Jackson County Public Notices 08-11-10 pt 1

Notice of Sale
Notice of Sale Under Power
By virtue of the power of sale contained in a Deed to Secure Debt by CURTIS BERNHAUSER and MELISSA BERNHAUSER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) as nominee for PINESTATE MORTGAGE CORPORATION, dated September 25, 2006, and filed for record November 14, 2006, in Deed Book 46-J, Page 43, Jackson County, Georgia Records, and securing a Note in the original principal amount of $131,200.00; last transferred to The Bank of New York Mellon fka The Bank of New York, as Trustee for the Certificateholders CWALT, Inc., Alternative Loan Trust 2006-41CB, Mortgage Pass-Through Certificates, Series 2006-41CB by Assignment filed for record July 30, 2009 in Deed Book 55V, Page 2, Jackson County, Georgia records, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Jackson County, Georgia, between the legal hours of sale on the first Tuesday in September, 2010, by The Bank of New York Mellon fka The Bank of New York, as Trustee for the Certificateholders CWALT, Inc., Alternative Loan Trust 2006-41CB, Mortgage Pass-Through Certificates, Series 2006-41CB as Attorney-in-Fact for Curtis Bernhauser and Melissa Bernhauser the following property to-wit:
All that tract or parcel of land lying and being in the 245th District G.M., Jackson County, Georgia, being known as Lot 54, Jefferson Place Subdivision, as per plat recorded in Plat Book 64, Page 232, Jackson County, Georgia records, which plat is incorporated herein and made a part hereof by reference.
The above described property is also known as 1934 Lantern Drive, Jefferson, GA  30549.
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.
To the best of the undersigned’s knowledge and belief, possession of the subject property is held by Curtis Bernhauser and Melissa Bernhauser.
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: BAC Home Loans Servicing, L.P. f/k/a Countrywide Home Loans Servicing, LP, Attn: Jill Balentine, P. O. Box 5170, MS SV314B, Simi Valley, CA  93065, Telephone: 1-888-219-7773.  The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require BAC Home Loans Servicing, L.P. as servicer for The Bank of New York Mellon fka The Bank of New York, as Trustee for the Certificateholders CWALT, Inc., Alternative Loan Trust 2006-41CB, Mortgage Pass-Through Certificates, Series 2006-41CB  to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.
The Bank of New York Mellon fka The Bank of New York, as Trustee for the Certificateholders CWALT, Inc., Alternative Loan Trust 2006-41CB, Mortgage Pass-Through Certificates, Series 2006-41CB as Attorney-in-Fact for Curtis Bernhauser and Melissa Bernhauser
SHUPING, MORSE & ROSS, LLP
By:  S. Andrew Shuping, Jr.  
S. Andrew Shuping, Jr.
6259 Riverdale Road, Suite 100
Riverdale, Georgia  30274-1698
(770) 991-0000
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/119-70)

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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 KIET D. NGUYEN to BANK OF AMERICA, N.A., dated April 12, 2007, recorded in Deed Book 48-U, Page 456, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED FORTY THOUSAND AND 0/100 DOLLARS ($340,000.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 475 Crosspoint Parkway, Getzville, NY 14068, 800-285-6000. 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 Kiet D. Nguyen or a tenant or tenants and said property is more commonly known as 661 Stapler Bridge Road, Nicholson, Georgia 30565. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Bank of America, N.A. as Attorney in Fact for Kiet D. Nguyen
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jw0 9/7/10
Our file no. 51934309-FT4
EXHIBIT “A”
All that tract or parcel of land lying and being in the 253rd GMD of Jackson County, Georgia being a 27.35 ac portion of Atkins Property, as per plat recorded in Plat Book 65, Page 171, Jackson County, Georgia records, said plat by reference made a part hereof.
(AU11,18,25,SE1B/19698-60T1P)

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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 OSCAR ESCALANTE ECHEVERRIA and MARIA R. ESCALANTE to CARDINAL MORTGAGE INC, dated November 16, 2007, recorded in Deed Book 50-W, Page 581, Jackson County, Georgia Records, as last transferred to PNC Bank, National Association 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 SEVENTY-TWO THOUSAND TWO HUNDRED FIFTY AND 0/100 DOLLARS ($272,250.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: PNC Mortgage, 3232 Newmark Drive, Miamisburg, OH 45342, 800-523-8654. 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 Oscar Escalante Echeverria or a tenant or tenants and said property is more commonly known as 2699 Old Winder Jefferson Hwy., 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.
PNC Bank, National Association as Attorney in Fact for Oscar Escalante Echeverria and Maria R. Escalante
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/nll 9/7/10
Our file no. 52116510-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 245th District, G.M., Jackson County, Georgia, being Lot 10, as shown by plat and survey for Winford Lindsay Associates, prepared by Ringo & Sadler, GRLS, dated September 19, 1996, recorded in Plat Book 46, Page 271, Jackson County Records; said plat being incorporated herein by reference thereto
(AU11,18,25,SE1B/19698-60T1P)

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Notice of Sale
Notice of Sale Under Power
State of Georgia, County of Jackson
Because of a default in the payment of the indebtedness evidenced by the Note (as hereinafter described), secured by a Deed to Secure Debt from ZACHARIAH BARE (hereinafter referred to as “Grantor”) to MOUNTAIN VALLEY COMMUNITY BANK, dated September 17, 2007, filed for record in Deed Book 50-E, Page 584, in the Office of the Clerk of the Superior Court of Jackson County, Georgia (hereinafter called the “Security Deed”), the undersigned, Mountain Valley Community Bank, pursuant to said Security Deed and that certain Universal Note dated September 17, 2007, in the original principal amount of $63,772.00 (hereinafter referred to as the “Note”) has declared the entire amount of said indebtedness due and payable. Therefore, pursuant to and by virtue of the power of sale contained in the Security Deed, there will be sold by the undersigned at public outcry to the highest and best bidder for cash before the Courthouse door on the courthouse steps at Jackson County, Georgia, within the legal hours of sale on the first Tuesday in September, 2010 the following described property:
All that tract or parcel of land lying and being in the 257th (Harrisburg) District, G.M., Jackson County, Georgia, more particularly described according to plat prepared by Patton-Pless and Associates, Surveyors, dated September 12, 1970, recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia, in Plat Book 6, Page 230, bounded on the northwest by lands of W. M. McDonald, on the east by lands of Tom Daniel, on the south by right of way of Georgia Highway No. 15 and on the west by right of way of county dirt road. Said plat and the description thereof being incorporated herein by reference for a detailed description, together with all fixtures and personal property attached to and constituting a part of said property, and replacements and additions.
TOGETHER WITH all of the buildings, building materials, fixtures and improvements on, in and to the property and all easements, rights, rents, royalties, mineral, oil and gas rights, profits and water rights.
The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale, and all other payments provided for under the Security Deed, including permitted attorneys’ fees as provided in the Note and Security Deed, notice of intention to collect attorneys’ fees and expenses of the foreclosure having been given as provided by law and as provided by the terms of the Security Deed; and the remainder, if any, shall be applied as provided by law.
To the best knowledge and belief of the undersigned, Zachariah Bare is in possession of said property. Said property will be sold subject to any prior restrictive covenants, easements, rights-of-way, valid zoning ordinances, matters which would be disclosed by an accurate survey of the property or by an inspection of the property, and any liens or encumbrances superior to the Security Deed first set out above, and subject to all outstanding taxes, assessments, and utility bills which may constitute a lien against said property, whether due and payable or not yet due and payable.
Mountain Valley Community Bank hereby notifies Grantor that Mountain Valley Community Bank remains the holder of the security interest set forth in the Security Deed. Grantor may communicate with Mountain Valley Community Bank by contacting Mr. Don Allison, Mountain Valley Community Bank, 136 North Main Street, Cleveland, Georgia 30528, or by telephone at (706) 348-6822. Mr. Allison has full authority to negotiate, amend, and modify all terms of the Security Deed with Grantor.
MOUNTAIN VALLEY COMMUNITY BANK, as Attorney-in-Fact for ZACHARIAH BARE
By: Thomas E. Austin, Jr., Attorney for Mountain Valley Community Bank
Thomas E. Austin, Jr., LLC
3490 Piedmont Road, N.E.
Suite 1005
Atlanta, Georgia 30305
(404) 814-3755
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1P4)

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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 PAMELA J. MIGNEAULT and DAVID L. MIGNEAULT to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated June 2, 2006, recorded in Deed Book 44-Q, Page 270, Jackson County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 56x, Page 642, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-NINE THOUSAND AND 0/100 DOLLARS ($169,000.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Pamela J. Migneault and David L. Migneault or a tenant or tenants and said property is more commonly known as 293 Lamar Lane, Hoschton, Georgia 30548-4314. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP as Attorney in Fact for Pamela J. Migneault and David L. Migneault
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/tlj 9/7/10
Our file no. 53769709-FT14
EXHIBIT “A”
All that tract or parcel of land, lying and being in the 248th District G.M. Jackson County, Georgia, designated as Lot 24, Block A of Berry’s Landing Subdivision, containing 1.21 acres, more or less, as shown by plat and survey entitled ‘’Final Plat for Berry’s Landing’’, prepared by W. T. Dunahoo and Associates Inc., certified by W. T. Dunahoo, GRLS No. 1577, dated May 7, 2002 as recorded in Plat Book 60, Page 59, Jackson County, Georgia Records; which plat and the recording thereof are hereby incorporated herein by reference for a more detailed description of the property. Subject to protective covenants dated June 5, 2002 as recorded in Deed Book 26-R, Page 605, aforesaid records. Address: 293 Lamar Ln.; Hoschton, GA 305484314 Tax Map or Parcel ID No.: 103D-024 MR/tlj 9/7/10 Our file no. 53769709 - FT14
(AU11,18,25,SE1B/19698-70T1P)

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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 RYAN BOYD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for Home America Mortgage, Inc., dated August 14, 2006, recorded in Deed Book 45-T, Page 111, Jackson County, Georgia Records, as last transferred to U.S. Bank National Association, as Trustee for TBW Mortgage-Backed Trust Series 2006-5, Mortgage Pass-Through Certificates, Series 2006-5 by assignment recorded in Deed Book 0058D, Page 151, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FOUR THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($154,400.00), 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 September, 2010, the following described property:
All that tract or parcel of land lying and being in the 245 District, G.M., Jackson County, Georgia, designated as Lot 50, Phase II, containing 0.840 acres, more or less, as shown on a plat of survey entitled “Final Plat for Finch Landing Phase II”, prepared by Venable and Associates, Inc., certified by Allen L. Venable, Jr., Georgia Registered Surveyor No. 1761, dated February 14, 2004, revised March 22, 2004, revised April 1, 2004 and being of record in the Office of the Clerk of the Superior Court for Jackson County, Georgia in Plat Book 62, Pages 241-242, which said plat and the recording thereof are by reference hereto incorporated herein for a more complete and detailed description.
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).
American Home Mortgage Servicing Inc. can be contacted at 877-304-3100 or by writing to 6501 Irvine Center Drive, Irvine, CA 92618, 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 Ryan Boyd or a tenant or tenants and said property is more commonly known as 321 Finch Way, Jefferson, Georgia 30549-7252. 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 TBW Mortgage-Backed Trust Series 2006-5, Mortgage Pass-Through Certificates, Series 2006-5 as Attorney in Fact for Ryan Boyd
Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/nll 9/7/10 Our file no. 1268610-FT1
(AU11,18,25,SE1B/19698-60T1P)

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Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Because of default in the payment of the indebtedness, secured by a Security Deed executed by HENRY BROWN to SOUTHERN CRESCENT MORTGAGE & INVESTMENT CORP dated August 31, 2006 in the amount of $149,800.00, and recorded in Deed Book 45-Y, Page 51, Jackson County, Georgia Records; as last transferred to Deutsche Bank Trust Company Americas as Trustee by assignment; the undersigned, Deutsche Bank Trust Company Americas as Trustee pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in September, 2010, during the legal hours of sale, at the Courthouse door in Jackson 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 GMD 1765 of Jackson County, Georgia and being Lot 145 of The Township at Mulberry Park as per that plat of the Subdivision recorded in Plat Book 66, Page 146-155 Jackson County, Georgia Records which plat is incorporated herein by reference and made a part hereof.
Subject to (a) zoning ordinances affecting said Property, (b) general utility, sewer, and drainage easements of record serving the Property and upon which the dwelling does not encroach, and (c) that declaration of covenants, conditions and restrictions of The Township at Mulberry Park.
which has the property address of 7081 Silk Tree Pointe, Braselton, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. 
Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Henry Brown 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.
Deutsche Bank Trust Company Americas as Trustee
Attorney in Fact for Henry Brown
Anthony DeMarlo, Attorney/jplanicka
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 10-14552 /CONV
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/1325-50)

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Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Because of default in the payment of the indebtedness, secured by a Security Deed executed by CRYSTAL M. GIBSON and JOEL T. GIBSON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated June 18, 2008, in the amount of $256,500.00, and recorded in Deed Book 52-T, Page 36, Jackson 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 September, 2010, during the legal hours of sale, at the Courthouse door in Jackson 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 245th District, G.M., of Jackson County, Georgia and being Lot 81 of Finch Landing Subdivision, Phase III, as per Plat recorded in Plat Book 66, Page 100, records of Jackson County, Georgia, which Plat is incorporated herein by reference and made a part of this description.
which has the property address of 273 Raven Ridge, Jefferson, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Crystal M. Gibson and Joel T. Gibson 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 Crystal M. Gibson and Joel T. Gibson
Anthony DeMarlo, Attorney/jauman
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 10-01520 /FHLMC
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/1325-50)

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Notice of Sale
Noticce 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 LEONARD A. DEC to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated February 16, 2007, recorded in Deed Book 47-Y, Page 39, Jackson County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP 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 TWENTY THOUSAND EIGHT HUNDRED FOUR AND 0/100 DOLLARS ($120,804.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Leonard A. Dec or a tenant or tenants and said property is more commonly known as 130 Blanc Way, 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.
BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP as Attorney in Fact for Leonard A. Dec
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/abw 9/7/10
Our file no. 52214810-FT11
EXHIBIT “A”
All that tract or parcel of land lying and being in GMD 1765, Jackson County, Georgia and being known as Lot 7, Block C, The Vineyards, Phase I, as per plat recorded in Plat Book 29, page 25, Jackson County, Georgia records, which plat is incorporated herein and made a part hereof by reference. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises.
(AU11,18,25,SE1B/19698-60T1P)

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Notice of Sale
Notice of Sale Under Power
By virtue of the power of sale contained in a Deed to Secure Debt by JACQUELINE G. DELANY to U.S. BANK NATIONAL ASSOCIATION ND, dated February 8, 2007, and filed for record February 21, 2007, in Deed Book 47-P, Page 504, Jackson County, Georgia Records, and securing a Note in the original principal amount of $235,000.00, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Jackson County, Georgia, between the legal hours of sale on the first Tuesday in September, 2010, by U.S. Bank National Association ND as Attorney-in-Fact for Jacqueline G. Delany  the following property to-wit:
ALL THAT TRACT OR PARCEL OF LAND lying and being in GMD 248, Jackson County, Georgia, being Lot 13, Summer Hill Estates, as per plat recorded in Plat Book 46, Page 94, Jackson County, Georgia Records, which plat is hereby referred to and incorporated by reference.
The above described property is also known as 475 Summer Hill Drive, Hoschton, GA  30548.
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.
To the best of the undersigned’s knowledge and belief, possession of the subject property is held by Jacqueline G. Delany .
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:
U.S. Bank National Association ND
Attn: Loss Mitigation Dept.
205 W. 4th Street
Suite 500
Cincinnati, OH  45202
Telephone number: 1-888-456-2622
The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require U.S. Bank National Association ND to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.
U.S. Bank National Association ND as Attorney-in-Fact for Jacqueline G. Delany
SHUPING, MORSE & ROSS, LLP
By:  S. Andrew Shuping, Jr.  
S. Andrew Shuping, Jr.
6259 Riverdale Road, Suite 100
Riverdale, Georgia  30274-1698
(770) 991-0000
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/119-50)

gpn11
Notice of Sale
Notice of Sale Under Power
State of Georgia, County of Jackson
Under and by virtue of the power of sale contained in a Security Deed from WILLIAM K. TYNER to BANK OF AMERICA, N.A., dated March 18, 2002, recorded March 28, 2002, in Deed Book 26-D, Page 14, Jackson County, Georgia records, said Security Deed being given to secure a Note from WILLIAM K. TYNER of even date in the original principal amount of One Hundred Three Thousand Forty and 50/100 ($103,040.50) Dollars, 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in September, 2010, the following described property:
All that tract or parcel of land lying and being in the 255th GMD, Jackson County, Georgia, designated as Lot 26, Millwood Station East, as shown on plat and survey recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia, in Plat Book 57, Page 167, for a more detailed description, reference is hereby made to said plat as recorded, subject to all existing easements and rights of way for Public Roads, and utilities now in use, and subject to Protective Covenants and Restrictions for Millwood Station East, recorded in Deed Book 23-N, Pages 279-284, and Protective Covenants and Restrictions for Millwood Station East recorded in Deed Book 23-N, Page 285-290, Jackson County Records.
Being that parcel of land conveyed to William K. Tyner from James Butler Homes, Inc., by that deed dated 11/30/2001 and recorded 12/04/2001 in Deed Book 25B, Page 697 of the Jackson County, Georgia Public Registry.
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, 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 WILLIAM K. TYNER or a tenant or tenants.
BANK OF AMERICA, N.A., as attorney in Fact for WILLIAM K. TYNER
L. Lou Allen
Stites & Harbison, PLLC
11 Mountain Street, Suite 8
Blue Ridge, Georgia 30513
(706) 632-7923
File No. 6970A-00079
THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/16022-60T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Because of default in the payment of the indebtedness, secured by a Security Deed executed by LISA D. GINN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated November 25, 2008 in the amount of $172,771.00, and recorded in Deed Book 53-S, Page 440-448, Jackson County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in September, 2010, during the legal hours of sale, at the Courthouse door in Jackson 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 255th District, G.M. Jackson County, Georgia and being that 1.046 acres, more or less, designated as Lot 4, on a plat of survey of Hemlock Estates Subdivision, prepared by Roy A. Terrell, Registered Surveyor, dated September 4, 1983, recorded in Plat Book 12, Page 375, in the Office of the Clerk of Superior Court of Jackson County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description.
which has the property address of 12 Lee Lane, Commerce, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. 
Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Lisa D. Ginn and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.
CitiMortgage, Inc
Attorney in Fact for Lisa D. Ginn
Anthony DeMarlo, Attorney/apatterson
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 10-15329 /FHA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/1325-50)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, 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 DOUG NORWOOD and JUDY NORWOOD to ALLIANCE FUNDING COMPANY, dated December 10, 1998, recorded in Deed Book 18-W, Page 355, Jackson County, Georgia Records, as last transferred to LaSalle Bank National Association (“Assignee”), formerly known as LaSalle National Bank, in its capacity as trustee under that certain Poolling and Servicing Agreement dated February 1, 1999 between LaSalle National Bank, as Trustee, and Superior Bank FSB, as Depositor and Servicer, AFC Mortgage Loan Asset Backed Certificates, Series 1999-1, and any amendments thereto by assignment recorded in Deed Book 30H, Page 38, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($90,400.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: EMC Mortgage Corporation, 800 State Highway 121 Bypass, Lewisville, TX 75067, 1-888-577-4011. 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 Doug Norwood and Judy Norwood or a tenant or tenants and said property is more commonly known as 258 Mlk Jr Avenue, 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.
Bank of America, National Association as successor by merger to LaSalle Bank National Association (“Assignee”), formerly known as LaSalle National Bank, in its capacity as indenture trustee under that certain Sale and Servicing Agreement dated February 1, 1999 among AFC Trust Series 1999-1, as Issuer, Superior Bank FSB, as Seller and Servicer, and LaSalle Bank National Association, as Indenture Trustee, AFC Mortgage Loan Asset Backed Notes, Series 1999-1, and any amendments thereto as Attorney in Fact for Doug Norwood and Judy Norwood
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ss3 9/7/10
Our file no. 51793208-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 245th District, G.M., Jackson County, Georgia, containing 0.614 of an acre, more or less, and being more particularly described and delineated by plat of survey prepared for Doug Norwood and Judy Norwood dated January 3, 1996, by Ringo & Sadler, GRLS, and being recorded in Plat Book 47, Page 321, Jackson County, Georgia records, which plat and the record thereof are hereby incorporated herein by reference for a more detailed description of the property. Together with a 12-foot easement for purposes of ingress and egress from MLK Avenue to the subject property; which easement is also shown and described on the above-reference plat of survey. Interest conveyed by this deed shall also include all rights, title and interest in that certain make and year mobile home described as follows: 1999, Buccaneer Home, Model #5340, Serial # ALBUS 3W08981864 A&B. Said mobile home shall be hereafter considered a permanent fixture on the realty and henceforth title to said mobile home shall be considered as merged with title to the realty. MR/ss3 9/7/10
(AU11,18,25,SE1B/19698-80T1P)

gpn11
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 SARITH PHAI and KENA M. MEAS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated December 21, 2006, recorded in Deed Book 46-X, Page 353, Jackson County, Georgia Records, as last transferred to PHH Mortgage Corporation by assignment recorded in Deed Book 0057S, Page 0542, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-ONE THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($181,100.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Jackson County, Georgia within the legal hours of sale on the first Tuesday in September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: PHH Mortgage Corporation, Mailstop SV01, 2001 Leadenhall Rd, Mount Laurel, NJ 08054, 800-750-2518. 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 Sarith Phai and Kena M. Meas or a tenant or tenants and said property is more commonly known as 70 Feldspar 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.
PHH Mortgage Corporation as Attorney in Fact for Sarith Phai and Kena M. Meas McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ss3 9/7/10
Our file no. 51537009-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in the 242nd District, G.M., Jackson County, Georgia, being Lot 2 Block D, Unit Two of Redstone Subdivision and more particularly described and delineated according to a plat and survey entitled “Final Plan for Redstone-Unit Two” prepared by W.T. Dunahoo and Associates, certified by W.T. Dunahoo, Georgia Registered Land Surveyor No. 1577, recorded on February 11, 2005 in Plat Book 64, Page 195, Jackson County, Georgia Records; which plat and the recording thereof are hereby incorporated herein by reference for a more detailed description of the property. MR/ss3 9/7/10
(AU11,18,25,SE1B/19698-60T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Because of default in the payment of the indebtedness, secured by a Security Deed executed by BEVERLY BEAUCHAMP and BYRON BEAUCHAMP to HOMESIDE LENDING, INC. dated July 21, 2000, in the amount of $217,550.00, and recorded in Deed Book 21-R, Page 560, Jackson 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 September, 2010, during the legal hours of sale, at the Courthouse door in Jackson 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 on the Southern Right-of-Way of Wilbanks Circle in the 253rd G.M. District of Jackson County, Georgia containing 2.022 acres and being designated as Tract 1 according to a Plat of Survey prepared for Derrick C. Beauchamp and Kimberly A. Beauchamp, by Venable and Associates, Inc., Georgia Registered Land Surveyor No. 1761, dated July 24, 1996 and recorded at Plat Book 48, Page 135, Jackson County, Georgia Records. Reference is made to said Plat of Survey for a more complete description of the property.
This conveyance is subject to all Rights-of-Way, Restrictions, and Easements of record.
which has the property address of 352 Wilbanks Circle, Nicholson, Georgia, together with all fixtures and other personal property conveyed by said deed.
The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.
Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.
Said property will be sold as the property of Beverly Beauchamp and Byron Beauchamp 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 Beverly Beauchamp and Byron Beauchamp
Anthony DeMarlo, Attorney/cyeats
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 09-17434 /FNMA
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
(AU11,18,25,SE1B/1325-50)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, 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 ROBERT E. JOHNSON and DENISE M. DANIEL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for Sun America Mortgage, dated June 24, 2005, recorded in Deed Book 40-N, Page 510, Jackson County, Georgia Records, as last transferred to The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee for certificateholders of Bear Stearns Asset Backed Securities Trust 2006-2, Asset Backed Certificates, Series 2006-2 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 EIGHTY-FIVE THOUSAND SEVEN HUNDRED AND 0/100 DOLLARS ($185,700.00), 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 September, 2010, the following described property:
SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF
The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.
The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: EMC Mortgage Corporation, 800 State Highway 121 Bypass, Lewisville, TX 75067, 1-888-577-4011. 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 Robert E. Johnson and Denise M. Daniel or a tenant or tenants and said property is more commonly known as 146 Rosewood Circle, 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.
The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee for certificateholders of Bear Stearns Asset Backed Securities Trust 2006-2, Asset Backed Certificates, Series 2006-2 as Attorney in Fact for Robert E. Johnson and Denise M. Daniel
McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/mh0 9/7/10
Our file no. 5261009-FT1
EXHIBIT “A”
All that tract or parcel of land lying and being in 245 GMD of Jackson County, Georgia, being Lot 30, of Plantation Walk, as per plat recorded in Plat Book 62, Page 196-198, Jackson County, Georgia records, which plat is incorporated herein and made a part hereof by reference.
(AU11,18,25,SE1B/19698-70T1P)

gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Because of a default in the payment of principal and interest on that certain Note dated January 29, 2008, in the original principal amount of $640,000.00, (hereinafter the “Note”), said Note being secured by the real property described in that certain Security Deed executed by EL GUAPO DEVELOPMENT, INC. to OCONEE STATE BANK, dated October 4, 2006, recorded in Deed Book 45-V, Pages 102-112, in the Office of the Clerk of Superior Court of Jackson County, Georgia; said default having been more than thirty (30) days and not having been made good in accordance with the terms and provisions of said Security Deed, OCONEE STATE BANK, pursuant to said Security Deed, and the Note secured thereby, has declared the entire amount of the indebtedness secured by said Security Deed due, payable, and collectible; and, pursuant to the power of sale contained in said Security Deed, will, on the first Tuesday in September, 2010, within the legal hours of sale before the Courthouse door in Jackson County, Georgia, sell at public outcry to the highest bidder for cash, the property described in said Deed to Secure Debt, to wit:
All that tract or parcel of land situate, lying and being in the 1747th G.M.D., Jackson County, Georgia, being known and designated as Lot 18 of Saddle Shoals Subdivision, as shown on a plat entitled “Final Plat – Saddle Shoals Subdivision”, dated October 8, 2005 by Schmitt engineering and Land Surveying, Inc., Registered Land Surveyors, said plat being recorded in Plat Book 66, page 158-159 in the Office of the Clerk of the Superior Court of Jackson County, Georgia, and being incorporated herein by reference for a more particular description.
THIS conveyance is made subject to Protective Covenants as recorded in Deed Book 41-C, page 431 and 34-M, page 250, Conservation and Recreation Easement Agreement to Saddle Shoals Homeowners Association, dated October 20, 2005, being recorded in Deed Book 41-C, page 422 and Utility Easement in favor of Jackson County, Georgia, dated October 20, 2005, being recorded in Deed Book 41-C, page 424, Easement in favor of Jackson EMC, dated February 9, 2006, being recorded in Deed Book 42-V, page 173, Right of Way Deeds in favor of Jackson County, Georgia, recorded in Deed Book 4-K, page 367, Deed Book 4-M, page 273, Deed Book 9-D, page 484, Deed Book 8-K, page 762, Deed Book 9-O, page 717, Deed Book 9-S, page 46 and Deed Book 13-Q, page 526, fifty foot easement for passive recreation trail, building setback lines and twenty foot drainage easement as shown at Plat Book 66, page 158, all Jackson County, Georgia Records.
To the best of the undersigned’s information and belief, the address of the property is: 1189 Westminster Drive, Athens, Jackson County, Georgia 30677
Said property will be sold, a deed executed by the undersigned to purchaser and the proceeds of sale applied by the undersigned, all as provided in said power of sale and the Deed to Secure Debt containing said power.
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 entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Oconee State Bank, P.O. Box 205, Watkinsville, Georgia 30677 (706) 769-6611. However, the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.
Said property is being sold as the property of EL GUAPO DEVELOPMENT, INC. and subject to all unpaid taxes, assessments and/or matters of record, if any, which are superior to the Deed to Secure Debt being foreclosed upon.
This 4th day of August, 2010.
OCONEE STATE BANK, as Attorney-in-fact for EL GUAPO DEVELOPMENT, INC.
FORTSON, BENTLEY AND GRIFFIN, P.A.
2500 Daniell’s Bridge Road
Building 200, Suite 3A
Athens, Georgia 30606
(706) 548-1151
(AU11,18,25,SE1B/1034-80)

gpn11
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 RICKY MINISH and ANGIE MINISH to WELLS FARGO BANK, N.A. dated June 7, 2007, and recorded in Deed Book 49-B, Page 721, Jackson County Records, securing a Note in the original principal amount of $218,050.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, September 7, 2010, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in the 255th District, G.M., Jackson County, Georgia, and being that 4.71 acres, more or less, as more particularly shown on a plat of survey prepared for Ricky Minish & Angie Minish by Max Lewallen, Registered Surveyor, dated February 7, 1993, recorded in Plat Book 40, Page 102, 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 881 Harris Lord Cemetery Road, Commerce, GA 30530, 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 Ricky Minish and Angie Minish, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Ricky Minish and Angie Minish, 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 Ricky Minish and Angie Minish
File no. 10-008051
SHAPIRO & SWERTFEGER, LLP*
Attorneys and Counselors at Law
2872 Woodcock Blvd., Suite 100
Atlanta, GA 30341-3941
(770)220-2535/HP
www.swertfeger.net
*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
[FC-NOS]