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Legals (September 26th edition)
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gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Michael Charles Ridley, 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 31st day of August, 2012.

Christopher Ridley, Executor

43 Castleberry Drive

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

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NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Kathryn Anne Brown Fisher, 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 31st day of August, 2012.

Jimmy Fisher, Executor

379 Bear Den Road

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

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State of Georgia

County of Lumpkin

NOTICE OF FORCLOSURE OF THE RIGHT TO REDEEM

Date: 9/10/2012

This is notice to A. Dale Williams III

Occupant, All The World and anyone holding any right, title, or interest in or lien upon the below listed property

To Whom lt May Concern:

This is Notice that Timothy P. Bishop hereby gives Notice that he intends to Forever Foreclose the right to redeem the following described property, to wit:

Tax Parcel 101-049, Land Lot 123 of the 4th District, Lumpkin County Georgia, Tract B will expire and be forever foreclosed and barred on and after the 3rd day of October, 2012.

The tax deed to which this notice relates is dated the 4th day of October, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book D31 at page 332.

The property may be redeemed at any time before the 3rd day of October, 2012 by payment of the redemption price as fixed and provided by law to the undersigned at the following address:

44 Kelli Ln

Cleveland GA, 30528

Please be governed accordingly.

Timothy P. Bishop

44 Kelli Ln

Cleveland, GA 30528

706-969-5106

OCGA §§ 48-4-40 to 48-4-48

(9/12, 9/19, 9/26, 10/3)

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Petition for Letters

of Administration Notice

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

In re: Estate of Tommy Fouts, Deceased

Estate No. 2012-LA-128

Patricia Lynn Fouts has petitioned to be appointed Administrator of the estate of Tommy Fouts, 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 October 15, 2012. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

Michael A. Chastain

Probate Judge

by Shelley Wilson

Probate Clerk

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(9/19, 9/26, 10/3, 10/10)

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Petition for year’s support

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

IN RE: Estate of Betty Louise Cantrell, Deceased

Estate no. 2012-62

The petition of Bobby G. Cantrell, for a year’s support from the estate of Betty Louise Cantrell, deceased, for decedent’s surviving spouse, having been duly filed, all interested persons are hereby notified to show cause, if any they have, on or before October 15, 2012, 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 on or before the time stated in the preceding sentence. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number tor 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, GA 30533

706-864-3847

(9/19, 9/26, 10/3, 10/10) 205

gpn06

Trade Name Registration

Georgia, Lumpkin County

Notice is hereby given that a trade name registration statement has been filed in this office, verified by affidavit of Cory Thorpe, Owner, 8990 Sourwood Drive, Gainesville, GA 30506, which affidavit states that he is the owner of a business now being carried on at Lumpkin County, Dahlonega, GA, conducting a business of Broker of Wholesale Parts to the Auto Industry, operating under the trade name of Disco of Atlanta.

Witness my official signature and seal of the Superior Court this 12th day of September, 2012.

Rita Harkins

Clerk of Superior Court

(9/19, 9/26)

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Notice of Petition to Change Name

In the Superior Court of Lumpkin County

State of Georgia

Family Division

Petitioner: Betty Evelyn Seabolt

Notice is hereby given that Betty Evelyn Seabolt, the undersigned, filed her petition in the Superior Court of Lumpkin County, Georgia, on the 12th day of September, 2012, praying for change in the name of petitioner from Betty Evelyn Seabolt to Betty Evelyn Oliver.

Notice is hereby given pursuant to law to any interested or affected party to appear in said Court and to file objections to such name change. Objections must be filed with said Court within 30 days of the filing of said petition.

This 12th day of September, 2012,

Betty Evelyn Seabolt, Petitioner

Rita Harkins

Clerk of Superior Court

Lumpkin County, Georgia

(9/19, 9/26, 10/3, 10/10)

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Application for Beer/Wine License

Jeannie Dixon has applied with the Dahlonega City Council for a Beer/Wine License for the Chestatee Garden & Tavern, located at 39 South Chestatee St., Dahlonega, Georgia 30533.

(9/19, 9/26)

gpn12

Notice to Timothy B. Lee

and all the world

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 116-083, in Land Lot 79 of the 1st District, Lumpkin County, Georgia, being lot 40, High Shoals Landing, as shown in Plat Book 29, Page 58, Lumpkin County Records and being located on High Shoals Drive will expire and be forever foreclosed and barred on and after the 24th day of October, 2012.

The tax deed to which this notice relates is dated the 6th day of September, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1195, Page 485. The property may be redeemed at any time before the 24th day of October, 2012, by payment of the redemption price as fixed and provided by law to Kyle D. Diodati and Jon A. Sinkinson at the following address: 6625 Highway 53E, Suite 410-423, Dawsonville, GA 30534.

Please be governed accordingly.

(9/19, 9/26, 10/3, 10/10, 10/17)

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NOTICE TO A. DALE WILLIAMS, III, UNITED COMMUNITY BANK, AND ALL THE WORLD

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 101-050, in Land Lot 123 of the 4th District, Lumpkin County, Georgia, being 1.05 acres, more or less, designated as Tract “A” as shown in Plat Cabinet one, Slide 83, Page 53A, Lumpkin County Records will expire and be forever foreclosed and barred on and after the 24th day of October, 2012.

The tax deed to which this notice relates is dated the 6th day of September, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1195, Page 484. The property may be redeemed at any time before the 24th day of October, 2012, by payment of the redemption price as fixed and provided by law to Kyle Daniel Diodati and Jon A. Sinkinson at the following address: 6625 Highway 53E, Suite 410-423, Dawsonville, GA 30534.

Please be governed accordingly.

(9/19, 9/26, 10/3, 10/10, 10/17)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

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

This 14th day of September, 2012.

Martha Elaine Moore, as Executrix of the Estate of Nora Corbin Gold, deceased

1797 Turners Corner Road

Cleveland, GA 30528

(9/19, 9/26, 10/3, 10/10)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Shirley M, Klink, 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 14th day of September, 2012.

John W. Klink, Executor of the Estate of Shirley M. Klink

Kelso C. Horne, Jr.

Horne & Horne, PC

Post Office Box 37

Dahlonega, Georgia 30533

(9/26, 10/3, 10/10, 10/17)

gpn06

NOTICE OF INTENT TO INCORPORATE

Notice is given that articles of incorporation which will incorporate Tim Voci Mechanical Installation Services, Inc. will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 81 Crown Mountain Place, Suite C-100, Dahlonega, Georgia 30533 and its initial registered agent(s) at such address is J. Douglas Parks.

(9/26, 10/3)

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Request for variance to the setback requirement of Lumpkin County

David Womack is requesting a variance to reduce the side and front setbacks to construct a recreational structure at 369 Emerald Ridge This request will be heard by the Lumpkin County Planning Commission on October 8th, 2012 at 6:00 pm at the Lumpkin County Administration Building located at 99 Courthouse Hill. Please enter building through the back door.

(9/26, 10/3)

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Request for variance to the setback requirement of Lumpkin County

Carol Wilkerson is requesting a variance to reduce the side setback to construct an addition located at 377 Edwards Parkway. This request will be heard by the Lumpkin County Planning Commission on October 8th, 2012 at 6:00 pm at the Lumpkin County Administration Building located at 99 Courthouse Hill. Please enter building through the back door.

(9/26, 10/3, 10/10, 10/17)

gpn15

In the Superior Court

Of Lumpkin County

State of Georgia

IN RE: KYLE JOSEPH HAMMONS

MINOR CHILD

CIVIL ACTION FILE NO:

12-CV-630-SG

Notice of Petition to Change Name

Georgia, Lumpkin County

Notice is hereby given that PRESTON L. TRITT AND LINDA D. TRITT, the undersigned, filed a petition in the Superior Court of Lumpkin County, Geogia, on the 19th day of September, 2012, praying for a change in the name of the minor child from KYLE JOSEPH HAMMONS TO KYLE BRODY TRITT.

Notice is hereby given pursuant to law any interested or affected party to appear in said Court and to file objections to said name change. Objections must be filed with said Court within 30 days of filing said petition.

This 19th day of September, 2012.

Russell L. Adkins, Jr.,

Petitioner/Attorney

Rita Harkins

Clerk of Superior Court

Lumpkin County, Georgia

(9/19, 9/26, 10/3, 10/10)

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Notice of Sale under Power

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Thomas Johnson and Phyllis Johnson to Mortgage Electronic Registration Systems, Inc., as nominee for American Mortgage Network, Inc., A Delaware Corporation dated 4/15/2008 and recorded in Deed Book 1091 Page 365, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 168,490.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012 (November 6, 2012), the following described property:

All that tract or parcel of land lying and being in Land Lot 99, lst District, Lumpkin County, Georgia, containing 1.02 acres, and being shown as Tract “A” on a plat of survey for Jerry Dean Ayers, dated October 8, 1997 by Frederick F. Kaufman, Georgia Registered Land Surveyor #1774, 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 109, 100, 99 and 110, thence South 01 degrees 08 minutes 31 seconds West a distance of 833.22 feet to a 1/2” rebar; thence South 01 degrees 08 minutes 31 seconds West a distance of 200.62 feet to a 1/2” rebar located on the northerly side of the right of way of Norman Bell Road (80 foot right of way); thence South 68 degrees 06 minutes 28 seconds East a distance of 43.33 feet to a point; which point is the True Point of Beginning; from the True Point of Beginning thus established, proceed North 19 degrees 12 minutes 01 seconds West a distance of 59.03 feet to a point; thence North 01 degrees 08 minutes 31 seconds East a distance of 157.71 feet to a point; thence South 80 degrees 33 minutes 49 seconds East a distance of 229.79 feet to a 1/2” rebar; thence South 11 degrees 41 minutes 57 seconds West a distance of 218.77 feet to a point located on the northerly side of the 80 foot right of way of Norman Bell Road; thence North 80 degrees 21 minutes 45 seconds West a distance of 88.33 to a point; thence North 73 degrees 18 minutes 06 seconds West a distance of 82.44 feet to a point; which is the True Point of Beginning.

Also, conveyed herewith is an easement for ingress and egress to subject property from Norman Bell Road across Tract “B” which easement is more particularly shown on said plat of survey, a copy of which is attached hereto as Exhibit “B” and made a part hereof by reference.

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

Said property is commonly known as 311 Norman Bell Road, Murryville, Georgia 30564 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Thomas Johnson and Phyllis Johnson or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

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

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

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

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

Wells Fargo Bank, NA as agent and Attorney in Fact for Thomas Johnson and Phyllis Johnson

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667488934

(9/26, 10.3, 10/10, 10/17, 10/24, 10/31)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Nicky B. Anderson and Kathy S. Anderson to CitiFinancial Services, Inc., dated January 24, 2002, recorded in Deed Book T28, Page 168, Lumpkin County, Georgia Records, last assigned to CitiFinancial Services, Inc., conveying the after-described property to secure a Note in the original principal amount of One Hundred Twenty Thousand Nine Hundred Twenty-Two and 74/100 DOLLARS ($120,922.74), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CitiFinancial North America, Attention: Foreclosure Department, 1111 Northpoint, Suite 100 Bldg 4, Coppell, TX 75019 AND 877-675-3656. Please understand that the secured creditor is not required by law 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, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Nicky B. Anderson and Kathy S. Anderson or a tenant or tenants and said property is more commonly known as 648 Marlie Seabolt Road, Dahlonega, GA 30533.CitiFinancial Services, Inc.as Attorney in Fact forNicky B. Anderson and Kathy S. Anderson

Morris|Hardwick|Schneider, LLC1301 Hightower Trail, Suite 305 Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000167-10THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.EXHIBIT “A”

ALL THAT TRACT OF LAND LYING AND BEING IN LAND LOT 286 OF THE 15TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING 9.651 ACRES AS SHOWN ON PLAT OF SURVEY PREPARED BY FARLEY COLLINS AND ASSOCIATES, DATED DECEMBER 3, 1996, AND RECORDED IN PLAT BOOK 30, PAGE 149, LUMPKIN COUNTY, GEORGIA RECORDS, AND BEING DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER (CORNER BEING APPARENT AND AGREED ON BY GRIZZLE AND ANDERSON) OF LAND LOT 286 AND RUN THENCE ALONG LAND OF DENNIS J. GRIZZLE, SAID LINE BEING THE SOUTHERLY LINE OF LAND LOT 286, N 83-58-53 W, 733.50 FEET TO A POINT; RUN THENCE AN AGREED LINE BETWEEN AND AGREED ON BY GEORGE CAIN AND ANDERSON, N 07-46-21 E 663.95 FEET TO A POINT IN THE CENTER OF A GRADED DRIVE AT LANDS OF SEABOLT; RUN THENCE ALONG CENTER OF SAID GRADED DRIVE AND LAND OF SEABOLT, S 44-43-46 E, 171.67 FEET TO A POINT; S 45-27-28 E 104.34 FEET TO A POINT; THENCE LEAVING SAID DRIVE AND CONTINUING ALONG SEABOLT LAND, N 66-39-26 E, 236.13 FEET TO A POINT, N 88-46-41 E 277.59 FEET TO A POINT ON THE EASTERLY LINE OF LAND LOT 286, RUN THENCE ALONG SAID LAND LOT LINE AND LAND OF STANCIL S 04-27-36 W, 641.03 FEET TO THE SOUTHEAST CORNER OF LAND LOT 286 THE POINT OF BEGINNING.

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

(9/5, 9/12, 9/19, 9/26)

gpn11

Notice of Sale under Power

STATE OF GEORGIA

COUNTY OF LUMPKIN

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Jerry Arden and Debra Arden to Mortgage Electronic Registration Systems, Inc. dated April 9, 2003, and recorded in Deed Book E 31, Page 662, 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 $57,500.00, 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, October 2, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract or parcel of land lying and being in Land Lot 117 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.369 acres, more or less, together with all improvements located thereon, and being more particularly set out as Lot 8 of the Wellington Subdivision, Phase One, on a plat of survey dated April 26, 1994, prepared by Donald Rex Jones, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 28, Page 141, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Together with that certain 1995 Clydesdale Single Wide Housing Unit which was formerly personalty but is now permanently annexed and affixed to the above described land as a permanent improvement, and all rights thereunto appertaining.

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

Said property is known as 295 Royal Court, 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 sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.

The property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Jerry Arden and Debra Arden or a tenant or tenants. The proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Wells Fargo Bank, NA as Attorney-in-Fact for Jerry Arden and Debra Arden

File no. 12-034286

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/MD

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.

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Hugo E. Barrios to Mortgage Electronic Registration Systems, Inc, dated March 31, 2005, recorded in Deed Book N35, Page 116, Lumpkin County, Georgia Records, last assigned to The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the holders of the Certificates, First Horizon Mortgage Pass-Through Certificates Series FHAMS 2005-AA6, by First Horizon Home Loans, a division of First Tennessee Bank National Association, Master Servicer, in its capacity as agent for the Trustee under the Pooling and Servicing Agreement, conveying the after-described property to secure a Note in the original principal amount of One Hundred Ninety-Six Thousand and 00/100 DOLLARS ($196,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Nationstar Mortgage, LLC, 350 Highland Drive, Lewisville, TX 75067 AND 972-956-6203. Please understand that the secured creditor is not required by law 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, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The 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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Hugo E. Barrios or a tenant or tenants and said property is more commonly known as 286 Miller Calhoun Road, Dahlonega, GA 30533.

The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the holders of the Certificates, First Horizon Mortgage Pass-Through Certificates Series FHAMS 2005-AA6, by First Horizon Home Loans, a division of First Tennessee Bank National Association, Master Servicer, in its capacity as agent for the Trustee under the Pooling and Servicing Agreement

as Attorney in Fact for

Hugo E. Barrios

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000506-12

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

ALL THAT TRACT OR PARCEL OF LAND LYING AND BENG IN LAND LOT 1073 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 2.00 ACRES, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE PARTICULARY SET OUT ON A PLAT OF SURVEY DATED JANUARY 22, 1992, PREPARED FOR ROBERT J. AND JENNIFER R. GARTRELL AND DECATUR FEDERAL SAVINGS AND LOAN ASSOCIATION BY ALBERT M. WYNN, GEORGIA REGISTERED SURVEYOR. THIS PLAT IS RECORDED IN PLAT BOOK 24, PAGE 32, LUMPKIN COUNTY RECORDS AND IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION.

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

(9/5, 9/12, 9/19, 9/26)

gpn11

Notice of Sale under Power

State of Georgia,

County of LUMPKIN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JAMES ADAM BROWN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR FRANKLIN BANK, SSB , dated 10/21/2005, and Recorded on 10/28/2005 as Book No. T36 and Page No. 356-362, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING LP: (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $73,841.00, 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 October, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 75 OF THE 11TH DISTRICT, FIRST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 2, CONTAINING 1.59 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY MADE FOR JAMIE GIBSON PREPARED BY TOMMY J. PHILLIPS, RLS, AS RECORDED IN PLAT CABINET 1, SLIDE 47, PAGE 135, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF FOR A MORE ACCURATE AND COMPLETE DESCRIPTION OF SAID PROPERTY.

ALSO CONVEYED HEREWITH IS A 1999 DYNASTY SMH3 27 X 56 MANUFACTURED HOME, SERIAL NUMBER (S) H813525GL&R, WHICH IS PERMANENTLY ATTACHED TO AND MADE A PART OF THE REAL PROPERTY HEREIN DESCRIBED. SEE IN THIS REFARD DEED BOOK W33, PAGE 475 OF THE LUMPKIN COUNTY, GEORGIA DEED RECORDS.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. 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).

BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING LP holds the duly endorsed Note and is the current assignee of the Security Deed to your property. BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, acting on behalf of and, as necessary, in consultation with BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING LP (the current investor on your loan), is the entity with the full authority to negotiate, amend, and modify all terms of your loan. Pursuant to O.C.G.A. § 44-14-162.2, you may contact Bank of America, N.A. at: Bank of America, N.A., Home Loan Assistance Dept, 7105 Corporate Drive, Plano, TX 75024, 1-800-669-6650. Please note that, pursuant to O.C.G.A. § 44-14-162.2, you are not entitled by law to an amendment or modification of the terms of your loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 198 NORRIS ROAD, DAHLONEGA, GEORGIA 30533 is/are: JAMES ADAM BROWN 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.

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

JAMES ADAM BROWN.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20100031413136

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

STATE OF GEORGIA

COUNTY OF LUMPKIN

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Michael R. Denier to Regions Bank dba Regions Mortgage dated July 14, 2005, and recorded in Deed Book E 36, Page 474, Lumpkin County Records, securing a Note in the original principal amount of $97,600.00, 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, October 2, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 919 OF THE 12TH DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONTAINING 1.79 ACRES, MORE OR LESS, AS PER A PLAT OF SURVEY PREPARED FOR STEVE GALLANT, BY MICHAEL L. SCUPIN AND ASSOCIATES, GEORGIA REGISTERED SURVEYOR, DATED OCTOBER 8, 1985, RECORDED IN PLAT BOOK 14, PAGE 205, LUMPKIN COUNTY RECORDS. SAID PLAT OF SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A MORE PARTICULAR DESCRIPTION OF THE ABOVE PROPERTY.

BEING THE SAME PROPERTY CONVEYED TO MICHAEL R. DENIER BY DEED FROM STEVE GALLANT RECORDED 03/10/1989 IN DEED BOOK C8 PAGE 132, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF LUMPKIN COUNTY, GEORGIA.

Said property is known as 2762 Highway 19 N, 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 sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.

The property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Michael R. Denier or a tenant or tenants. The proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Regions Bank dba Regions Mortgage as Attorney-in-Fact for Michael R. Denier

File no. 12-029322

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/CK

www.swertfeger.net

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

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

State of Georgia

County of Lumpkin

By virtue of the power of sale contained in that certain Georgia Security Deed and Security Agreement from Bruce L. Dibble and Kim C. Dibble to Branch Banking and Trust Company dated May 10, 2006, and recorded in Deed Book X37, Page 359, Lumpkin County, Georgia Records, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, October 2, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, and 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 the following person has full authority to negotiate, amend, and modify all terms of the mortgage and can be contacted as follows:

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 Bruce L. Dibble and Kim C. Dibble or a tenant or tenants, and said property is 158 Black Falls Road, Dahlonega, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please be advised that, if the property contains multiple lots or parcels, the undersigned reserves the right to sell the properties separately or together.

Branch Banking and Trust Company

Attorneys in Fact for Bruce L. Dibble and Kim C. Dibble

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

300 Century Springs West

6000 Lake Forrest Drive, N.W.

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

Tract One: All that tract or parcel of land lying and being in Land Lot 1156 on the 11th District, 1st Section of Lumpkin County, Georgia, consisting of 10.000 acres, more or less, and being more fully described and delineated as Tract I according to a plat of survey prepared April 24, 1989, revised September 28, 1999, by Donald Williams, Georgia Registered Surveyor, which is recorded in Plat Cabinet One, Slide 105, Plat 92, Lumpkin County Records, and which is incorporated by reference herein. This portion of the property which was conveyed to Bruce L. Dibble and Kim C. Dibble under a Warranty Deed from Sarah A. Gaffney dated February 13, 1998, which is recorded in Deed Book G-19, Pages 76-77, Lumpkin County Records, and which is incorporated by reference herein. Also conveyed are those easement rights conveyed under said deed, and also under a separate Grant of Easement which is recorded in Deed Book G-24, Page 43-44, Lumpkin County Records, and which is incorporated be reference herein.

Tract Two: All that tract or parcel of land lying and being in Land Lot 1156 on the 11th District, 1st Section of Lumpkin County, Georgia, consisting of 10.663 acres, more or less, and being more fully described and delineated as Tract II according to a plat of survey prepared April 24, 1989, revised September 28, 1999, by Donald Williams, Georgia Registered Surveyor, which is recorded in Plat Cabinet One, Slide 105, Plat 92, Lumpkin County Records, and which is incorporated by reference herein. This portion of the property which was conveyed to Bruce L. Dibble and Kim C. Dibble under a Warranty Deed from Sarah A. Gaffney dated February 13, 1998, which is recorded in Deed Book G-19, Pages 76-77, Lumpkin County Records, and which is incorporated by reference herein. Also conveyed are those easement rights conveyed under said deed, and also under a separate Grant of Easement which is recorded in Deed Book G-24, Page 43-44, Lumpkin County Records, and which is incorporated be reference herein.

Both Tracts also described as follows:

All that tract or parcel of land lying and being in Land Lot 1156, 11th District, 1st Section, Lumpkin County, Georgia and being more fully described by a plat prepared by Donald Williams, Georgia Registered Land Surveyor, dated April 24, 1989 and as per said plat, the property contains 20.663 acres, more or less, the subject plat being of record in Plat Book 18, page 186, Lumpkin County Records. Said plat is hereby incorporated by reference.

Also conveyed herein to the Grantees, their heirs, successors and assigns is a non-exclusive perpetual easement for ingress and egress along the existing roadway which forms the eastern boundary of the property, said easement leading in a northerly direction to the property of the United States Forest Service and ultimately to the Camp Wahsega Road.

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Matthew Allen Dix to HomeBanc Mortgage Corporation dated 1/31/2006 and recorded in Deed Book G-37 Page 596, LUMPKIN County, Georgia records; as last transferred to Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, conveying the after-described property to secure a Note in the original principal amount of $ 66,500.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012 (October 02, 2012), the following described property:

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 1.282 acres, more or less, and being more fully described as Lot #95 on a plat of survey of the Wellington Subdivision, Phase Five, dated May 12, 1998, recorded in Plat Cabinet 1, Slide 19, Plat 179, Lumpkin County records; said plat being incorporated herein by reference for a more complete description of the property.

Said to that certain Declaration of Protective Covenants for Wellington Subdivision recorded in Deed Book Q-20, Page 78, Lumpkin County records.

Together with a 2003 Southern AK673, 28 X 52 manufactured home, Serial Number DSD4AL38385A&B which is attached to and made a part of the real property.

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

Said property is commonly known as 97 Essex Drive, Dahlonega, GA 30533 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Matthew Allen Dix or tenant or tenants.

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

Bank of America

Home Loan Assistance Dept.

7105 Corporate Drive

Plano, TX 75024

(800) 846-2222

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

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

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

Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP as agent and Attorney in Fact for Matthew Allen Dix

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-651934

(9/5, 9/12, 9/19, 9/26)

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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 Cyndi N. Durham and Richard A. Durham to Homeside Lending, Inc. dated February 28, 2002 in the amount of $91,000.00, and recorded in Deed Book Z-28, Page 97, 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 618 of the 12th District and 1st Section of Lumpkin County, Georgia, containing 1.51 acres as shown on a plat of survey recorded in Plat Book 18, Page 42, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference.

which has the property address of 184 Valley Brook Ln, 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 Cyndi N. Durham and Richard A. Durham 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

Cyndi N. Durham and Richard A. Durham

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 09-22154 /FNMA/kjenrette

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.

(9/5, 9/12, 9/19, 9/26)

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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 Richard A. Durham to Mortgage Electronic Registration Systems, Inc. as nominee for GMAC Mortgage Corporation, its successors and assigns dated February 15, 2002 in the amount of $87,750.00, and recorded in Deed Book A29, Page 69, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that parcel of land in Lumpkin County, State of Georgia, being known and designated as being in Land Lot 985 of the 12th District of the 1st Section of Lumpkin County, Georgia, containing 0.213 acres, more or less, depicted as Tract A, on a plat of survey prepared by Michael Stewart Kelley, R. L. S., of Precision Land Services, stated April 22, 1998, and recorded in Plat Cabinet 1, Slide 18, Page 150B, Lumpkin County, Georgia Records; said plat being incorporated herein by reference for a more particular description.

which has the property address of 224 Arcadia Street, 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 Richard A. Durham and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC

Attorney in Fact for

Richard A. Durham

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 07-06287 /FNMA/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.

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of a Power of Sale contained in that certain Deed to Secure Debt from RICHARD A. DURHAM AND CYNDI N. DURHAM, to SUNTRUST BANK, as successor by merger with Lumpkin County Bank, dated April 13, 2001, filed April 27, 2001, and recorded in Deed Book J27, Page 675, Lumpkin County, Georgia Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated May 20, 2005, filed June 2, 2005, and recorded in Deed Book V35, Page 564, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated November 27, 2006, filed December 11, 2006, and recorded in Deed Book 1017, Page 645, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated July 1, 2007, filed July 18, 2007, and recorded in Deed Book 1053, Page 508, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated December 23, 2009, filed January 15, 2010, and recorded in Deed Book 1151, Page 145, aforesaid Public Deed Records (collectively the “Security Deed”), having been given to secure a Note in the principal amount of Seventy Six Thousand Three Hundred Eighty One AND 50/100 U.S. DOLLARS ($76,381.50), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours for sale on the first Tuesday in October, 2012, the property described in said Security Deed as follows:

All that tract or parcel of land, together with improvements thereon, lying and being in Land Lot 169, 12th District, Lumpkin County, Georgia, being 1.21 acres, more or less, being shown and delineated as Lot 1, according to a plat of survey prepared for James and Rebecca Haas by Jick A. Page, Georgia Registered Land Surveyor, dated September 28, 1994, recorded in Plat Book 27, Page 88, Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of the subject property.

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

Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the parties in possession of the property are Richard A. Durham and Cyndi N. Durham, or tenant(s) thereof.

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

SunTrust Bank, as Attorney-in-Fact for Richard A. Durham and Cyndi N. Durham

Friese Legal, LLC, Attorney for SunTrust Bank

ATTN: Stephanie Friese Aron

1100 Spring Street, NW, Suite 730

Atlanta, Georgia 30309

(404) 876-4880

FRIESE LEGAL, LLC IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of a Power of Sale contained in that certain Deed to Secure Debt from RICHARD A. DURHAM AND CYNDI N. DURHAM, to SUNTRUST BANK, as successor by merger with Lumpkin County Bank, dated March 24, 2003, filed April 2, 2003, and recorded in Deed Book C31, Page 401, Lumpkin County, Georgia Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated May 20, 2005, filed June 2, 2005, and recorded in Deed Book V35, Page 580, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated November 27, 2006, filed December 11, 2006, and recorded in Deed Book 1017, Page 649, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated July 1, 2007, filed July 18, 2007, and recorded in Deed Book 1053, Page 512, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated December 23, 2009, filed January 15, 2010, and recorded in Deed Book 1151, Page 137, aforesaid Public Deed Records (collectively the “Security Deed”), having been given to secure a Note in the principal amount of Eighty One Thousand Five Hundred Thirty Three AND 00/100 U.S. DOLLARS ($81,533.00), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours for sale on the first Tuesday in October, 2012, the property described in said Security Deed as follows:

All that tract or parcel of land lying and being in Land Lot 1022, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Michael Stewart Kelley, Georgia Registered Land Surveyor, dated February 19, 1998, Revised February 23, 1998, and as per said plat, the property contains 0.563 acre, more or less, the subject plat being of record in Plat Cabinet One, Slide 18, Page 153B, Lumpkin County Records. Said plat is hereby incorporated by reference.

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

Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the parties in possession of the property are Richard Durham and Cyndi Durham, or tenant(s) thereof.

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

SunTrust Bank, as Attorney-in-Fact for Richard A. Durham and Cyndi N. Durham

Friese Legal, LLC, Attorney for SunTrust Bank

ATTN: Stephanie Friese Aron

1100 Spring Street, NW, Suite 730

Atlanta, Georgia 30309

(404) 876-4880

FRIESE LEGAL, LLC IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of a Power of Sale contained in that certain Deed to Secure Debt from RICHARD A. DURHAM AND CYNDI N. DURHAM, to SUNTRUST BANK, as successor by merger with Lumpkin County Bank, dated November 30, 1999, filed December 10, 1999, and recorded in Deed Book G24, Page 144, Lumpkin County, Georgia Public Deed Records, as amended by that certain Loan Modification Agreement dated April 13, 2000, filed August 3, 2000, and recorded in Deed Book W25, Page 256, aforesaid Public Deed Records, as amended by that certain Loan Modification Agreement dated October 1, 2001, filed November 16, 2001, and recorded in Deed Book I28, Page 521, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated February 9, 2005, filed March 4, 2005, and recorded in Deed Book H35, Page 462, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated May 20, 2005, filed June 2, 2005, and recorded in Deed Book V35, Page 584, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated November 27, 2006, filed December 11, 2006, and recorded in Deed Book 1017, Page 641, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated July 1, 2007, filed July 18, 2007, and recorded in Deed Book 1053, Page 510, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated December 23, 2009, filed January 15, 2010, and recorded in Deed Book 1151, Page 141, aforesaid Public Deed Records (collectively the “Security Deed”), having been given to secure a Note in the principal amount of Two Hundred Fifty Seven Thousand Two Hundred Thirty Four AND 20/100 U.S. DOLLARS ($257,234.20), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours for sale on the first Tuesday in October, 2012, the property described in said Security Deed as follows:

All that tract or parcel of land lying and being in Land Lot 1059 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 8.780 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated July 6, 1984, prepared for John W. Crisson by Michael L. Scupin, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 14, Page 11, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed is a perpetual, non-exclusive easement for ingress, egress and other legal purposes, along and with an existing graded drive running from the westerly right of way of Wimpy Mill Road to the southern East-West line of Land Lot 1059, then west along the said Southern East-West line to the southeast corner of the property set out above. Such access shall be thirty feet in width and shall be fifteen feet either side of the center line from Wimpy Mill Road to the point where the southern boundary of the easement right of way reaches the Southern East-West line, and shall be thirty feet lying adjacent to and North of the Southern East-West line until reaching said southeast corner.

This property is conveyed subject to all easements for roads and utilities in use or of record including, but not limited to, a Right of Way Easement in favor of Amicalola EMC dated May 7, 1990, which is recorded in Deed Book C-9, Page 208, Lumpkin County Records.

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

Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the parties in possession of the property are Richard A. Durham and Cyndi N. Durham, or tenant(s) thereof.

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

SunTrust Bank, as Attorney-in-Fact for Richard A. Durham and Cyndi N. Durham

Friese Legal, LLC, Attorney for SunTrust Bank

ATTN: Stephanie Friese Aron

1100 Spring Street, NW, Suite 730

Atlanta, Georgia 30309

(404) 876-4880

FRIESE LEGAL, LLC IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Steven J Ewing and Cindy L Ewing to Mortgage Electronic Registration Systems, Inc., dated August 10, 2006, recorded in Deed Book 1001, Page 94, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1197, Page 692, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY-NINE THOUSAND FOUR HUNDRED SEVENTY AND 0/100 DOLLARS ($99,470.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

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. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Steven J Ewing and Cindy L Ewing or a tenant or tenants and said property is more commonly known as 292 Emeley Drive, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP

as Attorney in Fact for

Steven J Ewing and Cindy L Ewing

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/ 10/2/12

Our file no. 5592912-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in land Lot 287 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 1.002 acres, more or less, and being more fully described and delineated on a Plat of Survey prepared for Kevin Marshall by GeoImage, LLC, Georgia Registered Land Surveyor, dated September 8, 2004, recorded in Plat Cabinet 1, Slide 105, Plat 98-A, Lumpkin County, Georgia Plat Records, which plat is incorporated herein by reference for a more complete and accurate description of the property conveyed. Together with an immovable and permanent fixture attached thereto, a 2006 Fleetwood 24 x 48 Manufactured Home, Model 3483C, Serial Number(s) GAFL535AB90706-EX11 Map and Parcel No.: 030-081 MR/ 10/2/12 Our file no. 5592912 - FT11

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Deed to Secure Debt by DIANE FARMER and RALPH FARMER to CitiFinancial Services, Inc., dated May 18, 2001 and filed for record May 31, 2001 in Deed Book N27, Page 733, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $26,131.46; last transferred to Citifinancial, Inc., a Maryland corporation by Assignment, filed for record in Deed Book 1220, Page 781, Lumpkin County, Georgia records, 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 October, 2012, by CitiFinancial, Inc. a Maryland Corporation as Attorney-in-Fact for DIANE FARMER and RALPH FARMER the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 666 of the 12th District and 1st Section of Lumpkin County, Georgia consisting of 1.13 acres, more or less, and being more fully described and delineated as per plat of survey dated April 24, 1984, prepared by David Sealle Surveyors, LTD. Which is recorded in Plat Book 14, Page 08, Lumpkin County Records and incorporated herein. Being the same property conveyed to Ralph Farmer by Fee Simple deed from Diane Farmer as set forth in Deed Book L-12, Page 246 dated 08/24/1993 and recorded 08/31/1993, Lumpkin County Records, State of Georgia.

The above described property is also known as 4798 AURARIA ROAD, DAWSONVILLE, GA 30534.

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

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

CitiFinancial, Inc. a Maryland Corporation

as Attorney-in-Fact for

DIANE FARMER and RALPH FARMER

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Joe H. Frady to Mortgage Electronic Registration Systems, Inc. as nominee for Branch Banking and Trust Company, its successors and assigns dated November 26, 2007 in the amount of $280,000.00, and recorded in Deed Book 1074, Page 1, Lumpkin County, Georgia Records; as last transferred to Branch Banking and Trust Company by assignment; the undersigned, Branch Banking and Trust Company 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 94, 1st District, originally Habersham, now Lumpkin County, Georgia and being fully described by a plat prepared by Frederick Kauffman, Georgia Registered Land Surveyor, dated December 14, 1998: and as per said plat, the property contains 4.19 acres, more or less, the subject plat being of record in Plat Cabinet One, Slide 24, Page 71A, Lumpkin County Records. Said plat is hereby incorporated by reference. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to any easements of records or easements located on the property above described.

which has the property address of 97 Grindle Brothers Road, Murrayville, 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 Joe H. Frady 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.

Branch Banking and Trust Company Attorney in Fact for

Joe H. Frady

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 12-05937 /FHLMC/mtucker

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by MICHAEL C GILSTRAP SR AND DEBORAH L GILSTRAP to FIRST HORIZON HOME LOAN CORPORATION , dated 11/21/2002, and Recorded on 12/23/2002 as Book No. N30 and Page No. 395-411, LUMPKIN County, Georgia records, as last assigned to METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $205,250.00, 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 October, 2012, the following described property: ALL THAT PARCEL OF LAND IN LUMPKIN COUNTY, STATE OF GA AS MORE FULLY DESCRIBED IN DEED BOOK T22 PAGE 108 AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 640 AND 691 IN THE 12TH DISTRICT, 1ST SECTION, OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 2.00 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED ACCORDING TO A PLAT OF SURVEY PREPARED MARCH 31, 1999, BY MICHAEL S. KELLEY, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT CABINET ONE, SLIDE 30, PLAT 189B LUMPKIN COUNTY RECORDS. ALSO CONVEYED TO THE GRANTEES, THEIR HEIRS, SUCCESSORS AND ASSIGNS, IS A NON-EXCLUSIVE, PERPETUAL EASEMENT FOR INGRESS, EGRESS AND THE INSTALLATION OF ALL NECESSARY UTILITIES 20 FEET IN WIDTH ALONG THE EXISTING GRAVEL DRIVEWAY WHICH LEADS THROUGH OTHER PROPERTY OF THE GRANTORS TO WASH RIDER ROAD ALONG THE ROUTE DEPICTED ON OF EITHER OF THEM, THEN TO THE SURVIVOR OF THEM

CONTINUATION OF SCHEDULE A, NO. 4:

APN PARCEL 087 MAP 043

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: MET LIFE HOME LOANS, A DIVISION OF METLIFE BANK NA, 1555 W. Walnut Hill Lane, Foreclosure Suite 200, IRVING, TX 75038, 214-441-4000. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA holds the note and security deed to your property and services your loan on behalf of Federal National Mortgage Association (FNMA), the current owner of your loan. METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA is the secured creditor of your loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 778 WASH RIDER STREET, DAHLONEGA, GEORGIA 30533 is/are: MICHAEL C GILSTRAP SR AND DEBORAH L GILSTRAP 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.

METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA

as Attorney in Fact for

MICHAEL C GILSTRAP SR AND DEBORAH L GILSTRAP.

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

20120034600069

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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

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

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

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

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

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

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

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

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

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

Taylor English Duma LLP

1600 Parkwood Circle, Suite 400

Atlanta, Georgia 30339

Attn: Paul G. Durdaller, Esq.

(678) 336-7174

EXHIBIT “A”

Tract 1:

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

Tract 2:

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in that certain Deed to Secure Debt (hereinafter the “Security Deed”) from Hidden Lake Academy, Inc. to Morris Law Firm (a Limited Liability Company) (“Lender”), dated October 26, 2007, recorded at Deed Book 1069, Page 744, Lumpkin County, Georgia records, as corrected at Deed Book 1121, Page 224 aforesaid records; said Security Deed being given to secure indebtedness under that certain Secured Promissory Note (hereinafter the “Note”) from Hidden Lake Academy, Inc. to Lender, dated October 26, 2007, in the original principal amount of TWO HUNDRED FIFTY THOUSAND AND NO/100 DOLLARS ($250,000.00), with interest on the unpaid balance from the date thereof until maturity or until paid, together with all other amounts payable with respect thereto; there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Dahlonega, Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the property being more fully described as follows:

All that tract or parcel of land lying and being in Land Lot 944, 11th Land District, 1st Section, Lumpkin County, Georgia, and being 3.99 acres as shown on that certain survey entitled “Plat of Survey for Leonard A. Buccellato” prepared by Michael Stewart Kelley, Georgia Registered Land Surveyor (R.L.S. #2313), and being more particularly described as follows:

TO FIND THE POINT OF BEGINNING, begin at a one inch square pipe, being 1121.06 feet East of the northwest corner of Land Lot 944 and on the Land Lot line between Land Lot 944 and Land Lot 929, and being the POINT OF BEGINNING; thence South 21° 31’ 53” West 121.26 feet to a one-half inch rebar found; thence South 09° 22’ 46” West 165.57 feet to a one-half inch rebar found; thence South 24° 57’ 03” West 130.51 feet; thence South 28° 36’ 05” West 80.69 feet; thence South 11° 10’ 19” East 34.82 feet; thence South 03° 40’ 13” East 41.27 feet; thence South 43° 56’ 37” West 62.23 feet; thence South 62° 35’ 21” West 51.50 feet; thence South 73° 47’ 57” West 56.12 feet; thence South 46° 48’ 13” West 59.14 feet; thence South 58° 04’ 13” West 75.33 feet; thence North 55° 18’ 02” West 159.88 feet; thence North 34° 34’ 32” East 279.26 feet to a one-half inch rebar found; thence North 21° 43’ 42” East 352.94 feet to a one-half inch rebar found; thence North 40° 47’ 51” East 99.21 feet to a one-half inch rebar found on the northern line of Land Lot 944; thence South 84° 09’ 10” East 184.06 feet to a one inch square pipe being the POINT OF BEGINNING.

The debt secured by said Note and Security Deed has been and is hereby declared due and payable in full because of, among other possible events of default, non payment of principal and interest owed in accordance with the terms of the Note and the Security Deed. The indebtedness remaining in default, this sale will be made for purposes of paying the same and all expenses of this sale, including attorney’s fees.

To the best knowledge and belief of the undersigned, the subject property is in the possession of Hidden Lake Academy, Inc. or parties claiming by, through or under Hidden Lake Academy, Inc.

Said property will be sold as the property of Hidden Lake Academy, Inc. on an “as is, where is” basis, without recourse and without representation or warranty, express or implied, of any nature whatsoever with respect thereto and will be sold subject to all unpaid taxes, assessments, and any superior items of record, as well as any matters as would be revealed by an accurate survey and inspection of the subject property.

Morris Law Firm (a Limited Liability Company),

As Attorney in Fact for Hidden Lake Academy, Inc.

c/o Stephanie B. Skidmore, Esq.

Hartman Simons & Wood LLP

6400 Powers Ferry Road, N.W.

Suite 400

Atlanta, Georgia 30339

(770) 955-3555

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Deed to Secure Debt by Richard Ivy and Sylvia H. Ivy to Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for GreenPoint Mortgage Funding, Inc., dated April 24, 2002 and filed for record May 20, 2002 in Deed Book I29, Page 293, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $255,000.00; last transferred to Capital One, N.A. by Assignment, filed for record in Deed Book 1211, Page 6, Lumpkin County, Georgia records, 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 October, 2012, by Capital One, N.A. as Attorney-in-Fact for Richard Ivy and Sylvia H. Ivy the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 724 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING A 10.0 ACRE TRACT AS SHOWN ON PLAT OF SURVEY PREPARED FOR RICHARD IVY AND SYLVIA H. IVY BY APPALACHIAN SURVEY CO., REGISTERED LAND SURVEYORS, DATED JANUARY 18, 1999, LAST REVISED 3/5/99 AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT A POINT WHICH IS LOCATED SOUTH 22 DEGREES 25 MINUTES 29 SECONDS WEST A DISTANCE OF 340.23 FEET FROM A CONCRETE MONUMENT FOUND AT THE COMMON CORNER OF LAND LOTS 723, 724, 747 AND 748, SAID DISTRICT, SECTION AND COUNTY, AND RUNNING THENCE SOUTH 34 DEGREES 15 MINUTES 05 SECONDS WEST A DISTANCE OF 933.38 FEET TO A POINT; RUNNING THENCE NORTH 55 DEGREES 44 MINUTES 55 SECONDS WEST A DISTANCE OF 466.69 FEET TO A POINT; RUNNING THENCE NORTH 34 DEGREES 15 MINUTES 05 SECONDS EAST A DISTANCE OF 933.38 FEET TO A POINT; RUNNING THENCE SOUTH 55 DEGREES 44 MINUTES 55 SECONDS EAST A DISTANCE OF 466.69 FEET TO A POINT WHICH IS THE POINT OF BEGINNING; ALSO CONVEYED HEREWITH IS A 20 FOOT PERPETUAL NON-EXCLUSIVE EASEMENT FOR INGRESS AND EGRESS FROM AURARIA ROAD TO THE ABOVE DESCRIBED PROPERTY; SAID EASEMENT BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

TO FIND THE TRUE POINT OF BEGINNING, BEGIN AT THE COMMON CORNER OF LAND LOTS 723, 724, 747 AND 748 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA AND RUNNING THENCE SOUTH 22 DEGREES 25 MINUTES 29 SECONDS WEST A DISTANCE OF 340.23 FEET TO A POINT; RUNNING THENCE SOUTH 34 DEGREES 15 MINUTES 05 SECONDS WEST A DISTANCE OF 933.38 FEET TO A POINT; RUNNING THENCE NORTH 55 DEGREES 44 MINUTES 55 SECONDS WEST A DISTANCE OF 466.69 FEET TO A POINT; RUNNING THENCE NORTH 34 DEGREES 15 MINUTES 05 SECONDS EAST A DISTANCE OF 170.50 FEET TO A POINT WHICH IS THE TRUE POINT OF BEGINNING; FROM SAID TRUE POINT OF BEGINNING THUS ESTABLISHED, RUNNING THENCE NORTH 65 DEGREES 58 MINUTES 12 SECONDS WEST A DISTANCE OF 48.35 FEET TO A POINT; RUNNING THENCE NORTH 60 DEGREES 55 MINUTES 21 SECONDS WEST A DISTANCE OF 69.78 FEET TO A POINT; RUNNING THENCE NORTH 78 DEGREES 16 MINUTES 08 SECONDS WEST A DISTANCE OF 58.08 FEET TO A POINT; RUNNING THENCE NORTH 52 DEGREES 37 MINUTES 39 SECONDS WEST A DISTANCE OF 55.14 FEET TO POINT; RUNNING THENCE NORTH 64 DEGREES 43 MINUTES 22 SECONDS WEST A DISTANCE OF 29.31 FEET TO A POINT; RUNNING THENCE NORTH 54 DEGREES 21 MINUTES 39 SECONDS WEST A DISTANCE OF 46.97 FEET TO A POINT; RUNNING THENCE NORTH 41 DEGREES 24 MINUTES 37 SECONDS WEST A DISTANCE OF 83.43 FEET TO A POINT; RUNNING THENCE NORTH 54 DEGREES 33 MINUTES 42 SECONDS WEST A DISTANCE OF 34.47 FEET TO A POINT; RUNNING THENCE NORTH 73 DEGREES 13 MINUTES 12 SECONDS WEST A DISTANCE OF 30.35 FEET TO A POINT; RUNNING THENCE SOUTH 77 DEGREES 25 MINUTES 49 SECONDS WEST A DISTANCE OF 23.60 FEET TO A POINT; RUNNING THENCE SOUTH 58 DEGREES 58 MINUTES 40 SECONDS WEST A DISTANCE OF 28.04 FEET TO A POINT; RUNNING THENCE SOUTH 63 DEGREES 44 MINUTES 55 SECONDS WEST A DISTANCE OF 26.17 FEET TO A POINT; RUNNING THENCE SOUTH 83 DEGREES 55 MINUTES 20 SECONDS WEST A DISTANCE OF 41.78 FEET TO A POINT ON THE SOUTHEASTERLY RIGHT OF WAY OF AURARIA ROAD (100` R/W); RUNNING THENCE NORTHEASTERLY ALONG THE SOUTHEASTERLY RIGHT OF WAY OF AURARIA ROAD AND FOLLOWING THE CURVATURE THEREOF AN ARC DISTANCE OF 20.63 FEET (SAID ARC BEING SUBTENDED BY A CHORD BEARING NORTH 08 DEGREES 06 MINUTES 29 SECONDS EAST A DISTANCE OF 20.63 FEET) TO A POINT; RUNNING THENCE NORTH 83 DEGREES 55 MINUTES 20 SECONDS EAST A DISTANCE OF 33.17 FEET TO A POINT; RUNNING THENCE NORTH 63 DEGREES 44 MINUTES 55 SECONDS EAST A DISTANCE OF 21.78 FEET TO A POINT; RUNNING THENCE NORTH 58 DEGREES 58 MINUTES 40 SECONDS EAST A DISTANCE OF 30.46 FEET TO A POINT; RUNNING THENCE NORTH 77 DEGREES 25 MINUTES 49 SECONDS EAST A DISTANCE OF 32.08 FEET TO A POINT; RUNNING THENCE SOUTH 73 DEGREES 13 MINUTES 12 SECONDS EAST A DISTANCE OF 38.88 FEET TO A POINT; RUNNING THENCE SOUTH 54 DEGREES 33 MINUTES 42 SECONDS EAST A DISTANCE OF 40.06 FEET TO A POINT; RUNNING THENCE SOUTH 41 DEGREES 24 MINUTES 37 SECONDS EAST A DISTANCE OF 83.47 FEET TO A POINT; RUNNING THENCE SOUTH 54 DEGREES 21 MINUTES 39 SECONDS EAST A DISTANCE OF 42.89 FEET TO A POINT; RUNNING THENCE SOUTH 64 DEGREES 43 MINUTES 22 SECONDS EAST A DISTANCE OF 29.62 FEET TO A POINT; RUNNING THENCE SOUTH 52 DEGREES 37 MINUTES 39 SECONDS EAST A DISTANCE OF 52.71 FEET TO A POINT; RUNNING THENCE SOUTH 78 DEGREES 16 MINUTES 08 SECONDS EAST A DISTANCE OF 56.58 FEET TO A POINT; RUNNING THENCE SOUTH 60 DEGREES 55 MINUTES 21 SECONDS EAST A DISTANCE OF 71.95 FEET TO A POINT; RUNNING THENCE SOUTH 65 DEGREES 58 MINUTES 12 SECONDS EAST A DISTANCE OF 51.07 FEET TO A POINT; RUNNING THENCE SOUTH 34 DEGREES 15 MINUTES 05 SECONDS WEST A DISTANCE OF 20.32 FEET TO A POINT, SAID POINT BEING THE TRUE POINT OF BEGINNING.

The above described property is also known as 1701 Auraria 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 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:

Capital One, N.A.

Attn: Loss Mitigation

7933 Preston Road

Plano, TX 75024

Telephone: 1-877-230-8516

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

Capital One, N.A.

as Attorney-in-Fact for

Richard Ivy and Sylvia H. Ivy

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Van L. Loggins and Adrienne Wilder to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated September 17, 2007 in the amount of $208,000.00, and recorded in Deed Book 1066, Page 25, Lumpkin County, Georgia Records; as last transferred to CENLAR FSB by assignment; the undersigned, CENLAR FSB 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 94 of the 1st District, Lumpkin County, Georgia, containing 2.380 acres, more or less, together with all improvements located thereon, and being more fully described and delineated according to a plat of survey dated February 14, 2002, prepared by John T. Gaston, Georgia Registered Surveyor, which is recorded in Plat Cabinet One, Slide 91, Plat 02-B, Lumpkin County, Georgia records. Which plat is incorporated herein and made a part hereof by reference.

which has the property address of 425 Grindle Brothers Road, Murrayville, 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 Van L. Loggins and Adrienne Wilder 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.

CENLAR FSB

Attorney in Fact for

Van L. Loggins and Adrienne Wilder

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 12-04784 /FHLMC/kgrant

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of the default in the payment of a note executed by TIMOTHY W. LUTHER and DIANE C. LUTHER in favor of GENERATIONS BANK, now known as CADENCE BANK, N.A., successor by merger with Seasons Bank, in the original principal amount of $61,750.00 secured by a Deed to Secure Debt executed by TIMOTHY W. LUTHER and DIANE C. LUTHER to GENERATIONS BANK, dated April 7, 2003, recorded in Deed Book F31, pages 354-358, Lumpkin County, Georgia Deed Records, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in October, 2012, during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land and all improvements thereon, the property described as follows:

All that tract or parcel of land lying and being in Land Lot 99 in the 4th District, originally of Habersham, and now of Lumpkin County, Georgia, containing 13.06 acres, more or less, and being more fully described and delineated according to a plat of survey prepared May 14, 1987, last revised June 11, 1987, by Hubert Lovell, Georgia Registered Surveyor, which is recorded in Plat Book 15, page 218, Lumpkin County Records, and which is incorporated by reference herein. This is the same property that was conveyed to Timothy W. Luther and Diane C. Luther under a Warranty Deed from Noel E. Baughman and Linda Baughman dated October 18, 2000, which is recorded in Deed Book L-26, pages 196-197, Lumpkin County Records. This property is conveyed along with all existing easement rights, specifically including those easement rights included in a Warranty Deed from Homer Lee Anderson to Noel E. Baughman and Linda Baughman dated October 18, 2000, which is recorded in Deed Book L-26, pages 196-197, Lumpkin County Records, and together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above. This property is also conveyed along with and subject to all existing easements and restrictions of record.

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

The indebtedness remaining in default, the sale will be made for the purpose of applying proceeds thereof to the payment of the indebtedness secured by the Deed to Secure Debt, accrued interest and expenses of the sale and other sums secured by the Deed to Secure Debt, and the remainder, if any, shall be applied as permitted by law.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is Cadence Bank, N.A., P.O. Box 1187, Starkville, MS 39760, (662-320-8343). Please understand that the secured creditor is not required by law to negotiate, amend or modify the terms of the mortgage instrument.

To the best of the undersigned’s knowledge and belief the property is in the possession of TIMOTHY W. LUTHER and DIANE C. LUTHER and said property will be sold as the property of TIMOTHY W. LUTHER and DIANE C. LUTHER. 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 Deed to Secure Debt.

The undersigned will execute a deed to the purchaser as authorized in the aforementioned Deed to Secure Debt.

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

CADENCE BANK, N.A.,

As Attorney in Fact for

TIMOTHY W. LUTHER and DIANE C. LUTHER

D. Thomas LeFevre

Stewart, Melvin & Frost, LLP

P. O. Box 3280

Gainesville, GA 30503

770-536-0101

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Security Deed from Alvin Martin and Christina Martin to Long Beach Mortgage Company dated April 8, 2003 recorded in Deed Book X31, Page 4-15 , Lumpkin County Records, and last assigned to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2003-3, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-EIGHT THOUSAND AND 00/100 ($198,000.00), 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, during the legal hours of sale on the first Tuesday, October 2, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 118 of the 1st District of Lumpkin County, Georgia, being Lot 7 of Wagon Creek as shown on plat of survey recorded in Plat Book 22, Page 137, Lumpkin County, Georgia Records. Which plat is incorporated herein and made a part hereof by reference.

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

Said property will be sold subject to any outstanding ad valorem taxes, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property Alvin Martin and Christina Martin or, a tenant or tenants, and said property was or is commonly known as 343 Cherokee Trace, Dahlonega, GA, 30533.

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

Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2003-3

As Attorney in Fact for

Alvin Martin and Christina Martin

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 12-13920

Publication Dates: September 5, 12, 19, 26, 2012

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(9/5, 9/12, 9/19, 9/26)

gpn11

Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by Charles M Mathis and Michelle A Mathis to Mortgage Electronic Registration Systems, Inc., dated October 12, 2006, recorded in Deed Book 1011, Page 488, Lumpkin County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 1216, Page 107, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-SEVEN THOUSAND AND 0/100 DOLLARS ($157,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Suntrust Mortgage, Inc., 1001 Semmes Avenue, Richmond, VA 23224, 866-384-0903. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Charles M Mathis and Michelle A Mathis or a tenant or tenants and said property is more commonly known as 5054 Camp Wahsega Rd, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

SunTrust Mortgage, Inc.

as Attorney in Fact for

Charles M Mathis and Michelle A Mathis

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/sju 10/2/12

Our file no. 5

840612-FT15

EXHIBIT “A” All that tract or parcel of land lying and being in the 11th District and the 1st Section of Lumpkin County, Georgia, being 5.87 Acres, more or less, located in Land Lots 1215 and 1216 of said District and Section, and being more particularly described as follows: Beginning a the intersection of original line of the Westside of said Lot No. 1215 with the Northerly right of way of Camp Wahsega Road; running thence North 00 Degrees 28 minutes east along the original line 480.99 feet to an iron pin; running thence South 89 Degrees 08 minutes West 429.82 Feet to an iron pin on the Northeasterly right of way of the Pleasant Hill Church Road; running thence North 38 Degrees 15 minutes West along the Church Road 114.45 feet to the original line of the North side of Lot No. 1216; running thence South 89 Degrees 22 minutes East along the original line of the North side of said Lot No. 1216, Passing the original corner and then along the original line of the North side of Lot No. 1215 a distance of 919.56 feet to an iron pin; running thence South 05 Degrees 15 minutes West 539.84 feet to an iron pin on the Northerly right of way of the Camp Wahsega Road; running thence South 87 Degrees 25 minutes West along the right of way of the Northerly side of the camp Wahsega Road 373.73 feet to an iron pin at the original line at the point of beginning. The conveyance is made subject to easements for public records and utilities now in use. This conveyance is made subject to any easements of record for easements located on the property above described. Being the same property conveyed to Charles Michael Mathis and Michelle Anne Mathis, as Joint Tenants with Rights of Survivorship by Deed from Parks Lumber and Building Supply, Inc. recorded 09/09/1997 in Deed Book J-18 Page 199, in the Office of the Clerk of the Superior Court of Lumpkin County, Georgia. MR/sju 10/2/12 Our file no. 5840612 - FT15

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Pursuant to the Power of Sale contained in a Security Deed given by Florence A. Mcintyre to Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Home Loans, Inc. dated 4/2/2007 and recorded in Deed Book 1036 Page 468-479, LUMPKIN County, Georgia records; as last transferred to Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, conveying the after-described property to secure a Note in the original principal amount of $ 64,706.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012 (October 02, 2012), the following described property:

All that tract or parcel of land lying and being in Land Lot 73 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.00 acres, more or less, being more fully described and delineated as Lot 11 on a plat of survey of Phase One, Camelot, dated April 25, 1985, prepared by Michael L. Scupin, Georgia Registered Surveyor #1967, recorded in Plat book 13, page 95, Lumpkin County Records, and said plat is incorporated by reference herein.

This conveyance is made subject to that certain Camelot Mobile Home Community Declaration of Protective and Restrictive Covenants for the Camelot Subdivision recorded in Deed Book B-5, pages 727- 731, Lumpkin County Records.

The Grantees herein recognize 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 grantees herein hereby agree that they will be responsible for their 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. The above-described property is a portion of the same property conveyed to Harry C. Whitehead, d/b/a Mariah Development Company, executed by William E. Reed, III, and Dorothy O. Reed, recorded in Deed Book W-4, pages 743-744, Lumpkin County Records.

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

Said property is commonly known as 199 Lancelot Road, Dahlonega, GA 30533 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Kenneth A McIntyre and Florence A. Mcintyre or tenant or tenants.

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

Bank of America

Home Loan Assistance Dept.

7105 Corporate Drive

Plano, TX 75024

(800) 846-2222

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

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

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

Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP as agent and Attorney in Fact for Florence A. Mcintyre

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-651875

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of the default in the payment of a note executed by Richard S. Morris and Patrica R. Morris secured by a deed to secure debt executed by Richard S. Morris and Patrica R. Morris to Mariah Construction, LLP., dated July 27, 2008, and recorded in the Clerk’s Office of Lumpkin County, Georgia, in Deed Book 1102, pages 703-704, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in October, 2012 during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land described in said deed, to wit:

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 1.010 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT #184 ON A PLAT OF SURVEY OF THE WELLINGTON SUBDIVISION, PHASE TWO, PREPARED BY DONALD REX JONES, REGISTERED GEORGIA LAND SURVEYOR #2396, DATED DECEMBER 4, 1995, AND RECORDED IN PLAT BOOK 29, PAGE 155, LUMPKIN COUNTY RECORDS, SAID PLAT IS INCORPORATED REFERENCE HEREIN.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR THE WELLINGTON SUBDIVISION, WHICH IS RECORDED IN DEED BOOK C16, PAGES 194-196, LUMPKIN COUNTY RECORDS.

To the best knowledge and belief of the undersigned, the physical address of the above described property is 456 FLANDERS ROAD, DAHLONEGA, GEORGIA 30533

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the note secured by said deed to secure debt.

This sale will be held subject to any unpaid taxes or other assessments which may be liens against said property.

Said property will be sold as the property of Richard S. Morris and Patrica R. Morris, and the proceeds of said sale shall be applied first to the payment in full of said indebtedness, next, to the payment of all expenses connected with said sale, and the remainder, if any, shall be paid as provided in said deed to secure debt.

Angela Grant Clark, Attorney at Law Mariah Construction, LLP., as Attorney in fact for Richard S. Morris and Patricia R. Morris

121 Lumpkin County Parkway

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the power of sale contained in a Security Deed from MICHAEL A. OGG and PAMELA WILLIAMS-OGG to UNITED COMMUNITY BANK, dated December 21, 2007, recorded December 21, 2007, in Deed Book 1076, Page 409, Lumpkin County, Georgia records, as last modified by Modification of Security Deed dated December 14, 2009, recorded in Deed Book 1155, Page 702, Lumpkin County, Georgia records, said Security Deed being given to secure a Note from MICHAEL A. OGG dated December 14, 2009, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 45, 13th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Richard J. Webb, Georgia Registered Land Surveyor, dated January 30, 2003: and as per said plat, the property is more particularly described as Lot 12 of Parks Ridge Subdivision. The subject plat being of record in Plat Cabinet One, Slide 82, Plat 36, Lumpkin County Records. Said plat is hereby incorporated by reference.

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

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

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is MICHAEL A. OGG and PAMELA WILLIAMS-OGG or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for MICHAEL A. OGG and PAMELA WILLIAMS-OGG

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03359

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the power of sale contained in a Security Deed from MICHAEL A. OGG a/k/a MICHAEL ALLAN OGG to UNITED COMMUNITY BANK, dated December 21, 2007, recorded December 21, 2007, in Deed Book 1076, Page 418, Lumpkin County, Georgia records, as last modified by Modification of Security Deed dated December 14, 2009, recorded in Deed Book 1150, Page 670, Lumpkin County, Georgia records, said Security Deed being given to secure a Note from MICHAEL A. OGG dated December 14, 2009, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 318, 12th District, Lumpkin County, Georgia and being fully described by a plat prepared by Ringo and Sadler, Georgia Registered Land Surveyor, and as per said plat, the property is more particularly described as Lot 67, Castleberry Ridge Subdivision. The subject plat being of record in Plat Cabinet One, Slide 128, Plat 151, Lumpkin County Records. Said plat is hereby incorporated by reference.

This conveyance is made subject to the Restrictive Covenants for Castleberry Ridge Subdivision as recorded in Deed Book M-37, page 732, Lumpkin County Records, and amendments thereto.

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

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

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is MICHAEL A. OGG a/k/a MICHAEL ALLAN OGG or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for MICHAEL A. OGG a/k/a MICHAEL ALLAN OGG

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03340

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Holly E Owens and Robb A Owens to Mortgage Electronic Registration Systems, Inc. as nominee for AHM Mortgage, its successors and assigns dated March 30, 2007 in the amount of $186,500.00, and recorded in Deed Book 1035, Page 677, 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 150, 11th District, Lumpkin County, Georgia and being more particularly described as follows:

Beginning at the Corps of Engineers concrete marker found with iron plat #150-7 located above the high water mark on the Easterly side of the Chestatee River; thence running North 89 degrees 33 minutes 21 seconds East a distance of 100.32 feet to an iron pin found; thence running South 81 degrees 02 minutes 28 seconds East a distance of 24.91 feet to an iron pin set; thence running South 00 degrees 24 minutes 49 seconds West a distance of 222.32 feet to an iron pin found; thence running North 27 degrees 22 minutes 59 seconds West a distance of 50.78 feet to an iron pin found; thence running South 56 degrees 41 minutes 00 seconds West a distance of 84.62 feet to an iron pin set; thence running North 51 degrees 11 minutes 51 seconds West a distance of 164.76 feet to an iron pin set; thence running North 36 degrees 44 minutes 36 seconds East a distance of 158.42 feet to a corps of engineers concrete marker found with iron plat #150-7 and the Point of Beginning; said tract containing 0.819 acres, more or less, all as shown on survey dated September 20, 2006, Drawing Number P-11-4, certified by David M. Mock, GRLS No. 2761.

Together with and subject to without representation or warranty, an easement for ingress and egress along a gravel road known as Fox Hollow Road, and grantees agree to be responsible for grantee`s share of the upkeep and maintenance of said road.

which has the property address of 834 Fox Hollow Road, 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 Holly E Owens and Robb A Owens 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

Holly E Owens and Robb A Owens

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 12-05141 /FHLMC/kgrant

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of the default in the payment of a note executed by Kurt Raftelis secured by a deed to secure debt executed by Kurt Raftelis to Bob Pickelseimer and Virginia Pickelseimer. dated May 14, 2002, and recorded in the Clerk’s Office of Lumpkin County, Georgia, in Deed Book I29, pages 712-717, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in October, 2012 during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land described in said deed, to wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 850, 12th DISTRICT, 1st SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY MICHAEL STEWART KELLEY, GEORGIA REGISTERED LAND SURVEYOR, DATED NOVEMBER 14, 1996: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 0.377 ACRE, MORE OR LESS, BEING MORE PARTICULARLY DESCRIBED AS A PORTION OF LOT 7, R. A. GRIFFIN SUBDIVISION. THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 30, PAGE 129, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.

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

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

To the best knowledge and belief of the undersigned, the physical address of the above described property is 52 CANE CREEK VALLEY ROAD, DAHLONEGA, GA. 30533.

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the note secured by said deed to secure debt.

This sale will be held subject to any unpaid taxes or other assessments which may be liens against said property.

Said property will be sold as the property of Kurt Raftelis, and the proceeds of said sale shall be applied first to the payment in full of said indebtedness, next, to the payment of all expenses connected with said sale, and the remainder, if any, shall be paid as provided in said deed to secure debt.

Bob Pickelseimer and Virginia Pickelseimer., as Attorney in fact for Kurt Raftelis

Angela Clark, Attorney at Law

P.O. Box 611

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Florella Carrie Rayner to Family Mortgage And Investments, Inc., dated December 7, 2000, recorded in Deed Book U26, Page 97, Lumpkin County, Georgia Records, as last transferred to JPMorgan Chase Bank, National Assocation by assignment recorded in Deed Book 1211, Page 553, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY THOUSAND EIGHT HUNDRED AND 0/100 DOLLARS ($160,800.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

All that tract or parcel of land, together with improvements, thereon, situate, lying ad being in Land Lot 194 of the 12th Land District, 1st Section, of Lumpkin County, Georgia, and being 9.80 acres as more particularly described on that plat of survey for Florella Carrie Rayner, prepared by Geoimage, LLC, Georgia Registered Land Surveyor, dated February 10, 2000, and recorded in Plat Cabinet 1, Slide 47, Page 122A of the Lumpkin County, Georgia Plat Records. Said plat is incorporated herein by reference for a more complete description of the property.

Also conveyed herein is a 30-foot easement for ingress and egress from the subject property to Sheep Wallow Road. 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).

JPMorgan Chase Bank, National Association holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association (“Fannie Mae”). “JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Toni Hamilton, Margaret A. King, Sinthea D. Woodall, Bruce W. Rayner, Christopher Rayner, Bruce “Shawn” Rayner and Benton Steven Rayner or a tenant or tenants and said property is more commonly known as 398 Braeburn 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.

JPMorgan Chase Bank, National Association

as Attorney in Fact for

Florella Carrie Rayner

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181 www.jflegal.com

MSP/ 10/2/12

Our file no. 1447211-FT20

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Diane Roddy to Mortgage Electronic Registration Systems, Inc., dated December 5, 2006, recorded in Deed Book 1017, Page 565, Lumpkin County, Georgia Records and as re-recorded in Deed Book 1022, Page 76, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1170, Page 170, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-TWO THOUSAND NINE HUNDRED FOURTEEN AND 0/100 DOLLARS ($132,914.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

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. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Diane Roddy or a tenant or tenants and said property is more commonly known as 329 Summer Glen 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP

as Attorney in Fact for

Diane Roddy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/sdw 10/2/12

Our file no. 52263710-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, being Tract 1, containing 1.72 acres on Summer Glen Road as per plat of survey recorded at Plat Cabinet 1, Slide 91, Page 16, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Also conveyed herewith: A 2004 Horton “Boss” Manufactured Home, 30 X 68, VIN # GEO 1403359 and GEO 1403360. MR/sdw 10/2/12 Our file no. 52263710 - FT11

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Deed to Secure Debt by BRENT LEE SAWYER and CRYSTAL CHRISTINE SAWYER to Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for First National Bank of NAssau County, dated December 22, 2008 and filed for record December 30, 2008 in Deed Book 1116, Page 298, as supplemented by that certain Affidavit recorded August 1, 2012 in Deed Book 1220, page 57 Lumpkin County, Georgia records, and securing a Note in the original principal amount of $161,848.00; last transferred to CitiMortgage, Inc. by Assignment, filed for record in Deed Book 1217, Page 506, Lumpkin County, Georgia records, 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 October, 2012, by CitiMortgage, Inc. as Attorney-in-Fact for BRENT LEE SAWYER and CRYSTAL CHRISTINE SAWYER the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 847 of the 5th District, 1st Section of Lumpkin County, Georgia, designated as Lot 18 of Mill Creek Station, as shown on plat recorded in Plat

Cabinet 1-119, Page 178, Lumpkin County, Georgia records; said plat being incorporated herein by reference for a more complete description.

The above described property is also known as 413 PINE TREE DRIVE, DAWSONVILLE, GA 30534.

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 CitiMortgage, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

CitiMortgage, Inc.

as Attorney-in-Fact for

BRENT LEE SAWYER and CRYSTAL CHRISTINE SAWYER

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the Power of Sale contained in a Security Deed given by Dominic A. Smallwood and Dorothy C. Smallwood to FT Mortgage Companies d.b.a. HomeBanc Mortgage Corporation, dated October 15, 1999, recorded in Deed Book Y23, Page 186, Lumpkin County, Georgia Records, last assigned to First Horizon Home Loans, a division of First Tennessee Bank National Association, conveying the after-described property to secure a Note in the original principal amount of Seventy-Eight Thousand Nine Hundred and 00/100 DOLLARS ($78,900.00), with interest thereon as set forth therein, 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 October, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Nationstar Mortgage, LLC, 350 Highland Drive, Lewisville, TX 75067 AND 972-956-6203. Please understand that the secured creditor is not required by law 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, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The 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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Dominic A. Smallwood and Dorothy C. Smallwood or a tenant or tenants and said property is more commonly known as 7952 Dawsonville Highway, Dawsonville, GA 30506.

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

as Attorney in Fact for

Dominic A. Smallwood and Dorothy C. Smallwood

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000554-12

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

ALL THAT TRACT AND OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 108 AND 109 OF THE 12TH DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY ALBERT N. WYNN, JR., GA. RLS, DATED APRIL 7, 1987 AND BEING RECORDED IN PLAT BOOK 17, PAGE 282 OF LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS HEREBY INCORPORATED HEREIN BY REFERENCE.

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Scott Sugarman and Helen E. Horner to Mortgage Electronic Registration Systems, Inc., dated December 13, 2007, recorded in Deed Book 1079, Page 445, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1204, Page 203, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY-ONE THOUSAND SIX HUNDRED THREE AND 0/100 DOLLARS ($91,603.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

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. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Scott M. Sugarman or a tenant or tenants and said property is more commonly known as 57 Tracy Grizzle 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP

as Attorney in Fact for

Scott Sugarman and Helen E. Horner

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net MR/ 10/2/12

Our file no. 5400912-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 429, 15th District, 1st Section Lumpkin County, Georgia and being fully described by a plat prepared by Douglas R. Sherrill, Georgia Registered Land Surveyor, dated December 6, 2006; and as per said plat, the property contains 1.01 acres, more or less, being more particularly described as Lot 1, the subject plat being of record in plat Cabinet One, Slide 142, Plat 25, Lumpkin County Records. Said Plat is hereby incorporated by reference. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to any easements of records or easements located on the property above described. MR/ 10/2/12 Our file no. 5400912 - FT11

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the power of sale contained with that certain Deed to Secure Debt dated April 28, 2008, from Frances J Thomas and Tracy R Thomas to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., recorded on May 8, 2008 in Deed Book 1093 at Page 325, Lumpkin County, Georgia Records, having been last sold, assigned, transferred and conveyed to JPMorgan Chase Bank, National Association by Assignment and said Deed to Secure Debt having been given to secure a note dated April 28, 2008, in the amount of $143,106.00, said note being in default, the undersigned will sell at public outcry during the legal hours of sale before the door of the courthouse of Lumpkin County, Georgia, on October 2, 2012, the following described real property (hereinafter referred to as the “Property”):

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 298 AND 297 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 2 OF ETOWAH WEST SUBDIVISION, PER PLAT OF SAME AS RECORDED IN PLAT BOOK 27, PAGE 185, LUMPKIN COUNTY, GEORGIA RECORDS. WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE.

The debt secured by the Security Deed and evidenced by the note and has been, and is hereby, declared due and payable because of, among other possible events of default, failure to make the payments as required by the terms of the Note. The debt remaining is in default and this sale will be made for the purposes of paying the Deed to Secure Debt, accrued interest, and all expenses of the sale, including attorneys’ fees. Notice of intention to collect attorneys’ fees has been given as provided by law. To the best of the undersigned’s knowledge, the person(s) in possession of the property is/are Frances J Thomas and Tracy R Thomas.

The property, being commonly known as 47 Etowah Drive, Dahlonega, GA 30533 in Lumpkin County, will be sold as the property of Frances J Thomas and Tracy R Thomas, subject to any outstanding ad valorem taxes (including taxes which are a lien and not yet due and payable), any matters affecting title to the property which would be disclosed by accurate survey and inspection thereof, and all assessments, liens, encumbrances, restrictions, covenants, and matters of record to the Security Deed.

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: JP Morgan Chase Bank, National Association, 7757 Bayberry Road, Jacksonville, FL 32256, 1-866-349-3540 . The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under U.S. Bankruptcy code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

Albertelli Law Attorney for JPMorgan Chase Bank, National Association

as Attorney in Fact for

Frances J Thomas and Tracy R Thomas

100 Galleria Parkway, Suite 960 Atlanta, GA 30339

Phone: (866) 690-0418 A-4294402

(9/5, 9/12, 9/19, 9/26)

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Legals (September 26th edition)
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gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Michael Charles Ridley, 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 31st day of August, 2012.

Christopher Ridley, Executor

43 Castleberry Drive

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Kathryn Anne Brown Fisher, 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 31st day of August, 2012.

Jimmy Fisher, Executor

379 Bear Den Road

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia

County of Lumpkin

NOTICE OF FORCLOSURE OF THE RIGHT TO REDEEM

Date: 9/10/2012

This is notice to A. Dale Williams III

Occupant, All The World and anyone holding any right, title, or interest in or lien upon the below listed property

To Whom lt May Concern:

This is Notice that Timothy P. Bishop hereby gives Notice that he intends to Forever Foreclose the right to redeem the following described property, to wit:

Tax Parcel 101-049, Land Lot 123 of the 4th District, Lumpkin County Georgia, Tract B will expire and be forever foreclosed and barred on and after the 3rd day of October, 2012.

The tax deed to which this notice relates is dated the 4th day of October, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book D31 at page 332.

The property may be redeemed at any time before the 3rd day of October, 2012 by payment of the redemption price as fixed and provided by law to the undersigned at the following address:

44 Kelli Ln

Cleveland GA, 30528

Please be governed accordingly.

Timothy P. Bishop

44 Kelli Ln

Cleveland, GA 30528

706-969-5106

OCGA §§ 48-4-40 to 48-4-48

(9/12, 9/19, 9/26, 10/3)

gpn 18

Petition for Letters

of Administration Notice

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

In re: Estate of Tommy Fouts, Deceased

Estate No. 2012-LA-128

Patricia Lynn Fouts has petitioned to be appointed Administrator of the estate of Tommy Fouts, 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 October 15, 2012. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

Michael A. Chastain

Probate Judge

by Shelley Wilson

Probate Clerk

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(9/19, 9/26, 10/3, 10/10)

gpn 18

Petition for year’s support

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

IN RE: Estate of Betty Louise Cantrell, Deceased

Estate no. 2012-62

The petition of Bobby G. Cantrell, for a year’s support from the estate of Betty Louise Cantrell, deceased, for decedent’s surviving spouse, having been duly filed, all interested persons are hereby notified to show cause, if any they have, on or before October 15, 2012, 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 on or before the time stated in the preceding sentence. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number tor 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, GA 30533

706-864-3847

(9/19, 9/26, 10/3, 10/10) 205

gpn06

Trade Name Registration

Georgia, Lumpkin County

Notice is hereby given that a trade name registration statement has been filed in this office, verified by affidavit of Cory Thorpe, Owner, 8990 Sourwood Drive, Gainesville, GA 30506, which affidavit states that he is the owner of a business now being carried on at Lumpkin County, Dahlonega, GA, conducting a business of Broker of Wholesale Parts to the Auto Industry, operating under the trade name of Disco of Atlanta.

Witness my official signature and seal of the Superior Court this 12th day of September, 2012.

Rita Harkins

Clerk of Superior Court

(9/19, 9/26)

gpn15

Notice of Petition to Change Name

In the Superior Court of Lumpkin County

State of Georgia

Family Division

Petitioner: Betty Evelyn Seabolt

Notice is hereby given that Betty Evelyn Seabolt, the undersigned, filed her petition in the Superior Court of Lumpkin County, Georgia, on the 12th day of September, 2012, praying for change in the name of petitioner from Betty Evelyn Seabolt to Betty Evelyn Oliver.

Notice is hereby given pursuant to law to any interested or affected party to appear in said Court and to file objections to such name change. Objections must be filed with said Court within 30 days of the filing of said petition.

This 12th day of September, 2012,

Betty Evelyn Seabolt, Petitioner

Rita Harkins

Clerk of Superior Court

Lumpkin County, Georgia

(9/19, 9/26, 10/3, 10/10)

gpn 02

Application for Beer/Wine License

Jeannie Dixon has applied with the Dahlonega City Council for a Beer/Wine License for the Chestatee Garden & Tavern, located at 39 South Chestatee St., Dahlonega, Georgia 30533.

(9/19, 9/26)

gpn12

Notice to Timothy B. Lee

and all the world

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 116-083, in Land Lot 79 of the 1st District, Lumpkin County, Georgia, being lot 40, High Shoals Landing, as shown in Plat Book 29, Page 58, Lumpkin County Records and being located on High Shoals Drive will expire and be forever foreclosed and barred on and after the 24th day of October, 2012.

The tax deed to which this notice relates is dated the 6th day of September, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1195, Page 485. The property may be redeemed at any time before the 24th day of October, 2012, by payment of the redemption price as fixed and provided by law to Kyle D. Diodati and Jon A. Sinkinson at the following address: 6625 Highway 53E, Suite 410-423, Dawsonville, GA 30534.

Please be governed accordingly.

(9/19, 9/26, 10/3, 10/10, 10/17)

gpn12

NOTICE TO A. DALE WILLIAMS, III, UNITED COMMUNITY BANK, AND ALL THE WORLD

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 101-050, in Land Lot 123 of the 4th District, Lumpkin County, Georgia, being 1.05 acres, more or less, designated as Tract “A” as shown in Plat Cabinet one, Slide 83, Page 53A, Lumpkin County Records will expire and be forever foreclosed and barred on and after the 24th day of October, 2012.

The tax deed to which this notice relates is dated the 6th day of September, 2011 and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1195, Page 484. The property may be redeemed at any time before the 24th day of October, 2012, by payment of the redemption price as fixed and provided by law to Kyle Daniel Diodati and Jon A. Sinkinson at the following address: 6625 Highway 53E, Suite 410-423, Dawsonville, GA 30534.

Please be governed accordingly.

(9/19, 9/26, 10/3, 10/10, 10/17)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

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

This 14th day of September, 2012.

Martha Elaine Moore, as Executrix of the Estate of Nora Corbin Gold, deceased

1797 Turners Corner Road

Cleveland, GA 30528

(9/19, 9/26, 10/3, 10/10)

gpn07

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Shirley M, Klink, 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 14th day of September, 2012.

John W. Klink, Executor of the Estate of Shirley M. Klink

Kelso C. Horne, Jr.

Horne & Horne, PC

Post Office Box 37

Dahlonega, Georgia 30533

(9/26, 10/3, 10/10, 10/17)

gpn06

NOTICE OF INTENT TO INCORPORATE

Notice is given that articles of incorporation which will incorporate Tim Voci Mechanical Installation Services, Inc. will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 81 Crown Mountain Place, Suite C-100, Dahlonega, Georgia 30533 and its initial registered agent(s) at such address is J. Douglas Parks.

(9/26, 10/3)

gpn13

Request for variance to the setback requirement of Lumpkin County

David Womack is requesting a variance to reduce the side and front setbacks to construct a recreational structure at 369 Emerald Ridge This request will be heard by the Lumpkin County Planning Commission on October 8th, 2012 at 6:00 pm at the Lumpkin County Administration Building located at 99 Courthouse Hill. Please enter building through the back door.

(9/26, 10/3)

gpn13

Request for variance to the setback requirement of Lumpkin County

Carol Wilkerson is requesting a variance to reduce the side setback to construct an addition located at 377 Edwards Parkway. This request will be heard by the Lumpkin County Planning Commission on October 8th, 2012 at 6:00 pm at the Lumpkin County Administration Building located at 99 Courthouse Hill. Please enter building through the back door.

(9/26, 10/3, 10/10, 10/17)

gpn15

In the Superior Court

Of Lumpkin County

State of Georgia

IN RE: KYLE JOSEPH HAMMONS

MINOR CHILD

CIVIL ACTION FILE NO:

12-CV-630-SG

Notice of Petition to Change Name

Georgia, Lumpkin County

Notice is hereby given that PRESTON L. TRITT AND LINDA D. TRITT, the undersigned, filed a petition in the Superior Court of Lumpkin County, Geogia, on the 19th day of September, 2012, praying for a change in the name of the minor child from KYLE JOSEPH HAMMONS TO KYLE BRODY TRITT.

Notice is hereby given pursuant to law any interested or affected party to appear in said Court and to file objections to said name change. Objections must be filed with said Court within 30 days of filing said petition.

This 19th day of September, 2012.

Russell L. Adkins, Jr.,

Petitioner/Attorney

Rita Harkins

Clerk of Superior Court

Lumpkin County, Georgia

(9/19, 9/26, 10/3, 10/10)

gpn11

Notice of Sale under Power

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Thomas Johnson and Phyllis Johnson to Mortgage Electronic Registration Systems, Inc., as nominee for American Mortgage Network, Inc., A Delaware Corporation dated 4/15/2008 and recorded in Deed Book 1091 Page 365, Lumpkin County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 168,490.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012 (November 6, 2012), the following described property:

All that tract or parcel of land lying and being in Land Lot 99, lst District, Lumpkin County, Georgia, containing 1.02 acres, and being shown as Tract “A” on a plat of survey for Jerry Dean Ayers, dated October 8, 1997 by Frederick F. Kaufman, Georgia Registered Land Surveyor #1774, 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 109, 100, 99 and 110, thence South 01 degrees 08 minutes 31 seconds West a distance of 833.22 feet to a 1/2” rebar; thence South 01 degrees 08 minutes 31 seconds West a distance of 200.62 feet to a 1/2” rebar located on the northerly side of the right of way of Norman Bell Road (80 foot right of way); thence South 68 degrees 06 minutes 28 seconds East a distance of 43.33 feet to a point; which point is the True Point of Beginning; from the True Point of Beginning thus established, proceed North 19 degrees 12 minutes 01 seconds West a distance of 59.03 feet to a point; thence North 01 degrees 08 minutes 31 seconds East a distance of 157.71 feet to a point; thence South 80 degrees 33 minutes 49 seconds East a distance of 229.79 feet to a 1/2” rebar; thence South 11 degrees 41 minutes 57 seconds West a distance of 218.77 feet to a point located on the northerly side of the 80 foot right of way of Norman Bell Road; thence North 80 degrees 21 minutes 45 seconds West a distance of 88.33 to a point; thence North 73 degrees 18 minutes 06 seconds West a distance of 82.44 feet to a point; which is the True Point of Beginning.

Also, conveyed herewith is an easement for ingress and egress to subject property from Norman Bell Road across Tract “B” which easement is more particularly shown on said plat of survey, a copy of which is attached hereto as Exhibit “B” and made a part hereof by reference.

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

Said property is commonly known as 311 Norman Bell Road, Murryville, Georgia 30564 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Thomas Johnson and Phyllis Johnson or tenant or tenants.

Wells Fargo Bank, NA is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines.

Wells Fargo Bank, NA

Loss Mitigation

3476 Stateview Boulevard

Fort Mill, SC 29715

1-800-662-5014

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

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

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

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

Wells Fargo Bank, NA as agent and Attorney in Fact for Thomas Johnson and Phyllis Johnson

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667488934

(9/26, 10.3, 10/10, 10/17, 10/24, 10/31)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Nicky B. Anderson and Kathy S. Anderson to CitiFinancial Services, Inc., dated January 24, 2002, recorded in Deed Book T28, Page 168, Lumpkin County, Georgia Records, last assigned to CitiFinancial Services, Inc., conveying the after-described property to secure a Note in the original principal amount of One Hundred Twenty Thousand Nine Hundred Twenty-Two and 74/100 DOLLARS ($120,922.74), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CitiFinancial North America, Attention: Foreclosure Department, 1111 Northpoint, Suite 100 Bldg 4, Coppell, TX 75019 AND 877-675-3656. Please understand that the secured creditor is not required by law 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, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Nicky B. Anderson and Kathy S. Anderson or a tenant or tenants and said property is more commonly known as 648 Marlie Seabolt Road, Dahlonega, GA 30533.CitiFinancial Services, Inc.as Attorney in Fact forNicky B. Anderson and Kathy S. Anderson

Morris|Hardwick|Schneider, LLC1301 Hightower Trail, Suite 305 Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000167-10THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.EXHIBIT “A”

ALL THAT TRACT OF LAND LYING AND BEING IN LAND LOT 286 OF THE 15TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING 9.651 ACRES AS SHOWN ON PLAT OF SURVEY PREPARED BY FARLEY COLLINS AND ASSOCIATES, DATED DECEMBER 3, 1996, AND RECORDED IN PLAT BOOK 30, PAGE 149, LUMPKIN COUNTY, GEORGIA RECORDS, AND BEING DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER (CORNER BEING APPARENT AND AGREED ON BY GRIZZLE AND ANDERSON) OF LAND LOT 286 AND RUN THENCE ALONG LAND OF DENNIS J. GRIZZLE, SAID LINE BEING THE SOUTHERLY LINE OF LAND LOT 286, N 83-58-53 W, 733.50 FEET TO A POINT; RUN THENCE AN AGREED LINE BETWEEN AND AGREED ON BY GEORGE CAIN AND ANDERSON, N 07-46-21 E 663.95 FEET TO A POINT IN THE CENTER OF A GRADED DRIVE AT LANDS OF SEABOLT; RUN THENCE ALONG CENTER OF SAID GRADED DRIVE AND LAND OF SEABOLT, S 44-43-46 E, 171.67 FEET TO A POINT; S 45-27-28 E 104.34 FEET TO A POINT; THENCE LEAVING SAID DRIVE AND CONTINUING ALONG SEABOLT LAND, N 66-39-26 E, 236.13 FEET TO A POINT, N 88-46-41 E 277.59 FEET TO A POINT ON THE EASTERLY LINE OF LAND LOT 286, RUN THENCE ALONG SAID LAND LOT LINE AND LAND OF STANCIL S 04-27-36 W, 641.03 FEET TO THE SOUTHEAST CORNER OF LAND LOT 286 THE POINT OF BEGINNING.

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

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

STATE OF GEORGIA

COUNTY OF LUMPKIN

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Jerry Arden and Debra Arden to Mortgage Electronic Registration Systems, Inc. dated April 9, 2003, and recorded in Deed Book E 31, Page 662, 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 $57,500.00, 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, October 2, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract or parcel of land lying and being in Land Lot 117 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.369 acres, more or less, together with all improvements located thereon, and being more particularly set out as Lot 8 of the Wellington Subdivision, Phase One, on a plat of survey dated April 26, 1994, prepared by Donald Rex Jones, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 28, Page 141, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Together with that certain 1995 Clydesdale Single Wide Housing Unit which was formerly personalty but is now permanently annexed and affixed to the above described land as a permanent improvement, and all rights thereunto appertaining.

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

Said property is known as 295 Royal Court, 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 sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.

The property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Jerry Arden and Debra Arden or a tenant or tenants. The proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Wells Fargo Bank, NA as Attorney-in-Fact for Jerry Arden and Debra Arden

File no. 12-034286

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/MD

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.

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Hugo E. Barrios to Mortgage Electronic Registration Systems, Inc, dated March 31, 2005, recorded in Deed Book N35, Page 116, Lumpkin County, Georgia Records, last assigned to The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the holders of the Certificates, First Horizon Mortgage Pass-Through Certificates Series FHAMS 2005-AA6, by First Horizon Home Loans, a division of First Tennessee Bank National Association, Master Servicer, in its capacity as agent for the Trustee under the Pooling and Servicing Agreement, conveying the after-described property to secure a Note in the original principal amount of One Hundred Ninety-Six Thousand and 00/100 DOLLARS ($196,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Nationstar Mortgage, LLC, 350 Highland Drive, Lewisville, TX 75067 AND 972-956-6203. Please understand that the secured creditor is not required by law 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, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The 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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Hugo E. Barrios or a tenant or tenants and said property is more commonly known as 286 Miller Calhoun Road, Dahlonega, GA 30533.

The Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the holders of the Certificates, First Horizon Mortgage Pass-Through Certificates Series FHAMS 2005-AA6, by First Horizon Home Loans, a division of First Tennessee Bank National Association, Master Servicer, in its capacity as agent for the Trustee under the Pooling and Servicing Agreement

as Attorney in Fact for

Hugo E. Barrios

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000506-12

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

ALL THAT TRACT OR PARCEL OF LAND LYING AND BENG IN LAND LOT 1073 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 2.00 ACRES, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE PARTICULARY SET OUT ON A PLAT OF SURVEY DATED JANUARY 22, 1992, PREPARED FOR ROBERT J. AND JENNIFER R. GARTRELL AND DECATUR FEDERAL SAVINGS AND LOAN ASSOCIATION BY ALBERT M. WYNN, GEORGIA REGISTERED SURVEYOR. THIS PLAT IS RECORDED IN PLAT BOOK 24, PAGE 32, LUMPKIN COUNTY RECORDS AND IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION.

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

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

State of Georgia,

County of LUMPKIN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JAMES ADAM BROWN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR FRANKLIN BANK, SSB , dated 10/21/2005, and Recorded on 10/28/2005 as Book No. T36 and Page No. 356-362, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING LP: (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $73,841.00, 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 October, 2012, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 75 OF THE 11TH DISTRICT, FIRST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 2, CONTAINING 1.59 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY MADE FOR JAMIE GIBSON PREPARED BY TOMMY J. PHILLIPS, RLS, AS RECORDED IN PLAT CABINET 1, SLIDE 47, PAGE 135, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF FOR A MORE ACCURATE AND COMPLETE DESCRIPTION OF SAID PROPERTY.

ALSO CONVEYED HEREWITH IS A 1999 DYNASTY SMH3 27 X 56 MANUFACTURED HOME, SERIAL NUMBER (S) H813525GL&R, WHICH IS PERMANENTLY ATTACHED TO AND MADE A PART OF THE REAL PROPERTY HEREIN DESCRIBED. SEE IN THIS REFARD DEED BOOK W33, PAGE 475 OF THE LUMPKIN COUNTY, GEORGIA DEED RECORDS.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. 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).

BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING LP holds the duly endorsed Note and is the current assignee of the Security Deed to your property. BANK OF AMERICA, N.A., AS SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, acting on behalf of and, as necessary, in consultation with BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP, FKA COUNTRYWIDE HOME LOANS SERVICING LP (the current investor on your loan), is the entity with the full authority to negotiate, amend, and modify all terms of your loan. Pursuant to O.C.G.A. § 44-14-162.2, you may contact Bank of America, N.A. at: Bank of America, N.A., Home Loan Assistance Dept, 7105 Corporate Drive, Plano, TX 75024, 1-800-669-6650. Please note that, pursuant to O.C.G.A. § 44-14-162.2, you are not entitled by law to an amendment or modification of the terms of your loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 198 NORRIS ROAD, DAHLONEGA, GEORGIA 30533 is/are: JAMES ADAM BROWN 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.

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

JAMES ADAM BROWN.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20100031413136

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

STATE OF GEORGIA

COUNTY OF LUMPKIN

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Michael R. Denier to Regions Bank dba Regions Mortgage dated July 14, 2005, and recorded in Deed Book E 36, Page 474, Lumpkin County Records, securing a Note in the original principal amount of $97,600.00, 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, October 2, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 919 OF THE 12TH DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONTAINING 1.79 ACRES, MORE OR LESS, AS PER A PLAT OF SURVEY PREPARED FOR STEVE GALLANT, BY MICHAEL L. SCUPIN AND ASSOCIATES, GEORGIA REGISTERED SURVEYOR, DATED OCTOBER 8, 1985, RECORDED IN PLAT BOOK 14, PAGE 205, LUMPKIN COUNTY RECORDS. SAID PLAT OF SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A MORE PARTICULAR DESCRIPTION OF THE ABOVE PROPERTY.

BEING THE SAME PROPERTY CONVEYED TO MICHAEL R. DENIER BY DEED FROM STEVE GALLANT RECORDED 03/10/1989 IN DEED BOOK C8 PAGE 132, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF LUMPKIN COUNTY, GEORGIA.

Said property is known as 2762 Highway 19 N, 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 sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.

The property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Michael R. Denier or a tenant or tenants. The proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Regions Bank dba Regions Mortgage as Attorney-in-Fact for Michael R. Denier

File no. 12-029322

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/CK

www.swertfeger.net

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

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

State of Georgia

County of Lumpkin

By virtue of the power of sale contained in that certain Georgia Security Deed and Security Agreement from Bruce L. Dibble and Kim C. Dibble to Branch Banking and Trust Company dated May 10, 2006, and recorded in Deed Book X37, Page 359, Lumpkin County, Georgia Records, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, October 2, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, and 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 the following person has full authority to negotiate, amend, and modify all terms of the mortgage and can be contacted as follows:

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 Bruce L. Dibble and Kim C. Dibble or a tenant or tenants, and said property is 158 Black Falls Road, Dahlonega, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please be advised that, if the property contains multiple lots or parcels, the undersigned reserves the right to sell the properties separately or together.

Branch Banking and Trust Company

Attorneys in Fact for Bruce L. Dibble and Kim C. Dibble

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

300 Century Springs West

6000 Lake Forrest Drive, N.W.

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

Tract One: All that tract or parcel of land lying and being in Land Lot 1156 on the 11th District, 1st Section of Lumpkin County, Georgia, consisting of 10.000 acres, more or less, and being more fully described and delineated as Tract I according to a plat of survey prepared April 24, 1989, revised September 28, 1999, by Donald Williams, Georgia Registered Surveyor, which is recorded in Plat Cabinet One, Slide 105, Plat 92, Lumpkin County Records, and which is incorporated by reference herein. This portion of the property which was conveyed to Bruce L. Dibble and Kim C. Dibble under a Warranty Deed from Sarah A. Gaffney dated February 13, 1998, which is recorded in Deed Book G-19, Pages 76-77, Lumpkin County Records, and which is incorporated by reference herein. Also conveyed are those easement rights conveyed under said deed, and also under a separate Grant of Easement which is recorded in Deed Book G-24, Page 43-44, Lumpkin County Records, and which is incorporated be reference herein.

Tract Two: All that tract or parcel of land lying and being in Land Lot 1156 on the 11th District, 1st Section of Lumpkin County, Georgia, consisting of 10.663 acres, more or less, and being more fully described and delineated as Tract II according to a plat of survey prepared April 24, 1989, revised September 28, 1999, by Donald Williams, Georgia Registered Surveyor, which is recorded in Plat Cabinet One, Slide 105, Plat 92, Lumpkin County Records, and which is incorporated by reference herein. This portion of the property which was conveyed to Bruce L. Dibble and Kim C. Dibble under a Warranty Deed from Sarah A. Gaffney dated February 13, 1998, which is recorded in Deed Book G-19, Pages 76-77, Lumpkin County Records, and which is incorporated by reference herein. Also conveyed are those easement rights conveyed under said deed, and also under a separate Grant of Easement which is recorded in Deed Book G-24, Page 43-44, Lumpkin County Records, and which is incorporated be reference herein.

Both Tracts also described as follows:

All that tract or parcel of land lying and being in Land Lot 1156, 11th District, 1st Section, Lumpkin County, Georgia and being more fully described by a plat prepared by Donald Williams, Georgia Registered Land Surveyor, dated April 24, 1989 and as per said plat, the property contains 20.663 acres, more or less, the subject plat being of record in Plat Book 18, page 186, Lumpkin County Records. Said plat is hereby incorporated by reference.

Also conveyed herein to the Grantees, their heirs, successors and assigns is a non-exclusive perpetual easement for ingress and egress along the existing roadway which forms the eastern boundary of the property, said easement leading in a northerly direction to the property of the United States Forest Service and ultimately to the Camp Wahsega Road.

(9/5, 9/12, 9/19, 9/26)

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Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Matthew Allen Dix to HomeBanc Mortgage Corporation dated 1/31/2006 and recorded in Deed Book G-37 Page 596, LUMPKIN County, Georgia records; as last transferred to Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, conveying the after-described property to secure a Note in the original principal amount of $ 66,500.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012 (October 02, 2012), the following described property:

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 1.282 acres, more or less, and being more fully described as Lot #95 on a plat of survey of the Wellington Subdivision, Phase Five, dated May 12, 1998, recorded in Plat Cabinet 1, Slide 19, Plat 179, Lumpkin County records; said plat being incorporated herein by reference for a more complete description of the property.

Said to that certain Declaration of Protective Covenants for Wellington Subdivision recorded in Deed Book Q-20, Page 78, Lumpkin County records.

Together with a 2003 Southern AK673, 28 X 52 manufactured home, Serial Number DSD4AL38385A&B which is attached to and made a part of the real property.

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

Said property is commonly known as 97 Essex Drive, Dahlonega, GA 30533 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Matthew Allen Dix or tenant or tenants.

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

Bank of America

Home Loan Assistance Dept.

7105 Corporate Drive

Plano, TX 75024

(800) 846-2222

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

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

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

Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP as agent and Attorney in Fact for Matthew Allen Dix

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-651934

(9/5, 9/12, 9/19, 9/26)

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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 Cyndi N. Durham and Richard A. Durham to Homeside Lending, Inc. dated February 28, 2002 in the amount of $91,000.00, and recorded in Deed Book Z-28, Page 97, 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 618 of the 12th District and 1st Section of Lumpkin County, Georgia, containing 1.51 acres as shown on a plat of survey recorded in Plat Book 18, Page 42, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference.

which has the property address of 184 Valley Brook Ln, 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 Cyndi N. Durham and Richard A. Durham 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

Cyndi N. Durham and Richard A. Durham

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 09-22154 /FNMA/kjenrette

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.

(9/5, 9/12, 9/19, 9/26)

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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 Richard A. Durham to Mortgage Electronic Registration Systems, Inc. as nominee for GMAC Mortgage Corporation, its successors and assigns dated February 15, 2002 in the amount of $87,750.00, and recorded in Deed Book A29, Page 69, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that parcel of land in Lumpkin County, State of Georgia, being known and designated as being in Land Lot 985 of the 12th District of the 1st Section of Lumpkin County, Georgia, containing 0.213 acres, more or less, depicted as Tract A, on a plat of survey prepared by Michael Stewart Kelley, R. L. S., of Precision Land Services, stated April 22, 1998, and recorded in Plat Cabinet 1, Slide 18, Page 150B, Lumpkin County, Georgia Records; said plat being incorporated herein by reference for a more particular description.

which has the property address of 224 Arcadia Street, 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 Richard A. Durham and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC

Attorney in Fact for

Richard A. Durham

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 07-06287 /FNMA/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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of a Power of Sale contained in that certain Deed to Secure Debt from RICHARD A. DURHAM AND CYNDI N. DURHAM, to SUNTRUST BANK, as successor by merger with Lumpkin County Bank, dated April 13, 2001, filed April 27, 2001, and recorded in Deed Book J27, Page 675, Lumpkin County, Georgia Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated May 20, 2005, filed June 2, 2005, and recorded in Deed Book V35, Page 564, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated November 27, 2006, filed December 11, 2006, and recorded in Deed Book 1017, Page 645, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated July 1, 2007, filed July 18, 2007, and recorded in Deed Book 1053, Page 508, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated December 23, 2009, filed January 15, 2010, and recorded in Deed Book 1151, Page 145, aforesaid Public Deed Records (collectively the “Security Deed”), having been given to secure a Note in the principal amount of Seventy Six Thousand Three Hundred Eighty One AND 50/100 U.S. DOLLARS ($76,381.50), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours for sale on the first Tuesday in October, 2012, the property described in said Security Deed as follows:

All that tract or parcel of land, together with improvements thereon, lying and being in Land Lot 169, 12th District, Lumpkin County, Georgia, being 1.21 acres, more or less, being shown and delineated as Lot 1, according to a plat of survey prepared for James and Rebecca Haas by Jick A. Page, Georgia Registered Land Surveyor, dated September 28, 1994, recorded in Plat Book 27, Page 88, Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of the subject property.

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

Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the parties in possession of the property are Richard A. Durham and Cyndi N. Durham, or tenant(s) thereof.

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

SunTrust Bank, as Attorney-in-Fact for Richard A. Durham and Cyndi N. Durham

Friese Legal, LLC, Attorney for SunTrust Bank

ATTN: Stephanie Friese Aron

1100 Spring Street, NW, Suite 730

Atlanta, Georgia 30309

(404) 876-4880

FRIESE LEGAL, LLC IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of a Power of Sale contained in that certain Deed to Secure Debt from RICHARD A. DURHAM AND CYNDI N. DURHAM, to SUNTRUST BANK, as successor by merger with Lumpkin County Bank, dated March 24, 2003, filed April 2, 2003, and recorded in Deed Book C31, Page 401, Lumpkin County, Georgia Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated May 20, 2005, filed June 2, 2005, and recorded in Deed Book V35, Page 580, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated November 27, 2006, filed December 11, 2006, and recorded in Deed Book 1017, Page 649, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated July 1, 2007, filed July 18, 2007, and recorded in Deed Book 1053, Page 512, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated December 23, 2009, filed January 15, 2010, and recorded in Deed Book 1151, Page 137, aforesaid Public Deed Records (collectively the “Security Deed”), having been given to secure a Note in the principal amount of Eighty One Thousand Five Hundred Thirty Three AND 00/100 U.S. DOLLARS ($81,533.00), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours for sale on the first Tuesday in October, 2012, the property described in said Security Deed as follows:

All that tract or parcel of land lying and being in Land Lot 1022, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Michael Stewart Kelley, Georgia Registered Land Surveyor, dated February 19, 1998, Revised February 23, 1998, and as per said plat, the property contains 0.563 acre, more or less, the subject plat being of record in Plat Cabinet One, Slide 18, Page 153B, Lumpkin County Records. Said plat is hereby incorporated by reference.

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

Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the parties in possession of the property are Richard Durham and Cyndi Durham, or tenant(s) thereof.

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

SunTrust Bank, as Attorney-in-Fact for Richard A. Durham and Cyndi N. Durham

Friese Legal, LLC, Attorney for SunTrust Bank

ATTN: Stephanie Friese Aron

1100 Spring Street, NW, Suite 730

Atlanta, Georgia 30309

(404) 876-4880

FRIESE LEGAL, LLC IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of a Power of Sale contained in that certain Deed to Secure Debt from RICHARD A. DURHAM AND CYNDI N. DURHAM, to SUNTRUST BANK, as successor by merger with Lumpkin County Bank, dated November 30, 1999, filed December 10, 1999, and recorded in Deed Book G24, Page 144, Lumpkin County, Georgia Public Deed Records, as amended by that certain Loan Modification Agreement dated April 13, 2000, filed August 3, 2000, and recorded in Deed Book W25, Page 256, aforesaid Public Deed Records, as amended by that certain Loan Modification Agreement dated October 1, 2001, filed November 16, 2001, and recorded in Deed Book I28, Page 521, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated February 9, 2005, filed March 4, 2005, and recorded in Deed Book H35, Page 462, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated May 20, 2005, filed June 2, 2005, and recorded in Deed Book V35, Page 584, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated November 27, 2006, filed December 11, 2006, and recorded in Deed Book 1017, Page 641, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated July 1, 2007, filed July 18, 2007, and recorded in Deed Book 1053, Page 510, aforesaid Public Deed Records, as amended by that certain Modification of Deed to Secure Debt dated December 23, 2009, filed January 15, 2010, and recorded in Deed Book 1151, Page 141, aforesaid Public Deed Records (collectively the “Security Deed”), having been given to secure a Note in the principal amount of Two Hundred Fifty Seven Thousand Two Hundred Thirty Four AND 20/100 U.S. DOLLARS ($257,234.20), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours for sale on the first Tuesday in October, 2012, the property described in said Security Deed as follows:

All that tract or parcel of land lying and being in Land Lot 1059 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 8.780 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated July 6, 1984, prepared for John W. Crisson by Michael L. Scupin, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 14, Page 11, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed is a perpetual, non-exclusive easement for ingress, egress and other legal purposes, along and with an existing graded drive running from the westerly right of way of Wimpy Mill Road to the southern East-West line of Land Lot 1059, then west along the said Southern East-West line to the southeast corner of the property set out above. Such access shall be thirty feet in width and shall be fifteen feet either side of the center line from Wimpy Mill Road to the point where the southern boundary of the easement right of way reaches the Southern East-West line, and shall be thirty feet lying adjacent to and North of the Southern East-West line until reaching said southeast corner.

This property is conveyed subject to all easements for roads and utilities in use or of record including, but not limited to, a Right of Way Easement in favor of Amicalola EMC dated May 7, 1990, which is recorded in Deed Book C-9, Page 208, Lumpkin County Records.

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

Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the parties in possession of the property are Richard A. Durham and Cyndi N. Durham, or tenant(s) thereof.

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

SunTrust Bank, as Attorney-in-Fact for Richard A. Durham and Cyndi N. Durham

Friese Legal, LLC, Attorney for SunTrust Bank

ATTN: Stephanie Friese Aron

1100 Spring Street, NW, Suite 730

Atlanta, Georgia 30309

(404) 876-4880

FRIESE LEGAL, LLC IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Steven J Ewing and Cindy L Ewing to Mortgage Electronic Registration Systems, Inc., dated August 10, 2006, recorded in Deed Book 1001, Page 94, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1197, Page 692, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY-NINE THOUSAND FOUR HUNDRED SEVENTY AND 0/100 DOLLARS ($99,470.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

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. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Steven J Ewing and Cindy L Ewing or a tenant or tenants and said property is more commonly known as 292 Emeley Drive, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP

as Attorney in Fact for

Steven J Ewing and Cindy L Ewing

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/ 10/2/12

Our file no. 5592912-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in land Lot 287 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 1.002 acres, more or less, and being more fully described and delineated on a Plat of Survey prepared for Kevin Marshall by GeoImage, LLC, Georgia Registered Land Surveyor, dated September 8, 2004, recorded in Plat Cabinet 1, Slide 105, Plat 98-A, Lumpkin County, Georgia Plat Records, which plat is incorporated herein by reference for a more complete and accurate description of the property conveyed. Together with an immovable and permanent fixture attached thereto, a 2006 Fleetwood 24 x 48 Manufactured Home, Model 3483C, Serial Number(s) GAFL535AB90706-EX11 Map and Parcel No.: 030-081 MR/ 10/2/12 Our file no. 5592912 - FT11

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Deed to Secure Debt by DIANE FARMER and RALPH FARMER to CitiFinancial Services, Inc., dated May 18, 2001 and filed for record May 31, 2001 in Deed Book N27, Page 733, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $26,131.46; last transferred to Citifinancial, Inc., a Maryland corporation by Assignment, filed for record in Deed Book 1220, Page 781, Lumpkin County, Georgia records, 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 October, 2012, by CitiFinancial, Inc. a Maryland Corporation as Attorney-in-Fact for DIANE FARMER and RALPH FARMER the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 666 of the 12th District and 1st Section of Lumpkin County, Georgia consisting of 1.13 acres, more or less, and being more fully described and delineated as per plat of survey dated April 24, 1984, prepared by David Sealle Surveyors, LTD. Which is recorded in Plat Book 14, Page 08, Lumpkin County Records and incorporated herein. Being the same property conveyed to Ralph Farmer by Fee Simple deed from Diane Farmer as set forth in Deed Book L-12, Page 246 dated 08/24/1993 and recorded 08/31/1993, Lumpkin County Records, State of Georgia.

The above described property is also known as 4798 AURARIA ROAD, DAWSONVILLE, GA 30534.

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

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

CitiFinancial, Inc. a Maryland Corporation

as Attorney-in-Fact for

DIANE FARMER and RALPH FARMER

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Joe H. Frady to Mortgage Electronic Registration Systems, Inc. as nominee for Branch Banking and Trust Company, its successors and assigns dated November 26, 2007 in the amount of $280,000.00, and recorded in Deed Book 1074, Page 1, Lumpkin County, Georgia Records; as last transferred to Branch Banking and Trust Company by assignment; the undersigned, Branch Banking and Trust Company 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 94, 1st District, originally Habersham, now Lumpkin County, Georgia and being fully described by a plat prepared by Frederick Kauffman, Georgia Registered Land Surveyor, dated December 14, 1998: and as per said plat, the property contains 4.19 acres, more or less, the subject plat being of record in Plat Cabinet One, Slide 24, Page 71A, Lumpkin County Records. Said plat is hereby incorporated by reference. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to any easements of records or easements located on the property above described.

which has the property address of 97 Grindle Brothers Road, Murrayville, 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 Joe H. Frady 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.

Branch Banking and Trust Company Attorney in Fact for

Joe H. Frady

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 12-05937 /FHLMC/mtucker

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by MICHAEL C GILSTRAP SR AND DEBORAH L GILSTRAP to FIRST HORIZON HOME LOAN CORPORATION , dated 11/21/2002, and Recorded on 12/23/2002 as Book No. N30 and Page No. 395-411, LUMPKIN County, Georgia records, as last assigned to METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $205,250.00, 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 October, 2012, the following described property: ALL THAT PARCEL OF LAND IN LUMPKIN COUNTY, STATE OF GA AS MORE FULLY DESCRIBED IN DEED BOOK T22 PAGE 108 AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 640 AND 691 IN THE 12TH DISTRICT, 1ST SECTION, OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 2.00 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED ACCORDING TO A PLAT OF SURVEY PREPARED MARCH 31, 1999, BY MICHAEL S. KELLEY, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT CABINET ONE, SLIDE 30, PLAT 189B LUMPKIN COUNTY RECORDS. ALSO CONVEYED TO THE GRANTEES, THEIR HEIRS, SUCCESSORS AND ASSIGNS, IS A NON-EXCLUSIVE, PERPETUAL EASEMENT FOR INGRESS, EGRESS AND THE INSTALLATION OF ALL NECESSARY UTILITIES 20 FEET IN WIDTH ALONG THE EXISTING GRAVEL DRIVEWAY WHICH LEADS THROUGH OTHER PROPERTY OF THE GRANTORS TO WASH RIDER ROAD ALONG THE ROUTE DEPICTED ON OF EITHER OF THEM, THEN TO THE SURVIVOR OF THEM

CONTINUATION OF SCHEDULE A, NO. 4:

APN PARCEL 087 MAP 043

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: MET LIFE HOME LOANS, A DIVISION OF METLIFE BANK NA, 1555 W. Walnut Hill Lane, Foreclosure Suite 200, IRVING, TX 75038, 214-441-4000. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA holds the note and security deed to your property and services your loan on behalf of Federal National Mortgage Association (FNMA), the current owner of your loan. METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA is the secured creditor of your loan.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 778 WASH RIDER STREET, DAHLONEGA, GEORGIA 30533 is/are: MICHAEL C GILSTRAP SR AND DEBORAH L GILSTRAP 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.

METLIFE HOME LOANS A DIVISION OF METLIFE BANK NA

as Attorney in Fact for

MICHAEL C GILSTRAP SR AND DEBORAH L GILSTRAP.

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

20120034600069

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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

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

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

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

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

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

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

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

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

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

Taylor English Duma LLP

1600 Parkwood Circle, Suite 400

Atlanta, Georgia 30339

Attn: Paul G. Durdaller, Esq.

(678) 336-7174

EXHIBIT “A”

Tract 1:

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

Tract 2:

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

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in that certain Deed to Secure Debt (hereinafter the “Security Deed”) from Hidden Lake Academy, Inc. to Morris Law Firm (a Limited Liability Company) (“Lender”), dated October 26, 2007, recorded at Deed Book 1069, Page 744, Lumpkin County, Georgia records, as corrected at Deed Book 1121, Page 224 aforesaid records; said Security Deed being given to secure indebtedness under that certain Secured Promissory Note (hereinafter the “Note”) from Hidden Lake Academy, Inc. to Lender, dated October 26, 2007, in the original principal amount of TWO HUNDRED FIFTY THOUSAND AND NO/100 DOLLARS ($250,000.00), with interest on the unpaid balance from the date thereof until maturity or until paid, together with all other amounts payable with respect thereto; there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Dahlonega, Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the property being more fully described as follows:

All that tract or parcel of land lying and being in Land Lot 944, 11th Land District, 1st Section, Lumpkin County, Georgia, and being 3.99 acres as shown on that certain survey entitled “Plat of Survey for Leonard A. Buccellato” prepared by Michael Stewart Kelley, Georgia Registered Land Surveyor (R.L.S. #2313), and being more particularly described as follows:

TO FIND THE POINT OF BEGINNING, begin at a one inch square pipe, being 1121.06 feet East of the northwest corner of Land Lot 944 and on the Land Lot line between Land Lot 944 and Land Lot 929, and being the POINT OF BEGINNING; thence South 21° 31’ 53” West 121.26 feet to a one-half inch rebar found; thence South 09° 22’ 46” West 165.57 feet to a one-half inch rebar found; thence South 24° 57’ 03” West 130.51 feet; thence South 28° 36’ 05” West 80.69 feet; thence South 11° 10’ 19” East 34.82 feet; thence South 03° 40’ 13” East 41.27 feet; thence South 43° 56’ 37” West 62.23 feet; thence South 62° 35’ 21” West 51.50 feet; thence South 73° 47’ 57” West 56.12 feet; thence South 46° 48’ 13” West 59.14 feet; thence South 58° 04’ 13” West 75.33 feet; thence North 55° 18’ 02” West 159.88 feet; thence North 34° 34’ 32” East 279.26 feet to a one-half inch rebar found; thence North 21° 43’ 42” East 352.94 feet to a one-half inch rebar found; thence North 40° 47’ 51” East 99.21 feet to a one-half inch rebar found on the northern line of Land Lot 944; thence South 84° 09’ 10” East 184.06 feet to a one inch square pipe being the POINT OF BEGINNING.

The debt secured by said Note and Security Deed has been and is hereby declared due and payable in full because of, among other possible events of default, non payment of principal and interest owed in accordance with the terms of the Note and the Security Deed. The indebtedness remaining in default, this sale will be made for purposes of paying the same and all expenses of this sale, including attorney’s fees.

To the best knowledge and belief of the undersigned, the subject property is in the possession of Hidden Lake Academy, Inc. or parties claiming by, through or under Hidden Lake Academy, Inc.

Said property will be sold as the property of Hidden Lake Academy, Inc. on an “as is, where is” basis, without recourse and without representation or warranty, express or implied, of any nature whatsoever with respect thereto and will be sold subject to all unpaid taxes, assessments, and any superior items of record, as well as any matters as would be revealed by an accurate survey and inspection of the subject property.

Morris Law Firm (a Limited Liability Company),

As Attorney in Fact for Hidden Lake Academy, Inc.

c/o Stephanie B. Skidmore, Esq.

Hartman Simons & Wood LLP

6400 Powers Ferry Road, N.W.

Suite 400

Atlanta, Georgia 30339

(770) 955-3555

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

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Deed to Secure Debt by Richard Ivy and Sylvia H. Ivy to Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for GreenPoint Mortgage Funding, Inc., dated April 24, 2002 and filed for record May 20, 2002 in Deed Book I29, Page 293, Lumpkin County, Georgia records, and securing a Note in the original principal amount of $255,000.00; last transferred to Capital One, N.A. by Assignment, filed for record in Deed Book 1211, Page 6, Lumpkin County, Georgia records, 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 October, 2012, by Capital One, N.A. as Attorney-in-Fact for Richard Ivy and Sylvia H. Ivy the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 724 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING A 10.0 ACRE TRACT AS SHOWN ON PLAT OF SURVEY PREPARED FOR RICHARD IVY AND SYLVIA H. IVY BY APPALACHIAN SURVEY CO., REGISTERED LAND SURVEYORS, DATED JANUARY 18, 1999, LAST REVISED 3/5/99 AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT A POINT WHICH IS LOCATED SOUTH 22 DEGREES 25 MINUTES 29 SECONDS WEST A DISTANCE OF 340.23 FEET FROM A CONCRETE MONUMENT FOUND AT THE COMMON CORNER OF LAND LOTS 723, 724, 747 AND 748, SAID DISTRICT, SECTION AND COUNTY, AND RUNNING THENCE SOUTH 34 DEGREES 15 MINUTES 05 SECONDS WEST A DISTANCE OF 933.38 FEET TO A POINT; RUNNING THENCE NORTH 55 DEGREES 44 MINUTES 55 SECONDS WEST A DISTANCE OF 466.69 FEET TO A POINT; RUNNING THENCE NORTH 34 DEGREES 15 MINUTES 05 SECONDS EAST A DISTANCE OF 933.38 FEET TO A POINT; RUNNING THENCE SOUTH 55 DEGREES 44 MINUTES 55 SECONDS EAST A DISTANCE OF 466.69 FEET TO A POINT WHICH IS THE POINT OF BEGINNING; ALSO CONVEYED HEREWITH IS A 20 FOOT PERPETUAL NON-EXCLUSIVE EASEMENT FOR INGRESS AND EGRESS FROM AURARIA ROAD TO THE ABOVE DESCRIBED PROPERTY; SAID EASEMENT BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

TO FIND THE TRUE POINT OF BEGINNING, BEGIN AT THE COMMON CORNER OF LAND LOTS 723, 724, 747 AND 748 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA AND RUNNING THENCE SOUTH 22 DEGREES 25 MINUTES 29 SECONDS WEST A DISTANCE OF 340.23 FEET TO A POINT; RUNNING THENCE SOUTH 34 DEGREES 15 MINUTES 05 SECONDS WEST A DISTANCE OF 933.38 FEET TO A POINT; RUNNING THENCE NORTH 55 DEGREES 44 MINUTES 55 SECONDS WEST A DISTANCE OF 466.69 FEET TO A POINT; RUNNING THENCE NORTH 34 DEGREES 15 MINUTES 05 SECONDS EAST A DISTANCE OF 170.50 FEET TO A POINT WHICH IS THE TRUE POINT OF BEGINNING; FROM SAID TRUE POINT OF BEGINNING THUS ESTABLISHED, RUNNING THENCE NORTH 65 DEGREES 58 MINUTES 12 SECONDS WEST A DISTANCE OF 48.35 FEET TO A POINT; RUNNING THENCE NORTH 60 DEGREES 55 MINUTES 21 SECONDS WEST A DISTANCE OF 69.78 FEET TO A POINT; RUNNING THENCE NORTH 78 DEGREES 16 MINUTES 08 SECONDS WEST A DISTANCE OF 58.08 FEET TO A POINT; RUNNING THENCE NORTH 52 DEGREES 37 MINUTES 39 SECONDS WEST A DISTANCE OF 55.14 FEET TO POINT; RUNNING THENCE NORTH 64 DEGREES 43 MINUTES 22 SECONDS WEST A DISTANCE OF 29.31 FEET TO A POINT; RUNNING THENCE NORTH 54 DEGREES 21 MINUTES 39 SECONDS WEST A DISTANCE OF 46.97 FEET TO A POINT; RUNNING THENCE NORTH 41 DEGREES 24 MINUTES 37 SECONDS WEST A DISTANCE OF 83.43 FEET TO A POINT; RUNNING THENCE NORTH 54 DEGREES 33 MINUTES 42 SECONDS WEST A DISTANCE OF 34.47 FEET TO A POINT; RUNNING THENCE NORTH 73 DEGREES 13 MINUTES 12 SECONDS WEST A DISTANCE OF 30.35 FEET TO A POINT; RUNNING THENCE SOUTH 77 DEGREES 25 MINUTES 49 SECONDS WEST A DISTANCE OF 23.60 FEET TO A POINT; RUNNING THENCE SOUTH 58 DEGREES 58 MINUTES 40 SECONDS WEST A DISTANCE OF 28.04 FEET TO A POINT; RUNNING THENCE SOUTH 63 DEGREES 44 MINUTES 55 SECONDS WEST A DISTANCE OF 26.17 FEET TO A POINT; RUNNING THENCE SOUTH 83 DEGREES 55 MINUTES 20 SECONDS WEST A DISTANCE OF 41.78 FEET TO A POINT ON THE SOUTHEASTERLY RIGHT OF WAY OF AURARIA ROAD (100` R/W); RUNNING THENCE NORTHEASTERLY ALONG THE SOUTHEASTERLY RIGHT OF WAY OF AURARIA ROAD AND FOLLOWING THE CURVATURE THEREOF AN ARC DISTANCE OF 20.63 FEET (SAID ARC BEING SUBTENDED BY A CHORD BEARING NORTH 08 DEGREES 06 MINUTES 29 SECONDS EAST A DISTANCE OF 20.63 FEET) TO A POINT; RUNNING THENCE NORTH 83 DEGREES 55 MINUTES 20 SECONDS EAST A DISTANCE OF 33.17 FEET TO A POINT; RUNNING THENCE NORTH 63 DEGREES 44 MINUTES 55 SECONDS EAST A DISTANCE OF 21.78 FEET TO A POINT; RUNNING THENCE NORTH 58 DEGREES 58 MINUTES 40 SECONDS EAST A DISTANCE OF 30.46 FEET TO A POINT; RUNNING THENCE NORTH 77 DEGREES 25 MINUTES 49 SECONDS EAST A DISTANCE OF 32.08 FEET TO A POINT; RUNNING THENCE SOUTH 73 DEGREES 13 MINUTES 12 SECONDS EAST A DISTANCE OF 38.88 FEET TO A POINT; RUNNING THENCE SOUTH 54 DEGREES 33 MINUTES 42 SECONDS EAST A DISTANCE OF 40.06 FEET TO A POINT; RUNNING THENCE SOUTH 41 DEGREES 24 MINUTES 37 SECONDS EAST A DISTANCE OF 83.47 FEET TO A POINT; RUNNING THENCE SOUTH 54 DEGREES 21 MINUTES 39 SECONDS EAST A DISTANCE OF 42.89 FEET TO A POINT; RUNNING THENCE SOUTH 64 DEGREES 43 MINUTES 22 SECONDS EAST A DISTANCE OF 29.62 FEET TO A POINT; RUNNING THENCE SOUTH 52 DEGREES 37 MINUTES 39 SECONDS EAST A DISTANCE OF 52.71 FEET TO A POINT; RUNNING THENCE SOUTH 78 DEGREES 16 MINUTES 08 SECONDS EAST A DISTANCE OF 56.58 FEET TO A POINT; RUNNING THENCE SOUTH 60 DEGREES 55 MINUTES 21 SECONDS EAST A DISTANCE OF 71.95 FEET TO A POINT; RUNNING THENCE SOUTH 65 DEGREES 58 MINUTES 12 SECONDS EAST A DISTANCE OF 51.07 FEET TO A POINT; RUNNING THENCE SOUTH 34 DEGREES 15 MINUTES 05 SECONDS WEST A DISTANCE OF 20.32 FEET TO A POINT, SAID POINT BEING THE TRUE POINT OF BEGINNING.

The above described property is also known as 1701 Auraria 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 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:

Capital One, N.A.

Attn: Loss Mitigation

7933 Preston Road

Plano, TX 75024

Telephone: 1-877-230-8516

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

Capital One, N.A.

as Attorney-in-Fact for

Richard Ivy and Sylvia H. Ivy

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.

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Van L. Loggins and Adrienne Wilder to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated September 17, 2007 in the amount of $208,000.00, and recorded in Deed Book 1066, Page 25, Lumpkin County, Georgia Records; as last transferred to CENLAR FSB by assignment; the undersigned, CENLAR FSB 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 94 of the 1st District, Lumpkin County, Georgia, containing 2.380 acres, more or less, together with all improvements located thereon, and being more fully described and delineated according to a plat of survey dated February 14, 2002, prepared by John T. Gaston, Georgia Registered Surveyor, which is recorded in Plat Cabinet One, Slide 91, Plat 02-B, Lumpkin County, Georgia records. Which plat is incorporated herein and made a part hereof by reference.

which has the property address of 425 Grindle Brothers Road, Murrayville, 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 Van L. Loggins and Adrienne Wilder 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.

CENLAR FSB

Attorney in Fact for

Van L. Loggins and Adrienne Wilder

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 12-04784 /FHLMC/kgrant

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.

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of the default in the payment of a note executed by TIMOTHY W. LUTHER and DIANE C. LUTHER in favor of GENERATIONS BANK, now known as CADENCE BANK, N.A., successor by merger with Seasons Bank, in the original principal amount of $61,750.00 secured by a Deed to Secure Debt executed by TIMOTHY W. LUTHER and DIANE C. LUTHER to GENERATIONS BANK, dated April 7, 2003, recorded in Deed Book F31, pages 354-358, Lumpkin County, Georgia Deed Records, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in October, 2012, during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land and all improvements thereon, the property described as follows:

All that tract or parcel of land lying and being in Land Lot 99 in the 4th District, originally of Habersham, and now of Lumpkin County, Georgia, containing 13.06 acres, more or less, and being more fully described and delineated according to a plat of survey prepared May 14, 1987, last revised June 11, 1987, by Hubert Lovell, Georgia Registered Surveyor, which is recorded in Plat Book 15, page 218, Lumpkin County Records, and which is incorporated by reference herein. This is the same property that was conveyed to Timothy W. Luther and Diane C. Luther under a Warranty Deed from Noel E. Baughman and Linda Baughman dated October 18, 2000, which is recorded in Deed Book L-26, pages 196-197, Lumpkin County Records. This property is conveyed along with all existing easement rights, specifically including those easement rights included in a Warranty Deed from Homer Lee Anderson to Noel E. Baughman and Linda Baughman dated October 18, 2000, which is recorded in Deed Book L-26, pages 196-197, Lumpkin County Records, and together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above. This property is also conveyed along with and subject to all existing easements and restrictions of record.

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

The indebtedness remaining in default, the sale will be made for the purpose of applying proceeds thereof to the payment of the indebtedness secured by the Deed to Secure Debt, accrued interest and expenses of the sale and other sums secured by the Deed to Secure Debt, and the remainder, if any, shall be applied as permitted by law.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is Cadence Bank, N.A., P.O. Box 1187, Starkville, MS 39760, (662-320-8343). Please understand that the secured creditor is not required by law to negotiate, amend or modify the terms of the mortgage instrument.

To the best of the undersigned’s knowledge and belief the property is in the possession of TIMOTHY W. LUTHER and DIANE C. LUTHER and said property will be sold as the property of TIMOTHY W. LUTHER and DIANE C. LUTHER. 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 Deed to Secure Debt.

The undersigned will execute a deed to the purchaser as authorized in the aforementioned Deed to Secure Debt.

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

CADENCE BANK, N.A.,

As Attorney in Fact for

TIMOTHY W. LUTHER and DIANE C. LUTHER

D. Thomas LeFevre

Stewart, Melvin & Frost, LLP

P. O. Box 3280

Gainesville, GA 30503

770-536-0101

(9/5, 9/12, 9/19, 9/26)

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State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Security Deed from Alvin Martin and Christina Martin to Long Beach Mortgage Company dated April 8, 2003 recorded in Deed Book X31, Page 4-15 , Lumpkin County Records, and last assigned to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2003-3, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-EIGHT THOUSAND AND 00/100 ($198,000.00), 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, during the legal hours of sale on the first Tuesday, October 2, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 118 of the 1st District of Lumpkin County, Georgia, being Lot 7 of Wagon Creek as shown on plat of survey recorded in Plat Book 22, Page 137, Lumpkin County, Georgia Records. Which plat is incorporated herein and made a part hereof by reference.

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

Said property will be sold subject to any outstanding ad valorem taxes, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property Alvin Martin and Christina Martin or, a tenant or tenants, and said property was or is commonly known as 343 Cherokee Trace, Dahlonega, GA, 30533.

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

Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2003-3

As Attorney in Fact for

Alvin Martin and Christina Martin

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 12-13920

Publication Dates: September 5, 12, 19, 26, 2012

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(9/5, 9/12, 9/19, 9/26)

gpn11

Notice of Sale under Power

GEORGIA, LUMPKIN COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by Charles M Mathis and Michelle A Mathis to Mortgage Electronic Registration Systems, Inc., dated October 12, 2006, recorded in Deed Book 1011, Page 488, Lumpkin County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded in Deed Book 1216, Page 107, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-SEVEN THOUSAND AND 0/100 DOLLARS ($157,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Suntrust Mortgage, Inc., 1001 Semmes Avenue, Richmond, VA 23224, 866-384-0903. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Charles M Mathis and Michelle A Mathis or a tenant or tenants and said property is more commonly known as 5054 Camp Wahsega Rd, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

SunTrust Mortgage, Inc.

as Attorney in Fact for

Charles M Mathis and Michelle A Mathis

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/sju 10/2/12

Our file no. 5

840612-FT15

EXHIBIT “A” All that tract or parcel of land lying and being in the 11th District and the 1st Section of Lumpkin County, Georgia, being 5.87 Acres, more or less, located in Land Lots 1215 and 1216 of said District and Section, and being more particularly described as follows: Beginning a the intersection of original line of the Westside of said Lot No. 1215 with the Northerly right of way of Camp Wahsega Road; running thence North 00 Degrees 28 minutes east along the original line 480.99 feet to an iron pin; running thence South 89 Degrees 08 minutes West 429.82 Feet to an iron pin on the Northeasterly right of way of the Pleasant Hill Church Road; running thence North 38 Degrees 15 minutes West along the Church Road 114.45 feet to the original line of the North side of Lot No. 1216; running thence South 89 Degrees 22 minutes East along the original line of the North side of said Lot No. 1216, Passing the original corner and then along the original line of the North side of Lot No. 1215 a distance of 919.56 feet to an iron pin; running thence South 05 Degrees 15 minutes West 539.84 feet to an iron pin on the Northerly right of way of the Camp Wahsega Road; running thence South 87 Degrees 25 minutes West along the right of way of the Northerly side of the camp Wahsega Road 373.73 feet to an iron pin at the original line at the point of beginning. The conveyance is made subject to easements for public records and utilities now in use. This conveyance is made subject to any easements of record for easements located on the property above described. Being the same property conveyed to Charles Michael Mathis and Michelle Anne Mathis, as Joint Tenants with Rights of Survivorship by Deed from Parks Lumber and Building Supply, Inc. recorded 09/09/1997 in Deed Book J-18 Page 199, in the Office of the Clerk of the Superior Court of Lumpkin County, Georgia. MR/sju 10/2/12 Our file no. 5840612 - FT15

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Pursuant to the Power of Sale contained in a Security Deed given by Florence A. Mcintyre to Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Home Loans, Inc. dated 4/2/2007 and recorded in Deed Book 1036 Page 468-479, LUMPKIN County, Georgia records; as last transferred to Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, conveying the after-described property to secure a Note in the original principal amount of $ 64,706.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012 (October 02, 2012), the following described property:

All that tract or parcel of land lying and being in Land Lot 73 of the 11th District, originally Hall now Lumpkin County, Georgia, consisting of 1.00 acres, more or less, being more fully described and delineated as Lot 11 on a plat of survey of Phase One, Camelot, dated April 25, 1985, prepared by Michael L. Scupin, Georgia Registered Surveyor #1967, recorded in Plat book 13, page 95, Lumpkin County Records, and said plat is incorporated by reference herein.

This conveyance is made subject to that certain Camelot Mobile Home Community Declaration of Protective and Restrictive Covenants for the Camelot Subdivision recorded in Deed Book B-5, pages 727- 731, Lumpkin County Records.

The Grantees herein recognize 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 grantees herein hereby agree that they will be responsible for their 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. The above-described property is a portion of the same property conveyed to Harry C. Whitehead, d/b/a Mariah Development Company, executed by William E. Reed, III, and Dorothy O. Reed, recorded in Deed Book W-4, pages 743-744, Lumpkin County Records.

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

Said property is commonly known as 199 Lancelot Road, Dahlonega, GA 30533 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Kenneth A McIntyre and Florence A. Mcintyre or tenant or tenants.

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

Bank of America

Home Loan Assistance Dept.

7105 Corporate Drive

Plano, TX 75024

(800) 846-2222

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

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

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

Bank of America, N.A., sbm to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP as agent and Attorney in Fact for Florence A. Mcintyre

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-651875

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of the default in the payment of a note executed by Richard S. Morris and Patrica R. Morris secured by a deed to secure debt executed by Richard S. Morris and Patrica R. Morris to Mariah Construction, LLP., dated July 27, 2008, and recorded in the Clerk’s Office of Lumpkin County, Georgia, in Deed Book 1102, pages 703-704, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in October, 2012 during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land described in said deed, to wit:

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 1.010 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT #184 ON A PLAT OF SURVEY OF THE WELLINGTON SUBDIVISION, PHASE TWO, PREPARED BY DONALD REX JONES, REGISTERED GEORGIA LAND SURVEYOR #2396, DATED DECEMBER 4, 1995, AND RECORDED IN PLAT BOOK 29, PAGE 155, LUMPKIN COUNTY RECORDS, SAID PLAT IS INCORPORATED REFERENCE HEREIN.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR THE WELLINGTON SUBDIVISION, WHICH IS RECORDED IN DEED BOOK C16, PAGES 194-196, LUMPKIN COUNTY RECORDS.

To the best knowledge and belief of the undersigned, the physical address of the above described property is 456 FLANDERS ROAD, DAHLONEGA, GEORGIA 30533

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the note secured by said deed to secure debt.

This sale will be held subject to any unpaid taxes or other assessments which may be liens against said property.

Said property will be sold as the property of Richard S. Morris and Patrica R. Morris, and the proceeds of said sale shall be applied first to the payment in full of said indebtedness, next, to the payment of all expenses connected with said sale, and the remainder, if any, shall be paid as provided in said deed to secure debt.

Angela Grant Clark, Attorney at Law Mariah Construction, LLP., as Attorney in fact for Richard S. Morris and Patricia R. Morris

121 Lumpkin County Parkway

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the power of sale contained in a Security Deed from MICHAEL A. OGG and PAMELA WILLIAMS-OGG to UNITED COMMUNITY BANK, dated December 21, 2007, recorded December 21, 2007, in Deed Book 1076, Page 409, Lumpkin County, Georgia records, as last modified by Modification of Security Deed dated December 14, 2009, recorded in Deed Book 1155, Page 702, Lumpkin County, Georgia records, said Security Deed being given to secure a Note from MICHAEL A. OGG dated December 14, 2009, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 45, 13th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Richard J. Webb, Georgia Registered Land Surveyor, dated January 30, 2003: and as per said plat, the property is more particularly described as Lot 12 of Parks Ridge Subdivision. The subject plat being of record in Plat Cabinet One, Slide 82, Plat 36, Lumpkin County Records. Said plat is hereby incorporated by reference.

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

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

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is MICHAEL A. OGG and PAMELA WILLIAMS-OGG or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for MICHAEL A. OGG and PAMELA WILLIAMS-OGG

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03359

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the power of sale contained in a Security Deed from MICHAEL A. OGG a/k/a MICHAEL ALLAN OGG to UNITED COMMUNITY BANK, dated December 21, 2007, recorded December 21, 2007, in Deed Book 1076, Page 418, Lumpkin County, Georgia records, as last modified by Modification of Security Deed dated December 14, 2009, recorded in Deed Book 1150, Page 670, Lumpkin County, Georgia records, said Security Deed being given to secure a Note from MICHAEL A. OGG dated December 14, 2009, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 318, 12th District, Lumpkin County, Georgia and being fully described by a plat prepared by Ringo and Sadler, Georgia Registered Land Surveyor, and as per said plat, the property is more particularly described as Lot 67, Castleberry Ridge Subdivision. The subject plat being of record in Plat Cabinet One, Slide 128, Plat 151, Lumpkin County Records. Said plat is hereby incorporated by reference.

This conveyance is made subject to the Restrictive Covenants for Castleberry Ridge Subdivision as recorded in Deed Book M-37, page 732, Lumpkin County Records, and amendments thereto.

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

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

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is MICHAEL A. OGG a/k/a MICHAEL ALLAN OGG or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for MICHAEL A. OGG a/k/a MICHAEL ALLAN OGG

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03340

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Holly E Owens and Robb A Owens to Mortgage Electronic Registration Systems, Inc. as nominee for AHM Mortgage, its successors and assigns dated March 30, 2007 in the amount of $186,500.00, and recorded in Deed Book 1035, Page 677, 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 October, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 150, 11th District, Lumpkin County, Georgia and being more particularly described as follows:

Beginning at the Corps of Engineers concrete marker found with iron plat #150-7 located above the high water mark on the Easterly side of the Chestatee River; thence running North 89 degrees 33 minutes 21 seconds East a distance of 100.32 feet to an iron pin found; thence running South 81 degrees 02 minutes 28 seconds East a distance of 24.91 feet to an iron pin set; thence running South 00 degrees 24 minutes 49 seconds West a distance of 222.32 feet to an iron pin found; thence running North 27 degrees 22 minutes 59 seconds West a distance of 50.78 feet to an iron pin found; thence running South 56 degrees 41 minutes 00 seconds West a distance of 84.62 feet to an iron pin set; thence running North 51 degrees 11 minutes 51 seconds West a distance of 164.76 feet to an iron pin set; thence running North 36 degrees 44 minutes 36 seconds East a distance of 158.42 feet to a corps of engineers concrete marker found with iron plat #150-7 and the Point of Beginning; said tract containing 0.819 acres, more or less, all as shown on survey dated September 20, 2006, Drawing Number P-11-4, certified by David M. Mock, GRLS No. 2761.

Together with and subject to without representation or warranty, an easement for ingress and egress along a gravel road known as Fox Hollow Road, and grantees agree to be responsible for grantee`s share of the upkeep and maintenance of said road.

which has the property address of 834 Fox Hollow Road, 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 Holly E Owens and Robb A Owens 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

Holly E Owens and Robb A Owens

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:09-05-2012, 09-12-2012, 09-19-2012, 09-26-2012

File No. 12-05141 /FHLMC/kgrant

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Because of the default in the payment of a note executed by Kurt Raftelis secured by a deed to secure debt executed by Kurt Raftelis to Bob Pickelseimer and Virginia Pickelseimer. dated May 14, 2002, and recorded in the Clerk’s Office of Lumpkin County, Georgia, in Deed Book I29, pages 712-717, the undersigned has declared the full unpaid amount of the indebtedness secured by said deed due and payable, and acting under the power of sale contained in said deed, for the purpose of paying said indebtedness, will on the first Tuesday in October, 2012 during the legal hours of sale at the Courthouse in Lumpkin County, Georgia, sell at public outcry to the highest bidder for cash, the land described in said deed, to wit:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 850, 12th DISTRICT, 1st SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY MICHAEL STEWART KELLEY, GEORGIA REGISTERED LAND SURVEYOR, DATED NOVEMBER 14, 1996: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 0.377 ACRE, MORE OR LESS, BEING MORE PARTICULARLY DESCRIBED AS A PORTION OF LOT 7, R. A. GRIFFIN SUBDIVISION. THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 30, PAGE 129, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.

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

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

To the best knowledge and belief of the undersigned, the physical address of the above described property is 52 CANE CREEK VALLEY ROAD, DAHLONEGA, GA. 30533.

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the note secured by said deed to secure debt.

This sale will be held subject to any unpaid taxes or other assessments which may be liens against said property.

Said property will be sold as the property of Kurt Raftelis, and the proceeds of said sale shall be applied first to the payment in full of said indebtedness, next, to the payment of all expenses connected with said sale, and the remainder, if any, shall be paid as provided in said deed to secure debt.

Bob Pickelseimer and Virginia Pickelseimer., as Attorney in fact for Kurt Raftelis

Angela Clark, Attorney at Law

P.O. Box 611

Dahlonega, GA 30533

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Florella Carrie Rayner to Family Mortgage And Investments, Inc., dated December 7, 2000, recorded in Deed Book U26, Page 97, Lumpkin County, Georgia Records, as last transferred to JPMorgan Chase Bank, National Assocation by assignment recorded in Deed Book 1211, Page 553, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY THOUSAND EIGHT HUNDRED AND 0/100 DOLLARS ($160,800.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property:

All that tract or parcel of land, together with improvements, thereon, situate, lying ad being in Land Lot 194 of the 12th Land District, 1st Section, of Lumpkin County, Georgia, and being 9.80 acres as more particularly described on that plat of survey for Florella Carrie Rayner, prepared by Geoimage, LLC, Georgia Registered Land Surveyor, dated February 10, 2000, and recorded in Plat Cabinet 1, Slide 47, Page 122A of the Lumpkin County, Georgia Plat Records. Said plat is incorporated herein by reference for a more complete description of the property.

Also conveyed herein is a 30-foot easement for ingress and egress from the subject property to Sheep Wallow Road. 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).

JPMorgan Chase Bank, National Association holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association (“Fannie Mae”). “JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Toni Hamilton, Margaret A. King, Sinthea D. Woodall, Bruce W. Rayner, Christopher Rayner, Bruce “Shawn” Rayner and Benton Steven Rayner or a tenant or tenants and said property is more commonly known as 398 Braeburn 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.

JPMorgan Chase Bank, National Association

as Attorney in Fact for

Florella Carrie Rayner

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181 www.jflegal.com

MSP/ 10/2/12

Our file no. 1447211-FT20

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Diane Roddy to Mortgage Electronic Registration Systems, Inc., dated December 5, 2006, recorded in Deed Book 1017, Page 565, Lumpkin County, Georgia Records and as re-recorded in Deed Book 1022, Page 76, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1170, Page 170, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-TWO THOUSAND NINE HUNDRED FOURTEEN AND 0/100 DOLLARS ($132,914.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

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. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Diane Roddy or a tenant or tenants and said property is more commonly known as 329 Summer Glen 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, formerly known as Countrywide Home Loans Servicing, LP

as Attorney in Fact for

Diane Roddy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/sdw 10/2/12

Our file no. 52263710-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, being Tract 1, containing 1.72 acres on Summer Glen Road as per plat of survey recorded at Plat Cabinet 1, Slide 91, Page 16, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Also conveyed herewith: A 2004 Horton “Boss” Manufactured Home, 30 X 68, VIN # GEO 1403359 and GEO 1403360. MR/sdw 10/2/12 Our file no. 52263710 - FT11

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

By virtue of the power of sale contained in a Deed to Secure Debt by BRENT LEE SAWYER and CRYSTAL CHRISTINE SAWYER to Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for First National Bank of NAssau County, dated December 22, 2008 and filed for record December 30, 2008 in Deed Book 1116, Page 298, as supplemented by that certain Affidavit recorded August 1, 2012 in Deed Book 1220, page 57 Lumpkin County, Georgia records, and securing a Note in the original principal amount of $161,848.00; last transferred to CitiMortgage, Inc. by Assignment, filed for record in Deed Book 1217, Page 506, Lumpkin County, Georgia records, 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 October, 2012, by CitiMortgage, Inc. as Attorney-in-Fact for BRENT LEE SAWYER and CRYSTAL CHRISTINE SAWYER the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 847 of the 5th District, 1st Section of Lumpkin County, Georgia, designated as Lot 18 of Mill Creek Station, as shown on plat recorded in Plat

Cabinet 1-119, Page 178, Lumpkin County, Georgia records; said plat being incorporated herein by reference for a more complete description.

The above described property is also known as 413 PINE TREE DRIVE, DAWSONVILLE, GA 30534.

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 CitiMortgage, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

CitiMortgage, Inc.

as Attorney-in-Fact for

BRENT LEE SAWYER and CRYSTAL CHRISTINE SAWYER

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.

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the Power of Sale contained in a Security Deed given by Dominic A. Smallwood and Dorothy C. Smallwood to FT Mortgage Companies d.b.a. HomeBanc Mortgage Corporation, dated October 15, 1999, recorded in Deed Book Y23, Page 186, Lumpkin County, Georgia Records, last assigned to First Horizon Home Loans, a division of First Tennessee Bank National Association, conveying the after-described property to secure a Note in the original principal amount of Seventy-Eight Thousand Nine Hundred and 00/100 DOLLARS ($78,900.00), with interest thereon as set forth therein, 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 October, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Nationstar Mortgage, LLC, 350 Highland Drive, Lewisville, TX 75067 AND 972-956-6203. Please understand that the secured creditor is not required by law 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, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The 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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Dominic A. Smallwood and Dorothy C. Smallwood or a tenant or tenants and said property is more commonly known as 7952 Dawsonville Highway, Dawsonville, GA 30506.

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

as Attorney in Fact for

Dominic A. Smallwood and Dorothy C. Smallwood

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000554-12

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

ALL THAT TRACT AND OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 108 AND 109 OF THE 12TH DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY ALBERT N. WYNN, JR., GA. RLS, DATED APRIL 7, 1987 AND BEING RECORDED IN PLAT BOOK 17, PAGE 282 OF LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS HEREBY INCORPORATED HEREIN BY REFERENCE.

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

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

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 Scott Sugarman and Helen E. Horner to Mortgage Electronic Registration Systems, Inc., dated December 13, 2007, recorded in Deed Book 1079, Page 445, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 1204, Page 203, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY-ONE THOUSAND SIX HUNDRED THREE AND 0/100 DOLLARS ($91,603.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in October, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

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. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Scott M. Sugarman or a tenant or tenants and said property is more commonly known as 57 Tracy Grizzle 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you.

Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP

as Attorney in Fact for

Scott Sugarman and Helen E. Horner

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net MR/ 10/2/12

Our file no. 5400912-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 429, 15th District, 1st Section Lumpkin County, Georgia and being fully described by a plat prepared by Douglas R. Sherrill, Georgia Registered Land Surveyor, dated December 6, 2006; and as per said plat, the property contains 1.01 acres, more or less, being more particularly described as Lot 1, the subject plat being of record in plat Cabinet One, Slide 142, Plat 25, Lumpkin County Records. Said Plat is hereby incorporated by reference. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to any easements of records or easements located on the property above described. MR/ 10/2/12 Our file no. 5400912 - FT11

(9/5, 9/12, 9/19, 9/26)

gpn11

State of Georgia, County of Lumpkin

Notice of Sale under Power

Under and by virtue of the power of sale contained with that certain Deed to Secure Debt dated April 28, 2008, from Frances J Thomas and Tracy R Thomas to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., recorded on May 8, 2008 in Deed Book 1093 at Page 325, Lumpkin County, Georgia Records, having been last sold, assigned, transferred and conveyed to JPMorgan Chase Bank, National Association by Assignment and said Deed to Secure Debt having been given to secure a note dated April 28, 2008, in the amount of $143,106.00, said note being in default, the undersigned will sell at public outcry during the legal hours of sale before the door of the courthouse of Lumpkin County, Georgia, on October 2, 2012, the following described real property (hereinafter referred to as the “Property”):

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 298 AND 297 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 2 OF ETOWAH WEST SUBDIVISION, PER PLAT OF SAME AS RECORDED IN PLAT BOOK 27, PAGE 185, LUMPKIN COUNTY, GEORGIA RECORDS. WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE.

The debt secured by the Security Deed and evidenced by the note and has been, and is hereby, declared due and payable because of, among other possible events of default, failure to make the payments as required by the terms of the Note. The debt remaining is in default and this sale will be made for the purposes of paying the Deed to Secure Debt, accrued interest, and all expenses of the sale, including attorneys’ fees. Notice of intention to collect attorneys’ fees has been given as provided by law. To the best of the undersigned’s knowledge, the person(s) in possession of the property is/are Frances J Thomas and Tracy R Thomas.

The property, being commonly known as 47 Etowah Drive, Dahlonega, GA 30533 in Lumpkin County, will be sold as the property of Frances J Thomas and Tracy R Thomas, subject to any outstanding ad valorem taxes (including taxes which are a lien and not yet due and payable), any matters affecting title to the property which would be disclosed by accurate survey and inspection thereof, and all assessments, liens, encumbrances, restrictions, covenants, and matters of record to the Security Deed.

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: JP Morgan Chase Bank, National Association, 7757 Bayberry Road, Jacksonville, FL 32256, 1-866-349-3540 . The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under U.S. Bankruptcy code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

Albertelli Law Attorney for JPMorgan Chase Bank, National Association

as Attorney in Fact for

Frances J Thomas and Tracy R Thomas

100 Galleria Parkway, Suite 960 Atlanta, GA 30339

Phone: (866) 690-0418 A-4294402

(9/5, 9/12, 9/19, 9/26)

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