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November 23, 2014
Legals (6-12-13)
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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

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

This 14th day of May, 2013.

Janice T. Carpenter, Administrator

660 Shenandoah Drive

Dahlonega, GA 30533

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IN THE SUPERIOR COURT

OF LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: PETITION OR NAME CHANGE

CALEB STEVEN EVANS

CASE NO. 13-CV-233-RG

NOTICE

Public notice is hereby given, pursuant to the Official Code of Georgia Section 19-2-1, that Cindy Lynn Pfrogner on behalf of Caleb Steven Evans is changing his name to Caleb Steve Pfrogner by Petition filed in the Superior Court of Lumpkin County, State of Georgia, on May 20, 2013. Any interested or affected party has the right to appear and file objections.

This 20th day of May, 2013.

Alfred Chang

Attorney for Petitioner

Georgia Bar No. 120689

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Hannah Thompson Culbreth, Deceased

Estate No. 2013-LA-57

Casey T. Culbreth has petitioned to be appointed Administrator of the estate of Hannah Thompson Culbreth, 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 June 17, 2013. 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

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Robert Gwen Moseley, Deceased

Estate No. 2013-LA-56

Julia M. Garner has petitioned to be appointed Administrator of the estate of Robert Gwen Moseley, 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 June 17, 2013. 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

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Patrick Donald Parks, Deceased

Estate No. 2013-LA-55

Edna Luna Parks has petitioned to be appointed Administrator of the estate of Patrick Donald Parks, 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 June 17, 2013. 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

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NOTICE TO DEBTORS AND CREDITORS

All creditors to the estate of Hoyt Clinton Bagley, late of Lumpkin County, Georgia, deceased, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to the said estate are required to make immediate payment.

This 21st day of May, 2013.

Sylvia Annette Bagley

Executrix of the estate of

Hoyt Clinton Bagley

PMB341, 420 WalMart Way

Dahlonega, GA 30533

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Alma Ruth Skates, Deceased

Estate No. 2013-LA-59

Lee Anne Skates Johnson has petitioned to be appointed Administrator of the estate of Alma Ruth Skates, 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 June 24, 2013. 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

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NOTICE OF PUBLIC SALE

In accordance with the “Georgia Self-Service Storage Facility Act,” Oak Grove Stor-All, LLC, will sell to the highest bidder the following units on June 15, 2013, at 935 Oak Grove Road, Dahlonega, GA 30533 at 10 a.m. Oak Grove Stor-All, LLC. Our phone number is 706-864-2351. We reserve the right to bid, refuse any bid and withdraw any unit. Terms are Cash only and items must be removed from the facility within 48 hours. All items are sold as is. Sale is subject to cancellation in the event of a settlement between the owner and the obligated party. Any vehicle/RV/boat or any titled type of property is for parts only; no title is given or implied.

A general identity of the occupant renting the unit is as follows:

B3 J. Goodman

D1 C. Haynes

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Salvador Olivares, 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 29th day of May, 2013.

Claudia Medina, Executor/Administrator

139 Waterloo Drive

Dahlonega, GA 30533

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Norman Joseph Bragg, Sr., 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 30th day of May, 2013.

Joyce Ann Cain-Bragg, Executor

433 Amanda Drive

Murrayville, GA 30564

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DEBTOR-CREDITOR NOTICE

STATE OF GEORGIA

COUNTY OF LUMPKIN

This is notice to all persons owing Louise Ash Riddle, deceased, late of Lumpkin County, Georgia, to render payment to the undersigned immediately; and this is further notice to all persons owed by Louise Ash Riddle, deceased, to render a statement of their claims to the undersigned immediately.

This 30th day of May, 2013.

Tommi Ash Ward

Executrix of the Estate of

Louise Ash Riddle, Deceased

address: P.O. Box 431, Greensboro, GA 30642

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of William Edward Hanson, Deceased

Estate No. 2013-LA-61

Brenda Anne Whlechel Hanson has petitioned to be appointed Administrator of the estate of William Edward Hanson, 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 July 1, 2013. 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

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APPLICATION FOR BEER/WINE LICENSE

Melissa Marie Frady has applied with the Dahlonega City Council for a Beer/Wine License for Dahlonega Discount Food Mart, LLC, located at 550 S. Chestatee Street, Dahlonega, Georgia, 30533.

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TRADE NAME REGISTRATION

Georgia, Lumpkin County

Notice is hereby given that a trade name registraton statement has been filed in this office, verified by affidavit of HENRY H. NORRIS, III, President of Service Master of Athens-CWI Environmental, LLC which affidavit states that he, Henry H. Norris, III, Gordon B. Brown, 63 Boyd Road, Dahlonega, GA 30533 AND Luke R. Smith, 63 Boyd Road, Dahlonega, GA 30533 are owners and conducting a business of Enviromental Remediation Service, operating under the trade name of Service Master of Athens-CWI Environmental, LLC

Witness my official signature and seal of the Superior Court this 3rd day of June, 2013.

Rita Harkins

Clerk of Superior Court

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LEGAL NOTICE

The Georgia Public Service Commission has directed the Atlanta Gas Light Company to file its 2013-2016 Capacity Supply Plan with the Georgia Public Service Commission no later than July 1, 2013. Copies of the 2013-2016 Capacity Supply Plan shall be on file with the Georgia Public Service Commission. This matter has been assigned Docket No. 36792 and has been scheduled for public hearing before the Georgia Public Service Commission on Wednesday, September 18, 2013 at 1:00 p.m. in Room 110 of the Georgia Public Service Commission offices located at 244 Washington Street, SW, Atlanta, Georgia 30334. Anyone interested in this matter will be given the opportunity to express his or her view pursuant to O.C.G.A. Section 46-2-59.

In accordance with O.C.G.A. Section 46-2-59(c) and the Procedural and Scheduling Order issued in this docket, persons wishing to intervene must file a Petition to Intervene with the Georgia Public Service Commission within thirty (30) days of the first publication of this notice.

An original and fifteen (15) copies of any pre-filed testimony of statements by interveners along with a 3 1/2 inch diskette or CD ROM containing an electronic version of this filing in Microsoft Word for text documents or Excel for spread sheets must be filed with the Georgia Public Service CommissionÕs Executive Secretary by 4:00 p.m. on August 26, 2013 in accordance with the Procedural and Scheduling Order issued in this docket. Any expert testimony or testimony of a technical nature must by pre-filed. Parties of record must also file with one another copies of any pre-filed testimony. Intervenor testimony will be heard at the hearing scheduled for September 18, 2013.

If you have a disability and will need assistance or accommodations to participate, or need further information, please contact the Executive SecretaryÕs Office, Georgia Public Service Commission at (404) 656-4501 or 1-800-282-5813 (inside Georgia only) at least one day prior to the hearing in this matter.

This notice is published at the direction of the Georgia Public Service Commission.

David C. Weaver

Vice President

Regulatory and Governmental Affairs

Atlanta Gas Light Company

ATLANTA 5483080.1

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NOTICE OF SALE

Byrd’s Mini Storage #3

6326 Hwy. 52E

Murrayville, GA 30564

706-864-8672

Sale date: Friday, June 28, 2013 at 1 p.m.

Unit # Name

C10 B. Vandiver

C30 B. Lofton

D19 R. Ellin

B28 K. Shipp

(6/12, 6/19)

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NOTICE

In the Superior Court of Lumpkin County, State of Georgia

EGD Properties, L.P. and Jonathan M. Seidel as Executor of the Last Will and Testament of Nancy Forsyth Noblin, Plaintiffs,

vs.

All the world, K.K. Turner, Hugh Capidz, and the executors, heirs and assigns of Hugh Capidz, the heirs, executors, and assigns of John Whelchel, the heirs, executors and assigns of William Varnum, the heirs, executors, and assigns of R.C.Thompson, and all persons claiming an interest in Land Lot 64 of the 12th Land District, First Section, Lumpkin County, Georgia, Defendants.

Civil Action File no. 13-CV-124-SG

to: All persons known and unknown with claims against the subject property including but not limited to: all heirs, executors and assigns of Hugh Capidz, all heirs, executors, and assigns of John Whelchel, all heirs, executors and assigns of William Varnum, all heirs, executors and assigns of R.C.Thompson, and all persons claiming an interest in Land Lot 64 of the 12th Land District, First Section, Lumpkin County, Georgia.

You are hereby notified that the above-styled action seeking to establish title to the below described property against all the world was filed on the 19th day of March, 2013, in the Superior Court of Lumpkin County, Georgia, Enotah Judicial Circuit, and that by reason of Order for Service by Publication entered by said Court on the 5th day of June, 2013, you are hereby commanded to be and appear at said Court within thirty days of the date of the order for service by publication to answer said petition and file pleadings before the Court.

The subject property is described as all of Land Lot 64 of the 12th Land District, First Section, Lumpkin County, Georgia.

Witness the Honorable N. Stanley Gunter, Judge of said Court.

This 5th day of June, 2013.

Rita Harkins, Clerk

Superior Court,

Lumpkin County, Georgia

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NOTICE OF PUBLIC HEARING FOR CERTIFICATE OF APPROPRIATENESS

Please take notice that the City of Dahlonega Historic Preservation Commission has received the following applications which will be heard on Wednesday June 19, 2013, at 6:00 p.m. This meeting 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 Jerry Butler/Peggy Ferguson for Certificate of Appropriateness to install arbor, rock retaining wall and fence. Property address 51 North Grove Street. Property is zoned CBD Central Business Historic District. Property ID. Tax Map D11-38 & 43.

Application submitted by Wanda Marlowe/Lynn Aldred for Certificate of Appropriateness to install a handrail and exterior light. Property address: 85 East Main Street. Property is zoned CBD Central business Historic District. Property ID. Tax Map D11-42.

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Deborah E Beheler to Mortgage Electronic Registration Systems, Inc., as nominee for Birmingham Bancorp Mortgage Corporation, its successors and assigns dated September 22, 2008 in the amount of $162,174.00, and recorded in Deed Book 1110, Page 425, sent unto a Non-HAMP Loan Modification Agreement filed on 08/21/12 at Book 1222, page 138-142, Lumpkin County, Georgia Records; as last transferred to Ocwen Loan Servicing, LLC by assignment; the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in August, 2013, 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:

Tax ID Number(s): 022-207

Land situated in the County of Lumpkin in the State of GA

All that tract or parcel of land lying and being in Land Lots 919, 986 and 987 of the 5th District, 1st Section, Lumpkin County, Georgia, being Lot 55 CRAWFORD FALLS SUBDIVISION, as per plat thereof recorded in Plat Cabinet 1, Slide 133, page 59 and 60, Lumpkin County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.

Commonly known as: 198 Miller Dr, Dawsonville, GA 30534

which has the property address of 198 Miller Dr, 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 Deborah E Beheler and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

Ocwen Loan Servicing, LLC

Attorney in Fact for

Deborah E Beheler

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates: 05-15-2013, 05-22-2013, 05-29-2013, 06-05-2013, 06-12-2013, 06-19-2013, 06-26-2013, 07-03-2013, 07-10-2013, 07-17-2013, 07-24-2013, 07-31-2013

File No. 11-18681 /FHA/awilby

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.

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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 PATRICIA LYNNE ALLRED to Home 123 Corporation, dated May 16, 2005, recorded June 10, 2005, in Deed Book X35, Page 165, 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 Fifty-Two Thousand One Hundred and 00/100 dollars ($152,100.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Deutsche Bank National Trust Company As Trustee For The Holders Of New Century Home Equity Loan Trust, Series 2005-A, Asset Backed Pass-Through Certificates, 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 July, 2013, all property described in said Security Deed including but not limited to the following described property:

ALL THAT FOLLOWING DESCRIBED PROPERTY: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 162, 11TH DISTRICT, LUMPKIN COUNTY, GEORGIA, AS SHOWN ON A CERTAIN PLAT OF SURVEY PREPARED FOR STUART CUNNINGHAM AND LUANNE CUNNINGHAM BY MICHAEL STEWART KELLEY, REGISTERED SURVEYOR, UNDER DATE OF AUGUST 9 1993, A COPY OF SAID PLAT BEING OF RECORD IN THE OFFICE OF THE CLERK OF SUPERIOR COURT, LUMPKIN COUNTY, GEORGIA IN PLAT BOOK 25, PAGE 192, WHICH PLAT AND LEGAL DESCRIPTION THEREOF ARE INCORPORATED HEREIN BY REFERENCE THERETO.

Said legal description being controlling, however the property is more commonly known as 95 CHESTATEE SPRINGS RIDGE, DAHLONEGA, GA 30533.

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 PATRICIA LYNNE ALLRED, PATRICIA LYNNE ALLRED aka PATRICIA LYNN ALLRED, 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.

DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR THE HOLDERS OF NEW CENTURY HOME EQUITY LOAN TRUST, SERIES 2005-A, ASSET BACKED PASS-THROUGH CERTIFICATES

as Attorney in Fact for

PATRICIA LYNNE ALLRED

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-11-05724-0004

Ad Run Dates 06/05/2013, 06/12/2013, 06/19/2013, 06/26/2013

www.rubinlublin.com/property-listings.php

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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 Karen Black to Mortgage Electronic Registration Systems, Inc., dated March 2, 2005, recorded in Deed Book I35, Page 506, Lumpkin County, Georgia Records, as last transferred to Flagstar Bank, FSB by assignment recorded in Deed Book 1232, Page 178, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-TWO THOUSAND THREE HUNDRED AND 0/100 DOLLARS ($122,300.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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 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 Karen Black or a tenant or tenants and said property is more commonly known as 140 Friar Tuck Trail North, Murrayville, Georgia 30564. 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. Flagstar Bank, FSB

as Attorney in Fact for Karen Black McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/meb1 7/2/13

Our file no. 5179013-FT8

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 46 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.554 acres, more or less, being more fully described and delineated as Lot #18 on a plat of survey of the Sherwood Forest Subdivision, Phase One, recorded in Cabinet #1, Slide #50, Plat #188, Lumpkin County, Georgia records, to which plat reference is made for a more detailed description. MR/meb1 7/2/13 Our file no. 5179013 - FT8

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

State Of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt, Assignment of Rents and Security Agreement from Boyd Stanley Cochran and Marian Kay Cochran to Branch Banking and Trust Company dated November 20, 2009, recorded in Deed Book 1147, Page 45, Lumpkin County, Georgia Records, and in that certain Deed to Secure Debt, Assignment of Rents and Security Agreement from Boyd Stanley Cochran and Marian Kay Cochran to Branch Banking and Trust Company dated November 20, 2009, recorded in Deed Book 1147, Page 71, Lumpkin County, Georgia Records (hereinafter jointly 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, July 2, 2013, 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 Branch Banking and Trust Company is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that Branch Banking 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 in possession of the property is Boyd Stanley Cochran and Marian Kay Cochran or a tenant or tenants, and said property is more commonly known as 909 Claude Parks Road, 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.

Branch Banking and Trust Company, as successor to Century South Bank of Dahlonega

Attorney in Fact for Boyd Stanley Cochran and Marian Kay Cochran

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 Lots 46 and 47 of the 11th Land District,

Lumpkin County (originally Hall County), Georgia and comprised of two tracts, Tract 1 containing 27,206 square feet, and Tract 2 containing 91.70 acres, according to a survey for the Estate of Ruth Barnes, by Farley-Collins Associates, dated 11-11-94, which survey is recorded in Plat Book 28, Page 143 of the Lumpkin County Plat Records. Reference to said survey is hereby made for a more full and complete description of said property.

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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 Vicki J Copeland to Mortgage Electronic Registration Systems, Inc., dated July 15, 2010, recorded in Deed Book 1165, Page 157, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. by assignment recorded in Deed Book 1232, Page 124, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-EIGHT THOUSAND TWO HUNDRED SEVENTY-TWO AND 0/100 DOLLARS ($158,272.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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 Vicki J Copeland or a tenant or tenants and said property is more commonly known as 29 Miller Dr, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Bank of America, N.A.

as Attorney in Fact for

Vicki J Copeland

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/dt3 7/2/13

Our file no. 5282513-FT11

EXHIBIT “A”

All that tract or parcel of land situate, lying and being in Land Lots 919, 986 & 987 of the 5th Land District and 1st Section of Lumpkin County, Georgia, being Lot 2 of Crawford Falls Subdivision, as shown on plat of survey entitled “Final Subdivision, as shown on plat of survey entitled “Final Plat for Crawford Falls” prepared by David L. Ringo, GRLS NO. 2250, dated March 3, 2005, which is recorded in Plat Cabinet 1, Slide 133, pages 59-60 in the Office of the Clerk of Superior Court of Lumpkin County, Georgia, which plat and the record thereof, is by this reference incorporated herein and made a part hereof. MR/dt3 7/2/13 Our file no. 5282513 - FT11

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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 ROBBY LYNN COWART to CITIFINANCIAL SERVICES, INC., dated November 24, 2004 and filed for record December 3, 2004 in Deed Book U34, Page 741, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $129,820.88; 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 July, 2013, by CitiFinancial Services, Inc. as Attorney-in-Fact for ROBBY LYNN COWART the following property to-wit:

ALL THAT LOT, TRACT OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON, LYING AND BEING IN LAND LOT 99 IN THE FIRST DISTRICT AND FIRST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.01 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT NUMBER 17, COPPER PINES SUBDIVISION ON A PLAT OF SURVEY PREPARED FOR CINDY A. STURM BY JICK A. PAGE, JR., GEORGIA REGISTERED SURVEYOR, DATED JULY 30, 1993, AND FURTHER SHOWN ON PLAT OF SURVEY OF THE COPPER PINES SUBDIVISION BY MICHAEL L. SCUPIN & ASSOCIATES, GEORGIA REGISTERED SURVEYOR NO. 1964, DATED JANUARY 10, 1985, WHICH SUBDIVISION PLAT IS RECORDED IN PLAT BOOK 13, PAGE 91 OF THE LUMPKIN COUNTY, GEORGIA PLAT RECORDS, WHICH PLATS AND THE RECORD THEREOF ARE INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION AND ALL OTHER LEGAL PURPOSES. ACCORDING TO SAID PLAT PREPARED BY JICK A. PAGE, JR., THE PROPERTY IS MORE FULLY DESCRIBED AS FOLLOWS: BEGINNING AT AN IRON PIN FOUND LOCATED ON THE NORTHERLY RIGHT-OF-WAY OF PARISH ROAD, WHICH IRON PIN IS LOCATED 132.38 FEET IN A WESTERLY DIRECTION FROM THE RIGHT-OF-WAY LINE OF COPPER MINE ROAD (BEING A 100 FOOT RIGHT-OF-WAY); THENCE FROM SAID POINT OF BEGINNING ALONG PARISH ROAD SOUTH 77 DEGREES 14 MINUTES 47 SECONDS WEST A CHORD DISTANCE OF 196.75 FEET (ARC DISTANCE OF 197.13 FEET) TO A POINT, THENCE CONTINUING ALONG SAID PARISH ROAD SOUTH 71 DEGREES 05 MINUTES 16 SECONDS WEST 59.45 FEET TO AN IRON PIN FOUND AT THE CORNER; THENCE NORTH 18 DEGREES 05 MINUTES 49 SECONDS WEST 195.40 FEET TO AN IRON PIN FOUND AT THE CORNER LOCATED ON THE SOUTHERLY RIGHT-OF-WAY LINE OF KIT COURT; THENCE ALONG SAID KIT COURT AS FOLLOWS: NORTH 73 DEGREES 10 MINUTES 02 SECONDS EAST 43.46 FEET TO A POINT; THENCE CONTINUING ALONG SAID KIT COURT NORTH 69 DEGREES 24 MINUTES 08 SECONDS EAST 143.63 FEET TO A POINT; THENCE LEAVING SAID KIT COURT AND RUNNING SOUTH 35 DEGREES 30 MINUTES 03 SECONDS EAST 228.55 FEET TO THE POINT OF BEGINNING. SAID PROPERTY IS SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE AND RESTRICTIVE COVENANTS FOR THE COPPER PINES SUBDIVISION, DATED JULY 19, 1985, AND RECORDED IN DEED BOOK B-5, PAGES 732-736 OF THE LUMPKIN COUNTY, GEORGIA DEED RECORDS. GRANTEE HEREBY RECOGNIZES THAT ANY AND ALL MEANS OF INGRESS AND EGRESS TO THE PROPERTY CONVEYED HEREBY WHICH IS PROVIDED BY THE GRANTOR HEREIN OR HIS SUCCESSORS OR ASSIGNS ARE CONSIDERED BY THE PLANNING COMMISSION OF LUMPKIN COUNTY AND THE GOVERNING BODY OF LUMPKIN COUNTY TO BE PRIVATE WAYS NOT MAINTAINABLE BY SAID GOVERNING BODY; THEREFORE, THE GRANTEE HEREIN HEREBY AGREES THAT HE/SHE WILL BE RESPONSIBLE FOR HIS/HER SHARE OF THE UPKEEP AND MAINTENANCE OF SAID PRIVATE WAY, HOLDING COMPLETELY HARMLESS THE GOVERNING BODY OF LUMPKIN COUNTY OF ANY NECESSITY FOR SUCH UPKEEP OR MAINTENANCE. OF THE PRINCIPAL AMOUNT OF THE LOG TERM NOTE EVIDENCED BY DEED TO SECURE DEBT, $101,327.52 PRESENTS ADDITIONAL SUMS ON WHICH INTANGIBLE TAXES ARE, DUE AND PAYABLE, AND $28,493.36 REPRESENTS A REFINANCING OF THE UNPAID PRINCIPAL BALANCE ON PREVIOUS LONG TERM NOTE, EVIDENCED BY THE DEED TO SECURE DEBT FROM GRANTOR TO GRANTEE AS RECORDED IN DEED BOOK C-34, PAGE 388 IN LUMPKIN COUNTY RECORDS IN THE ORIGINAL PRINCIPAL AMOUNT OF $28,579.68 IN WHICH INTANGIBLE TAXES WERE PAID . (SEE GA. CODE ANNOTATED 48-6-65(B)(2). THE NAME OF GRANTEE WAS CHANGED FROM COMMERCIAL CREDIT PLAN, INCORPORATED TO CITIFINANCIAL SERVICES, INC. PURSUANT TO A NAME CHANGE AMENDMENT FILED WITH THE GOERGIA SECRETARY OF STATE, CORPORATIONS DIVISION, ON MAY 19, 1999.

The above described property is also known as 162 KIT COURT, MURRAYVILLE, GA 30564.

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:

CitiMortgage, Inc.

5280 Corporate Drive

Attn: Default Mail Services

Frederick, MD 21703

Phone: HAT Program: 866-272-4749

Fax: 866-989-2089 or 866-989-2088

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

CitiFinancial Services, Inc.

as Attorney-in-Fact for

ROBBY LYNN COWART

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.

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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 GARY C CUTCHALL AND MARY L BREWER to WELLS FARGO HOME MORTGAGE, INC , dated 03/29/2002, and Recorded on 04/29/2002 as Book No. F24 and Page No. 552-562, LUMPKIN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $107,119.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in July, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING LAND LOT 94, 1ST DISTRICT, LUMPKIN COUNTY, GEORGIA, CONTAINING 1.834 ACRES, AS PER PLAT OF SURVEY FOR TODD CANNON DATED FEBRUARY 13, 2002 BY GEOIMAGE, LLC, 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 COMMON CORNER OF LAND LOTS 100, 93, 99 AND 94; THENCE SOUTH 88 DEGREES 26 MINUTES 03 SECONDS EAST A DISTANCE OF 566.56’ TO A 1/2” REBAR SET, WHICH POINT IS THE TRUE POINT OF BEGINNING; FROM THE POINT OF BEGINNING THUS ESTABLISHED, PROCEED SOUTH 88 DEGREES 26 MINUTES 03 SECONDS EAST A DISTANCE OF 338.15’ TO A 1/2” REBAR SET; THENCE SOUTH 18 DEGREES 11 MINUTES 57 SECONDS WEST A DISTANCE OF 322.04’ TO A 1/2” REBAR SET; THENCE SOUTH 18 DEGREES 11 MINUTES 57 SECONDS WEST A DISTANCE OF 322.04’ TO A 1/2” REBAR SET; THENCE SOUTH 8 DEGREES 46 MINUTES 15 SECONDS WEST A DISTANCE OF 50.00’ TO A 1/2” REBAR SET; THENCE NORTH 81 DEGREES 13 MINUTES 45 SECONDS WEST A DISTANCE OF 20.00 TO A 1/2” REBAR SET: THENCE NORTH 36 DEGREES 13 MINUTES 45 SECONDS WEST A DISTANCE OF 50.00’ TO A 1/2” REBAR SET; THENCE NORTH 72 DEGREES 27 MINUTES 56 SECONDS WEST A DISTANCE OF 103.55’ TO A 1/2” REBAR SET; THENCE NORTH 27 DEGREES 10 MINUTES 21 SECONDS WEST A DISTANCE OF 108.75’ TO A CALCULATED POINT; THENCE NORTH 9 DEGREES 25 MINUTES 51 SECONDS WEST A DISTANCE OF 195.91’ TO A 1/2” REBAR SET, AND THE TRUE POINT OF BEGINNING.

ALSO CONVEYED HEREWITH A 30’ EASEMENT FOR INGRESS AND EGRESS FROM GRINDLE ROAD TO SUBJECT PROPERTY OVER AND ACROSS PROPERTY SHOWN AS “ TRACT 2” ON SAID SURVEY, A COPY OF SAID SURVEY BEING ATTACHED HERETO AS EXHIBIT “B” AND INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., ONE HOME CAMPUS, DES MOINES, IA 50328, 803-396-6000. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 700 GRINDLE BROTHERS RD, MURRAYVILLE, GEORGIA 30564 is/are: GARY C CUTCHALL AND MARY L BREWER or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

WELLS FARGO BANK, N.A.

as Attorney in Fact for

GARY C CUTCHALL AND MARY L BREWER.

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

20120058300259

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

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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 Danny Ray Edwards to The Mortgage People Co. dated January 29, 2001 in the amount of $90,000.00, and recorded in Deed Book A27, Page 485, Lumpkin County, Georgia Records; as last transferred to JPMorgan Chase Bank, National Association by assignment; the undersigned, JPMorgan Chase Bank, National Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in July, 2013 , 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 95, 11th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Patton-Patton & Associates, Georgia Registered Land Surveyor, dated September 17, 1987: and as per said plat, being Lot 2. The subject plat being of record in Plat Book 18, Page 71, Lumpkin County Records. Said plat is hereby incorporated by reference.

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

This conveyance is made together with and subject to any easements of record.

Together with that certain housing unit which was formerly personalty but is now permanently annexed and affixed to the above described land as a permanent improvement and which is the subject of Georgia Motor Vehicle Certificates of Title No. 7723550101220122 & 772354010221122 and all rights therunto appertaining.

Housing unit as fixture: acknowledge of intent. Grantor/Borrower and Grantee/Lender hereby acknowledge their intention that the housing unit referred to in the above description of the property is and shall forever remain permanently affixed as part of the real property herein conveyed and securing allsums secured by this deed. In recognition that said housing unit has now and forever ceased to be personal property, Grantor/Borrower hereby waives any and all rights Grantor/Borrower may have in the event Grantor/Borrower breaches any covenant or agreement in this deed to require Grantee/Lender to resort to any remedy other than those set forth above. Grantor/Borrower specifically waives the right to require any type of judicial foreclosure of Grantee/Lender`s security interest in said housing unit under any provision of Georgia law. If Grantor/Borrower commits any breach and Grantee/Lender invokes the power of sale set forth in paragraph 21 above, then Grantor/Borrower hereby appoints Grantee/Lender Grantor/Borrower`s agent and attorney in fact to convey title to said housing unit if and to the extent required under the Georgia Motor Vehicle Certificate of Title Act, or any other applicable law.

which has the property address of 45 Pine Tree Lane, 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 Danny Ray Edwards and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

JPMorgan Chase Bank, National Association

Attorney in Fact for

Danny Ray Edwards

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates: 06-05-2013, 06-12-2013, 06-19-2013, 06-26-2013

File No. 09-17484 /FHLMC/wmorgan

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.

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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 from Cathy Gilstrap to The Mortgage People Co. in the original principal amount of $66,000.00 dated 08/30/2000, and recorded in Deed Book C26, page 192, Lumpkin County records, said Security Deed being last transferred and assigned to Principal Residential Mortgage, Inc. in Deed Book G26, page 61, Lumpkin County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of July, 2013 by CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-Fact for Cathy Gilstrap the following described property:

All that tract or parcel of land lying and being in Land Lot 959, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Michael L. Scupin, Georgia Registered Land Surveyor, dated August 21, 1986; and as per said plat, the property contains 1.04 acres, more or less. The subject plat being of record in Plat Book 17, Page 122, Lumpkin County Records. Said plat is hereby incorporated by reference.

This property is conveyed along with and subject to the easement provision of a Warranty Deed from Jimmie C. Chandler to Cathy C. Gilstrap which is recorded in Deed Book X-5, Pages 192-193, Lumpkin County Records.

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

This conveyance is made together with and subject to any easements of record.

Together with that certain housing unit which was formerly personalty but is now permanent annexed and affixed to the above described land as a permanent improvement and which is the subject of Georgia Motor Vehicle Certificate of Title No. ____________________ and all rights thereunto appertaining.

Property known as: 139 Ed Grizzle Road, 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 purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Cathy Gilstrap subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

Pursuant to O.C.G.A Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Cathy Gilstrap.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-fact for Cathy Gilstrap.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 13-00775-3

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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 Garrett Harris and Vickie Harris to Branch Banking and Trust Company, dated November 7, 2001, recorded in Deed Book I28, Page 299, Lumpkin County, Georgia Records, as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-FOUR THOUSAND AND 0/100 DOLLARS ($84,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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.

Branch Banking and Trust Company 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: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722.

To the best knowledge and belief of the undersigned, the party in possession of the property is Garrett Harris and Vickie L.Harris or a tenant or tenants and said property is more commonly known as 191 Rainmore Dr, 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.

Branch Banking and Trust Company

as Attorney in Fact for

Garrett Harris and Vickie Harris

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mtj 7/2/13

Our file no. 5344213-FT15

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 378 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 2.50 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated April 10, 1994, prepared for Edward Lewis Whitt by Fredrick F. Kauffman, Georgia Registered Land Surveyor. this plat is recorded in Plat Book 26, Page 188, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed here with is a perpetual, non-exclusive easement sixty feet in width running along and with Rainmore Drive leading to Riverflow Road. This property is conveyed subject to the rights of others to use Rainmore Drive.

This property is conveyed subject to the restrictions placed on the property as set out in a Warranty Deed recorded in Deed Book L-13, Pages 229-230, Lumkin County Records.

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

MR/mtj 7/2/13

Our file no. 5344213 - FT15

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Alan C. Hearnshaw to Mortgage Electronic Registration Systems, Inc. as nominee for Wachovia Mortgage Corporation, and its successors and assigns dated January 30, 2006, and recorded in Deed Book G37, Page 36, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $94,500.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN Land Lot 124, 11 th District, Lumpkin County, Georgia, containing 1.72 acres, more or less and being more fully described and delineated as Lot 5 in the second phase of The Summit according to a plat of survey prepared March 13,1996 by Frederick F. Kauffman, G.R.L.S. #1774, as per plat recorded in Plat Book 29, page 111, Lumpkin County, Georgia records, which plat is incorporated herein and made a part of the record hereof by reference.

Also, conveyed to the Grantee, its successors and/or assigns, is a non-exclusive, perpetual easement for ingress, egress, and the installation of all necessary utilities 40 feet in width, or 20 feet from either side of Hampton Heath, as shown on said plat of survey.

This property is hereby conveyed subject to the same restrictive covenants and other provisions which were placed in a warranty deed from Hoyt Robinson to Johnny L. Faulkner and Larry L. Satterfield dated March 16, 1988, which is recorded in Deed Book N¬7, Pages 172-173, Lumpkin County, Georgia records, and which are incorporated by reference herein. Reference is also made to a Declaration of Joint and Reciprocal Easements and Water Service Agreement for Lots 1-6 of The Summit which is recorded in Deed Book 1-14, Pages 17-21, Lumpkin County, Georgia records.

Said property is known as 93 Hampton Heath, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

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 secured creditor.

The property is or may be in the possession of Alan C. Hearnshaw, successor in interest or tenant(s).

Wells Fargo Bank, NA as Attorney-in-Fact for Alan C. Hearnshaw

File no. 12-035679

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/KMM

HYPERLINK “http://www.swertfeger.net” www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[FC-NOS]

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Kathryn May to Mortgage Electronic Registration Systems, Inc. as nominee for Merrill Lynch Credit Corporation, and its successors and assigns dated April 15, 2003, and recorded in Deed Book G-31, Page 734, and Deed Book R-31, Page 696, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York successor in interest to JPMorgan Chase Bank N.A. f/k/a JPMorgan Chase Bank as Trustee for Structured Asset Mortgage Investments Inc., Bear Stearns ARM Trust, Mortgage Pass-Through Certificates Series 2003-5 by Assignment, securing a Note in the original principal amount of $367,100.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 143 AND 146, 11TH DISTRICT, 1st SECTION, LUMPKIN COUNTY, GEORGIA AND BEING LOT 103 OF THE BIRCH RIVER, UNIT I SUBDIVISION, RECORDED IN PLAT SLIDE 1-35, PAGE 93 OF THE LUMPKIN COUNTY, GEORGIA RECORDS. SAID PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY THIS REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO RESTRICTIVE COVENANTS FOR BIRCH RIVER SUBDIVISION.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE.

THIS CONVEYANCE IS MADE SUBJECT TO ANY EASEMENTS OF RECORDS OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED.

Said property is known as 32 Millers Place, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

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 secured creditor.

The property is or may be in the possession of Kathryn May, successor in interest or tenant(s).

The Bank of New York Mellon, fka The Bank of New York successor in interest to JPMorgan Chase Bank N.A. f/k/a JPMorgan Chase Bank as Trustee for Structured Asset Mortgage Investments Inc., Bear Stearns ARM Trust, Mortgage Pass-Through Certificates Series 2003-5 as Attorney-in-Fact for Kathryn May

File no. 13-039272

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/CH

www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Pierce Mobley and Pamela J. Mobley to Union Planters Bank, N.A. dated May 3, 2003, and recorded in Deed Book J-31, Page 154, Lumpkin County Records, securing a Note in the original principal amount of $120,400.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 46 of the 11th District, originally Hall County, now Lumpkin County, Georgia, consisting of 1.526 acres, more or less, being more fully described as Lot 82, per Plat prepared by Donald Rex Jones dated July 22, 2002, recorded in Plat Cabinet 1, Slide 81, Plat 18A and 19, Lumpkin County, Georgia records, which plat is incorporated herein by reference for a more complete metes and bounds description of subject property.

The borrower(s) herein represents, covenants, warrants, and agrees that the mobile home located on the land, a 2003 HORTON (MIII) CMD, SERIAL NUMBER H179726GL&R, is to remain on the land and has been permanently affixed to the land described herein so as to become part of the land, and all associated additions (wells, septic tank, decks, driveway, walkways, patio, carport, garage, etc.) are intended to be permanent improvements to said real estate and are to be governed by all terms and conditions of this security deed.

Said property is known as 59 Maid Marian Circle, Murrayville, GA 30564, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

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 secured creditor.

The property is or may be in the possession of Pamela J. Mobley, successor in interest or tenant(s).

Regions Bank D/B/A Regions Mortgage successor by merger to Union Planters Bank, NA as Attorney-in-Fact for Pierce Mobley and Pamela J. Mobley

File no. 13-038862

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/CH

www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[FC-NOS]

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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 from Kimberly Nicholson to United Community Mortgage Services, Inc. in the original principal amount of $103,075.00 dated 06/30/2004, and recorded in Deed Book Z33, page 356, Lumpkin County records, said Security Deed being last transferred and assigned to Principal Residential Mortgage, Inc. in Deed Book E34, page 510, Lumpkin County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of July, 2013 by CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-Fact for Kimberly Nicholson the following described property:

All that tract or parcel of land lying and being in Land Lots 218 and 219, 13th District, 1st Section, Lumpkin County, Georgia, and being all of Lot 58 of River Trace Subdivision, as more fully described on subdivision plat prepared by Michael L. Scupin, Georgia Registered Land Surveyor, dated June 16, 1993 and, as per said plat, the property contains 1.01 acres, more or less, the subject plat being of record in Plat Book 26, Pages 57-58, Lumpkin County Records. Said plat is incorporated herein by reference.

This conveyance is made subject to that certain Declaration of Protective Covenants for River Trace Subdivision which is recorded in Deed Book K-12, Pages 72-74, and Deed Book V-12, Pages 26-31, Lumpkin County Records.

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.

Property known as: 186 River Trace 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 purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Kimberly Nicholson subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

Pursuant to O.C.G.A Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Kimberly Nicholson.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-fact for Kimberly Nicholson.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 13-01501-1

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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 Wesley Micah Porter to Mortgage Electronic Registration Systems, Inc., dated May 25, 2007, recorded in Deed Book 1044, Page 174, Lumpkin County, Georgia Records, as last transferred to Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1121, Page 321, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FIVE THOUSAND FIVE HUNDRED SIXTY-FIVE AND 0/100 DOLLARS ($155,565.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP 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., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773.

To the best knowledge and belief of the undersigned, the party in possession of the property is Wesley Micah Porter or a tenant or tenants and said property is more commonly known as 468 Gold Ridge Road, 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.

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

Wesley Micah Porter

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/cj 7/2/13

Our file no. 5169409-FT10

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 102 of the 11th District, Lumpkin County, Georgia, Being Lots 10 and 11 of Yellow Creek Estates Subdivision, as per Plat recorded in Plat Book 22, Page 9, and as shown on “Reconfigured” plats of record in Plat Cabinet ONE, Slide 117, Pages 128a and 128b, Lumpkin County, Georgia records, which Plat is incorporated herein and made a part hereof by reference. MR/cj 7/2/13 Our file no. 5169409 - FT10

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

in a Real Estate Deed to Secure Debt from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK, dated November 19, 2009, filed and recorded on November 25, 2009 in Deed Book 1147, Page 419, Lumpkin County, Georgia Records; transferred and assigned by Master Assignment dated February 4, 2011 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK in the original principal amount of One Hundred Sixty-Five Thousand, Eight Hundred Seventy and 90/100 Dollars ($165,870.90), with interest from said date on the unpaid balance until paid, said note having been transferred and assigned by the FDIC, as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of CHESTATEE STATE BANK; there will be sold by the undersigned (as current holder of said Deed to Secure Debt and the note secured thereby) 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 July, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 987 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 22 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

The debt secured by said Real Estate 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 Real Estate 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, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Real Estate 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 RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to, and assignee of, the Federal Deposit Insurance Corporation, as Receiver of CHESTATEE STATE BANK, as attorney in fact for RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in a Real Estate Deed to Secure Debt from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK, dated November 19, 2009, filed and recorded on November 25, 2009 in Deed Book 1147, Page 428, Lumpkin County, Georgia Records; transferred and assigned by Master Assignment dated February 4, 2011 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK in the original principal amount of One Hundred Forty-Four Thousand, One Hundred Forty-Six and 75/100 Dollars ($144,146.75), with interest from said date on the unpaid balance until paid, said note having been transferred and assigned by the FDIC, as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of CHESTATEE STATE BANK; there will be sold by the undersigned (as current holder of said Deed to Secure Debt and the note secured thereby) 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 July, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 987 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 23 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

The debt secured by said Real Estate 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 Real Estate 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, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Real Estate 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 RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to, and assignee of, the Federal Deposit Insurance Corporation, as Receiver of CHESTATEE STATE BANK, as attorney in fact for RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in a Real Estate Deed to Secure Debt from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK, dated November 19, 2009, filed and recorded on November 25, 2009 in Deed Book 1147, Page 437, Lumpkin County, Georgia Records; transferred and assigned by Master Assignment dated February 4, 2011 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK in the original principal amount of One Hundred Forty-Four Thousand, One Hundred Forty-Six and 75/100 Dollars ($144,146.75), with interest from said date on the unpaid balance until paid, said note having been transferred and assigned by the FDIC, as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of CHESTATEE STATE BANK; there will be sold by the undersigned (as current holder of said Deed to Secure Debt and the note secured thereby) 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 July, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 987 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 50 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

The debt secured by said Real Estate 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 Real Estate 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, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Real Estate 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 RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to, and assignee of, the Federal Deposit Insurance Corporation, as Receiver of CHESTATEE STATE BANK, as attorney in fact for RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

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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 Van Seeley to The Prime Financial Group, Inc, dated February 26, 2008, recorded in Deed Book 1085, Page 447, Lumpkin County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc. by assignment recorded in Deed Book 1114, Page 621, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-TWO THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($192,850.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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. Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home 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: Wells Fargo Home Mortgage a div. of Wells Fargo Bank, N.A., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472.

To the best knowledge and belief of the undersigned, the party in possession of the property is Van Seeley or a tenant or tenants and said property is more commonly known as 99 Deer Creek Lane, 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.

Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc.

as Attorney in Fact for

Van Seeley

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/slb3 7/2/13

Our file no. 52639109-FT5

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 395, 12th District, 1st Section, Lumpkin County, Georgia, being described as Tract 3 per plat recorded in Plat Cabinet 1, Slide 124, Page 63A, Lumpkin County records, containing 1.412 acres more or less said plat being incorporated herein by reference thereto. MR/slb3 7/2/13 Our file no. 52639109 - FT5

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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 Teri B. Smith and Luther S. Smith to Mortgage Electronic Registration Systems, Inc., dated July 9, 2003, recorded in Deed Book U31, Page 736, Lumpkin County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment recorded in Deed Book 1237, Page 220, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-THREE THOUSAND SEVEN HUNDRED FIFTY AND 0/100 DOLLARS ($153,750.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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. Wells Fargo Bank, 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: Wells Fargo Home Mortgage a div. of Wells Fargo Bank, N.A., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472.

To the best knowledge and belief of the undersigned, the party in possession of the property is Teri B. Smith or a tenant or tenants and said property is more commonly known as 143 Clay Creek Overlook, 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.

Wells Fargo Bank, N.A.

as Attorney in Fact for

Teri B. Smith and Luther S. Smith

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/aw4 7/2/13

Our file no. 51119112-FT7

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 574 of the 12th District of Lumpkin County, Georgia, being shown and described as 1.22 acres, as shown on a Plat of Survey recorded at Plat Book 21, Page 285, Lumpkin County, Georgia records, which plat is incorporated herein by reference for a more complete metes and bounds description of subject property. Also conveyed herewith is a perpetual, non-exclusive easement, 25 feet in wideth for ingress, egress, and installation of utilities along and with the existing roadway known as Clay Creek Overlook, which connects subject property with Clay Creek Falls Road, as shown on the plat described above. This conveyance is made subject to that Private Road Maintenance Agreement and Easement as recorded in Deed Book O-7, pages 256-258, aforesaid records; and Grant of Easement for Water Service as recorded in Deed Book O-7, Page 339, aforesaid records, and a Shared Well Agreement recorded in Deed Book K-9, Pages 343-344, aforesaid records. MR/aw4 7/2/13 Our file no. 51119112 - FT7

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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 BILLY THOMAS SWEATMAN A/K/A BILLY T. SWEATMAN and STACIE CLAYTON to WELLS FARGO HOME MORTGAGE, INC. dated August 27, 2003, filed for record September 8, 2003, and recorded in Deed Book F32, Page 663, LUMPKIN County, Georgia Records, as last transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2 by assignment recorded in Deed Book 1192, Page 197, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated August 27, 2003 in the original principal sum of SEVENTY SEVEN THOUSAND AND 0/100 DOLLARS ($77,000.00), 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 July, 2013, the property described on Exhibit “A” attached hereto and incorporated herein by reference. Said property is more commonly known as: 725 IBERIAN ROAD, DAHLONEGA, GA 30533.

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.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2. holds the duly indorsed Note and is the assignee of the Security Deed to your property. WELLS FARGO BANK, N.A. services your loan on behalf of THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2., the current beneficial owner of your loan. The servicer of this loan is WELLS FARGO BANK, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD, MAC# X7801-013, FORT MILL, SC 29715-7203; (800) 662-5014. 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 BILLY THOMAS SWEATMAN A/K/A BILLY T. SWEATMAN and STACIE CLAYTON.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2.

As Attorney-in-Fact for

BILLY THOMAS SWEATMAN A/K/A BILLY T. SWEATMAN

STACIE CLAYTON

Phelan Hallinan & Jones, LLC

303 Perimeter Center North, Suite 800

Atlanta, GA 30346

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 13143

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 117 OF THE 11TH DISTRICT, ORIGINALLY HALL NOW LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.894 ACRES, MORE OR LESS, AND BEING KNOWN AS LOT 81 OF WELLINGTON SUBDIVISION, PHASE FIVE, AS PER PLAT OF SURVEY PREPARED BY DONALD REX JONES, RLS #2398, DATED 06/12/98 AND RECORDED IN CABINET 1, SLIDE 19, PLAT 179, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION

PARCEL ID NUMBER: 098-211

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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 Paul O. Williams and Tonua Thompson-Williams to Ameriquest Mortgage Company, dated August 26, 2005, recorded on September 7, 2005 in Deed Book M36, Page 22, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to CitiFinancial Mortgage Company, Inc., the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of Ninety-Eight Thousand Sixty-Three and 00/100 DOLLARS ($98,063.00), 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 July 2, 2013 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:

The land referred to in this exhibit is located in the County of Lumpkin, the State of Georgia in Deed Book M-11 at Page 19 and is described as follows: All that tract or parcel of land, together with all improvements thereon, lying and being in Land Lot 122 in the 11th District, originally of Hall and now of Lumpkin, Georgia, consisting of 1.00 Acres, more or less, and being more fully described and delineated according to a plat of survey prepared September 9, 1980 for James Carl and Patty Ann Watson by Jimmy D Bulock, Georgia registered Surveyor #1765, which is recorded in Plat Book 8, Page 59, Lumpkin County records and incorporated by reference herein.

Said property is known as 1869 Long Branch Road, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold as the property of Paul O. Williams and Tonua Thompson-Williams, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Paul O. Williams and Tonua Thompson-Williams 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, CitiFinancial Mortgage Company, Inc., is as follows: CitiMortgage, Inc., as successor by merger with CitiFinancial Mortgage Company, Inc. 1000 Technology Drive, O`Fallon, MO 63304, 1-800-422-1498. 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.

CitiMortgage, Inc. as successor by merger with CitiFinacial Mortgage Company, Inc.

as Attorney in Fact for

Paul O. Williams and Tonua Thompson-Williams

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.

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Legals (6-12-13)
Jun 12, 2013 | 7762 views | 0 0 comments | 699 699 recommendations | email to a friend | print
gpn07

NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

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

This 14th day of May, 2013.

Janice T. Carpenter, Administrator

660 Shenandoah Drive

Dahlonega, GA 30533

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IN THE SUPERIOR COURT

OF LUMPKIN COUNTY

STATE OF GEORGIA

IN RE: PETITION OR NAME CHANGE

CALEB STEVEN EVANS

CASE NO. 13-CV-233-RG

NOTICE

Public notice is hereby given, pursuant to the Official Code of Georgia Section 19-2-1, that Cindy Lynn Pfrogner on behalf of Caleb Steven Evans is changing his name to Caleb Steve Pfrogner by Petition filed in the Superior Court of Lumpkin County, State of Georgia, on May 20, 2013. Any interested or affected party has the right to appear and file objections.

This 20th day of May, 2013.

Alfred Chang

Attorney for Petitioner

Georgia Bar No. 120689

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Hannah Thompson Culbreth, Deceased

Estate No. 2013-LA-57

Casey T. Culbreth has petitioned to be appointed Administrator of the estate of Hannah Thompson Culbreth, 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 June 17, 2013. 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

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Robert Gwen Moseley, Deceased

Estate No. 2013-LA-56

Julia M. Garner has petitioned to be appointed Administrator of the estate of Robert Gwen Moseley, 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 June 17, 2013. 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

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Patrick Donald Parks, Deceased

Estate No. 2013-LA-55

Edna Luna Parks has petitioned to be appointed Administrator of the estate of Patrick Donald Parks, 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 June 17, 2013. 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

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NOTICE TO DEBTORS AND CREDITORS

All creditors to the estate of Hoyt Clinton Bagley, late of Lumpkin County, Georgia, deceased, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to the said estate are required to make immediate payment.

This 21st day of May, 2013.

Sylvia Annette Bagley

Executrix of the estate of

Hoyt Clinton Bagley

PMB341, 420 WalMart Way

Dahlonega, GA 30533

gpn18

PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of Alma Ruth Skates, Deceased

Estate No. 2013-LA-59

Lee Anne Skates Johnson has petitioned to be appointed Administrator of the estate of Alma Ruth Skates, 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 June 24, 2013. 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

gpn12

NOTICE OF PUBLIC SALE

In accordance with the “Georgia Self-Service Storage Facility Act,” Oak Grove Stor-All, LLC, will sell to the highest bidder the following units on June 15, 2013, at 935 Oak Grove Road, Dahlonega, GA 30533 at 10 a.m. Oak Grove Stor-All, LLC. Our phone number is 706-864-2351. We reserve the right to bid, refuse any bid and withdraw any unit. Terms are Cash only and items must be removed from the facility within 48 hours. All items are sold as is. Sale is subject to cancellation in the event of a settlement between the owner and the obligated party. Any vehicle/RV/boat or any titled type of property is for parts only; no title is given or implied.

A general identity of the occupant renting the unit is as follows:

B3 J. Goodman

D1 C. Haynes

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Salvador Olivares, 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 29th day of May, 2013.

Claudia Medina, Executor/Administrator

139 Waterloo Drive

Dahlonega, GA 30533

gpn07

NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Norman Joseph Bragg, Sr., 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 30th day of May, 2013.

Joyce Ann Cain-Bragg, Executor

433 Amanda Drive

Murrayville, GA 30564

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DEBTOR-CREDITOR NOTICE

STATE OF GEORGIA

COUNTY OF LUMPKIN

This is notice to all persons owing Louise Ash Riddle, deceased, late of Lumpkin County, Georgia, to render payment to the undersigned immediately; and this is further notice to all persons owed by Louise Ash Riddle, deceased, to render a statement of their claims to the undersigned immediately.

This 30th day of May, 2013.

Tommi Ash Ward

Executrix of the Estate of

Louise Ash Riddle, Deceased

address: P.O. Box 431, Greensboro, GA 30642

gpn18

PETITION FOR LETTERS OF ADMINISTRATION NOTICE

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

In re: Estate of William Edward Hanson, Deceased

Estate No. 2013-LA-61

Brenda Anne Whlechel Hanson has petitioned to be appointed Administrator of the estate of William Edward Hanson, 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 July 1, 2013. 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

gpn02

APPLICATION FOR BEER/WINE LICENSE

Melissa Marie Frady has applied with the Dahlonega City Council for a Beer/Wine License for Dahlonega Discount Food Mart, LLC, located at 550 S. Chestatee Street, Dahlonega, Georgia, 30533.

gpn06

TRADE NAME REGISTRATION

Georgia, Lumpkin County

Notice is hereby given that a trade name registraton statement has been filed in this office, verified by affidavit of HENRY H. NORRIS, III, President of Service Master of Athens-CWI Environmental, LLC which affidavit states that he, Henry H. Norris, III, Gordon B. Brown, 63 Boyd Road, Dahlonega, GA 30533 AND Luke R. Smith, 63 Boyd Road, Dahlonega, GA 30533 are owners and conducting a business of Enviromental Remediation Service, operating under the trade name of Service Master of Athens-CWI Environmental, LLC

Witness my official signature and seal of the Superior Court this 3rd day of June, 2013.

Rita Harkins

Clerk of Superior Court

gpn14

LEGAL NOTICE

The Georgia Public Service Commission has directed the Atlanta Gas Light Company to file its 2013-2016 Capacity Supply Plan with the Georgia Public Service Commission no later than July 1, 2013. Copies of the 2013-2016 Capacity Supply Plan shall be on file with the Georgia Public Service Commission. This matter has been assigned Docket No. 36792 and has been scheduled for public hearing before the Georgia Public Service Commission on Wednesday, September 18, 2013 at 1:00 p.m. in Room 110 of the Georgia Public Service Commission offices located at 244 Washington Street, SW, Atlanta, Georgia 30334. Anyone interested in this matter will be given the opportunity to express his or her view pursuant to O.C.G.A. Section 46-2-59.

In accordance with O.C.G.A. Section 46-2-59(c) and the Procedural and Scheduling Order issued in this docket, persons wishing to intervene must file a Petition to Intervene with the Georgia Public Service Commission within thirty (30) days of the first publication of this notice.

An original and fifteen (15) copies of any pre-filed testimony of statements by interveners along with a 3 1/2 inch diskette or CD ROM containing an electronic version of this filing in Microsoft Word for text documents or Excel for spread sheets must be filed with the Georgia Public Service CommissionÕs Executive Secretary by 4:00 p.m. on August 26, 2013 in accordance with the Procedural and Scheduling Order issued in this docket. Any expert testimony or testimony of a technical nature must by pre-filed. Parties of record must also file with one another copies of any pre-filed testimony. Intervenor testimony will be heard at the hearing scheduled for September 18, 2013.

If you have a disability and will need assistance or accommodations to participate, or need further information, please contact the Executive SecretaryÕs Office, Georgia Public Service Commission at (404) 656-4501 or 1-800-282-5813 (inside Georgia only) at least one day prior to the hearing in this matter.

This notice is published at the direction of the Georgia Public Service Commission.

David C. Weaver

Vice President

Regulatory and Governmental Affairs

Atlanta Gas Light Company

ATLANTA 5483080.1

pn 12

NOTICE OF SALE

Byrd’s Mini Storage #3

6326 Hwy. 52E

Murrayville, GA 30564

706-864-8672

Sale date: Friday, June 28, 2013 at 1 p.m.

Unit # Name

C10 B. Vandiver

C30 B. Lofton

D19 R. Ellin

B28 K. Shipp

(6/12, 6/19)

gpn14

NOTICE

In the Superior Court of Lumpkin County, State of Georgia

EGD Properties, L.P. and Jonathan M. Seidel as Executor of the Last Will and Testament of Nancy Forsyth Noblin, Plaintiffs,

vs.

All the world, K.K. Turner, Hugh Capidz, and the executors, heirs and assigns of Hugh Capidz, the heirs, executors, and assigns of John Whelchel, the heirs, executors and assigns of William Varnum, the heirs, executors, and assigns of R.C.Thompson, and all persons claiming an interest in Land Lot 64 of the 12th Land District, First Section, Lumpkin County, Georgia, Defendants.

Civil Action File no. 13-CV-124-SG

to: All persons known and unknown with claims against the subject property including but not limited to: all heirs, executors and assigns of Hugh Capidz, all heirs, executors, and assigns of John Whelchel, all heirs, executors and assigns of William Varnum, all heirs, executors and assigns of R.C.Thompson, and all persons claiming an interest in Land Lot 64 of the 12th Land District, First Section, Lumpkin County, Georgia.

You are hereby notified that the above-styled action seeking to establish title to the below described property against all the world was filed on the 19th day of March, 2013, in the Superior Court of Lumpkin County, Georgia, Enotah Judicial Circuit, and that by reason of Order for Service by Publication entered by said Court on the 5th day of June, 2013, you are hereby commanded to be and appear at said Court within thirty days of the date of the order for service by publication to answer said petition and file pleadings before the Court.

The subject property is described as all of Land Lot 64 of the 12th Land District, First Section, Lumpkin County, Georgia.

Witness the Honorable N. Stanley Gunter, Judge of said Court.

This 5th day of June, 2013.

Rita Harkins, Clerk

Superior Court,

Lumpkin County, Georgia

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NOTICE OF PUBLIC HEARING FOR CERTIFICATE OF APPROPRIATENESS

Please take notice that the City of Dahlonega Historic Preservation Commission has received the following applications which will be heard on Wednesday June 19, 2013, at 6:00 p.m. This meeting 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 Jerry Butler/Peggy Ferguson for Certificate of Appropriateness to install arbor, rock retaining wall and fence. Property address 51 North Grove Street. Property is zoned CBD Central Business Historic District. Property ID. Tax Map D11-38 & 43.

Application submitted by Wanda Marlowe/Lynn Aldred for Certificate of Appropriateness to install a handrail and exterior light. Property address: 85 East Main Street. Property is zoned CBD Central business Historic District. Property ID. Tax Map D11-42.

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Deborah E Beheler to Mortgage Electronic Registration Systems, Inc., as nominee for Birmingham Bancorp Mortgage Corporation, its successors and assigns dated September 22, 2008 in the amount of $162,174.00, and recorded in Deed Book 1110, Page 425, sent unto a Non-HAMP Loan Modification Agreement filed on 08/21/12 at Book 1222, page 138-142, Lumpkin County, Georgia Records; as last transferred to Ocwen Loan Servicing, LLC by assignment; the undersigned, Ocwen Loan Servicing, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in August, 2013, 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:

Tax ID Number(s): 022-207

Land situated in the County of Lumpkin in the State of GA

All that tract or parcel of land lying and being in Land Lots 919, 986 and 987 of the 5th District, 1st Section, Lumpkin County, Georgia, being Lot 55 CRAWFORD FALLS SUBDIVISION, as per plat thereof recorded in Plat Cabinet 1, Slide 133, page 59 and 60, Lumpkin County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.

Commonly known as: 198 Miller Dr, Dawsonville, GA 30534

which has the property address of 198 Miller Dr, 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 Deborah E Beheler and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

Ocwen Loan Servicing, LLC

Attorney in Fact for

Deborah E Beheler

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates: 05-15-2013, 05-22-2013, 05-29-2013, 06-05-2013, 06-12-2013, 06-19-2013, 06-26-2013, 07-03-2013, 07-10-2013, 07-17-2013, 07-24-2013, 07-31-2013

File No. 11-18681 /FHA/awilby

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.

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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 PATRICIA LYNNE ALLRED to Home 123 Corporation, dated May 16, 2005, recorded June 10, 2005, in Deed Book X35, Page 165, 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 Fifty-Two Thousand One Hundred and 00/100 dollars ($152,100.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Deutsche Bank National Trust Company As Trustee For The Holders Of New Century Home Equity Loan Trust, Series 2005-A, Asset Backed Pass-Through Certificates, 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 July, 2013, all property described in said Security Deed including but not limited to the following described property:

ALL THAT FOLLOWING DESCRIBED PROPERTY: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 162, 11TH DISTRICT, LUMPKIN COUNTY, GEORGIA, AS SHOWN ON A CERTAIN PLAT OF SURVEY PREPARED FOR STUART CUNNINGHAM AND LUANNE CUNNINGHAM BY MICHAEL STEWART KELLEY, REGISTERED SURVEYOR, UNDER DATE OF AUGUST 9 1993, A COPY OF SAID PLAT BEING OF RECORD IN THE OFFICE OF THE CLERK OF SUPERIOR COURT, LUMPKIN COUNTY, GEORGIA IN PLAT BOOK 25, PAGE 192, WHICH PLAT AND LEGAL DESCRIPTION THEREOF ARE INCORPORATED HEREIN BY REFERENCE THERETO.

Said legal description being controlling, however the property is more commonly known as 95 CHESTATEE SPRINGS RIDGE, DAHLONEGA, GA 30533.

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 PATRICIA LYNNE ALLRED, PATRICIA LYNNE ALLRED aka PATRICIA LYNN ALLRED, 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.

DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR THE HOLDERS OF NEW CENTURY HOME EQUITY LOAN TRUST, SERIES 2005-A, ASSET BACKED PASS-THROUGH CERTIFICATES

as Attorney in Fact for

PATRICIA LYNNE ALLRED

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-11-05724-0004

Ad Run Dates 06/05/2013, 06/12/2013, 06/19/2013, 06/26/2013

www.rubinlublin.com/property-listings.php

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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 Karen Black to Mortgage Electronic Registration Systems, Inc., dated March 2, 2005, recorded in Deed Book I35, Page 506, Lumpkin County, Georgia Records, as last transferred to Flagstar Bank, FSB by assignment recorded in Deed Book 1232, Page 178, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-TWO THOUSAND THREE HUNDRED AND 0/100 DOLLARS ($122,300.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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 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 Karen Black or a tenant or tenants and said property is more commonly known as 140 Friar Tuck Trail North, Murrayville, Georgia 30564. 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. Flagstar Bank, FSB

as Attorney in Fact for Karen Black McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/meb1 7/2/13

Our file no. 5179013-FT8

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 46 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.554 acres, more or less, being more fully described and delineated as Lot #18 on a plat of survey of the Sherwood Forest Subdivision, Phase One, recorded in Cabinet #1, Slide #50, Plat #188, Lumpkin County, Georgia records, to which plat reference is made for a more detailed description. MR/meb1 7/2/13 Our file no. 5179013 - FT8

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

State Of Georgia

By virtue of the power of sale contained in that certain Deed to Secure Debt, Assignment of Rents and Security Agreement from Boyd Stanley Cochran and Marian Kay Cochran to Branch Banking and Trust Company dated November 20, 2009, recorded in Deed Book 1147, Page 45, Lumpkin County, Georgia Records, and in that certain Deed to Secure Debt, Assignment of Rents and Security Agreement from Boyd Stanley Cochran and Marian Kay Cochran to Branch Banking and Trust Company dated November 20, 2009, recorded in Deed Book 1147, Page 71, Lumpkin County, Georgia Records (hereinafter jointly 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, July 2, 2013, 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 Branch Banking and Trust Company is the entity that has full authority to negotiate, amend, and modify all terms of the mortgage, and that Branch Banking 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 in possession of the property is Boyd Stanley Cochran and Marian Kay Cochran or a tenant or tenants, and said property is more commonly known as 909 Claude Parks Road, 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.

Branch Banking and Trust Company, as successor to Century South Bank of Dahlonega

Attorney in Fact for Boyd Stanley Cochran and Marian Kay Cochran

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 Lots 46 and 47 of the 11th Land District,

Lumpkin County (originally Hall County), Georgia and comprised of two tracts, Tract 1 containing 27,206 square feet, and Tract 2 containing 91.70 acres, according to a survey for the Estate of Ruth Barnes, by Farley-Collins Associates, dated 11-11-94, which survey is recorded in Plat Book 28, Page 143 of the Lumpkin County Plat Records. Reference to said survey is hereby made for a more full and complete description of said property.

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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 Vicki J Copeland to Mortgage Electronic Registration Systems, Inc., dated July 15, 2010, recorded in Deed Book 1165, Page 157, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. by assignment recorded in Deed Book 1232, Page 124, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-EIGHT THOUSAND TWO HUNDRED SEVENTY-TWO AND 0/100 DOLLARS ($158,272.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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 Vicki J Copeland or a tenant or tenants and said property is more commonly known as 29 Miller Dr, Dawsonville, Georgia 30534. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Bank of America, N.A.

as Attorney in Fact for

Vicki J Copeland

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/dt3 7/2/13

Our file no. 5282513-FT11

EXHIBIT “A”

All that tract or parcel of land situate, lying and being in Land Lots 919, 986 & 987 of the 5th Land District and 1st Section of Lumpkin County, Georgia, being Lot 2 of Crawford Falls Subdivision, as shown on plat of survey entitled “Final Subdivision, as shown on plat of survey entitled “Final Plat for Crawford Falls” prepared by David L. Ringo, GRLS NO. 2250, dated March 3, 2005, which is recorded in Plat Cabinet 1, Slide 133, pages 59-60 in the Office of the Clerk of Superior Court of Lumpkin County, Georgia, which plat and the record thereof, is by this reference incorporated herein and made a part hereof. MR/dt3 7/2/13 Our file no. 5282513 - FT11

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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 ROBBY LYNN COWART to CITIFINANCIAL SERVICES, INC., dated November 24, 2004 and filed for record December 3, 2004 in Deed Book U34, Page 741, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $129,820.88; 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 July, 2013, by CitiFinancial Services, Inc. as Attorney-in-Fact for ROBBY LYNN COWART the following property to-wit:

ALL THAT LOT, TRACT OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON, LYING AND BEING IN LAND LOT 99 IN THE FIRST DISTRICT AND FIRST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.01 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT NUMBER 17, COPPER PINES SUBDIVISION ON A PLAT OF SURVEY PREPARED FOR CINDY A. STURM BY JICK A. PAGE, JR., GEORGIA REGISTERED SURVEYOR, DATED JULY 30, 1993, AND FURTHER SHOWN ON PLAT OF SURVEY OF THE COPPER PINES SUBDIVISION BY MICHAEL L. SCUPIN & ASSOCIATES, GEORGIA REGISTERED SURVEYOR NO. 1964, DATED JANUARY 10, 1985, WHICH SUBDIVISION PLAT IS RECORDED IN PLAT BOOK 13, PAGE 91 OF THE LUMPKIN COUNTY, GEORGIA PLAT RECORDS, WHICH PLATS AND THE RECORD THEREOF ARE INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION AND ALL OTHER LEGAL PURPOSES. ACCORDING TO SAID PLAT PREPARED BY JICK A. PAGE, JR., THE PROPERTY IS MORE FULLY DESCRIBED AS FOLLOWS: BEGINNING AT AN IRON PIN FOUND LOCATED ON THE NORTHERLY RIGHT-OF-WAY OF PARISH ROAD, WHICH IRON PIN IS LOCATED 132.38 FEET IN A WESTERLY DIRECTION FROM THE RIGHT-OF-WAY LINE OF COPPER MINE ROAD (BEING A 100 FOOT RIGHT-OF-WAY); THENCE FROM SAID POINT OF BEGINNING ALONG PARISH ROAD SOUTH 77 DEGREES 14 MINUTES 47 SECONDS WEST A CHORD DISTANCE OF 196.75 FEET (ARC DISTANCE OF 197.13 FEET) TO A POINT, THENCE CONTINUING ALONG SAID PARISH ROAD SOUTH 71 DEGREES 05 MINUTES 16 SECONDS WEST 59.45 FEET TO AN IRON PIN FOUND AT THE CORNER; THENCE NORTH 18 DEGREES 05 MINUTES 49 SECONDS WEST 195.40 FEET TO AN IRON PIN FOUND AT THE CORNER LOCATED ON THE SOUTHERLY RIGHT-OF-WAY LINE OF KIT COURT; THENCE ALONG SAID KIT COURT AS FOLLOWS: NORTH 73 DEGREES 10 MINUTES 02 SECONDS EAST 43.46 FEET TO A POINT; THENCE CONTINUING ALONG SAID KIT COURT NORTH 69 DEGREES 24 MINUTES 08 SECONDS EAST 143.63 FEET TO A POINT; THENCE LEAVING SAID KIT COURT AND RUNNING SOUTH 35 DEGREES 30 MINUTES 03 SECONDS EAST 228.55 FEET TO THE POINT OF BEGINNING. SAID PROPERTY IS SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE AND RESTRICTIVE COVENANTS FOR THE COPPER PINES SUBDIVISION, DATED JULY 19, 1985, AND RECORDED IN DEED BOOK B-5, PAGES 732-736 OF THE LUMPKIN COUNTY, GEORGIA DEED RECORDS. GRANTEE HEREBY RECOGNIZES THAT ANY AND ALL MEANS OF INGRESS AND EGRESS TO THE PROPERTY CONVEYED HEREBY WHICH IS PROVIDED BY THE GRANTOR HEREIN OR HIS SUCCESSORS OR ASSIGNS ARE CONSIDERED BY THE PLANNING COMMISSION OF LUMPKIN COUNTY AND THE GOVERNING BODY OF LUMPKIN COUNTY TO BE PRIVATE WAYS NOT MAINTAINABLE BY SAID GOVERNING BODY; THEREFORE, THE GRANTEE HEREIN HEREBY AGREES THAT HE/SHE WILL BE RESPONSIBLE FOR HIS/HER SHARE OF THE UPKEEP AND MAINTENANCE OF SAID PRIVATE WAY, HOLDING COMPLETELY HARMLESS THE GOVERNING BODY OF LUMPKIN COUNTY OF ANY NECESSITY FOR SUCH UPKEEP OR MAINTENANCE. OF THE PRINCIPAL AMOUNT OF THE LOG TERM NOTE EVIDENCED BY DEED TO SECURE DEBT, $101,327.52 PRESENTS ADDITIONAL SUMS ON WHICH INTANGIBLE TAXES ARE, DUE AND PAYABLE, AND $28,493.36 REPRESENTS A REFINANCING OF THE UNPAID PRINCIPAL BALANCE ON PREVIOUS LONG TERM NOTE, EVIDENCED BY THE DEED TO SECURE DEBT FROM GRANTOR TO GRANTEE AS RECORDED IN DEED BOOK C-34, PAGE 388 IN LUMPKIN COUNTY RECORDS IN THE ORIGINAL PRINCIPAL AMOUNT OF $28,579.68 IN WHICH INTANGIBLE TAXES WERE PAID . (SEE GA. CODE ANNOTATED 48-6-65(B)(2). THE NAME OF GRANTEE WAS CHANGED FROM COMMERCIAL CREDIT PLAN, INCORPORATED TO CITIFINANCIAL SERVICES, INC. PURSUANT TO A NAME CHANGE AMENDMENT FILED WITH THE GOERGIA SECRETARY OF STATE, CORPORATIONS DIVISION, ON MAY 19, 1999.

The above described property is also known as 162 KIT COURT, MURRAYVILLE, GA 30564.

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:

CitiMortgage, Inc.

5280 Corporate Drive

Attn: Default Mail Services

Frederick, MD 21703

Phone: HAT Program: 866-272-4749

Fax: 866-989-2089 or 866-989-2088

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

CitiFinancial Services, Inc.

as Attorney-in-Fact for

ROBBY LYNN COWART

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.

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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 GARY C CUTCHALL AND MARY L BREWER to WELLS FARGO HOME MORTGAGE, INC , dated 03/29/2002, and Recorded on 04/29/2002 as Book No. F24 and Page No. 552-562, LUMPKIN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $107,119.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in July, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING LAND LOT 94, 1ST DISTRICT, LUMPKIN COUNTY, GEORGIA, CONTAINING 1.834 ACRES, AS PER PLAT OF SURVEY FOR TODD CANNON DATED FEBRUARY 13, 2002 BY GEOIMAGE, LLC, 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 COMMON CORNER OF LAND LOTS 100, 93, 99 AND 94; THENCE SOUTH 88 DEGREES 26 MINUTES 03 SECONDS EAST A DISTANCE OF 566.56’ TO A 1/2” REBAR SET, WHICH POINT IS THE TRUE POINT OF BEGINNING; FROM THE POINT OF BEGINNING THUS ESTABLISHED, PROCEED SOUTH 88 DEGREES 26 MINUTES 03 SECONDS EAST A DISTANCE OF 338.15’ TO A 1/2” REBAR SET; THENCE SOUTH 18 DEGREES 11 MINUTES 57 SECONDS WEST A DISTANCE OF 322.04’ TO A 1/2” REBAR SET; THENCE SOUTH 18 DEGREES 11 MINUTES 57 SECONDS WEST A DISTANCE OF 322.04’ TO A 1/2” REBAR SET; THENCE SOUTH 8 DEGREES 46 MINUTES 15 SECONDS WEST A DISTANCE OF 50.00’ TO A 1/2” REBAR SET; THENCE NORTH 81 DEGREES 13 MINUTES 45 SECONDS WEST A DISTANCE OF 20.00 TO A 1/2” REBAR SET: THENCE NORTH 36 DEGREES 13 MINUTES 45 SECONDS WEST A DISTANCE OF 50.00’ TO A 1/2” REBAR SET; THENCE NORTH 72 DEGREES 27 MINUTES 56 SECONDS WEST A DISTANCE OF 103.55’ TO A 1/2” REBAR SET; THENCE NORTH 27 DEGREES 10 MINUTES 21 SECONDS WEST A DISTANCE OF 108.75’ TO A CALCULATED POINT; THENCE NORTH 9 DEGREES 25 MINUTES 51 SECONDS WEST A DISTANCE OF 195.91’ TO A 1/2” REBAR SET, AND THE TRUE POINT OF BEGINNING.

ALSO CONVEYED HEREWITH A 30’ EASEMENT FOR INGRESS AND EGRESS FROM GRINDLE ROAD TO SUBJECT PROPERTY OVER AND ACROSS PROPERTY SHOWN AS “ TRACT 2” ON SAID SURVEY, A COPY OF SAID SURVEY BEING ATTACHED HERETO AS EXHIBIT “B” AND INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., ONE HOME CAMPUS, DES MOINES, IA 50328, 803-396-6000. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 700 GRINDLE BROTHERS RD, MURRAYVILLE, GEORGIA 30564 is/are: GARY C CUTCHALL AND MARY L BREWER or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

WELLS FARGO BANK, N.A.

as Attorney in Fact for

GARY C CUTCHALL AND MARY L BREWER.

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

20120058300259

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

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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 Danny Ray Edwards to The Mortgage People Co. dated January 29, 2001 in the amount of $90,000.00, and recorded in Deed Book A27, Page 485, Lumpkin County, Georgia Records; as last transferred to JPMorgan Chase Bank, National Association by assignment; the undersigned, JPMorgan Chase Bank, National Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in July, 2013 , 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 95, 11th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Patton-Patton & Associates, Georgia Registered Land Surveyor, dated September 17, 1987: and as per said plat, being Lot 2. The subject plat being of record in Plat Book 18, Page 71, Lumpkin County Records. Said plat is hereby incorporated by reference.

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

This conveyance is made together with and subject to any easements of record.

Together with that certain housing unit which was formerly personalty but is now permanently annexed and affixed to the above described land as a permanent improvement and which is the subject of Georgia Motor Vehicle Certificates of Title No. 7723550101220122 & 772354010221122 and all rights therunto appertaining.

Housing unit as fixture: acknowledge of intent. Grantor/Borrower and Grantee/Lender hereby acknowledge their intention that the housing unit referred to in the above description of the property is and shall forever remain permanently affixed as part of the real property herein conveyed and securing allsums secured by this deed. In recognition that said housing unit has now and forever ceased to be personal property, Grantor/Borrower hereby waives any and all rights Grantor/Borrower may have in the event Grantor/Borrower breaches any covenant or agreement in this deed to require Grantee/Lender to resort to any remedy other than those set forth above. Grantor/Borrower specifically waives the right to require any type of judicial foreclosure of Grantee/Lender`s security interest in said housing unit under any provision of Georgia law. If Grantor/Borrower commits any breach and Grantee/Lender invokes the power of sale set forth in paragraph 21 above, then Grantor/Borrower hereby appoints Grantee/Lender Grantor/Borrower`s agent and attorney in fact to convey title to said housing unit if and to the extent required under the Georgia Motor Vehicle Certificate of Title Act, or any other applicable law.

which has the property address of 45 Pine Tree Lane, 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 Danny Ray Edwards and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

JPMorgan Chase Bank, National Association

Attorney in Fact for

Danny Ray Edwards

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates: 06-05-2013, 06-12-2013, 06-19-2013, 06-26-2013

File No. 09-17484 /FHLMC/wmorgan

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.

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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 from Cathy Gilstrap to The Mortgage People Co. in the original principal amount of $66,000.00 dated 08/30/2000, and recorded in Deed Book C26, page 192, Lumpkin County records, said Security Deed being last transferred and assigned to Principal Residential Mortgage, Inc. in Deed Book G26, page 61, Lumpkin County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of July, 2013 by CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-Fact for Cathy Gilstrap the following described property:

All that tract or parcel of land lying and being in Land Lot 959, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Michael L. Scupin, Georgia Registered Land Surveyor, dated August 21, 1986; and as per said plat, the property contains 1.04 acres, more or less. The subject plat being of record in Plat Book 17, Page 122, Lumpkin County Records. Said plat is hereby incorporated by reference.

This property is conveyed along with and subject to the easement provision of a Warranty Deed from Jimmie C. Chandler to Cathy C. Gilstrap which is recorded in Deed Book X-5, Pages 192-193, Lumpkin County Records.

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

This conveyance is made together with and subject to any easements of record.

Together with that certain housing unit which was formerly personalty but is now permanent annexed and affixed to the above described land as a permanent improvement and which is the subject of Georgia Motor Vehicle Certificate of Title No. ____________________ and all rights thereunto appertaining.

Property known as: 139 Ed Grizzle Road, 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 purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Cathy Gilstrap subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

Pursuant to O.C.G.A Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Cathy Gilstrap.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-fact for Cathy Gilstrap.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 13-00775-3

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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 Garrett Harris and Vickie Harris to Branch Banking and Trust Company, dated November 7, 2001, recorded in Deed Book I28, Page 299, Lumpkin County, Georgia Records, as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-FOUR THOUSAND AND 0/100 DOLLARS ($84,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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.

Branch Banking and Trust Company 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: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722.

To the best knowledge and belief of the undersigned, the party in possession of the property is Garrett Harris and Vickie L.Harris or a tenant or tenants and said property is more commonly known as 191 Rainmore Dr, 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.

Branch Banking and Trust Company

as Attorney in Fact for

Garrett Harris and Vickie Harris

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mtj 7/2/13

Our file no. 5344213-FT15

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 378 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 2.50 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated April 10, 1994, prepared for Edward Lewis Whitt by Fredrick F. Kauffman, Georgia Registered Land Surveyor. this plat is recorded in Plat Book 26, Page 188, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed here with is a perpetual, non-exclusive easement sixty feet in width running along and with Rainmore Drive leading to Riverflow Road. This property is conveyed subject to the rights of others to use Rainmore Drive.

This property is conveyed subject to the restrictions placed on the property as set out in a Warranty Deed recorded in Deed Book L-13, Pages 229-230, Lumkin County Records.

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

MR/mtj 7/2/13

Our file no. 5344213 - FT15

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Alan C. Hearnshaw to Mortgage Electronic Registration Systems, Inc. as nominee for Wachovia Mortgage Corporation, and its successors and assigns dated January 30, 2006, and recorded in Deed Book G37, Page 36, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $94,500.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN Land Lot 124, 11 th District, Lumpkin County, Georgia, containing 1.72 acres, more or less and being more fully described and delineated as Lot 5 in the second phase of The Summit according to a plat of survey prepared March 13,1996 by Frederick F. Kauffman, G.R.L.S. #1774, as per plat recorded in Plat Book 29, page 111, Lumpkin County, Georgia records, which plat is incorporated herein and made a part of the record hereof by reference.

Also, conveyed to the Grantee, its successors and/or assigns, is a non-exclusive, perpetual easement for ingress, egress, and the installation of all necessary utilities 40 feet in width, or 20 feet from either side of Hampton Heath, as shown on said plat of survey.

This property is hereby conveyed subject to the same restrictive covenants and other provisions which were placed in a warranty deed from Hoyt Robinson to Johnny L. Faulkner and Larry L. Satterfield dated March 16, 1988, which is recorded in Deed Book N¬7, Pages 172-173, Lumpkin County, Georgia records, and which are incorporated by reference herein. Reference is also made to a Declaration of Joint and Reciprocal Easements and Water Service Agreement for Lots 1-6 of The Summit which is recorded in Deed Book 1-14, Pages 17-21, Lumpkin County, Georgia records.

Said property is known as 93 Hampton Heath, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

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 secured creditor.

The property is or may be in the possession of Alan C. Hearnshaw, successor in interest or tenant(s).

Wells Fargo Bank, NA as Attorney-in-Fact for Alan C. Hearnshaw

File no. 12-035679

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/KMM

HYPERLINK “http://www.swertfeger.net” www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[FC-NOS]

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Kathryn May to Mortgage Electronic Registration Systems, Inc. as nominee for Merrill Lynch Credit Corporation, and its successors and assigns dated April 15, 2003, and recorded in Deed Book G-31, Page 734, and Deed Book R-31, Page 696, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York successor in interest to JPMorgan Chase Bank N.A. f/k/a JPMorgan Chase Bank as Trustee for Structured Asset Mortgage Investments Inc., Bear Stearns ARM Trust, Mortgage Pass-Through Certificates Series 2003-5 by Assignment, securing a Note in the original principal amount of $367,100.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 143 AND 146, 11TH DISTRICT, 1st SECTION, LUMPKIN COUNTY, GEORGIA AND BEING LOT 103 OF THE BIRCH RIVER, UNIT I SUBDIVISION, RECORDED IN PLAT SLIDE 1-35, PAGE 93 OF THE LUMPKIN COUNTY, GEORGIA RECORDS. SAID PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY THIS REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO RESTRICTIVE COVENANTS FOR BIRCH RIVER SUBDIVISION.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE.

THIS CONVEYANCE IS MADE SUBJECT TO ANY EASEMENTS OF RECORDS OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED.

Said property is known as 32 Millers Place, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

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 secured creditor.

The property is or may be in the possession of Kathryn May, successor in interest or tenant(s).

The Bank of New York Mellon, fka The Bank of New York successor in interest to JPMorgan Chase Bank N.A. f/k/a JPMorgan Chase Bank as Trustee for Structured Asset Mortgage Investments Inc., Bear Stearns ARM Trust, Mortgage Pass-Through Certificates Series 2003-5 as Attorney-in-Fact for Kathryn May

File no. 13-039272

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/CH

www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Pierce Mobley and Pamela J. Mobley to Union Planters Bank, N.A. dated May 3, 2003, and recorded in Deed Book J-31, Page 154, Lumpkin County Records, securing a Note in the original principal amount of $120,400.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 46 of the 11th District, originally Hall County, now Lumpkin County, Georgia, consisting of 1.526 acres, more or less, being more fully described as Lot 82, per Plat prepared by Donald Rex Jones dated July 22, 2002, recorded in Plat Cabinet 1, Slide 81, Plat 18A and 19, Lumpkin County, Georgia records, which plat is incorporated herein by reference for a more complete metes and bounds description of subject property.

The borrower(s) herein represents, covenants, warrants, and agrees that the mobile home located on the land, a 2003 HORTON (MIII) CMD, SERIAL NUMBER H179726GL&R, is to remain on the land and has been permanently affixed to the land described herein so as to become part of the land, and all associated additions (wells, septic tank, decks, driveway, walkways, patio, carport, garage, etc.) are intended to be permanent improvements to said real estate and are to be governed by all terms and conditions of this security deed.

Said property is known as 59 Maid Marian Circle, Murrayville, GA 30564, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law.

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 secured creditor.

The property is or may be in the possession of Pamela J. Mobley, successor in interest or tenant(s).

Regions Bank D/B/A Regions Mortgage successor by merger to Union Planters Bank, NA as Attorney-in-Fact for Pierce Mobley and Pamela J. Mobley

File no. 13-038862

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/CH

www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[FC-NOS]

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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 from Kimberly Nicholson to United Community Mortgage Services, Inc. in the original principal amount of $103,075.00 dated 06/30/2004, and recorded in Deed Book Z33, page 356, Lumpkin County records, said Security Deed being last transferred and assigned to Principal Residential Mortgage, Inc. in Deed Book E34, page 510, Lumpkin County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of July, 2013 by CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-Fact for Kimberly Nicholson the following described property:

All that tract or parcel of land lying and being in Land Lots 218 and 219, 13th District, 1st Section, Lumpkin County, Georgia, and being all of Lot 58 of River Trace Subdivision, as more fully described on subdivision plat prepared by Michael L. Scupin, Georgia Registered Land Surveyor, dated June 16, 1993 and, as per said plat, the property contains 1.01 acres, more or less, the subject plat being of record in Plat Book 26, Pages 57-58, Lumpkin County Records. Said plat is incorporated herein by reference.

This conveyance is made subject to that certain Declaration of Protective Covenants for River Trace Subdivision which is recorded in Deed Book K-12, Pages 72-74, and Deed Book V-12, Pages 26-31, Lumpkin County Records.

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.

Property known as: 186 River Trace 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 purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Kimberly Nicholson subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

Pursuant to O.C.G.A Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Kimberly Nicholson.

CitiMortgage, Inc., successor by merger with Principal Residential Mortgage, Inc., as Attorney-in-fact for Kimberly Nicholson.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 13-01501-1

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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 Wesley Micah Porter to Mortgage Electronic Registration Systems, Inc., dated May 25, 2007, recorded in Deed Book 1044, Page 174, Lumpkin County, Georgia Records, as last transferred to Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1121, Page 321, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FIVE THOUSAND FIVE HUNDRED SIXTY-FIVE AND 0/100 DOLLARS ($155,565.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP 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., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773.

To the best knowledge and belief of the undersigned, the party in possession of the property is Wesley Micah Porter or a tenant or tenants and said property is more commonly known as 468 Gold Ridge Road, 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.

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

Wesley Micah Porter

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/cj 7/2/13

Our file no. 5169409-FT10

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 102 of the 11th District, Lumpkin County, Georgia, Being Lots 10 and 11 of Yellow Creek Estates Subdivision, as per Plat recorded in Plat Book 22, Page 9, and as shown on “Reconfigured” plats of record in Plat Cabinet ONE, Slide 117, Pages 128a and 128b, Lumpkin County, Georgia records, which Plat is incorporated herein and made a part hereof by reference. MR/cj 7/2/13 Our file no. 5169409 - FT10

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

in a Real Estate Deed to Secure Debt from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK, dated November 19, 2009, filed and recorded on November 25, 2009 in Deed Book 1147, Page 419, Lumpkin County, Georgia Records; transferred and assigned by Master Assignment dated February 4, 2011 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK in the original principal amount of One Hundred Sixty-Five Thousand, Eight Hundred Seventy and 90/100 Dollars ($165,870.90), with interest from said date on the unpaid balance until paid, said note having been transferred and assigned by the FDIC, as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of CHESTATEE STATE BANK; there will be sold by the undersigned (as current holder of said Deed to Secure Debt and the note secured thereby) 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 July, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 987 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 22 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

The debt secured by said Real Estate 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 Real Estate 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, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Real Estate 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 RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to, and assignee of, the Federal Deposit Insurance Corporation, as Receiver of CHESTATEE STATE BANK, as attorney in fact for RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in a Real Estate Deed to Secure Debt from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK, dated November 19, 2009, filed and recorded on November 25, 2009 in Deed Book 1147, Page 428, Lumpkin County, Georgia Records; transferred and assigned by Master Assignment dated February 4, 2011 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK in the original principal amount of One Hundred Forty-Four Thousand, One Hundred Forty-Six and 75/100 Dollars ($144,146.75), with interest from said date on the unpaid balance until paid, said note having been transferred and assigned by the FDIC, as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of CHESTATEE STATE BANK; there will be sold by the undersigned (as current holder of said Deed to Secure Debt and the note secured thereby) 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 July, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 987 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 23 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

The debt secured by said Real Estate 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 Real Estate 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, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Real Estate 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 RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to, and assignee of, the Federal Deposit Insurance Corporation, as Receiver of CHESTATEE STATE BANK, as attorney in fact for RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

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NOTICE OF SALE UNDER POWER

County of Lumpkin, State of Georgia

Under and by virtue of the power of sale contained in a Real Estate Deed to Secure Debt from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK, dated November 19, 2009, filed and recorded on November 25, 2009 in Deed Book 1147, Page 437, Lumpkin County, Georgia Records; transferred and assigned by Master Assignment dated February 4, 2011 from the Federal Deposit Insurance Corporation (“FDIC”), as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, recorded in Deed Book 1181, Page 305, Lumpkin County, Georgia Records; said Deed to Secure Debt, as modified and assigned, given to secure, among other things, a note from RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC to CHESTATEE STATE BANK in the original principal amount of One Hundred Forty-Four Thousand, One Hundred Forty-Six and 75/100 Dollars ($144,146.75), with interest from said date on the unpaid balance until paid, said note having been transferred and assigned by the FDIC, as Receiver of CHESTATEE STATE BANK, to BANK OF THE OZARKS, as successor in interest to and assignee of the FDIC, as Receiver of CHESTATEE STATE BANK; there will be sold by the undersigned (as current holder of said Deed to Secure Debt and the note secured thereby) 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 July, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 987 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 50 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

The debt secured by said Real Estate 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 Real Estate 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, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Real Estate 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 RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC or a tenant or tenants.

BANK OF THE OZARKS, as successor in interest to, and assignee of, the Federal Deposit Insurance Corporation, as Receiver of CHESTATEE STATE BANK, as attorney in fact for RCRG REAL ESTATE INVESTMENT HOLDINGS, LLC

Robert A. Weber, Jr.

The Weber Firm, LLC

P.O. Box 74

Gainesville, Georgia 30503

(770)287-8886

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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 Van Seeley to The Prime Financial Group, Inc, dated February 26, 2008, recorded in Deed Book 1085, Page 447, Lumpkin County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc. by assignment recorded in Deed Book 1114, Page 621, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-TWO THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOLLARS ($192,850.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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. Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home 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: Wells Fargo Home Mortgage a div. of Wells Fargo Bank, N.A., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472.

To the best knowledge and belief of the undersigned, the party in possession of the property is Van Seeley or a tenant or tenants and said property is more commonly known as 99 Deer Creek Lane, 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.

Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc.

as Attorney in Fact for

Van Seeley

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

HYPERLINK “http://www.foreclosurehotline.net/”www.foreclosurehotline.net

MR/slb3 7/2/13

Our file no. 52639109-FT5

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 395, 12th District, 1st Section, Lumpkin County, Georgia, being described as Tract 3 per plat recorded in Plat Cabinet 1, Slide 124, Page 63A, Lumpkin County records, containing 1.412 acres more or less said plat being incorporated herein by reference thereto. MR/slb3 7/2/13 Our file no. 52639109 - FT5

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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 Teri B. Smith and Luther S. Smith to Mortgage Electronic Registration Systems, Inc., dated July 9, 2003, recorded in Deed Book U31, Page 736, Lumpkin County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment recorded in Deed Book 1237, Page 220, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-THREE THOUSAND SEVEN HUNDRED FIFTY AND 0/100 DOLLARS ($153,750.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in July, 2013, 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. Wells Fargo Bank, 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: Wells Fargo Home Mortgage a div. of Wells Fargo Bank, N.A., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472.

To the best knowledge and belief of the undersigned, the party in possession of the property is Teri B. Smith or a tenant or tenants and said property is more commonly known as 143 Clay Creek Overlook, 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.

Wells Fargo Bank, N.A.

as Attorney in Fact for

Teri B. Smith and Luther S. Smith

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/aw4 7/2/13

Our file no. 51119112-FT7

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 574 of the 12th District of Lumpkin County, Georgia, being shown and described as 1.22 acres, as shown on a Plat of Survey recorded at Plat Book 21, Page 285, Lumpkin County, Georgia records, which plat is incorporated herein by reference for a more complete metes and bounds description of subject property. Also conveyed herewith is a perpetual, non-exclusive easement, 25 feet in wideth for ingress, egress, and installation of utilities along and with the existing roadway known as Clay Creek Overlook, which connects subject property with Clay Creek Falls Road, as shown on the plat described above. This conveyance is made subject to that Private Road Maintenance Agreement and Easement as recorded in Deed Book O-7, pages 256-258, aforesaid records; and Grant of Easement for Water Service as recorded in Deed Book O-7, Page 339, aforesaid records, and a Shared Well Agreement recorded in Deed Book K-9, Pages 343-344, aforesaid records. MR/aw4 7/2/13 Our file no. 51119112 - FT7

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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 BILLY THOMAS SWEATMAN A/K/A BILLY T. SWEATMAN and STACIE CLAYTON to WELLS FARGO HOME MORTGAGE, INC. dated August 27, 2003, filed for record September 8, 2003, and recorded in Deed Book F32, Page 663, LUMPKIN County, Georgia Records, as last transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2 by assignment recorded in Deed Book 1192, Page 197, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated August 27, 2003 in the original principal sum of SEVENTY SEVEN THOUSAND AND 0/100 DOLLARS ($77,000.00), 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 July, 2013, the property described on Exhibit “A” attached hereto and incorporated herein by reference. Said property is more commonly known as: 725 IBERIAN ROAD, DAHLONEGA, GA 30533.

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.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2. holds the duly indorsed Note and is the assignee of the Security Deed to your property. WELLS FARGO BANK, N.A. services your loan on behalf of THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2., the current beneficial owner of your loan. The servicer of this loan is WELLS FARGO BANK, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD, MAC# X7801-013, FORT MILL, SC 29715-7203; (800) 662-5014. 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 BILLY THOMAS SWEATMAN A/K/A BILLY T. SWEATMAN and STACIE CLAYTON.

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR IN INTEREST TO JPMORGAN CHASE BANK, NA AS TRUSTEE FOR BEAR STEARNS ASSET BACKED SECURITIES TRUST 2004-SD2, ASSET-BACKED CERTIFICATES, SERIES 2004-SD2.

As Attorney-in-Fact for

BILLY THOMAS SWEATMAN A/K/A BILLY T. SWEATMAN

STACIE CLAYTON

Phelan Hallinan & Jones, LLC

303 Perimeter Center North, Suite 800

Atlanta, GA 30346

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 13143

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 117 OF THE 11TH DISTRICT, ORIGINALLY HALL NOW LUMPKIN COUNTY, GEORGIA, CONSISTING OF 1.894 ACRES, MORE OR LESS, AND BEING KNOWN AS LOT 81 OF WELLINGTON SUBDIVISION, PHASE FIVE, AS PER PLAT OF SURVEY PREPARED BY DONALD REX JONES, RLS #2398, DATED 06/12/98 AND RECORDED IN CABINET 1, SLIDE 19, PLAT 179, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION

PARCEL ID NUMBER: 098-211

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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 Paul O. Williams and Tonua Thompson-Williams to Ameriquest Mortgage Company, dated August 26, 2005, recorded on September 7, 2005 in Deed Book M36, Page 22, Lumpkin County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to CitiFinancial Mortgage Company, Inc., the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of Ninety-Eight Thousand Sixty-Three and 00/100 DOLLARS ($98,063.00), 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 July 2, 2013 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:

The land referred to in this exhibit is located in the County of Lumpkin, the State of Georgia in Deed Book M-11 at Page 19 and is described as follows: All that tract or parcel of land, together with all improvements thereon, lying and being in Land Lot 122 in the 11th District, originally of Hall and now of Lumpkin, Georgia, consisting of 1.00 Acres, more or less, and being more fully described and delineated according to a plat of survey prepared September 9, 1980 for James Carl and Patty Ann Watson by Jimmy D Bulock, Georgia registered Surveyor #1765, which is recorded in Plat Book 8, Page 59, Lumpkin County records and incorporated by reference herein.

Said property is known as 1869 Long Branch Road, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold as the property of Paul O. Williams and Tonua Thompson-Williams, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Paul O. Williams and Tonua Thompson-Williams 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, CitiFinancial Mortgage Company, Inc., is as follows: CitiMortgage, Inc., as successor by merger with CitiFinancial Mortgage Company, Inc. 1000 Technology Drive, O`Fallon, MO 63304, 1-800-422-1498. 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.

CitiMortgage, Inc. as successor by merger with CitiFinacial Mortgage Company, Inc.

as Attorney in Fact for

Paul O. Williams and Tonua Thompson-Williams

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.

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