTANCE OF 34.64 FEET TO AN IRON PIN FOUND; SOUTH 84 DEGREES 52 MINUTES 36 SECONDS WEST A DISTANCE OF 38.45 FEET TO A POINT; SOUTH 82 DEGREES 13 MINUTES 56 SECONDS A DISTANCE OF 39.34 FEET TO A POINT; SOUTH 87 DEGREES 52 MINUTES 46 SECONDS WEST A DISTANCE OF 41.00 FEET TO A POINT; NORTH 84 DEGREES 17 MINUTES 13 SECONDS WEST A DISTANCE OF 30.34 FEET TO AN IRON PIN SET; NORTH 81 DEGREES 45 MINUTES 36 SECONDS WEST A DISTANCE OF 18.46 FEET TO A POINT; NORTH 85 DEGREES 39 MINUTES 50 SECONDS WEST A DISTANCE OF 37.70 FEET TO A POINT; SOUTH 88 DEGREES 01 MINUTES 52 SECONDS WEST A DISTANCE OF 52.05 FEET TO A POINT; NORTH 89 DEGREES 05 MINUTES 07 SECONDS WEST A DISTANCE OF 53.86 FEET TO AN IRON PIN SET AT THE TRUE POINT OF BEGINNING; THENCE CONTINUING ALONG THE NORTHERLY RIGHT OF WAY OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 85 DEGREES 30 MINUTES 13 SECONDS WEST A DISTANCE OF 26.52 FEET TO A POINT; NORTH 85 DEGREES 41 MINUTES 15 SECONDS WEST A DISTANCE OF 44.02 FEET TO A POINT; NORTH 82 DEGREES 20 MINUTES 05 SECONDS WEST A DISTANCE OF 53.61 FEET TO A POINT; AND NORTH 74 DEGREES 56 MINUTES 05 SECONDS A DISTANCE OF 29.35 FEET TO AN IRON PIN FOUND; THENCE LEAVING SAID RIGHT-OF-WAY LINE AND RUNNING NORTH 19 DEGREES 17 MINUTES 53 SECONDS EAST A DISTANCE OF 362.53 FEET TO AN IRON PIN FOUND; THENCE SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 89.97 FEET TO AN IRON PIN FOUND; THENCE SOUTH 09 DEGREES 15 MINUTES 57 SECONDS WEST A DISTANCE OF 355.45 FEET TO THE POINT OF BEGINNING; BEING SHOWN AS LOT #1 ON“FINAL CLASS I SUBDIVISION PLAT FOR ROQUE CONSTRUCTION,”PREPARED BY DRS & ASSOCIATES, PC, DOUGLAS R. SHERRILL REGISTERED SURVEYOR NO. 2995, DATED MAY 24, 2006.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Notice Of Sale Under Power

By virtue of the power of sale contained in that certain Security Deed from Roque Construction, Inc. to State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation, Receiver for First Security National Bank and recorded in Deed Book 992, Page 174, Lumpkin County, Georgia Records, as may be modified or amended, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, December 4, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

Please note that State Bank and Trust Company is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that State Bank and Trust Company can be contacted through the following representative:

Martin G. Quirk, Esq.

6000 Lake Forrest Drive, Suite 300

404-252-1425

To the best knowledge and belief of the undersigned, the Party or Parties in possession of the property is Roque Construction, Inc. or a tenant or tenants, and said property is more commonly known as property located in Land Lot 140 of the 11th District, 1st Section of Lumpkin County, Georgia being approximately 3.03 acres located on Elliott Lane also known as Elliots Lane, Dahlonega, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. The undersigned reserves the right to sell the property, or any part thereof, together in its entirety or in one or more parcels as determined by the undersigned in its sole discretion.

State Bank and Trust Company, by Assignment from the Federal Deposit Insurance Corporation,

Receiver for First Security National Bank

Attorney in Fact for Roque Construction, Inc.

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

6000 Lake Forrest Drive, Suite 300

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 140 OF THE 11TH DISTRICT, 1ST SECTION, ORIGINALLY HALL COUNTY, GEORGIA, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 4.03 ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT AN IRON PIN FOUND AT A 5/8 INCH REBAR ON THE NORTHERLY

RIGHT-OF-WAY LINE OF ELLIOTT LANE (A 60 FOOT RIGHT-OF-WAY) LOCATED 1245.70 WESTERLY ALONG SAID RIGHT-OF-WAY LINE FROM ITS INTERSECTION WITH THE WESTERLY RIGHT-OF-WAY LINE OF BOWERS ROAD, THENCE CONTINUING ALONG THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 73 DEGREES 01 MINUTES 41 SECONDS WEST A DISTANCE OF 79.08 FEET TO A POINT; NORTH 83 DEGREES 58 MINUTES 22 SECONDS WEST A DISTANCE OF 61.36 FEET TO A POINT; NORTH 89 DEGREES 15 MINUTES 33 SECONDS WEST A DISTANCE OF 45.91 FEET TO A POINT; SOUTH 87 DEGREES 44 MINUTES 03 SECONDS WEST A DISTANCE OF 34.64 FEET TO AN IRON PIN FOUND AT A 5/8 INCH REBAR; SOUTH 84 DEGREES 52 MINUTES 36 SECONDS WEST A DISTANCE OF 38.45 FEET TO A POINT; SOUTH 82 DEGREES 13 MINUTES 56 SECONDS A DISTANCE OF 39.34 FEET TO A POINT; SOUTH 87 DEGREES 52 MINUTES 46 SECONDS WEST A DISTANCE OF 41.00 FEET TO A POINT; NORTH 84 DEGREES 17 MINUTES 13 SECONDS WEST A DISTANCE OF 30.34 FEET TO AN IRON PIN FOUND AT A 5/8 INCH REBAR; NORTH 81 DEGREES 45 MINUTES 36 SECONDS WEST A DISTANCE OF 18.46 FEET TO A POINT; NORTH 85 DEGREES 39 MINUTES 50 SECONDS WEST A DISTANCE OF 37.70 FEET TO A POINT; SOUTH 88 DEGREES 01 MINUTES 52 SECONDS WEST A DISTANCE OF 52.05 FEET TO A POINT; NORTH 89 DEGREES 05 MINUTES 07 SECONDS WEST A DISTANCE OF 45.49 FEET TO A POINT; NORTH 85 DEGREES 30 MINUTES 13 SECONDS WEST A DISTANCE OF 26.52 FEET TO A POINT; NORTH 85 DEGREES 41 MINUTES 15 SECONDS WEST A DISTANCE OF 44.02 FEET TO A POINT; NORTH 82 DEGREES 20 MINUTES 05 SECONDS WEST A DISTANCE OF 53.61 FEET TO A POINT; AND NORTH 74 DEGREES 56 MINUTES 05 SECONDS A DISTANCE OF 29.35 FEET TO A POINT; THENCE LEAVING SAID RIGHT-OF-WAY LINE AND RUNNING NORTH 19 DEGREES 17 MINUTES 53 SECONDS EAST A DISTANCE OF 362.53 FEET TO AN IRON PIN FOUND AT A 1/2 INCH OPEN TOP PIPE;

SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 89.97 FEET TO AN IRON PIN FOUND AT A 1/2 INCH OPEN TOP PIPE; SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 370.49 FEET TO AN IRON PIN FOUND AT A 1/2 INCH OPEN TOP PIPE; RUNNING THENCE SOUTH 29 DEGREES 19 MINUTES 44 SECONDS EAST A DISTANCE OF 84.11 FEET TO AN IRON PIN FOUNDS AT A 1/2 INCH REBAR; SOUTH 29 DEGREES 19 MINUTES 44 SECONDS EAST A DISTANCE OF 391.69 FEET TO AN IRON PIN FOUND AT A 5/8 INCH REBAR AND THE POINT OF BEGINNING. ALL AS SHOWN ON“FINAL CLASS I SUBDIVISION PLAT FOR ROQUE CONSTRUCTION,”PREPARED BY DRS & ASSOCIATES, PC, DOUGLAS R. SHERRILL REGISTERED SURVEYOR NO. 2995, DATED MAY 24, 2006.

LESS AND EXCEPT:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 140 OF THE 11TH DISTRICT, 1ST SECTION, ORIGINALLY HALL COUNTY, GEORGIA, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 1.00 ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

TO FIND THE POINT OF BEGINNING, COMMENCE AT AN IRON PIN FOUND ON THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE (A 60 FOOT RIGHT-OF-WAY) LOCATED 1,245.70 WESTERLY ALONG SAID RIGHT-OF-WAY LINE FROM ITS INTERSECTION WITH THE WESTERLY RIGHT-OF-WAY LINE OF BOWERS ROAD; THENCE CONTINUING ALONG THE NORTHERLY RIGHT-OF-WAY LINE OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 73 DEGREES 01 MINUTES 41 SECONDS WEST A DISTANCE OF 79.08 FEET TO A POINT; NORTH 83 DEGREES 58 MINUTES 22 SECONDS WEST A DISTANCE OF 61.36 FEET TO A POINT; NORTH 89 DEGREES 15 MINUTES 33 SECONDS WEST A DISTANCE OF 45.91 FEET TO A POINT; SOUTH 87 DEGREES 44 MINUTES 03 SECONDS WEST A DISTANCE OF 34.64 FEET TO AN IRON PIN FOUND; SOUTH 84 DEGREES 52 MINUTES 36 SECONDS WEST A DISTANCE OF 38.45 FEET TO A POINT; SOUTH 82 DEGREES 13 MINUTES 56 SECONDS A DISTANCE OF 39.34 FEET TO A POINT; SOUTH 87 DEGREES 52 MINUTES 46 SECONDS WEST A DISTANCE OF 41.00 FEET TO A POINT; NORTH 84 DEGREES 17 MINUTES 13 SECONDS WEST A DISTANCE OF 30.34 FEET TO AN IRON PIN SET; NORTH 81 DEGREES 45 MINUTES 36 SECONDS WEST A DISTANCE OF 18.46 FEET TO A POINT; NORTH 85 DEGREES 39 MINUTES 50 SECONDS WEST A DISTANCE OF 37.70 FEET TO A POINT; SOUTH 88 DEGREES 01 MINUTES 52 SECONDS WEST A DISTANCE OF 52.05 FEET TO A POINT; NORTH 89 DEGREES 05 MINUTES 07 SECONDS WEST A DISTANCE OF 53.86 FEET TO AN IRON PIN SET AT THE TRUE POINT OF BEGINNING; THENCE CONTINUING ALONG THE NORTHERLY RIGHT OF WAY OF ELLIOTT LANE THE FOLLOWING COURSES AND DISTANCES: NORTH 85 DEGREES 30 MINUTES 13 SECONDS WEST A DISTANCE OF 26.52 FEET TO A POINT; NORTH 85 DEGREES 41 MINUTES 15 SECONDS WEST A DISTANCE OF 44.02 FEET TO A POINT; NORTH 82 DEGREES 20 MINUTES 05 SECONDS WEST A DISTANCE OF 53.61 FEET TO A POINT; AND NORTH 74 DEGREES 56 MINUTES 05 SECONDS A DISTANCE OF 29.35 FEET TO AN IRON PIN FOUND; THENCE LEAVING SAID RIGHT-OF-WAY LINE AND RUNNING NORTH 19 DEGREES 17 MINUTES 53 SECONDS EAST A DISTANCE OF 362.53 FEET TO AN IRON PIN FOUND; THENCE SOUTH 82 DEGREES 38 MINUTES 38 SECONDS EAST A DISTANCE OF 89.97 FEET TO AN IRON PIN FOUND; THENCE SOUTH 09 DEGREES 15 MINUTES 57 SECONDS WEST A DISTANCE OF 355.45 FEET TO THE POINT OF BEGINNING; BEING SHOWN AS Lot #1 ON“FINAL CLASS I SUBDIVISION PLAT FOR ROQUE CONSTRUCTION,”PREPARED BY DRS & ASSOCIATES, PC, DOUGLAS R. SHERRILL REGISTERED SURVEYOR NO. 2995, DATED MAY 24, 2006.

Fallon E. Goodman, Paralegal

Quirk & Quirk, LLC

300 Century Springs West

6000 Lake Forrest Drive, N.W.

Atlanta, Georgia 30328

Phone: 404.252.1425 ext. 48

Fax: 404.671.9135

Confidentiality Notice:

The information contained in this message is intended only for the personal and confidential use of the designated recipients named above. This message may be an Attorney-Client communication, and as such is privileged and confidential. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, you are hereby notified that you have received this document in error, and any review, dissemination, distribution, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by phone and return the original message to us by mail.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of the power of sale contained in a Deed to Secure Debt by EUGENIA DE LA CRUZ SHEPHAR to Bank of America, N.A., dated November 9, 2007 and filed for record November 15, 2007 in Deed Book 1072, Page 1, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $130,800.00; there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Lumpkin County, Georgia, between the legal hours of sale on the first Tuesday in December, 2012, by Bank of America, N.A. as Attorney-in-Fact for EUGENIA DE LA CRUZ SHEPHAR the following property to-wit:

ALL THAT TRACT or parcel of land lying and being in Land Lot 428 and 1171 of the 15th and 12 District, 1st Section, Lumpkin County, Georgia, being Lot 5, Cavender Creek Meadow being 1.00 acre subdivision, as per plat recorded in Plat Book 1, Page 165, Lumpkin County, Georgia Records, which recorded plat is incorporated herein by this reference and made a part of this description. Said property being known as 458 Fortner Drive according to the present system of numbering property in Lumpkin County, Georgia. Parcel ID Number: 093 117. Subject to any easements or restrictions of record.

The above described property is also known as 458 FORTNER DRIVE, DAHLONEGA, GA 30533.

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney’s fees, if applicable.

The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable.

Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows:

Bank of America, N.A.

Home Loan Assistance Dept

7105 Corporate Drive

Plano, TX 75024

1-800-669-6650

The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require Bank of America, N.A. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

Bank of America, N.A.

as Attorney-in-Fact for

EUGENIA DE LA CRUZ SHEPHAR

SHUPING, MORSE & ROSS, L.L.P.

By: S. Andrew Shuping, Jr.

6259 Riverdale Road, Suite 100

Riverdale, GA 30274

770-991-0000

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Security Deed given by Dominic A. Smallwood and Dorothy C. Smallwood to FT Mortgage Companies d.b.a. HomeBanc Mortgage Corporation, dated October 15, 1999, recorded on October 26, 1999 in Deed Book Y23, Page 186, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to First Horizon Home Loans, a division of First Tennessee Bank National Association, the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of Seventy-Eight Thousand Nine Hundred and 00/100 DOLLARS ($78,900.00), with interest thereon as set forth therein, 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 December 4, 2012 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 and or parcel of land lying and being in Land Lots 108 and 109 of the 12th District and 1st Section of Lumpkin County, Georgia, being more fully described by a plat prepared by Albert N. Wynn, Jr., GA. RLS, dated April 7, 1987 and being recorded in Plat Book 17, Page 282 of Lumpkin County, Georgia records, which plat is hereby incorporated herein by reference.

Said property is known as 7952 Dawsonville Highway, Dawsonville, GA 30506, together with all fixtures and personal property attached to and constituting a party of said property, if any.

Said property will be sold as the property of Dominic A. Smallwood and Dorothy C. Smallwood, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Dominic A. Smallwood and Dorothy C. Smallwood or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the 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.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation of the audit of the status of the loan as provided immediately above.

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, without limitation, attorneys’ fees. Notice has been given of intention to collect attorneys’ fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, First Horizon Home Loans, a division of First Tennessee Bank National Association, is as follows: Nationstar Mortgage, LLC, 350 Highland Drive, Lewisville, TX 75067, 972-956-6203. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

First Horizon Home Loans, a division of First Tennessee Bank National Association

as Attorney in Fact for

Dominic A. Smallwood and Dorothy C. Smallwood

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

This is an attempt to collect a debt and any information obtained may be used for that purpose.

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

By virtue of a Power of Sale contained in that certain Security Deed from AMY M SMITH, STONEY M SMITH to Mortgage Electronic Registration Systems, Inc. acting solely as a nominee for First Commonwealth Mortgage, dated September 30, 2005, recorded October 28, 2005, in Deed Book T36, Page 301-314, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Two Thousand Three Hundred Ten and 00/100 dollars ($122,310.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2005-13 , secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, all property described in said Security Deed including but not limited to the following described property:

STREET ADDRESS: 82 BLUE BIRD TRAIL DAHLONEGA, GEORGIA 30533

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 434 OF THE 12TH DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, AND BEING ALL OF LOT 10 OF SHADOW WOOD SUBDIVISION AS SHOWN ON THE SUBDIVISION PLAT OF SHADOW WOOD DATED SEPTEMBER 11, 1992, AND REVISED APRIL 21, 1995, AND REVISED OCTOBER 11, 1995, AND RECORDED IN PLAT BOOK 28, PAGE 183, LUMPKIN COUNTY, GEORGIA, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A COMPLETE DESCRIPTION OF SAID PROPERTY.

BEING THE SAME PROPERTY ACQUIRED BY THE ABOVE-REFERENCED MORTGAGOR BY DEED DATED 30TH DAY OF SEPTEMBER, 2005, FILED OF RECORD IN DEED BOOK T36, PAGE 299-300, OR INSTRUMENT NUMBER N/A IN THE OFFICE OF THE CLERK OF LUMPKIN COUNTY, GEORGIA

PARCEL ID: 031 180

Said legal description being controlling, however the property is more commonly known as 82 BLUEBIRD TRAIL, DAHLONEGA, GA 30533-0000.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is AMY M SMITH, STONEY M SMITH, AMY M SMITH, STONEY M SMITH, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2005-13

as Attorney in Fact for

AMY M SMITH, STONEY M SMITH

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Attorney Contact: Rubin Lublin, LLC, 3740 Davinci Court, Suite 150, Peachtree Corners, GA 30092

Telephone Number: (877) 813-0992 Case No. BAC-11-08272-0002

www.rubinlublin.com/property-listings.php

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Because of the default in the payment of a note executed by M & M VENDING, INC., to NEW HORIZONS BANK in the original principal amount of $261,890.80, dated December 14, 2010, secured by a Deed to Secure Debt from ELIZABETH W. TUCKER to NEW HORIZONS BANK dated November 30, 2007, recorded in Deed Book 1075, pages 746-751, Lumpkin County Georgia Deed Records, the Deed to Secure Debt subsequently assigned to Citizens South Bank as recorded in Deed Book 1186, page 265 Lumpkin County Deed Records, which has merged with Park Sterling Bank, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in December, 2012, during the legal hours of sale at the courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the following described property:

All that tract or parcel of land lying and being in Land Lots 686, 714, and 715 of the 12th District and 2nd Section of Lumpkin County, Georgia, consisting of 24.657 acres, more or less, as shown on a plat of survey for Leslie M. Jones and Elizabeth W. Tucker by Richard Webb & Associates Surveyors. Said Plat is recorded in Plat Cabinet 1, Slide 159, Plat 180, Lumpkin County Georgia Records, to which reference is made for a more complete and accurate legal description.

This sale will be held 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 indebtedness remaining in default, the sale will be made for the purpose of applying proceeds thereof to the payment of the indebtedness secured by the deed to secure debt, accrued interest and expenses of the sale and other sums secured by the deed to secure debt, and the remainder if any shall be applied as permitted by law.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is PARK STERLING BANK, 458 Highway 515 East, Blairsville, GA 30512. 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 of the undersigned’s knowledge and belief the property is in the possession of ELIZABETH W. TUCKER, and said property will be sold as the property of ELIZABETH W. TUCKER. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed.

The undersigned will execute a deed to the purchaser as authorized in the aforementioned deeds to secure debt.

This law firm is acting as a debt collector attempting to collect a debt and all information obtained shall be used for that purpose.

PARK STERLING BANK, successor by merger with

CITIZENS SOUTH BANK, as successor in interest to, and assignee of The Federal Deposit Insurance Corporation as

Receiver for New Horizon Bank

as attorney in fact for

ELIZABETH W. TUCKER

Randall Frost

Stewart, Melvin & Frost, LLP

P. O. Box 3280

Gainesville, GA 30503

(11/7, 11/14, 11/21, 11/28)

gpn11

Notice of Sale under Power

County of Lumpkin, State of Georgia

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by LANCE MATTHEW WAYNE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., dated AUGUST 29, 2007, and recorded in Deed Book 1062, Page 9, Lumpkin County, Georgia records, AS LAST TRANSFERRED TO OCWEN LOAN SERVICING, LLC, BY ASSIGNMENT RECORDED IN LUMPKIN COUNTY, GEORGIA RECORDS, conveying the after-described property to secure a Note of even date in the original principal amount of $156,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, to wit: December 04, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 612 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.084 ACRES, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE PARTICULARLY SET OUT AS TRACT 2 ON A PLAT OF SURVEY DATED SEPTEMBER 2, 2005, REVISED MAY 2, 2007, PREPARED FOR MARK FISCHER BY MICHAEL STEWART KELLEY, GEORGIA REGISTERED LAND SURVEYOR. THIS PLAT IS RECORDED IN PLAT CABINET 1, SLIDE 154, PLAT 62A, LUMPKIN COUNTY RECORD, AND IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION.

ALSO CONVEYED HEREWITH IS AN EASEMENT FOR WATER SERVICE FROM THE WELL LOCATED ON THE PROPERTY SET OUT AS TRACT 3 ON THE ABOVE REFERENCED PLAT OF SURVEY. THIS EASEMENT SHALL RUN ALONG AND WITH THE EXISTING WATERLINES RUNNING FROM TRACT 2, ACROSS TRACT 1, AND TO THE WELL ON TRACT 3.

THIS PROPERTY IS CONVEYED SUBJECT TO ALL EASEMENTS FOR ROADS AND UTILITIES IN USE OR OF RECORD.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorneyís fees (notice of intent to collect attorneyís fees having been given).

Said property is commonly known as 256 BUCKHORN TAVERN ROAD, DAHLONEGA, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): LANCE MATTHEW WAYNE or tenant or tenants.

Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.

Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

Pursuant to O.C.G.A. Section 44-14-162.2, 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

Facsimile: 1-407-737-5693

The foregoing notwithstanding, nothing in OC.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being

OCWEN LOAN SERVICING, LLC

as attorney in fact for

LANCE MATTHEW WAYNE

Richard B. Maner, P.C.

5775 Glenridge Drive

Building D, Suite 100

Atlanta, GA 30328

(404)252-6385

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(11/7, 11/14, 11/21, 11/28)

Comments
(0)
Comments-icon Post a Comment
No Comments Yet