JacksonHeraldTODAY

Legal Notice
Summary of Proposed
Constitutional Amendments
Pursuant to requirements of the Georgia Constitution, Attorney General Thurbert E. Baker, Secretary of State Karen C. Handel, and Legislative Counsel Sewell R. Brumby hereby provide the summaries of the proposed constitutional amendments that will appear on the November 4, 2008, general election ballot for consideration by the people of Georgia:
- 1 -
To encourage the preservation of Georgia’s forests through a conservation use property tax reduction program.
House Resolution No. 1276
Resolution Act No. 702
Ga. L. 2008, p. 1209
( ) YES
( ) NO
Shall the Constitution of Georgia be amended so as to provide that the General Assembly by general law shall encourage the preservation, conservation, and protection of the state’s forests through the special assessment and taxation of certain forest lands and assistance grants to local government?”
This proposal directs the General Assembly to provide for a new method of ad valorem tax assessment of forest land conservation use property. Such property will include only tracts of forest land which exceed 200 acres except where the General Assembly has provided by general law for exceptions to the 200 acre limit under certain circumstances. Subject to certain qualifications, an owner of such property will be able to enter into a covenant to restrict the use of the land to current use; and the land will then be taxed according to a formula based on current use, annual productivity, and real property sales data. A breach of the covenant will result in a government recapturing the tax savings and may result in other appropriate penalties.
The General Assembly is directed to appropriate funds to local government to partially offset any loss of local revenue.
The General Assembly has enacted a law to implement this constitutional amendment. This law will become effective only if the constitutional amendment is ratified by the voters. This law is 2008 HB 1211; Act No. 464, found at Ga. Laws 2008, p. 297.
A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.
- 2 -
To authorize local school districts to use tax funds for community redevelopment purposes.
Senate Resolution No. 996
Resolution Act No. 777
Ga. L. 2008, p. 1211
( ) YES
( ) NO
Shall the Constitution of Georgia be amended so as to authorize community redevelopment and authorize counties, municipalities, and local boards of education to use tax funds for redevelopment purposes and programs?”
This proposal affirms that the General Assembly may authorize counties, municipalities, and housing authorities to carry out community redevelopment.
The proposal also revises the Constitution’s provisions relative to redevelopment powers and tax allocation bonds. As revised by the proposed amendment, the current provisions for community redevelopment, after providing for such powers, will contain revised provisions relative to tax allocation bonds. In general, tax allocation bonds are government borrowings which are repaid specifically from future growth in the property tax digest of an area under redevelopment.
Under the proposal a general law will be able to authorize the use of county, municipal, and school tax funds, or any combination thereof, to fund redevelopment purposes and programs, including repayment of tax allocation bonds. The general law may provide for such use of tax funds without regard to whether the local government approved such use before January 1, 2009. No county, municipal, or school tax funds may be used for such purposes and programs without approval by the applicable local governing body.
With respect to school taxes only, such taxes may be used for redevelopment purposes and programs only if: (1) they have been pledged for repayment of tax allocation bonds which have been judicially validated (approved by a court for issuance); or (2) such use is authorized by general law after January 1, 2009.
A copy of this entire proposed amendment is on file in the office of the judge of the probate court and is available for public inspection.
- 3 -
To authorize the creation of special Infrastructure Development Districts providing infrastructure to underserved areas.
Senate Resolution No. 309
Resolution Act No. 373
Ga. L. 2007, p. 775
( ) YES
( ) NO
Shall the Constitution of Georgia be amended so as to authorize the General Assembly to provide by general law for the creation and comprehensive regulation of infrastructure development districts for the provision of infrastructure as authorized by local governments?”
This proposal authorizes the General Assembly by general
law to provide for the creation and regulation of infrastructure development districts. The purpose of such districts will be for the creation, provision, and expansion of such infrastructure services and facilities as may be provided for by general law.
Counties and municipalities affected by the creation of infrastructure development districts will have the authority to approve creation of such districts. The general law providing for the creation of the districts will provide for the establishment of an administrative or governing body for the districts. Such administrative or governing bodies will be able to impose and collect fees and assessments within each district and to incur debt according to powers and limits set by statute.
The General Assembly has enacted a law to provide for the creation and regulation of infrastructure development districts. This law will become effective only if the constitutional amendment is ratified by the voters. This law is 2007 SB 200; Act No. 372, found at Ga. Laws 2007, p. 739.
A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.
(OC15,22,29B/379-100)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson 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 __ to WELLS FARGO BANK, N.A., dated September 24, 2004, recorded in Deed Book 364, Page 454, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY THOUSAND AND 0/100 DOLLARS ($90,000.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. 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 Bertha Martin or a tenant or tenants and said property is more commonly known as 228 Trotters Way N, Jefferson, Georgia 30549.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Wells Fargo Bank, N.A. as Attorney in Fact for __.
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/kjf 11/4/08
Our file no. 52290408-FT7
EXHIBIT A
All that tract or parcel of land lying and being in the 245th G.M.D., in the City of Arcade, Jackson County, Georgia being known as farm #6, Trotters Ridge Farms Subdivision as shown on plat of survey recorded in Plat Book 46, Page 114, Jackson County, Georgia records plat is incorporated herein; this is the same property conveyed by deed recorded in Deed Book 12-I, Page 430, said records.
Also conveyed herewith is a 2002 Palm Harbor manufactured home, serial number GEO 1330377/78, which is permanently attached to and made a part of the real property.
(OC8,15,22,29B/12062-60T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson 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 JAMISON R. PORTER and STACEY D. PORTER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for Suntrust Mortgage, Inc., dated February 9, 2007, recorded in Deed Book 47-O, Page 554, Jackson County, Georgia Records, as last transferred to Suntrust Mortgage, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-TWO THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($152,500.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 245th GMD of Jackson County, Georgia, being Lot 53, Block A of Hawk Ridge Subdivision, as per plat thereof recorded in plat book 60, page 153, Jackson County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Suntrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
To the best knowledge and belief of the undersigned, the party in possession of the property is Jamison R. Porter and Stacey D. Porter or a tenant or tenants and said property is more commonly known as 499 Redtail Road, Jefferson, Georgia 30549.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Suntrust Mortgage, Inc. as Attorney in Fact for Jamison R. Porter and Stacey D. Porter
Morris, Schneider, Prior, Johnson & Freedman, LLC
1587 Northeast Expressway
Atlanta, Georgia 30329
(770) 234-9181
www.msplaw.com/foreclosure_sales.asp
MSP/jea 11/4/08
Our file no. 11476408-FT2
(OC8,15,22,29B/12062-60T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson 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 GRETA WYNNE MORGAN and GARY MICHAEL MORGAN, II to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated January 2, 2007, recorded in Deed Book 47-D, Page 612, Jackson County, Georgia Records, as last transferred to Deutsche Bank National Trust Company, as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2007-HE7 by assignment to be recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FOUR HUNDRED SEVENTY-FIVE THOUSAND AND 0/100 DOLLARS ($475,000.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Saxon Mortgage Services, Inc., 4709 Mercantitle Drive North, Fort Worth, TX 76137, 888-325-3502. 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 Greta Wynne Morgan and Gary Michael Morgan, II or a tenant or tenants and said property is more commonly known as 264 Periwinkle Way, Pendergrass, Georgia 30567.
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 Morgan Stanley ABS Capital I Inc. Trust 2007-HE7 as Attorney in Fact for Greta Wynne Morgan and Gary Michael Morgan, II
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/gxw 11/4/08
Our file no. 52317908-FT1
EXHIBIT A
All that certain parcel of land situate in 428th G.M.D. District, County of Jackson, State of Georgia being Lot 18, Block B, of the Falls of Stockton Farms Subdivision Unit 5, as per plat recorded in Plat Book 51, Page 216, in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, which plat is incorporated herein by reference and made a part of this description.
A.P.N.: 090A 018B
(OC8,15,22,29B/12062-60T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Under and by virtue of the Power of Sale contained in a Security Deed given by JERRY R. OTT to OPTION ONE MORTGAGE CORPORATION, dated May 4, 2006, recorded in Deed Book 43-T, Page 2, Jackson County, Georgia Records, as last transferred to U.S. Bank, National Association, as Trustee for the Certificateholders of Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5 by assignment to be recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWENTY THOUSAND AND 0/100 DOLLARS ($220,000.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: American Home Mortgage Servicing Inc., 3 Ada, Irvine, CA 92618, 877-304-3100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.
To the best knowledge and belief of the undersigned, the party in possession of the property is Jerry R. Ott or a tenant or tenants and said property is more commonly known as 368 Legendary Dr., Hoschton, Georgia 30548.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
U.S. Bank, National Association, as Trustee for the Certificateholders of Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5 as Attorney in Fact for Jerry R. Ott
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/js2 11/4/08
Our file no. 52217808-FT1
EXHIBIT A
All that tract or parcel of land lying and being in Land Lot 248th District G.M., State of Georgia, County of Jackson, being Lot 52, Block A of Legendary Meadows and being more particularly described and delineated according to a plat and survey prepared by W.T. Dunahoo and Associates, Inc., certified by W. T. Dunahoo, Georgia Registered Surveyor No. 1577, dated April 19, 2004, entitled “final plan for Legendary Meadows,” said plat being of record in the Office of the Clerk of Superior Court for Jackson County, Georgia in Plat Book 64, Page 33; which said plat and the recording thereof are by reference hereto incorporated herein for a more complete and detailed description.
(OC8,15,22,29B/12062-70T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson 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 JASON D. TEAGUE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated September 19, 2006, recorded in Deed Book 50-Y, Page 723, Jackson County, Georgia Records, as last transferred to U.S. Bank National Association, as trustee, on behalf of the holders of the Asset Backed Pass-Through Certificates, Series RFC 2007-HE1 by assignment to be recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FOUR THOUSAND AND 0/100 DOLLARS ($104,000.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Select Portfolio Servicing, 3815 S West Temple, Salt Lake City, UT 84115, 888-349-8955. 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 Jason D. Teague or a tenant or tenants and said property is more commonly known as 17 Mandy Lane, Braselton, Georgia 30517.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
U.S. Bank National Association, as trustee, on behalf of the holders of the Asset Backed Pass-Through Certificates, Series RFC 2007-HE1 as Attorney in Fact for Jason D. Teague
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/js2 11/4/08
Our file no. 52279607-FT1
EXHIBIT A
All that tract or parcel of land lying and being in GMD 1765 of Jackson County, Georgia, and being shown and designated as Lot 26, of Pine Ridge Subdivision, Phase III, according to Plat thereof recorded in Plat Book 54, Page 111, in the Clerk Office of the Superior Court of Jackson County, Georgia.
The obligation to pay the debt described in the aforementioned security deed and secured by the above described property has been assumed by 0003728730.
MR/js2 11/4/08
Our file no. 52279607 - FT1
(OC8,15,22,29B/12062-60T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson 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 HAJRAH MARY HAKEEM to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated March 29, 2006, recorded in Deed Book 43-O, Page 645, Jackson County, Georgia Records, as last transferred to U.S. Bank National Association, as Trustee for First Franklin Mortgage Loan Trust 2006-FF10, Mortgage Pass-Through Certificates, Series 2006-FF10 by assignment to be recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-EIGHT THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($78,400.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: National City Home Loan Services, Inc., 150 Allegheny Center-ICD 23-521, Pittsburgh, PA 15212, 800-622-5035. 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 Hajrah Mary Hakeem or a tenant or tenants and said property is more commonly known as 14 Baugh Street, Commerce, Georgia 30529.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
U.S. Bank National Association, as Trustee for First Franklin Mortgage Loan Trust 2006-FF10, Mortgage Pass-Through Certificates, Series 2006-FF10 as Attorney in Fact for Hajrah Mary Hakeem
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/js2 11/4/08
Our file no. 52170108-FT1
EXHIBIT A
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the City of Commerce, 255th GMD, Jackson County, Georgia, containing 0.2389 of an acre, more or less, and being more particularly described according to a plat of survey for Terry L. Dills, prepared by Rooks and Brewer, certified by John F. Brewer, RLS, dated August 1, 1991, recorded in Plat Book 37, Page 183, Jackson County records and incorporated herein; being the same property conveyed by deed recorded in Deed Book 23-N, Page 491, said records.
(OC8,15,22,29B/12062-70T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson 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 DEBBY M. CRESCENTI to SUNTRUST BANK, dated February 6, 2002, recorded in Deed Book 25-S, Page 337, Jackson County, Georgia Records, as last transferred to Suntrust Mortgage, Inc. by assignment recorded in Deed Book 25-S, Page 356, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THREE THOUSAND SIX HUNDRED AND 0/100 DOLLARS ($103,600.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property:
SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys fees (notice of intent to collect attorneys fees having been given).
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: 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 Debby M. Crescenti or a tenant or tenants and said property is more commonly known as 304 Academy Woods Drive, Jefferson, Georgia 30549.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Suntrust Mortgage, Inc. as Attorney in Fact for Debby M. Crescenti
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/ms8 11/4/08
Our file no. 52288808-FT7
EXHIBIT A
All that tract or parcel of land lying and being in the City of Jefferson, 245th District,, G.M., Jackson County Georgia,, and being Lot 21. Block A, on a plat of survey prepared for Academy Woods Subdivision by James R. Smith, Registered Surveyor, dated April 25, 1997, recorded in Plat Book 50, Page 10, in the Office of the Clerk of the Superior Court of Jackson County, Georgia, and incorporated herein and made a part hereof by reference for a more detailed description.
Said property is known as 304 Academy Woods Drive, Jefferson, GA 30549, together with all fixtures and personal property attached to and constituting a part of said property, if any.
(OC8,15,22,29B/12062-60T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Georgia County
By virtue of a Power of Sale contained in that certain Security Deed from ZULLY DIAZ to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., acting solely as nominee for Guaranty Mortgage Services LLC, dated April 16, 2007, recorded May 8, 2007, in Deed Book 480, Pages 441-459, Jackson County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of ONE HUNDRED SIXTY THOUSAND AND 00/100 DOLLARS ($160,000.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Countrywide Home Loans, Inc., there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, all property described in said Security Deed including but not limited to the following described property:
All that tract or parcel of land lying and being in the 245th GMD of Jackson County, Georgia, being Lot 63 of Jameston Place Subdivision, as per plat thereof recorded in Plat Book 63, Pages 64-65, Jackson County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.
Said property is commonly known as 33 Manchester Lane, Jefferson, GA 30549.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property Zully Diaz or tenants(s).
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.
THE ABOVE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
COUNTRYWIDE HOME LOANS, INC as Attorney in Fact for ZULLY DIAZ
Lender Contact: COUNTRYWIDE, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024
TELEPHONE NUMBER: 800-669-6087
Attorney Contact:
Adorno & Yoss LLC,
Two Midtown Plaza,
1349 West Peachtree
Suite 1500,
Atlanta, GA 30309
TELEPHONE NUMBER: (888) 890-5309
ADORNO FILE NO. 215400.4314
WWW.ADORNO.COM/ATLDOCS/SALES.HTML
(OC8,15,22,29B/13997-60)

Notice of Sale
Notice of Sale Under Power
State of Georgia, County of Jackson
Because of a default in the payment of the indebtedness secured by a Security Deed executed by JOHNNY DAVID GREENE and ANGIE GREENE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated October 28, 2003, and recorded in Deed Book 32-I, Page 741, Jackson County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment securing a Note in the original principal amount of $136,852.00, 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, November 4, 2008, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in the City of Commerce, 255th District, G.M., Jackson County, Georgia, and being that 0.58 acres, more or less, as more particularly shown on a plat of survey prepared for Paul M. Guest & Jenny P. Guest and Decatur Federal Savings and Loan Association by Max Lewallen, Registered Surveyor, dated January 2, 1992, recorded in Plat Book 38, Page 29, in the Office of the Clerk of the Superior Court of Jackson County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description.
Said property is known as 414 Elizabeth Street, Commerce, GA 30529, together with all fixtures and personal property attached to and constituting a part of said property, if any.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.
Said property will be sold as the property of Johnny David Greene and Angie Greene, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Johnny David Greene and Angie Greene, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.
Wells Fargo Bank, N.A. as Attorney-in-Fact for Johnny David Greene and Angie Greene
File no. 06-0928
L. J. SWERTFEGER, JR.
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Boulevard, Suite 100
Atlanta, GA 30341
(770) 220-2730/AB
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(OC8,15,22,29B/1323-60T1P)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by BRUCE ALTON BARRETT and GAIL E. BARRETT to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for NOVASTAR MORTGAGE, INC., dated December 9, 2005, and recorded in Deed Book 41-X, Page 109, Jackson County, Georgia Records, as last transferred to The Bank of New York Mellon, as Successor Indenture Trustee under NovaStar Mortgage Funding Trust 2006-1 by assignment to be recorded in Jackson County, Georgia records, conveying the after-described property to secure a Note of even date in the original principal amount of $123,500.00, 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, to wit: November 4, 2008, the following described property:
All that tract or parcel of land lying and being in G.M.D. 1765 of Jackson County, Georgia Records, being Lot 8 of Hickory Ridge Subdivision as per plat recorded in Plat Book 50, Pages 210-211, in the Office of the Clerk of Superior Court of Jackson County, Georgia records, being more particularly described as follows:
Beginning at a 1/2 inch rebar found at the intersection of the southern corner of Lot 9 of Hickory Ridge, the western corner of Lot 8 of Hickory Ridge and the northeastern side of the right of way of Hickory Bluff (50 foot right of way) as shown on that recorded plat of survey of Hickory Grove Subdivision at Plat Book 50, Page 210-211, Jackson County, Georgia records, run thence, following the southeastern property line of Lot 9 of Hickory Ridge, north 44 degrees 08 minutes 44 seconds east a distance of 233.86 feet to a rebar found; run thence south 83 degrees 53 minutes 08 seconds east a distance of 69.52 feet to a point; run thence south 53 degrees 29 minutes 06 seconds east a distance of 93.85 feet to a rebar found; run thence, following the northwestern lot line of Lot 7 of Hickory Ridge Subdivision, south 53 degrees 14 minutes 24 seconds west a distance of 300.91 feet to a point on the northeastern right of way of Hickory Bluff (50 foot right of way); run thence, following said right of way, along a curve to the left an arc distance of 100.64 feet (said arc having a radius of 834.06 feet, a chord length of 100.54 feet and a chord bearing of north 41 degrees 18 minutes 26 seconds west) to a rebar found, which is the true point of beginning.
The improvements thereon being known as 194 Hickory Bluff, Braselton, GA 30517.
Tax ID#117 100
The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property known as 194 Hickory Bluff, Braselton, GA 30517 is (are): Bruce Alton Barrett and Gail E. Barrett or tenant or tenants.
Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc.
The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.
Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.
The Bank of New York Mellon, as Successor Indenture Trustee under NovaStar Mortgage Funding Trust 2006-1 as attorney in fact for Bruce Alton Barrett and Gail E. Barrett
Richard B. Maner, P.C.
5775 Glenridge Drive
Building D, Suite 100
Atlanta, GA 30328
(404)252-6385
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
FC08-810
(OC8,15,22,29P4)

Notice of Sale
Notice of Sale Under Power
State of Georgia, County of Jackson
Because of a default in the payment of the indebtedness secured by a Security Deed executed by RICHARD E. HAYES and TAMMY R. HAYES to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated June 24, 2004, and recorded in Deed Book 35-W, Page 419, Jackson County Records, said Security Deed having been last sold, assigned, transferred and conveyed to U.S. Bank, N.A., in its capacity as Trustee for the registered holders of Home Equity Asset Trust 2004-6, Home Equity Pass-Through Certificates, Series 2004-6 by Assignment securing a Note in the original principal amount of $153,184.00, 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, November 4, 2008, 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, with all improvements thereon, situate, lying and being in GMD 245 of Jackson County, Georgia and being shown and delineated as a portion of property as shown and delineated on survey prepared for Richard Hayes revised December 19, 1990 by Venable and Associate, Inc., and more particularly described as follows: Beginning at a point located on the Northerly right of way of Holders Siding Road, which point is located .2 miles from the centerline of the intersection of Holders Siding Road and Railroad; thence continuing along said right of way North 80 degrees 25’ West 186.27 feet to an iron pin; thence North 12 degrees 22’ East 151.71 feet to an iron pin; thence North 76 degrees 38’ West 50.00 feet to an iron pin; thence North 13 degrees 22’ East 95.00 feet to an iron pin; thence South 46 degrees 50’ East 322.59 feet to an iron pin; thence South 42 degrees 36’ West 84.87 feet to a point and the point of beginning. Designated as Tract I on said survey and according to said survey containing 0.82 acres. Having situated thereon a 1971 LaFayette Mobile Home with improvements being the residence of Richard E. Hayes. Subject to all easements; covenants; rights or way; set backs and all other restrictions of record if any.
Said property is known as 734 Holders Siding Road, Jefferson, GA 30549, together with all fixtures and personal property attached to and constituting a part of said property, if any.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.
Said property will be sold as the property of Richard E. Hayes and Tammy R. Hayes, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Richard E. Hayes and Tammy R. Hayes , and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.
U.S.Bank, N.A., in its capacity as Trustee for the registered holders of Home Equity Asset Trust 2004-6, Home Equity Pass-Through Certificates, Series 2004-6 as Attorney-in-Fact for Richard E. Hayes and Tammy R. Hayes
File no. 06-0587
L. J. SWERTFEGER, JR.
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Boulevard, Suite 100
Atlanta, GA 30341
(770) 220-2730/BG
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]
(OC8,15,22,29B/1323-80T1P)

Notice of Sale
Notice of Sale Under Power
State of Georgia, County of Jackson
By virtue of the power of sale contained in a Construction Deed to Secure Debt and Security Agreement from JS BUILDERS, LLC to QUANTUM NATIONAL BANK, dated March 23, 2006, and filed March 29, 2006, in Deed Book 43-F, beginning at Page 194, in the Records of the Clerk of Superior Court, Jackson County, Georgia, as modified by Modification of Construction Deed to Secure Debt and Security Agreement dated February 29, 2008, recorded April 11, 2008 in Deed Book 52-A, Page 483, aforesaid records, as further modified by Modification of Deed to Secure Debt dated April 9, 2008, recorded May 22, 2008, in Deed Book 52-K, Page 530, aforesaid records; there will be offered for sale at public outcry to the highest bidder for cash before the Courthouse door of said County during the legal hours of sale on the First Tuesday in November, 2008, the following described property:
ALL THAT TRACT OR PARCEL OF LAND lying and being in the 248th District G.M., Jackson County, Georgia, being Lot 85, Block A, Unit 5, Whitaker’s Downs Subdivision, as per plat recorded in Plat Book 64, Page 226, Jackson County, Georgia Records, which plat is hereby incorporated herein by reference.
The aforesaid Deed secures any other or future indebtedness of the Grantor therein specified, including any renewal thereof. The indebtedness secured by said Deed has been declared due and payable by reason of default under the provisions of said Deed and the terms of the note or notes secured thereby, and sale will be made for the purpose of applying the proceeds thereof toward expenses of sale, including attorneys’ fees, payment of the indebtedness and interest thereon, and any balance remaining shall be applied as provided by law.
The property will be sold as the property of JS Builders, LLC, who to the best of the undersigned’s knowledge and belief, is the party in possession of the property.
Notice has been given of intention to enforce provisions for collection of attorneys’ fees and expenses of foreclosure in accordance with legal requirements and the terms of the above note and Deed.
The property will be sold subject to any and all unpaid taxes, assessments, general subdivision restrictions, and other restrictions and easements of record, if any.
QUANTUM NATIONAL BANK Attorney in Fact for JS Builders, LLC Brian Edwards
WEBB, TANNER, POWELL, MERTZ & WILSON, LLP
Attorney at Law
P. O. Box 1390
Lawrenceville, GA 30046-1390
(770) 963-3423
(OC8,15,22,29B/329-50P)
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