FORECLOSURES

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EVERETT

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated February 17, 2007, from TIMOTHY EVERETT JR. and MARGARET A. EVERETT, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 798, page 196 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated February 17, 2007, from TIMOTHY EVERETT JR. and MARGARET A. EVERETT, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $4695.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 2013, the following property:

A 0.9615% undivided interest as tenant-in common in and to Unit No. 00050 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 09, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by TIMOTHY EVERETT JR. and MARGARET A. EVERETT

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for TIMOTHY EVERETT JR. and MARGARET A. EVERETT

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C 03-27-13

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HUDSON

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated October 1, 2011, from KATHANEETA P. HUDSON, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 969, page 382 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated October 1, 2011, from Kathaneeta P. Hudson, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $13390.95, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 2013, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0144 (the “Unit”), Apple Mountain Resort, Phase 04, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 26, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by KATHANEETA P. HUDSON

Silverleaf Resorts, Inc., a Texas Corporation

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

as Attorney-in-Fact for KATHANEETA P. HUDSON

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C 03-27-13

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JAMES

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated September 20, 2009, from SANDRA JAMES, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 906 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated September 20, 2009, from SANDRA JAMES, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $4671.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 2013, the following property:

A 0.9615% undivided interest as tenant-in common in and to Unit No. 0001E (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 06, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by SANDRA JAMES.

Silverleaf Resorts, Inc., a Texas Corporation

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

as Attorney-in-Fact for SANDRA JAMES

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C-3-27-2013

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MONDESIR

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated July 27,2010, from GLINIS M. MONDESIR, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 932 PAGE 1031 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated July 27,2010, from GLINIS M. MONDESIR, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $13219.06, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 2013, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0138 (the “Unit”), Apple Mountain Resort, Phase 03, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 22, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by GLINIS M. MONDESIR

Silverleaf Resorts, Inc., a Texas Corporation

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

as Attorney-in-Fact for GLINIS M. MONDESIR

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C 03-27-2013

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STEWARD

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated APRIL 9, 2008, from HOSIE STEWARD JR and KAREN G STEWARD, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 846 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated APRIL 9, 2008, from HOSIE STEWARD JR and KAREN G STEWARD, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $14750.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 2013, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0132 (the “Unit”), Apple Mountain Resort, Phase 03, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 12, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by HOSIE STEWARD JR and KAREN G STEWARD

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for HOSIE STEWARD JR and KAREN G STEWARD

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C-3-27-2013

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STRICKLAND

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated January 18, 2008, fromROY L. STRICKLAND and MAUREEN L. MCKOWEN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 837 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated January 18, 2008, fromROY L.STRICKLAND and MAUREEN L. MCKOWEN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $12585.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 20123 the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0138 (the “Unit”), Apple Mountain Resort, Phase 03, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 42, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by ROY L. STRICKLAND and MAUREEN L. MCKOWEN

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for ROY L. STRICKLAND and MAUREEN L. MCKOWEN

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C 03-27-13

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WEST

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated November 7, 2010 from JENNIFER WEST, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 938 page 600 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated November 7, 2010, from JENNIFER WEST, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $19854.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 2, 2013, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0142 (the “Unit”), Apple Mountain Resort, Phase 4 a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 11, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by JENNIFER WEST

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for JENNIFER WEST

Please note that the following entity has full authority to negotiate, amend and modify all terms of the mortgage with you and can be contacted as follows:

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

Please understand that silverleaf resorts. Inc., as secured creditor, is not required to negotiate, amend or modify the terms of the mortgage instrument.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

4C-3-27-2013

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TIPTON

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Elizabeth R. Tipton and Kenneth Ronnie Tipton to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc. in the original principal amount of $294,500.00 dated 01/26/2007, and recorded in Deed Book 790, page 725, Habersham County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 1001, page 220, Habersham County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2013 by CitiMortgage, Inc., as Attorney-in-Fact for Elizabeth R. Tipton and Kenneth Ronnie Tipton the following described property:

All that tract or parcel of land lying and being in Land Lots 171 and 172 of the 11th Land District of Habersham County, Georgia, being 0.99 acre, more or less, according to a plat of survey recorded in Plat Book 41, Page 198, Office of the Clerk of Superior Court, Habersham County, Georgia; said plat of survey is incorporated herein by reference for a more complete metes and bounds description of subject property.

Property known as: 380 Yearwood Rd. , Demorest, GA 30535

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Elizabeth R. Tipton and Kenneth Ronnie Tipton subject to the following:

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

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

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

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

To the best of the undersigned’s knowledge and belief, the party in possession is Elizabeth R. Tipton and Kenneth Ronnie Tipton.

CitiMortgage, Inc., as Attorney-in-fact for Elizabeth R. Tipton and Kenneth Ronnie Tipton.

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

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 12-53169-5

4C 03-27-13

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DELANEY

NOTICE UNDER POWER OF SALE

STATE OF GEORGIA, COUNTY OF HABERSHAM.

On September 30, 2010, GARY DELANEY and LINDA DELANEY executed a Promissory Note in the original principal amount of One Hundred Twenty Thousand Dollars ($120,000.00) payable to FRITZ A. SCHABAUER which note was payable in monthly installments. The note contained provisions for the payment of attorney’s fees, if collected by law or through an attorney at law. In order to secure the payment of the note, GARY DELANEY and LINDA DELANEY executed and delivered to FRITZ A. SCHABAUER, a Security Deed dated September 30, 2010, recorded in Deed Book 934, page 647 of the Habersham County, Georgia Deed Records, conveying the following described property:

All that tract or parcel of land, together with all improvements thereon, lying and being in Land Lot 148 of the 10th Land District of Habersham County, Georgia, being designated as Lot 28, containing 0.37 acre, more or less, being shown on plat of survey prepared by Russell N. Bartlett, G.R.L.S., dated November 6, 1984, last revised October 15, 1993, recorded in Plat Book 35, page 64, of the Habersham County, Georgia Plat Records, said plat is incorporated herein by reference for a more complete description.

Said property is commonly known as 110 Sara Court, Mount Airy, Habersham County, GA 30563; Tax Map#114A-061E.

Because GARY DELANEY and LINDA DELANEY defaulted in fulfilling the terms of said Note and Security Deed, FRITZ A. SCHABAUER pursuant to the terms of said Note and Security Deed securing the same, has exercised its option and declared the entire balance due and collectible. Notice fixing the liability for attorney’s fees has been given as required by law.

The property will be sold as the property of GARY DELANEY and LINDA DELANEY to the best of the undersigned’s knowledge and belief, the party in possession of this property is GARY DELANEY and LINDA DELANEY.

The Security Deed contain a power of sale authorizing FRITZ A. SCHABAUER, as attorney in fact for GARY DELANEY and LINDA DELANEY to sell the aforesaid property in order to satisfy this debt after advertising the same once a week for four (4) weeks in accordance with said power of sale and by virtue thereof, FRITZ A. SCHABAUER will sell such property at public outcry to the highest and best bidder for cash, on the first Tuesday in April, 2013, at the place of public sale before the courthouse door in HABERSHAM COUNTY, Georgia, and within the legal hours of sale. 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 above-referenced Security Deed.

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

The proceeds of this sale will be used (1) to pay the expenses of said sale; (2) to pay the sums secured by said Security Deed; (3) to pay any accrued taxes; and, (4) the balance will be distributed as provided by law and as provided in the above-referenced Security Deed.

The undersigned will execute a deed to the purchaser as provided in the above-referenced Security Deed.

FRITZ A. SCHABAUER, as attorney in fact for

GARY DELANEY AND LINDA DELANEY

OLIVER & WEIDNER, LLC

Attorneys at Law

854 Washington Street, Suite 300

Clarkesville, GA 30523

706-754-9000

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.

4C 03-27-2013

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OGLESBY

NOTICE OF SALE UNDER POWER, HABERSHAM COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Edwin E. Oglesby and Rhonda A. Oglesby to Mortgage Electronic Registration Systems, Inc. as nominee for United Security Financial dated 7/15/2010 and recorded in Deed Book 927 Page 1036, HABERSHAM County, Georgia records; as last transferred to United Security Financial, conveying the after-described property to secure a Note in the original principal amount of $ 85,092.00, 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 HABERSHAM County, Georgia, within the legal hours of sale on April 2, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN HABERSHAM COUNTY, GEORGIA AS DESCRIBED IN: THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 175, 171, 192 AND 193 OF THE 2ND AND 11TH DISTRICT OF HABERSHAM COUNTY, GEORGIA, BEING DESIGNATED AS LOT 40, CONTAINING 1.36 ACRES, OF CAIN BRIDGE MEADOWS SUBDIVISION, AS SHOWN ON A PLAT OF SURVEY FOR CAIN BRIDGE MEADOWS DATED AUGUST 1, 2001, REVISED AUGUST 25, 2001, SEPTEMBER 10, 2001, JANUARY 10, 2002, JUNE 20, 2002 AND JULY 3, 2002 AND RECORDED IN PLAT BOOK 52, PAGE 227, HABERSHAM COUNTY RECORDS; SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE PROPERTY. SUBJECT TO DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR CAIN BRIDGE MEADOWS SUBDIVISION DATED JUNE 1, 2002 AND RECORDED IN DEED BOOK 559, PAGE 556, HABERSHAM COUNTY RECORDS. THIS CONVEYANCE IS SUBJECT TO EASEMENTS, AGREEMENTS AND RESTRICTIVE COVENANTS OF RECORD AS WELL AS LAND USE ORDINANCES AND REGULATIONS.

 BEING THE SAME PREMISES AS CONVEYED IN DEED FROM VIVIAN’S MOBILE HOMES, INC. RECORDED 04/05/2004 IN BOOK 648, PAGE 290 IN SAID COUNTY AND STATE.

COMMONLY KNOWN AS: 180 CAINBRIDGE MEADOWS DEMOREST GA

 MAKE-FLEETWOOD HOMES OF GEORGIA MODEL #-4403V 021304 SERIAL #’s-GAFL407A51922F211 and GAFL407B51922F211 YEAR-2004 TAX ID:  022-080A-000-000-000

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).  United Security Financial is the current owner of the loan.

Said property is commonly known as 180 Cainbridge Meadows, Demorest, Georgia 30535 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Edwin E. Oglesby and Rhonda A. Oglesby or tenant or tenants.

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

 Dovenmuehle Mortgage, Inc.

Loss Mitigation Department

1 Corporate Center Drive, Suite 360

Lake Zurich, IL 60047

1-888-395-3997

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

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

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

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

United Security Financial as agent and Attorney in Fact for Edwin E. Oglesby and Rhonda A. Oglesby

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1072-2978

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ELLER

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of the power of sale contained in a Security Deed from Jonathan L. Eller and Lana Faith Segers to Mortgage Electronic Registration Systems Inc., as nominee for First Horizon Home Loans, a Division of First Tennessee Bank, N.A. dated June 26, 2008 recorded in Deed Book 854, Page 613-622 , Habersham County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY-ONE THOUSAND SEVEN HUNDRED SEVENTY-FIVE AND 00/100 ($141,775.00), 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 Habersham County, Georgia, during the legal hours of sale on the first Tuesday, April 2, 2013 the following described property, to wit:

ALL THAT TRACT or parcel of land, lying and being in Land Lots 177, 178 and 179 of the 10th Land District of Habersham County, Georgia, being identified as Lot 29 of Russell Woods Subdivision, on a plat of survey prepared by Landtech Services, Inc. and James L. Alexander, Registered Land Surveyor, dated July 15, 2005, recorded in Plat Book 58, Pages 226-229, Office of the Clerk of Superior Court, Habersham County, Georgia. The description shown by said plat of survey being incorporated herein by reference for more particular description thereof.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including 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, 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 Jonathan L. Eller and Lana Faith Segers or, a tenant or tenants, and said property was or is commonly known as 224 Russell Woods Drive, Mount Airy, GA 30563.

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

JPMorgan Chase Bank, National Association

As Attorney in Fact for

Jonathan L. Eller and Lana Faith Segers

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-12294

/ Publication Dates: March 5, 12, 19, 26, 2013

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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KELL

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of the power of sale contained in a Security Deed from Donald L. Kell to Mortgage Electronic Registration Systems Inc., as nominee for HomeStar Financial Corp., its successors and assigns dated September 23, 2010 recorded in Deed Book 933, Page 812-823 , Habersham County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND SIX HUNDRED FIVE AND 00/100 ($131,605.00), 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 Habersham County, Georgia, during the legal hours of sale on the first Tuesday, April 2, 2013 the following described property, to wit:

All that tract or parcel of land, together with improvements thereon, situate, lying and being in Land Lots 141 and 142 of the 11th Land District of Habersham County, Georgia, and being designated as Lot 15 of Eagles Nest Subdivision, containing 1.20 acres, more or less, as shown and delineated on a plat of survey prepared by Hubert Lovell, G.R.L.S., dated June 16, 1997, and recorded in Plat Book 42, page 97 of the Habersham County, Georgia Plat Records. Said plat is incorporated herein by reference and made a part of this description.

TOGETHER WITH a non-exclusive easement over and across the subdivision roads as shown on the above-referenced plat.

SUBJECT TO an easements recorded in Deed Book 375, page 486 and Deed Book 402, page 765 of the Habersham County, Georgia Deed Records.

SUBJECT TO the Declaration of Covenants and Restrictions for Eagles Nest Subdivision, dated July 16, 1997, and recorded in Deed Book 379, page 202 of the Habersham County, Georgia Deed Records.

This is the same property conveyed to Joseph T. Heaton by virtue of a Warranty Deed from Carven Banks, dated May 15, 2000, and recorded in Deed Book 473, page 236.

This is a purchase money security deed

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including 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, 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 Donald L. Kell or, a tenant or tenants, and said property was or is commonly known as 230 Eagles Nest Drive, Clarkesville, GA 30523.

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

JPMorgan Chase Bank, National Association

As Attorney in Fact for

Donald L. Kell

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 13-16908

/ Publication Dates: March 5, 12, 19, 26, 2013

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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WILLIAMS

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of the power of sale contained in a Security Deed from Jimmie Celena Williams to Mortgage Electronic Registration Systems Inc., as nominee for HomeStar Financial Corp., its successors and assigns dated June 8, 2011 recorded in Deed Book 957, Page 272-284 , Habersham County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FOURTEEN THOUSAND EIGHT HUNDRED NINETY-SIX AND 00/100 ($114,896.00), 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 Habersham County, Georgia, during the legal hours of sale on the first Tuesday, April 2, 2013 the following described property, to wit:

All that tract or parcel of land, together with all improvements thereon, lying and being in Land Lot 144 of the 11th Land District of Habersham County, Georgia, containing 1.03 acres, more or less, being shown on plat survey prepared for Thomas I. Furrow and Betty J. Furrow by Jeff Weshner, G.R.L.S., dated December 30, 1989, and recorded in Plat Book 28, page 94, of the Habersham County, Georgia Plat Records, said plat is incorporated herein by reference for a more complete description.

Subject to all easements, restrictions, reservations, set-backs, and rights-of-way of record or those delineated on the above-referenced plat of survey, if any.

This is the same property conveyed to Henson Reeder by virtue of a Warranty Deed from Homesales, Inc. dated June 28, 2010, recorded in Deed Book 925, page 317.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including 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, 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 Jimmie Celena Williams or, a tenant or tenants, and said property was or is commonly known as 1865 Hwy 17, Clarkesville, GA 30523.

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

JPMorgan Chase Bank, National Association

As Attorney in Fact for

Jimmie Celena Williams

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 13-16881

/

Publication Dates: March 5, 12, 19, 26, 2013

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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PERRY

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of the power of sale contained in a Security Deed from Brittany Perry to Mortgage Electronic Registration Systems Inc., as nominee for Homestar Financial Corp., its successors and assigns dated December 29, 2010 recorded in Deed Book 945, Page 887-898 re-recorded at Deed Book 951, Page 848-859 recorded April 13, 2011, Habersham County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWO THOUSAND ONE HUNDRED SEVENTY-SIX AND 00/100 ($102,176.00), 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 Habersham County, Georgia, during the legal hours of sale on the first Tuesday, April 2, 2013 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lots 177, 178 and 179 of the 10th Land District of Habersham County, Georgia, being identified as Lot 38 of the Russell Woods Subdivision, as shown on a plat of survey prepared by Landtech Services, Inc. and James L. Alexander, Registered Land Surveyor, July 15, 2005, and being of record in Plat Book 58, Pages 226-229, Office of the Clerk of Superior Court, Habersham County, Georgia. The description shown by said plat of survey being incorporated herein by reference for a more particular description theretof.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including 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, 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 Brittany Perry or, a tenant or tenants, and said property was or is commonly known as 571 Cypress Drive Mount Airy, GA 30563.

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

JPMorgan Chase Bank, National Association

As Attorney in Fact for

Brittany Perry

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 13-16749

/ Publication Dates: March 5, 12, 19, 26, 2013

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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MORRISON

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from SHIRLEY J MORRISON AND JAMES R MORRISON to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR SHELTER MORTGAGE COMPANY, LLC DBA FAIRFIELD MTG, dated December 12, 2008, recorded December 22, 2008, in Deed Book 871, Page 351, Habersham 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-One Thousand and 00/100 dollars ($161,000.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to GUARANTY BANK, secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2013, all property described in said Security Deed including but not limited to the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 53 OF THE 12TH LAND DISTRICT OF HABERSHAM COUNTY, GEORGIA, DESIGNATED AS LOT 1, CONTAINING 0.47 ACRE, MORE OR LESS, AND LOT 2, CONTAINING 0.66 ACRE, MORE OR LESS, ALL OF THE ROLLING HILLS SUBDIVISION, AS SHOWN ON A PLAT OF SURVEY PREPARED BY HUBERT LOVELL, R.S., UNDER DATE OF, A COPY OF SAID PLAT BEING OF RECORD IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF HABERSHAM COUNTY, GEORGIA, IN PLAT BOOK 19, PAGE 187, TO WHICH SAID PLAT AND THE RECORD THEREOF REFERENCE IS HEREBY MADE FOR A MORE COMPLETE DESCRIPTION.

NOTE: THE ABOVE DESCRIBED PROPERTY IS CONVEYED SUBJECT TO PROTECTIVE COVENANTS IMPOSED BY AN INSTRUMENT RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF HABERSHAM COUNTY, GEORGIA IN DEED BOOK 166, PAGE 710.

Said legal description being controlling, however the property is more commonly known as 163 ROLLING HILLS LANE, CLARKESVILLE, GA 30523.

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

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is SHIRLEY J MORRISON AND JAMES R MORRISON, 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.

Guaranty Bank., holds the duly endorsed Note and is the current assignee of the Security Deed to your property. Guaranty Bank, acting on behalf of and, as necessary, in consultation with Federal National Mortgage Association (the current investor on your loan), is the entity with the full authority to negotiate, amend, and modify all terms of your loan. Pursuant to O.C.G.A. § 44-14-162.2, you may contact Guaranty Bank at:

Guaranty Bank

4000 w. Brown Deer Rd.

Milwaukee, WI 53209

800-741-4605

Please note that, pursuant to O.C.G.A. § 44-14-162.2, you are not entitled by law to an amendment or modification of the terms of your loan.

GUARANTY BANK

as Attorney in Fact for

SHIRLEY J MORRISON AND JAMES R MORRISON

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

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

Telephone Number: (877) 813-0992 Case No. GTY-12-13176-0002

Ad Run Dates 03/06/2013, 03/13/2013, 03/20/2013, 03/27/2013

www.rubinlublin.com/property-listings.php

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WILLIAMS

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF HABERSHAM

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt With Power of Sale (“Security Deed”) executed by Charles Travis Williams in favor of Community Bank and Trust dated February 15, 2008, recorded at Deed Book 839, Pages 42-43 of the Habersham County Deed Records, and assigned pursuant to that Transfer and Assignment of Deed to Secure Debt from FDIC, in its capacity as Receiver for Community Bank & Trust, to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. dated January 26, 2011, recorded in Deed Book 946, pages 256-281 of the aforesaid records, the undersigned will sell at public outcry to the highest bidder for cash before the door of the Courthouse of Habersham County, Georgia, during the legal hours of sale, on the first Tuesday in April, that being April 2, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lots 177, 178 and 179 of the 10th District, 1st Section, of Habersham County, Georgia, designated as Lot 24 of the Russell Woods Subdivision, containing 1.424 acres, more or less, as shown on a plat of survey prepared for Russell Woods Subdivision by Landtech Services, Inc. and James L. Alexander, Georgia Registered Land Surveyor, under date of July 14, 2005, as last revised under date of June 7, 2006, a copy of said plat being of record in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 58, pages 226-229, to which said plat and the record thereof reference is hereby made for a more complete description.

TOGETHER WITH a non-exclusive easement for ingress and egress via the course of existing subdivision roads shown on the plat referred to above.

The debt secured by said Security Deed is evidenced by a promissory note (the “Note”) from Charles Travis Williams, dated September 21, 2011, in the original principal amount of $22,442.17, payable, principal and interest from the date thereof shown on said Note on the unpaid balance until paid.

Default has occurred in the payment of the debt evidenced by the Note and secured by the Security Deed as a result of the nonpayment of installments owed thereunder. The total balance of said debt has, therefore, been declared due and the Security Deed foreclosable according to its terms.

The debt remaining in default, the property will be sold to the highest bidder for cash as the property of Charles Travis Williams, the proceeds to be applied to the payment of said indebtedness, attorneys’ fees (notice of intention to collect attorneys’ fees having been given), and the lawful expenses of said sale, all as provided in the Note and the Security Deed, said sale to be subject to any and all unpaid taxes and assessments, and restrictions, easements and liens of record with priority over the Security Deed referenced above.

To the best of the undersigned’s knowledge and belief, the property is in the possession of Charles Travis Williams and will be sold as the property of Charles Travis Williams.

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

Charles Travis Williams

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

Hulsey, Oliver & Mahar, LLP

P. O. Box 1457

Gainesville, GA 30503

(770) 532-6312

ASH/mem/9712/W149083

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CHEEK

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 Don C Cheek to Mortgage Electronic Registration Systems, Inc., as nominee for Shelter Mortgage Company, LLC dba Fairfield Mtg, its successors and assigns, dated April 17, 2006, recorded in Deed Book 751, Page 546, Habersham County, Georgia Records, as last transferred to JPMorgan Chase Bank, National Association by assignment recorded in Deed Book 1013, Page 265, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-ONE THOUSAND AND 0/100 DOLLARS ($161,000.00), 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 Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. JPMorgan Chase Bank, National Association is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMorgan Chase Bank, National Association, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. To the best knowledge and belief of the undersigned, the party in possession of the property is Don Cheek or a tenant or tenants and said property is more commonly known as 217 Hilltop Lane, Clarkesville, Georgia 30523. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Chase Bank, National Association as Attorney in Fact for Don C Cheek McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ts1 4/2/13 Our file no. 578613-FT18 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 160 of the 13th Land District of Habersham County, Georgia, being designated as Tract #1, containing 6.47 acres, more or less on a plat of survey prepared by Hubert Lovell, R.S., under date of September 4, 1975, and being more fully described as follows: Commencing at an iron pin on the Northwesterly margin of private road with lands of Fabrick and running thence North 28 degrees 08 minutes West 340.0 feet with lands of Fabrick to an iron pin; thence North 28 degrees 08 minutes West 209.0 feet with lands of Fabrick to an iron pin; thence North 61 degrees 00 minutes East 378.10 feet with lands of Fincher to a point in the center of unpaved county roadway; thence South 72 degrees 04 minutes East 75.1 feet and South 60 degrees 09 feet East 232.4 feet along the center of said road to a point; thence South 26 degrees 14 minutes East 295.0 feet with lands of U.S. Forest Service to an iron pin on the Northwesterly margin of private unpaved roadway; thence South 60 degrees 57 minutes West 543.7 feet along the Northwesterly margin of said unpaved private roadway to the beginning iron pin corner. MR/ts1 4/2/13 Our file no. 578613 - FT18

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CRAWFORD

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 Bryan H Crawford and Bryson L Crawford to Mortgage Electronic Registration Systems, Inc. as nominee for Suntrust Mortgage, Inc. its successors and assigns, dated June 18, 2007, recorded in Deed Book 810, Page 708, Habersham County, Georgia Records, as last transferred to Federal National Mortgage Association by assignment recorded in Deed Book 1015, Page 64, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTEEN THOUSAND SIX HUNDRED EIGHTY AND 0/100 DOLLARS ($115,680.00), 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 Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2013, the following described property:All that tract or parcel of land lying and being in Land Lot 113 of the 10th Land District of Habersham County, Georgia, designated as Lot 14, Containing 1.04 acres, more or less, of Chase Woods, Phase II, as shown on a plat of survey prepared by Hubert Lovell, R.S., under date of September 30, 1996, a copy of said plat being of record in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 40, Page 257, to which said plat and the record thereof reference is hereby made for a more complete description. Together with a non-exclusive easement for ingress and egress to and from the above-described property via the course of existing subdivision roads as shown on the plat referred above. Note: The above described property is subject to Restrictive Covenants imposed by an instrument dated January 2, 1996, recorded in the Office of the Clerk of Superior Court of Habersham County, Georgia, in Deed Book 345, Pages 118-125, Stephens County Records. Note: By acceptance of this deed, the Grantee understands and agrees that the above described property may be annexed to the City of Cornelia. The above described property being the same as that conveyed by Warrant Deed from George Anderson to David A. Butler and Lara C. Butler dated August 12, 1999, recorded in Deed Book 446, Page 1, Habersham County Records. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Seterus, Inc. holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association (“Fannie Mae”). »Seterus, Inc. can be contacted at 888-917-3094 or by writing to 14523 S.W. Millikan Way Suite 200, Beaverton, OR 97005, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Bryan H Crawford and Bryson L Crawford or a tenant or tenants and said property is more commonly known as 134 Chase Woods Drive, Cornelia, Georgia 30531. 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. Federal National Mortgage Association as Attorney in Fact for Bryan H Crawford and Bryson L Crawford Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/ndo 4/2/13 Our file no. 1885312-FT1

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RAMSEY

STATE OF GEORGIA

COUNTY OF HABERSHAM NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Connie Ramsey to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc. in the original principal amount of $133,600.00 dated 02/02/2006, and recorded in Deed Book 741, page 476, Habersham County records, said Security Deed being last transferred and assigned to ABN AMRO Mortgage Group, Inc. in Deed Book 746, page 124, Habersham County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2013 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Connie Ramsey the following described property:

All that tract or parcel of land lying and being in Land Lots 103 and 104 of the 10th Land District of Habersham County, Georgia, being known and designated as Lot 19 of Silverwood Subdivision, as shown on plat of survey by Kenyon L. Miller, R.L.S., recorded in Plat Book 47, Page 270, in the Office of the Clerk of Superior Court of Habersham County, Georgia, which reference to said plat being made for a more full and complete description.

Subject to Declaration of Covenants, Conditions and Restrictions for Silverwood Subdivision, recorded in Deed Book 456, Pages 308-314, inclusive, Habersham County, Georgia Records.

Subject to restrictions, reservations, easements and rights-of-way of record, if any.

Property known as: 126 Silverwood Drive, Cornelia, GA 30531

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Connie Ramsey subject to the following:

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

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

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

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

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

CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Connie Ramsey.

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

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 12-52630-3

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BERGEY

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Bryan Bergey and Patricia Bergey to RBC Centura Bank dated May 26, 2005 in the amount of $52,200.00, and recorded in Deed Book 707, Page 795, Modification of Security Deed recorded at Deed Book 937, Page 711 , Habersham County, Georgia Records; as last transferred to PNC Bank National Association by assignment; the undersigned, PNC 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 April, 2013 , during the legal hours of sale, at the Courthouse door in Habersham County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land lying and being in Land Lot 68 & 69 of the 11th District, Habersham County, Georgia, containing 2.06 acres, more or less, and being Lot 25 of Land O`Goshen Subdivision, as per plat recorded in Plat Book 21, Page 115, Habersham County, Georgia Records, which recorded plat is incorporated herein by this reference and made a part of this description.

which has the property address of Lot 25 Land O`Goshen, Clarksville, Georgia., together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

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

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

Said property will be sold as the property of Bryan Bergey and Patricia Bergey 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.

PNC Bank National Association Attorney in Fact for

Bryan Bergey and Patricia Bergey

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates: 03-06-2013, 03-13-2013, 03-20-2013, 03-27-2013

File No. 13-00422 /CONV/kandrade

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

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WATTS

GEORGIA, HABERSHAM COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from Calvin Watts and Betty Jean Watts to SCBT d/b/a CBT, a Division of SCBT, dated August 8, 2012, recorded among Habersham County, Georgia Records in Deed Book 997, Page 173, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in April, 2013 by SCBT d/b/a CBT, a Division of SCBT, as Attorney-in-Fact for Calvin Watts and Betty Jean Watts the following described property:

All that tract or parcel of land lying and being in Land Lot 139 of the 10th Land District of Habersham County, Georgia, being shown and designated as Lot 5, Block 2 of Popular Home Sites on plat of survey prepared by O.F. Smith, R.L.S., dated May 9, 1969 and being recorded among Habersham County, Georgia Records in Plat Book 14, Page 195, said plat being incorporated herein by reference for a more full and complete description.

ALSO: All that tract or parcel of land lying and being in Land Lot 139 of the 10th Land District of Habersham County, Georgia, containing 0.19 acre, more or less, as shown on plat of survey prepared by Max Lewallen, R.L.S., dated July 17, 1984 and being recorded among Habersham County, Georgia Records in Plat Book 20, Page 108, said plat being incorporated herein by reference for a more full and complete description.

The above described property is the same property described as Lot 1, Block 2 on a plat of survey for Popular Home Sites prepared by O.F. Smith, R.S. dated May 9, 1969 and being recorded among Habersham County, Georgia Records in Plat Book 14, Page 195.

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees (notice having been given as provided by law).

The property will be sold subject to the following:

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

To the best of the undersigned’s knowledge and belief, the parties in possession are Calvin Watts and Betty Jean Watts or a tenant or tenants.

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

The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is SCBT d/b/a CBT, a Division of SCBT, 448 North Main Street, Cornelia, Georgia, 30531; phone number 706-894-3576.

SCBT d/b/a CBT, a Division of SCBT, as Attorney-in-fact for Calvin Watts and Betty Jean Watts.

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

M. Keith York

Kimzey, Kimzey & York

P. O. Box 38

Cornelia, GA 30531

(706) 778-6823

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MASHBURN

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 John H Mashburn and Wanda Mashburn to Mortgage Electronic Registration Systems, Inc., dated September 9, 2004, recorded in Deed Book 672, Page 947, Habersham County, Georgia Records, as last transferred to Federal National Mortgage Association by assignment recorded in Deed Book 1012, Page 142, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of SIXTY-NINE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($69,900.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Federal National Mortgage Association is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Seterus, Inc., 14523 S.W. Millikan Way Suite 200, Beaverton, OR 97005, 888-917-3094. To the best knowledge and belief of the undersigned, the party in possession of the property is John H Mashburn and Wanda Mashburn or a tenant or tenants and said property is more commonly known as 1496 Amys Road, Clarkesville, Georgia 30523. 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. Federal National Mortgage Association as Attorney in Fact for John H Mashburn and Wanda Mashburn McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/dmo 4/2/13 Our file no. 51106112-FT8 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 143 of the 11th Land District of Habersham County, Georgia being Tract 1, containing 1.33 acres according to plat of survey made by James A. Long, RLS, under date of May 8, 1978, a copy of said plat being of record in Plat Book 14, Page 251, in the office of the Clerk of Superior Court of Habersham County, Georgia. Reference is hereby made to said plat of survey and the record thereof for a more complete description of said property. Subject to all existing easements of record. Note: The plat referred to above erroneously shown the property as fronting on Georgia Highway 105, when in fact the property fronts Georgia Highway 17. The prior deed from Ralph McNabb to Michael B. Hill dated July, 1985 recorded in the Office of the Clerk of Superior Court of Habersham County, Georgia in Deed Book 207, Page 285, contains an error which calls for the southerly property line to be 423.06 feet in length when in fact the correct distance for said property line is 313.06 MR/dmo 4/2/13 Our file no. 51106112 - FT8

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KAY

GEORGIA, HABERSHAM COUNTY

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Clifton Hewell Kay Jr. to Mortgage Electronic Registration Systems, Inc. as nominee for Washtenaw Mortgage Company dated April 29, 2004, and recorded in Deed Book 654, Page 241, Habersham 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 $140,000.00, 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, April 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT or parcel of land lying and being in Land Lot 3 of the 10th Land District of Habersham County, Georgia, and being Tracts 1,2, & 3, containing 7.46 acres, as shown on a plat dated April 12, 2000, prepared for Brenda C. Kay, by Holcomb Surveying, Inc., Georgia Registered Land Surveyors, same being recorded in Plat Book 48, Page 218, Habersham County, Georgia, Plat Records. Said plat and the record thereof are incorporated herein by reference for a more full and complete description of said property.

Said property is known as 374 Elrod Drive, Clarkesville, GA 30523, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

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

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

The property is or may be in the possession of Clifton Hewell Kay, Jr., successor in interest or tenant(s).

Wells Fargo Bank, N.A. as Attorney-in-Fact for Clifton Hewell Kay Jr.

File no. 13-039170

SHAPIRO, SWERTFEGER & HASTY, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/KMM

www.swertfeger.net

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

[FC-NOS]

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STAMEY

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF HABERSHAM

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by Ann Bernice Nations Stamey to AgGeorgia Farm Credit, ACA dated July 13, 2010 and filed and recorded July 13, 2010, in Deed Book 926, Pages 556-562, Habersham County, Georgia, Superior Court Clerk’s Office Deed records conveying the after described property to secure a note with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door in Habersham County, Georgia, within the legal hours of sale upon the first Tuesday in April, 2013 (April 2, 2013) and continuing from day to day until sold, the following described property, to-wit:

All that tract or parcel of land, together with all improvements thereon, lying and being in Land Lot 6 of the 12th Land District of Habersham County, Georgia, being designated as Tract 3, containing 15.00 acres, more or less, being shown on plat of survey prepared for Ann Stamey by Jeff Weshner, G.R.L.S., dated June 10, 2003, and recorded in Plat Book 54, page 229, of the Habersham County, Georgia Plat Records, said plat is incorporated herein by reference for a more complete description.

Subject to all easements, restrictions, reservations, set-backs, and rights-of-way of record or those delineated on the above-referenced plat of survey, if any.

This is the same property conveyed to Ann Bernice Nations Stamey by virtue of a Corrective Deed of Assent from Charles C. Stamey dated September 23, 2003, recorded in Deed Book 626, page 806.

The debt secured by said Deed to Secure Debt is evidenced by a Fixed Rate Note dated July 13, 2010, in the original principal amount of Ninety-Six Thousand Three Hundred Ninety Dollars and No Cents ($96,390.00) executed by Ann Bernice Nations Stamey in favor of AgGeorgia Farm Credit, ACA as modified by Note Modification Agreement dated May 4, 2012 in the original principal amount of Ninety-One Thousand Eight Hundred Thirty-Four Dollars and 68 Cents ($91,834.68) executed by Ann Bernice Nations Stamey in favor of AgGeorgia Farm Credit, ACA. The debt secured by the Deed to Secure Debt and evidenced by the Fixed Rate Note and its Modification 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 Fixed Rate Note and Deed to Secure Debt. The debt remains in default and this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

The property will be sold as the property of Ann Bernice Nations Stamey. To the best of knowledge and belief of the undersigned, the party (or parties) in possession of the subject property known as 526 Donald Cleveland Road, Mt. Airy, Georgia 30523 is Ann Bernice Nations Stamey, and or her tenant, or present occupant.

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. § 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. § 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.

Ann Bernice Nations Stamey has been notified in accordance with Georgia Law that attorney’s fees will be collected for the default in payment of said Fixed Rate Note, and has been further notified in accordance with O.C.G.A. § 44-14-162 through § 44-14-162.4 that foreclosure proceedings have been instigated against this property by sending a copy of the legal advertisement prior to 30 days before the date of sale, by certified mail to the property address or such other address as Ann Bernice Nations Stamey may designate by written notice to the secured creditor. The person who shall have full authority to negotiate, amend, and modify all terms of the Deed to Secure Debt with Ann Bernice Nations Stamey, together with their telephone number is as follows: AgGeorgia Farm Credit, ACA, 468 Perry Parkway, PO Box 1820, Perry, Georgia 31069-1820; (478) 987-8300.

The property will be sold as the property of the makers of said Deed to Secure Debt or their assigns, in bar of all equity or redemption, and will divest all of the right, title and interest of the makers thereof, or their assigns, in and to said property, and shall invest such title in the purchaser.

The proceeds of said sale will be used first to the payment of expenses of said sale, including those attorney’s fees provided by said Deed to Secure Debt and/or that Note secured thereby; the payment of said Fixed Rate Note, principal and interest; and the balance, if any, will be distributed as provided by law.

THIS IS AN ATTEMPT TO COLLECT A DEBT; ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

AgGeorgia Farm Credit, ACA

Attorney in Fact for Ann Bernice Nations Stamey

Acting Pursuant To Powers

Contained In Said Deed to Secure Debt

By: R. Shane Lazenby

FORRESTER & BRIM

P.O. Box 1688

Gainesville, Georgia 30503

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HUFF

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Barbara C. Huff to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc. in the original principal amount of $113,400.00 dated 01/26/2006, and recorded in Deed Book 740, page 168, Habersham County records, said Security Deed being last transferred and assigned to ABN AMRO Mortgage Group, Inc. in Deed Book 746, page 122, Habersham County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2013 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Barbara C. Huff the following described property:

All that tract or parcel of land lying and being in Land Lots 71 and 80 of the 10th Land District of Habersham County, Georgia, designated as Lot 15 of the Legacy Woods Subdivision, Phase I, containing .1248 acres, more or less, as shown on a

plat of survey prepared for Legacy Woods by Samuel L. Duvall, R.S., under date of May 7, 2001, a copy of said plat being of record in the Office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 50, Page 173, to

which said plat and the record thereof reference is hereby made for a more complete description.

Property known as: 180 Legacy Drive, Demorest, GA 30535

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Barbara C. Huff subject to the following:

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

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

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

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

To the best of the undersigned’s knowledge and belief, the party in possession is Barbara C. Huff.

CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Barbara C. Huff.

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

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 13-00582-1

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HARRIS

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF HABERSHAM

By virtue of a Power of Sale contained in that certain Security Deed from Amanda N. Harris and Joshua R. Harris to 21st Mortgage Corporation, dated July 1, 2008 and recorded in Deed Book 856, Page 151, in the Office of the Clerk of Superior Court of Habersham County, Georgia, said Security Deed having been given to secure a Note dated, July 1, 2008, in the original principal amount of Eighty One Thousand Forty Eight and 04/100 Dollars ($81,048.04) with interest thereon as provided therein, will be sold at public outcry to the highest bidder for cash before the courthouse door of Habersham County, Georgia, within the legal hours of sale on the first Tuesday of April 2013, regarding the following described property:

All that tract of land lying and being in Land Lot 134 of the 10th Land District of Habersham County, Georgia, designated as 1.00 acre, more or less, as shown on a plat of survey dated June 23, 2008, by J.A. Page and Associates, prepared by J.A. Page, Jr. G.R.L.S. No. 1894, for Josh Harris and recorded in Plat Book 61, Page 193, in the Office of the Clerk of Superior Court, Habersham County, Georgia, reference being made to said plat for a more complete description of the tract herein described and conveyed and being incorporated herein. Being more particularly described as follows:

To find the True Point of Beginning, begin at the centerline intersection of Hubert Harris Road and Duncan Bridge Road (Georgia Highway 384) from said point, thence running North 58 degrees 23 minutes 24 seconds East, a distance of 725.32 feet to a point marked by a crimped top pipe located on the northerly right-of-way of Hubert Harris Road (having a 30 foot prescriptive right-of-way), this being the True Point of Beginning: thence leaving the right-of-way of Hubert Harris Road running North 09 degrees 22 minutes 48 seconds West, a distance of 168.39 feet to a point marked by a crimped top pipe; thence running North 51 degrees 09 minutes 00 seconds East, a distance 260.52 feet to a point marked by an iron pin set; thence running South 06 degrees 19 minutes 57 seconds West, a distance of 365.31 feet to a point marked by an iron pin set in the northerly right-of-way of Hubert Harris Road; thence continuing along the northerly right-of-way of Hubert Harris Road running North 64 degrees 53 minutes 41 seconds West, a distance of 13.77 feet to a point; thence continuing along the northerly right-of-way of Hubert Harris Road running North 77 degrees 17 minutes 12 seconds West, a distance of 125.77 feet having a lineal distance of 126.76 feet with a radius 293.05 feet to a point marked by a crimped top pipe, this being the True Point of Beginning.

This being a portion of the property conveyed by deed recorded in Deed Book 444, Page 587, said records.

Said property is commonly known as 325 Hubert Harris Rd., Cornelia, GA 30531.

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 attorney’s 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 of said property; zoning ordinances, matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Amanda N. Harris and Joshua R. Harris or tenant(s).

21st Mortgage Corporation

as Attorney-in-Fact for

Amanda N. Harris and Joshua R. Harris

Contact:

Topping & Associates, LLC

1930 N. Druid Hills Rd., Suite B

Atlanta, Georgia 30319

(404) 728-0220

Ad Run Dates: 3/5/13; 3/12/13; 3/19/13; and 3/26/13

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

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DEMUS

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Under and by virtue of the Power of Sale contained in a Security Deed given by Kathleen Ann Demus toShelter Mortgage Company, LLC dba Fairfield Mortgage , dated November 17, 2006 , recorded on November 28, 2006 in Deed Book 782, Page 262, said Security Deed having been last sold, assigned, transferred and conveyed to OneWest Bank, FSB by Assignment conveying the after-described property to secure a Note in the original principal amount of $135,000.00, with interest thereon as set forth therein, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on April 2, 2013 during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract or parcel of land together with improvements thereon lying and being in a part of Land Lot Number 172 in the 10th Land District of Habersham County, and in the City of Cornelia, Georgia, the same being part of Lot Numbers 4 and 5 in Block A of the Mt. Park Subdivision as shown by plat of D. Coner, dated June 1907 now recorded in Plat Book TT, Page 270 and being more particularly described on a survey and plat by J.S. King, RS, dated December 1947, recorded in Plat Book 3, Page 157, in the Office of the Clerk of Superior Court of Habersham County, Georgia, which said plat is incorporated herein by reference and made a part of this description.

Being the same property as that conveyed by Warranty Deed for Life with Remainder to Survivor from Andrew Demus to Andrew Demus and Kathleen Ann Demus dated June 5, 1997 recorded in Deed Book 376, Page 270, Habersham County Records.

Subject to all easements, restrictions, reservations and Rights-of-Way of record, if any.

Said property is known as 460 Front Street, Cornelia, Georgia., together with all fixtures and personal property attached to and constituting a party of said property, if any.

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

Said property will be sold as the property of Kathleen Ann Demus, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Kathleen Ann Demus or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

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

The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including, without limitation, attorneys` fees. Notice has been given of intention to collect attorneys` fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law.

Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage is as follows:Financial Freedom Senior Funding Corporation 7700 W. Parmer Lane, Bldg. D Austin, TX 78729 Phone Number: (800) 441-4428. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.

OneWest Bank, FSB

as Attorney in Fact for

Kathleen Ann Demus

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates: 03-06-2013, 03-13-2013, 03-20-2013, 03-27-2013

File No. 11-00719 /RMCONV/wmorgan

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

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FRY

Notice of Sale Under Power. State of Georgia, County of HABERSHAM.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JOEL A. FRY AND SHERRY K. FRY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR UNITED COMMUNITY MORTGAGE SERVICES, INC. , dated 05/06/2010, and Recorded on 05/12/2010 as Book No. 921 and Page No. 80, HABERSHAM County, Georgia records, as last assigned to JPMORGAN CHASE BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $168,367.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the HABERSHAM County Courthouse within the legal hours of sale on the first Tuesday in April, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND, TOGETHER WITH IMPROVEMENTS THEREON, LYING AND BEING IN LAND LOT 108 OF THE 10TH LAND DISTRICT, HABERSHAM COUNTY, GEORGIA, DESIGNATED AS LOT 15 OF WAYWARD WINDS SUBDIVISION, CONTAINING 1.09 ACRES, MORE OR LESS, AS MORE PARTICULARLY DESCRIBED ON PLAT OF SURVEY BY LOVELL, DUVALL, MILLER AND ASSOCIATES, INC. DATED JUNE 13, 2005, AND RECORDED IN PLAT BOOK 57, PAGE 250, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF HABERSHAM COUNTY, GEORGIA DEED RECORDS WHICH SAID PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION.

SUBJECT TO EASEMENT CHANNEL IMPROVEMENT IN FAVOR OF UPPER CHATTAHOOCHEE RIVER SOIL CONSERVATION DISTRICT AS RECORDED IN DEED BOOK A76, PAGE 465.

SUBJECT TO DECLARATION OF COVENANTS AS RECORDED IN DEED BOOK 726, PAGE 805.

SUBJECT TO ALL EASEMENTS, RESTRICTIONS, RESERVATIONS, SET-BACKS, AND RIGHT-OF-WAY OF RECORD OR THOSE DELINEATED ON THE ABOVE-REFERENCED PLAT OF SURVEY, IF ANY.

THIS IS THE SAME PROPERTY CONVEYED TO J.R. BIGGERS CONSTRUCTION, INC. BY VIRTUE OF A QUIT CLAIM DEED FROM TRICIA N. BIGGERS, DATED MARCH 1, 2010, RECORDED IN DEED BOOK 916, PAGE 65. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). JPMORGAN CHASE BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with JPMORGAN CHASE BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, JPMORGAN CHASE BANK, NATIONAL ASSOCIATION may be contacted at: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, 3415 VISION DRIVE, COLUMBUS, OH 43219, 866-550-5705. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 318 LINWOOD DRIVE, DEMOREST, GEORGIA 30535 is/are: JOEL A. FRY AND SHERRY K. FRY or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. JPMORGAN CHASE BANK, N.A. as Attorney in Fact for JOEL A. FRY AND SHERRY K. FRY. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120187409471 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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ALEXANDER

Notice of Sale Under Power. State of Georgia, County of HABERSHAM.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by RICKY E ALEXANDER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR HOMESTAR FINANCIAL CORP , dated 06/10/2010, and Recorded on 06/16/2010 as Book No. 923 and Page No. 1077, HABERSHAM County, Georgia records, as last assigned to JPMORGAN CHASE BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $146,632.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the HABERSHAM County Courthouse within the legal hours of sale on the first Tuesday in April, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND, TOGETHER WITH ALL IMPROVEMENTS THEREON, LYING AND BEING IN LAND LOT 3 OF THE 12TH LAND DISTRICT IN THE CITY OF CLARKESVILLE, HABERSHAM COUNTY, GEORGIA, CONTAINING 0.851 ACRES, MORE OR LESS, BEING SHOWN ON PLAT OF SURVEY PREPARED FOR RITA WENDLAND BY WILLIAM P. GRESHAM, G.R.L.S., DATED MAY 3, 2010, AND RECORDED IN PLAT BOOK 63, PAGE 80, OF THE HABERSHAM COUNTY, GEORGIA PLAT RECORDS, SAID PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

SUBJECT TO ALL EASEMENTS, RESTRICTIONS, RESERVATIONS, SET-BACKS, AND RIGHT-OF-WAY OF RECORD OR THOSE DELINEATED ON THE ABOVE-REFERENCED PLAT OF SURVEY, IF ANY.

THIS IS THE SAME PROPERTY CONVEYED TO RITA WENDLAND BY VIRTUE OF AN EXECUTRIX’S DEED FROM RITA WENDLAND, EXECUTRIX OF THE ESTATE OF THOMAS O. WILLIAMS, DATED FEBRUARY 5, 2008, RECORDED IN DEED BOOK 838, PAGE 33. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). JPMORGAN CHASE BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with JPMORGAN CHASE BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, JPMORGAN CHASE BANK, NATIONAL ASSOCIATION may be contacted at: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, 3415 VISION DRIVE, COLUMBUS, OH 43219, 866-550-5705. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 173 CIRCLE DR, CLARKESVILLE, GEORGIA 30523 is/are: RICKY E ALEXANDER or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. JPMORGAN CHASE BANK, N.A. as Attorney in Fact for RICKY E ALEXANDER. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120187409371 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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ADAMS

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 Jeffrey D. Adams to Mortgage Electronic Registration Systems, Inc., dated August 15, 2007, recorded in Deed Book 818, Page 882, Habersham County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 985, Page 966, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-FOUR THOUSAND FIVE HUNDRED NINETY-FOUR AND 0/100 DOLLARS ($124,594.00), 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 Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. To the best knowledge and belief of the undersigned, the party in possession of the property is Jeffrey D. Adams or a tenant or tenants and said property is more commonly known as 605 Marigold Way, Mount Airy, Georgia 30563. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP as Attorney in Fact for Jeffrey D. Adams McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ms3 4/2/13 Our file no. 51142110-FT11 EXHIBIT “A” All that tract or parcel of land lying and being in the City of Mount Airy being in Land Lot 177 of the 10th Land District of Habersham County Georgia and being designated as Lot 120 of Ivy Hills Subdivision, Phase Three, according to that plat of survey recorded in Plat Book 58, Page 242, Habersham County, Georgia records, which plat is incorporated herein and made a part hereof by reference thereto for a more complete description of the property conveyed herein. Grantee agrees to conform to all Georgia Sediment and Erosion Control Laws for each lot purchased from Grantor. Grantee acknowledges that all sediment and erosion control enforcement is from the Georgia Environmental Protection Division. MR/ms3 4/2/13 Our file no. 51142110 - FT11

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PICKETT

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 Lee Pickett and Judy Carol Pickett to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc, dated August 18, 2008, recorded in Deed Book 860, Page 266, Habersham County, Georgia Records, as last transferred to JPMorgan Chase Bank, National Association by assignment recorded in Deed Book 1013, Page 427, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-TWO THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($192,500.00), 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 Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. JPMorgan Chase Bank, National Association is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMorgan Chase Bank, National Association, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. To the best knowledge and belief of the undersigned, the party in possession of the property is Jerry Lee Pickett and Judy Carol Pickett or a tenant or tenants and said property is more commonly known as 125 Sterling Hills Dr, Clarkesville, Georgia 30523. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Chase Bank, National Association as Attorney in Fact for Jerry Lee Pickett and Judy Carol Pickett McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jl9 4/2/13 Our file no. 53020010-FT3 EXHIBIT “A” All that tract or parcel of land, lying and being in Land Lots 162, 163 and 168 of the 11th Land District of Habersham County, Georgia, designated as Lot 1 of Sterling Hills Subdivision on a plat of survey prepared by Lovell, Duvall, Miller & Associates, Inc., Georgia Registered Land Surveyors, dated February 19, 2003, recorded in Plat Book 53, Page 210, Office of the Clerk of Superior Court, Habersham County, Georgia. Reference is hereby made to said plat of survey and the record thereof for a more complete description of said property. Subject to a Declaration of Covenants, Conditions and Restrictions for Sterling Hills Subdivision, dated October 25, 2002, recorded in Deed Book 605, Page 823, Office of the Clerk of Superior Court, Habersham County, Georgia. MR/jl9 4/2/13 Our file no. 53020010 - FT3

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PHONGSAVANH

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Vickie Phongsavanh and Virasackda Phongsavanh to Mortgage Electronic Registration Systems, Inc. as nominee for Terrace Mortgage Company in the original principal amount of $136,000.00 dated 02/12/2009, and recorded in Deed Book 877, page 223, Habersham County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 1007, page 68, Habersham County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2013 by CitiMortgage, Inc., as Attorney-in-Fact for Vickie Phongsavanh and Virasackda Phongsavanh the following described property:

All that tract or parcel of land together with improvements thereon lying and being in Land Lot 113 of the 10th Land District, Habersham County, Georgia, designated as Lot 29 of the Chase Woods Subdivision, Phase III, containing 1.048 acres, more or less, as shown on a plat of survey by Hubert Lovell, RS, dated July 25, 1997 recorded in Plat Book 44, page 84, and being more particularly shown on plat of survey for Walter O. Griswell and L. Lee B. Griswell by Lovell, Duvall Miller & Associates dated April 13, 1999 recorded in Plat Book 46, Page 233, said plats recorded in the office of the Clerk of the Superior Court of Habersham County, Georgia, which said plats are incorporated herein by reference and made a part of this description.

Together with a non-exclusive easement for ingress and egress via the course of existing subdivision roads shown the plat referred to above.

Subject to Protective Covenants imposed by an instrument dated January 2, 1996 recorded in Deed Book 345, Page 118, Habersham County records.

Subject to other easements, restrictions, reservations and rights-ofway of record, if any.

Property known as: 210 Bent Twig Drive, Cornelia, GA 30531

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of Vickie Phongsavanh and Virasackda Phongsavanh subject to the following:

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

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

CitiMortgage, Inc.

1000 Technology Drive

O`Fallon, MO 63368

PH: 866-272-4749

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

To the best of the undersigned’s knowledge and belief, the party in possession is Vickie Phongsavanh and Virasackda Phongsavanh.

CitiMortgage, Inc., as Attorney-in-fact for Vickie Phongsavanh and Virasackda Phongsavanh.

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

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 13-00379-1

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SANCHEZ

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from EMILIO SANCHEZ and ANA I. GARCIA to UNITED COMMUNITY BANK, dated July 5, 2006, recorded July 11, 2006, in Deed Book 762, Page 925, Habersham County, Georgia records, as last modified by Modification of Security Deed dated May 10, 2011, recorded in Deed Book 956, Page 626, Habersham County, Georgia records, said Security Deed being given to secure a Note from EMILIO SANCHEZ and ANA I. GARCIA dated May 10, 2011, in the original principal amount of One Hundred Thousand Nine Hundred Forty Three and 25/100 ($100,943.25) 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 Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot Nos. 184 and 185 of the 10th Land District of Habersham County, Georgia, and being more particularly described according to a plat of survey by J.G. King, R.S., under date of November 1963, a copy of said plat being of record in the Office of the Clerk of the Superior Court of Habersham County, Georgia, in Plat Book 7, Page 258, as follows:

Beginning at an iron pin corner on the original line between Land Lots Nos. 184 and 185, the same being a corner common to lands of B.G. Lawson and Andrews; thence North 45 degrees, West 147 feet to a post corner; thence North 31 degrees, 30 minutes East 200 feet to a stake corner; thence South 41 degrees 02 minutes East 198.6 feet to stake corner; thence South 31 degrees 30 minutes West 200 feet to a stake corner; thence 30 degrees West 53 feet to the beginning corner and being land conveyed by Warranty Deed by Marvin Harold Crump to Louise Cochran Andrews dated November 30, 1963 and part of the land conveyed by Warranty Deed from Owen Andrews to Louise Cochran Andrews dated September 3, 1958, recorded in the Office of the Clerk of the Superior Court of Habersham County, Georgia, in Deed Book A-83, Page 24.

Also conveyed: a perpetual easement for ingress and egress over and along Orchard Road, leading from State Highway No. 15 which is also known as Highway 441, to the property above described.

Also conveyed: all furniture and household items located within the home located on the property.

This is the same property conveyed to James W. Andrews and Chrysta B. Andrews from Marvin Harold Crump and Bobbie Jean Crump via Warranty Deed with Right of Survivorship dated March 28, 2002 and recorded on May 4, 2002 in Deed Book 542, Page 620 and Quitclaim Deed dated October 7, 2005 and recorded on October 10, 2005 in Deed Book 725, Page 339-340 of the aforewritten deed records.

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is EMILIO SANCHEZ and ANA I. GARCIA or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for EMILIO SANCHEZ and ANA I. GARCIA

L. Lou Allen

Stites & Harbison, PLLC

520 West Main Street

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03462

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

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GUTHRIE

GEORGIA, Habersham COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt With Power of Sale from Gregory N. Guthrie and Angie Guthrie to Community Bank and Trust dated October 7, 2008, recorded October 16, 2008, in Deed Book 865, Pages 594-595, Habersham County, Georgia Deed records, as modified at Deed Book 930, pages 782-783, aforesaid records, held by SCBT d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010, and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., recorded at Deed Book 946, pages 256-281, aforesaid records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in April 2013 by SCBT d/b/a CBT, a Division of SCBT, as Attorney-in-Fact for Gregory N. Guthrie and Angie Guthrie the following described property:

ALL THAT TRACT or parcel of land lying and being in Land Lots 95 and 96 of the 13th Land District of Habersham County, Georgia, designated as Lot 45 of The Orchard Subdivision, containing 0.50 acres, more or less, as shown on a plat of survey prepared for The Orchard by Hubert Lovell, R.L.S., under date of September 23, 1988, last revised October 23, 1989, a copy of said plat being of record in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 27, Page 285, to which said plat and the record thereof reference is hereby made for a more complete description.

TOGETHER WITH a non-exclusive easement for ingress and egress via the course of existing subdivision roads shown on the plat referred to above.

The indebtedness secured by said Deed to Secure Debt having matured and the borrowers having failed to pay said indebtedness as agreed, among other possible events of default, this sale will be made for the purposes of paying the indebtedness and all expenses of sale, including attorney’s fees (notice having been given as provided by law).

The property will be sold subject to the following:

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

To the best of the undersigned’s knowledge and belief, the party in possession is Gregory N. Guthrie and Angie Guthrie or a tenant or tenants.

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

SCBT d/b/a CBT, a Division of SCBT as Attorney-in-fact for Gregory N. Guthrie and Angie Guthrie.

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

Smith, Gilliam, Williams & Miles, P.A.

P.O. Box 1098

Gainesville, GA 30503

(T) 770-536-3381

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SMITH

NOTICE OF SALE UNDER POWER, HABERSHAM COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Ryan Lee Smith to JPMorgan Chase Bank, N.A. dated 8/18/2006 and recorded in Deed Book 770 Page 981, HABERSHAM County, Georgia records; as last transferred to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of $ 110,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of HABERSHAM County, Georgia, within the legal hours of sale on April 02, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property:

All that Lot, Tract, or Parcel of Land, together with improvements thereon, lying andb eing in Land Lot 10 of the 12th Land District of Habersham County, Georgia, being shown and designated as Lot 26 of Nickel Creek Subdivision, containing 0.74 acres, more or less, as shown and delineated on the Plat of Survey prepared for Suzanne Wingfield by Jeff Weshner, dated February 24, 2004 and recorded in Plat Book 55, Page 119 of the Habersham County, Georgia Plat Records, and which Plat is hereby incorporated by reference for a more complete description of said property.

Subject to Restrictive Covenants filed in Deed Book 540, Page 830 and rerecorded in Deed Book 546, Page 359, Habersham County, Georgia Deed Records.

Subject to Right of Way Easement to Habersham EMC filed in Deed Book 534, Page 433, Habersham County, Georgia Deed Records.

Subject to all covenants, conditions, restrictions, reservations, easements and rights-of-way of record, if any.

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

Said property is commonly known as 121 Gentle Breeze Path, Mount Airy, GA 30563 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Ryan Lee Smith or tenant or tenants.

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

JPMorgan Chase Bank, NA

Homeowner’s Assistance Department

3415 Vision Drive

Columbus, Ohio 43219

1-866-550-5705

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

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

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

JPMorgan Chase Bank, National Association as agent and Attorney in Fact for Ryan Lee Smith

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

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1031-69775A

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COGBILL

NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF HABERSHAM.

On August 23, 2007, Virginia N. Cogbill executed a Security Deed to Stephens Federal Bank securing a note of even date for Ninety Thousand and No/100 Dollars ($90,000.00), said security deed being recorded in Deed Book 820, Pages 959-966, Habersham County Records. Said security deed conveyed the property hereinafter described.

By virtue of the power of sale contained in said security deed to Stephens Federal Bank, there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Habersham County Courthouse door in Clarkesville, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in April, the same being April 2, 2013 the following described property:

All that tract or parcel of land, together with improvements thereon, lying and being in Land Lot 53 of the 10th District, Habersham County, Georgia, and being Lot 9, Old River Bridge, as per plat recorded in Plat Book 28, Page 94, in the Office of the Clerk of Superior Court of Habersham County, Georgia, which recorded Plat is incorporated herein and made a part hereof by this reference, and being the same property conveyed to Peter C. and Mary Anne Schultz by virtue of Warranty Deed as recorded in Deed Book 253, page 378, Aforesaid records, said deed being incorporated herein and made a part hereof by reference.

Subject to Planned Unit Development covenants filed in Deed Book 448, Page 327, Habersham County, Georgia Deed Records.

This conveyance is made subject to all zoning ordinances, easements, and restrictions of record affecting said bargained premises.

The debt secured by said security deed and note has been and is hereby declared due and payable because of default for non‑payment as required by the note and security deed. The debt having been declared due and payable and remaining unpaid, and the terms in the note and security deed remaining in default, this sale will be made for the purpose of paying the principal, accrued interest and attorney’s fees pursuant to the note and security deed, plus all expenses of this sale.

Said property will be sold as the property of Virginia N. Cogbill and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale.

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Virginia N. Cogbill.

The entity with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor is Stephens Federal Bank, Phone Number (706) 886-2111.

The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to Stephens Federal Bank.

Dated this 1st day of March, 2013.

Stephens Federal Bank, Attorney-in-fact for

Brian C. Ranck Virginia N. Cogbill

Sanders, Ranck & Skilling, P.C.

P. O. Box 1005

Toccoa, GA 30577

706-886-7533

Attorney for Stephens Federal Bank

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FOSTER

NOTICE OF SALE UNDER POWER STATE OF GEORGIA COUNTY OF HABERSHAM

Under and by virtue of the power of sale contained with that certain Security Deed dated June 4, 2007, from Jill Foster to Mortgage Electronic Registration Systems, Inc. as nominee for Homestar Financial Corporation, recorded on June 5, 2007 in Deed Book 808 at Page 203, Habersham County, Georgia Records, having been last sold, assigned, transferred and conveyed to JP Morgan Chase Bank, National Association by Assignment and said Security Deed having been given to secure a note dated , in the amount of $168,367.00, said note being in default, the undersigned will sell at public outcry during the legal hours of sale before the door of the courthouse of Habersham County, Georgia, on April 2, 2013, the following described real property (hereinafter referred to as the “Property”): TRACT ONE: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 2, OF THE 12TH LAND DISTRICT, HABERSHAM COUNTY, GEORGIA, BEING LOTS 20 AND 21 OF TEH C.L. JARRARD SUBDIVISION, AS PER PLAT OF SAID SUBDIVISION, RECORDED IN PLAT BOOK 2, PAGE 27, HABERSHAM COUNTY, GEORGIA RECORDS, SAID PLAT IS INCORPORATED HEREIN AND MADE A PART OF THIS DESCRIPTION. TRACT TWO: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 2 OF THE 12TH LAND DISTRICT, OF HABERSHAM COUNTY, GEORGIA, BEING A PORTION OF LOT 22 OF THE C.L. JARRARD SUBDIVISION, AS PER PLAT FOR JOE BLACK, DATED JUNE 4, 1992, AND RECORDED IN PLAT BOOK 33, PAGE 164, HABERSHAM COUNTY, GEORGIA RECORDS. SAID PLAT IS INCORPORATED HEREIN AND MADE A PART OF THIS DESCRIPTION. The debt secured by the Security Deed and evidenced by the Note and has been, and is hereby, declared due and payable because of, among other possible events of default, failure to make the payments as required by the terms of the Note. The debt remaining is in default and this sale will be made for the purposes of paying the Security Deed, accrued interest, and all expenses of the sale, including attorneys’ fees. Notice of intention to collect attorneys’ fees has been given as provided by law. To the best of the undersigned’s knowledge, the person(s) in possession of the property is/are Jill Foster. The property, being commonly known as 302 Morningside Drive, Clarkesville, GA 30523 in Habersham County, will be sold as the property of Jill Foster, subject to any outstanding ad valorem taxes (including taxes which are a lien and not yet due and payable), any matters affecting title to the property which would be disclosed by accurate survey and inspection thereof, and all assessments, liens, encumbrances, restrictions, covenants, and matters of record to the Security Deed. Pursuant to O.C.G.A.Section 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows: JP Morgan Chase Bank, National Association, 7757 Bayberry Road, Jacksonville, FL 32256, 1-866-349-3540 . The foregoing notwithstanding, nothing in O.C.G.A. Section 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under U.S. Bankruptcy code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. Albertelli Law Attorney for JP Morgan Chase Bank, National Association as Attorney in Fact for Jill Foster 100 Galleria Parkway, Suite 960 Atlanta, GA 30339 Phone: (866) 690-0418 A-4366201 03/06/2013, 03/13/2013, 03/20/2013, 03/27

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BARRETT/CANTRELL

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from 123 RENTALS, A PARTNERSHIP COMPOSED OF DON CANTRELL, TERRY BARRETT, AND DONALD CANTRELL AND JUDY CANTRELL BARRETT, AS CO-TRUSTEES FOR THE BENEFIT OF MATTHEW DWAYNE CANTRELL to UNITED COMMUNITY BANK, dated January 5, 2007, recorded January 16, 2007, in Deed Book 788, Page 274, Habersham County, Georgia records, as last modified by Modification of Security Deed from 123 RENTALS, A PARTNERSHIP COMPOSED OF DONALD CANTRELL, TERRY BARRETT and MATTHEW DWAYNE CANTRELL dated September 8, 2010, recorded in Deed Book 934, Page 302, Habersham County, Georgia records, said Security Deed being given to secure a Note from JEFFREY STEVEN BARRETT and HUGH RANDALL BARRETT dated September 8, 2010, 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 Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 174 of the 10th Land District, City of Mt. Airy, Habersham County, Georgia and being designated as Lots 2 and 3, Block O – E, containing 0.73 acre, more or less, as shown on Plat of Survey prepared by Richard E. Nutt, RLS, dated April 1, 1996 and recorded among Habersham County, Georgia records in Plat Book 39, Page 152, reference to said plat is being made for a more full and complete description.

Larry Dwayne Cantrell died a resident of Habersham County, Georgia on the 19th day of August, 2004. His Last Will and Testament was probated in the Probate Court of Habersham County, Georgia in solemn form. Article IV of said Last Will and Testament devised the above-described property to Matthew Dwayne Cantrell and it is held in trust for him by the above-named Trustees pursuant to Article V of said Last Will and Testament. Said Article V provides power to the Trustees to enter into this transaction.

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is 123 RENTALS, A PARTNERSHIP COMPOSED OF DON CANTRELL, TERRY BARRETT, AND DONALD CANTRELL AND JUDY CANTRELL BARRETT, A CO-TRUSTEES FOR THE BENEFIT OF MATTHEW DWAYNE CANTRELL AND 123 RENTALS, A PARTNERSHIP COMPOSED OF DONALD CANTRELL, TERRY BARRETT and MATTHEW DWAYNE CANTRELL or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for 123 RENTALS, A PARTNERSHIP COMPOSED OF DON CANTRELL, TERRY BARRETT, AND DONALD CANTRELL AND JUDY CANTRELL BARRETT, AS CO-TRUSTEES FOR THE BENEFIT OF MATTHEW DWAYNE CANTRELL AND 123 RENTALS, A PARTNERSHIP COMPOSED OF DONALD CANTRELL, TERRY BARRETT and MATTHEW DWAYNE CANTRELL

L. Lou Allen

Stites & Harbison, PLLC

520 West Main Street

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03438

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JAMISON

STATE OF GEORGIA,

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

On June 19, 2002, Vickie Jamison and Judson Thompson executed a Deed to Secure Debt to Gary E. Foster and Dorothy G. Foster, which is recorded in Deed Book 551, Pages 95-99, Habersham County Records. The Security Deed secured a note of even date in the original principal amount of $69,500.00.

By virtue of the power of sale contained in said Security Deed, there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2013, the same being April 2, 2013, the property described in and conveyed in said deed, to-wit:

All that tract or parcel of land situate, lying and being in Land Lot 128 of the 12th District of Habersham County, Georgia, as set out on a plat of survey for Robert A. Eads by Roy A. Terrell, R.S., dated October 17, 1997, the description as contained therein being incorporated herein by reference, and being more particularly described as follows: To find the POINT OF BEGINNING, commence at the centerline intersection of Chopped Oak Church Road with Tryphosa Drive; thence running from said point South 50 degrees 50 minutes 28 seconds East 90.01 feet to an iron pin found, which is the POINT OF BEGINNING; thence running from the POINT OF BEGINNING North 38 degrees 02 minutes 00 seconds West 150.00 feet to an iron pin set; thence running North 41 degrees 30 minutes 21 seconds East 713.54 feet to an iron pin set; thence running South 50 degrees 38 minutes 03 seconds East 147.53 feet to an iron pin found; thence running South 41 degrees 30 minutes 00 seconds West 746.29 feet to an iron pin found, which is the POINT OF BEGINNING.

The above described property being the same as conveyed from Douglas Eugene Armstead, Jr., Executor of the Last Will and Testament of Robert Alan Eads, Deceased, to Gary E. Foster and Dorothy G. Foster d/b/a Foster Enterprises by Executor’s Deed dated May 30, 2000, recorded in Deed Book 474, Pages 213-217, Habersham County Records.

The debt secured by said Deed to Secure Debt and Note has been and is hereby declared due because of non-payment thereof. The debt remaining in default, this sale will be made for the purpose of satisfying the same and all expenses of this sale.

This property will be sold as the property of Vickie Jamison and Judson Thompson, their executors, administrators, beneficiaries, heirs, successors and/or assigns as the case may be. Upon information and belief, this property is in the control of Vickie Jamison and Judson Thompson.

This property will be sold subject to any and all ad valorem taxes, the right of redemption of any taxing authority, any matters which might be disclosed by a current and accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and any other matters of record superior to the Deed to Secure Debt 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 said Deed to Secure Debt.

The undersigned will execute a Deed Under Power of Sale to the purchaser at said sale as provided in the aforementioned Deed to Secure Debt.

Dated this 28th day of February, 2013.

GARY E. FOSTER AND DOROTHY G. FOSTER, AS ATTORNEY IN FACT FOR VICKIE JAMISON AND JUDSON THOMPSON. GARY E. FOSTER AND DOROTHY G. FOSTER AT 395 ROCK QUARRY ROAD, TOCCOA, GEORGIA, TELEPHONE NUMBER 404-824-5778 SHALL HAVE FULL AUTHORITY TO NEGOTIATE, AMEND AND MODIFY THE TERMS OF THE MORTGAGE WITH THE DEBTORS.

McClure, Ramsay, Dickerson & Escoe, LLP

P.O. Drawer l408

Toccoa, Georgia 30577 706-886-3178

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE ABOVE-REFERENCED LENDER AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.

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HOLBROOK

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Bonnie L Holbrook and John P Holbrook to Mortgage Electronic Registration Systems, Inc. as nominee for Southeast Mortgage, its successors and assigns dated October 11, 2002 in the amount of $272,000.00, and recorded in Deed Book 567, Page 706, Habersham 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 April, 2013 , during the legal hours of sale, at the Courthouse door in Habersham 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, together with all improvements thereon, lying and being in Land Lot 82 of the 10th Land District of Habersham County, Georgia, and being all of Lot 18 of Oakwood Estates, as per plat recorded in Plat Book 21, Page 272, Habersham County, Georgia Records, which plat is hereby references to and made a part of this description.

which has the property address of 210 Featherwood Drive, Cornelia, Georgia., together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

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

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

Said property will be sold as the property of Bonnie L Holbrook and John P Holbrook 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

Bonnie L Holbrook and John P HolbrookMcCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates: 03-06-2013, 03-13-2013, 03-20-2013, 03-27-2013

File No. 10-24204 /FHLMC/sstojanovic

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

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HABERSHAM COUNTY

PROBATE COURT

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MULLINS

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Richard L. Mullins, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/Deanna M. Hartness

Executor of Richard L. Mullins, deceased

Deanna M. Hartness

2220 Orchard Drive

Clarkesville, GA. 30523

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JONES

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Alice E. Jones, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/Kenneth Jones & Randall Jones

Executors of Alice E. Jones, deceased

Kenneth Jones

149 Cox Road

Gordon, GA. 31031

Randall Jones

147 Cox Road

Gordon, GA. 31031

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GARCIA

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Meredith Louise Wiggins Garcia, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/Melissa Wiggins Robinson

Executor of Meredith Louise Wiggins Garcia, deceased

Melissa Wiggins Robinson

1513 Barksdale Drive

Leesburg, VA. 20176

4C 03-13-2013

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PITTS

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Gladys Davis Pitts, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/David Robert Pitts

Executor of Gladys Davis Pitts,deceased

David Robert Pitts

2845 Hearn Road

Monroe, Ga. 30656

4C 03-13-2013

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WHITMIRE

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Lamar Crawford Whitmire, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Donna Bouwsma Executor of Lamar Crawford Whitmire, deceased

Donna Bouwsma

152 Crossbow Circle

Wintersville, GA. 30683

4C 03-13-2013

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BARRS

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Benny Thomas Barrs, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Diann Jenkins & Donna Fry Executors of Benny Thomas Barrs, deceased

Diann Jenkins

103 Oakey Mtn Rd.

Clarkesville, GA. 30523

Donna Fry

694 Low Gap Rd.

Clarkesville, GA 30523

4C 03-13-2013

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BATSON

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of John Paul Batson, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Cindy Arrowood

Executor John Paul Batson, deceased

Cindy Arrowood

102 Moose Hill

Cornelia, GA. 30531

4C 03-13-2013

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HOOD

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Mary Willow Hood, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Tommy Wiley Hood

Executor of Mary Willow Hood, deceased

Tommy Wiley Hood

1369 Flat Rock Rd.

Stockbridge, GA. 30281

4C 03-13-2013

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BOND

NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA,

COUNTY OF HABERSHAM.

IN RE: ESTATE OF ZETTIE ANN BOND, DECEASED

All creditors of the Estate of ZETTIE ANN BOND, deceased, late of Habersham County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to the undersigned.

This the 15th day of February, 2013.

FRANCIS M. BOND, Executor of the Estate of ZETTIE ANN BOND, deceased

By Jennifer L. Thacker

Attorney for Estate

c/o Adams, Ellard & Frankum, P. C.

P. O. Box 82

Clarkesville, GA 30523

(706) 754-2171

4C 03-13-2013

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TYLER

NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA,

COUNTY OF HABERSHAM.

 IN RE:  ESTATE OF EMORY J. TYLER, DECEASED

 All creditors of the Estate of EMORY J. TYLER, deceased, late of Habersham County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to the undersigned.

 This the 15th day of February, 2013.                 

CHARLENE MULLINAX, Administratrix of the Estate of EMORY J. TYLER, deceased

By Jennifer L. Thacker

Attorney for Estate

c/o Adams, Ellard & Frankum, P. C.

P. O. Box 82

Clarkesville, GA 30523

(706) 754-2171

4C 03-13-2013

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WHITT

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Charles E. Whitt, Sr., deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

This 15th day of February, 2013

Charles E. Whitt, Jr. Executor

Of the Estate of Charles E. Whitt, Sr.

327 Gloucester Road

Martinez, Georgia 30907

4C 03-20-2013

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ALLEN

STATE OF GEORGIA COUNTY OF HABERSHAM

IN RE: ESTATE PAUL J. ALLEN

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Paul J. Allen deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ James C. Weidner

Oliver & Weidner, LLC

On Behalf of Paul J. Allen

Georgia Bar No 754888

854 Washington Street, Suite 300

Clarkesville, GA. 30523

4C 03-20-2013

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PERKINS

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Timothy Nelson Perkins, deceased, late of Habersham County, Georgia,

are hereby notified to render their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Emily Ann Perkins

Executor of Timothy Nelson Perkins, deceased

Emily Ann Perkins

311 Thornwood Circle

Mount Airy, GA. 30563

4C 03-20-2013

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CARSON

NOTICE TO DEBTORS AND CREDITORS

IN RE: LUCILLE R. CARSON

All Debtors and Creditors of the estate of Lucille R. Carson, late of Habersham County, Georgia,

are hereby notified to render their demands and payments to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to the subject estate.

This 18th day of February, 2013

ESTATE OF LUCILLE R. CARSON

BY: P. Gerald Cody, Jr.

Attorney for the Estate of Lucille R. Carson

P.O. Box 396

Cornelia, Georgia 30531

706-778-7178

4C 03-20-2013

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GAILEY

GEORGIA, HABERSHAM COUNTY

IN RE: LILLIE PEARL GAILEY, DECEASED

All creditors of the estate of Lillie Pearl Gailey, deceased, late of Habersham County, Georgia, are hereby notified to render their demands to Shannon Fletcher, Personal Representative, according to law, and all persons indebted to said estate are required to make immediate payment to said Personal Representative.This 7th day of March, 2013.

Shannon Fletcher,

Personal Representative of the Estate

of Lillie Pearl Gailey, Deceased

1485 Racetrack Road Toccoa, Georgia 30577

Prepared by:

McClure, Ramsay, Dickerson & Escoe, LLP

P.O. Drawer 1408

Toccoa, Georgia 30577

(706) 886-3178

4C 04-03-13

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CHURCH

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Corbett Jarrett Church, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned This the 15th day of February, 2013.

Witness my/our hand(s) and seal(s), on the day above written. (Darlene K. Carver acting as Executrix of the Corbett Jarrett Church estate.) Address: P.O. Box 126 Clayton, GA. 30525, Telephone: 706-490-5417.

4C 04-03-13

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HEATON

IN THE PROBATE COURT

COUNTY OF HABERSHAM

STATE OF GEORGIA

IN RE: ESTATE OF

Hugh Dorsey Heaton

DECEASED

ESTATE NO: 5401-100

PETITION FOR LETTERS OF ADMINISTRATION

NOTICE

TO: Whom it may Concern

Betty Todd Heaton has petitioned for herself to be appointed Administrator of the estate of Hugh Dorsey Heaton, deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the other court on or before April 5, 2013. All pleadings/objections must be signed under oath before a notary public on or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

Pamela F. Wooley

PROBATE JUDGE

By: Pamela F. Wooley

PROBATE CLERK/DEPUTY CLERK

PO Box 876

Clarkesville, GA 30523

706-754-2013

4C 04-03-13

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ALLEN

IN THE PROBATE COURT

COUNTY OF HABERSHAM

STATE OF GEORGIA

IN RE: ESTATE OF

Oscar John (O.J) Allen Jr.

DECEASED

ESTATE NO: 5410-101

PETITION FOR LETTERS OF ADMINISTRATION

NOTICE

TO: Whom it may Concern

Karen Ann Allen has petitioned for herself to be appointed Administrator of the estate of Oscar John (O.J.) Allen Jr., deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the other court on or before April 5, 2013. All pleadings/objections must be signed under oath before a notary public on or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

Pamela F. Wooley

PROBATE JUDGE

By: Pamela F. Wooley

PROBATE CLERK/DEPUTY CLERK

PO Box 876

Clarkesville, GA 30523

706-754-2013

4C 04-03-13

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BRYSON

NOTICE

I GARY D. BRYSON WILL NOT BE RESPONSIBLE FOR ANY DEBT OTHER THAN MY OWN.

GARY D. BRYSON

500 SCREECH OWL LANE

CLARKESVILLE, GA. 30523

4C 03-27-13

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ROACH

CITATION

GEORGIA, HABERSHAM COUNTY

ESTATE NO. 5402-100

IN RE: PETITION OF Sharon Jean Chastain Roach

FOR TEMPORARY LETTERS OF GAURDIANSHIP

ESTATE OF JEANA MARIE ROACH, MINOR

DATE OF MAILING IF ANY, N/A

DATE OF SECOND PUBLICATION, IF ANY March 13th, 2013

TO: Whom It May Concern:

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than 14 day after this notice is mailed, or 10 days after this notice is personally served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court personnel at the below address/telephone number for the required amount of filing fees.

**NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as gaurdian(s), or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Pamela F. Wooley

PROBATE JUDGE

By: Pamela F. Wooley

PROBATE CLERK/DEPUTY CLERK

PO Box 876

Clarkesville, GA 30523

706-754-2013

2C 03-13-13

HABERSHAM COUNTY

SUPERIOR COURT

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BARBER

IN THE SUPERIOR COURT OF DAWSON COUNTY STATE OF GEORGIA

PAM M. ELZEY BARBER

PLAINTIFF

ANTHONY W. BARBER

DEFENDANT

Civil Action No. 12-CV-194-J

NOTICE OF PUBLICATION

TO: ANTHONY W. BARBER By Order for service by publication you are hereby notified that on the 11TH day of February, 2013, PAM M. ELZEY BARBER filed suit against you for divorce you are required to file with the Clerk of the Superior Court and to serve upon plaintiff an Answer in writing within THIRTY (30) days of the order for publication.WITNESS, the Honorable Bonnie Oliver, Judge of this Superior Court.

This11th day of February, 2013

Justin Power

Clerk of Courts

Dawson County, Georgia 30534

4C 03-13-2013

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BEATY

IN THE SUPERIOR COURT OF HABERSHAM COUNTY STATE OF GEORGIA FAMILY DIVISION

In Re The Name Change of :

Petitioner: Vanessa Charmian BeatyCivil Action File No: 13SUCV90CD

NOTICE OF PETITION TO CHANGE NAME

Notice is hereby given that Vanessa Charmian Beaty, the undersigned, filed his/her petition to the Superior Court of Habersham County, Georgia, on the 25 day of February, 2013, praying for change in the name of petitioner from Vanessa Charmian Beaty to Vanessa Shirley Fiala.Notice is hereby given pursuant to law to any interested or affected party to appear in said Court and file objection to such name change. Objections must be filed with said Court within 30 days of the filing of said petition.

This 25 day of February, 2013.

Vanessa C. Beaty

214 Cross Road

Mount Airy, GA. 30563

4C 3-27-13

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BURTON

IN THE SUPERIOR COURT OF HABERSHAM COUNTY STATE OF GEORGIA FAMILY DIVISION

In Re The Name Change of :

Petitioner: Deborah Groves Burton

Civil Action File No: 13-SU-CV-11-cc

NOTICE OF PETITION TO CHANGE NAME

Notice is hereby given that Deborah Groves Burton , the undersigned, filed his/her petition to the Superior Court of Habersham County, Georgia, on the 8 day of March, 2013, praying for change in the name of petitioner from Deborah Groves Burton to Deborah Pearl Groves. Notice is hereby given pursuant to law to any interested or affected party to appear in said Court and file objection to such name change. Objections must be filed with said Court within 30 days of the filing of said petition.

This 8 day of March, 2013.

Deborah Groves Burton

895 Cool Springs Road

Clarkesville, GA 30523

4C 04-03-13

LOCAL GOVERNMENT

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PUBLIC NOTICE

Pursuant to O.C.G.A. 17-5-54, notice is hereby given that, unless a proper claim is received by the Cornelia Police Department within 15 days, the Chief of Police will make application to the Superior Court of Habersham County for an order permitting the Department to retain, sell or discard the following personal property currently in the Department’s custody more than 90 days after its seizure, and/or more that 90 days after final verdict and judgment.

AK-47 Serial #1968BH4082, Daisey .22 Caliber Serial #A00005171, Brown Wallet, Multiple purses, Nintendo Game Cube, Skil jigsaw.Husqvarna Weed Eater, Dewalt drill, U.S. Currency, Pocket Knife, Money box, Safe, car stereo and speakers, car parts, window tint, spray paint, costume jewelry, camping gear, deer stand, Safari hat, multiple VHS tapes, multiple metal tools, miscellaneous clothes, blankets, and footwear, miscellaneous keys, miscellaneous cleaners, miscellaneous papers.

2C 03-13-13

ADVERTISMENT FOR BID

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BID

HABERSHAM COUNTY SCHOOLS

INVITATION TO BID

The Habersham Board of Education is accepting bids on security camera and dvr recording for 8 buildings in the Habersham County School District. This is a 29 day bid process using SPLOST funds. All contact information will go through the Habersham County Schools Technology Department. A single point of contact between HCBOE and the winning bidder will be required to ensure all equipment is ordered and received in a timely manner. The bid will include installation and all wiring to accomplish said task.

Bid release date is February 15, 2013 at 1:00 pm. Bid opening will follow the 28 day period required by law and will take place at the Habersham County Schools Technology Center on the campus of the Habersham Ninth Grade Academy. The bid opening date will be March 15, 2013 at 1:00 pm. Address is listed below. You may email your bid in pdf format and it will not be opened until bid date. Our email system will time stamp arrival and opening date and time. Once the email is opened, a time stamp sheet will be printed and attached to the bid package. If emailing document, please make the subject line read “HCBOE ELEMENTARY SECURITY CAMERA BID PACKAGE”. This will ensure that the bid package is not opened early by accident.

Contact Information:

Dennis Unbehant

Technology Director

165 Raider Circle

Mt. Airy, Georgia 30563

706-778-2020

dunbehant@habershamschools.com

Complete installation building diagrams are available at the HCBOE Technology Department at the address listed above, or at the HCBOE Administrative Office, 132 Stanford Mill Road, Clarkesville, Georgia, 30523. To obtain the complete package, a picture identification and signed release form will be required. If a visual inspection of a school location is desired, a Technology Department personnel will be required to accompany the inspection. III. DVR Specification ***Add to III. DVR Specification****The DVR’s for each school location should meet or exceed the following requirements:H.264 DVR MULTIPLEX – Live, Playback, Recording, Backup, Network 120fps at D1, 480fps at CIF Optional Looping Output Web-Based Client with Multi-User Access Automatic Private IP Addressing Simple & Free DDNS Support NTP (Network Time Protocol) Network Bandwidth Control Text or E-mail Event Notifications with Snapshots DVR Health Check with E-mail Notifications DVR Calculation and Auto Recording Configuration Help Menu on Major Function Configuration Import/Export Auto or Manual Firmware Upgrade Available Screen Saver to Protect Monitor Screen Central Management Software, Up to 128CH Mobile Device Single & Multi-View and PTZ Control Support 3G Phone; Free App for Blackberry, iPhone, Android, Tablets MAC Compatible Remote Software USB 2.0 Built-in for Mouse Operation, Backup, and Firmware Upgrade5 Year Limited Warranty ***Add 1 TB Hard Drive size for all 16 Channel DW-VF16 Stand Alone DVRs ***

2C 03-13-13

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ADVERTISMENT FOR BID

HABERSHAM COUNTY ROAD DEPARTMENT

Sealed bids for furnishing TWO (2) TAILGATE SPREADERS, complete and ready to be mounted on County owned, 6 Wheel Dump Trucks, equipped with 6-8 cubic yard Ox bodies, will be received by the Habersham County Boards of Commissioners, 555 Monroe Street, Unit 20, Clarkesville, GA 30523 at 2:00 pm. Local Time, Tuesday March 26, 2013, at which time all Bid Proposals received by the prescribed time and date will be publicly opened and read aloud. Any bid proposals received after the time specified will not be accepted.Specifications for this equipment will be available for inspection by all interested parties at the Habersham County Commission office located on the 1st floor of the County Courthouse, 555 Monroe Street, Clarkesville, GA. 30523, and the Habersham County Road Department located at 4218 Toccoa Highway, Clarkesville,. During regular office hours Monday through Friday.

All work shall be performed in accordance with specification included in the request for proposal.

No bidder may withdraw his/her bid within 30 days after the actual date of the opening thereof.

Payment will be made to the Vendor when equipment is delivered and accepted by an authorized county official.

The County reserves the right to accept or reject any and all bids, delete individual items, re-advertise and to wave minor informalities.

2C 03-20-13

CORPORATIONS AND BUSINESS ORGANIZATIONS

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APPLICATION TO REGISTER A BUSINESS TO BE CONDUCTED UNDER TRADE NAME, PARTNERSHIP OR OTHERS

STATE OF GEORGIA

COUNTY OF Habersham

The undersigned does hereby certify that Ellis Reeder and Melissa Reeder conducting a business as Reeder Ranch in the City of Clarkesville County of Habersham in the State of Georgia, under the name of Reeder Ranch and that the nature of the business is Agricultural (Alpacas) and that the names and addresses of the persons, firms or partnership owning and carrying on said trade or business are

Ellis Reeder and Melissa Reeder

357 Birchwood Dr.

Clarkesville, GA. 30523

Ellis Reeder

Signature-Owner

Subscribed and sworn to before me

this 27th day of February, 2013

David C. Wall

Notary Public

Filed in office, this 27th day of February, 2013

David C. Wall

Clerk Superior Court, Habersham County, GA.

2C 03-13-13

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APPLICATION TO REGISTER A BUSINESS TO BE CONDUCTED UNDER TRADE NAME, PARTNERSHIP OR OTHERS

STATE OF GEORGIA COUNTY OF Habersham

The undersigned does hereby certify that D&C Nieh LLC conducting a business as Northeast Veterinary Hospital (NEVH) in the City of Cornelia County of Habersham in the State of Georgia, under the name of Northeast Veterinary Hospital and that the nature of the business is small animal veterinary practice and that the names and addresses of the persons, firms or partnership owning and carrying on said trade or business are

Douglas Nieh DVM

120 Pet Care Court

Cornelia, GA 30531

Cecily Nieh DVM

120 Pet Care Court

Cornelia, GA 30531

Douglas Nieh - Manager

Signature-Title

Subscribed and sworn to before me

this 24 day of January, 2013

Paul Connor

Notary Public Jackson County

State of Georgia

Filed in office, this 13th day of February, 2013

David C. Wall Clerk Superior Court, Habersham County, Ga.

2C 03-20-13

EverBank successor by merger to EverHome Mortgage Company F/K/A Alliance Mortgage Company as Attorney-in-Fact for Karen Batson Simpson

File no. 10-003259

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/SJ

www.swertfeger.net

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

[FC-NOS]

Bank of America, N.A., Successor by merger to BAC Home loans Servicing, LP fka Countrywide Home Loans Servicing, LP, as Attorney-in-fact for Gretta Sanders.

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

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 12-51552-3

Habersham County

Probate Court

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FORTENBERRY

CITATION

GEORGIA, Habersham COUNTY

ESTATE NO. 5326-91

IN RE: PETITION OF Lori Ann Fortenberry

FOR TEMPORARY LETTERS OF GAURDIANSHIP

ESTATE OF Brayden Nathaniel Hoosline, MINOR

DATE OF MAILING IF ANY, N/A

DATE OF SECOND PUBLICATION, IF ANY Dec 5th, 2012

TO: Nathaniel Kevin Hoosline

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than 14 day after this notice is mailed, or 10 days after this notice is personally served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court personnel at the below address/telephone number for the required amount of filing fees.

**NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as gaurdian(s), or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Pamela F. Wooley

PROBATE JUDGE

By: Pamela F. Wooley

PROBATE CLERK/DEPUTY CLERK

PO Box 876

Clarkesville, GA 30523

706-754-2013

C2-12-05-2012

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FITZGERALD

NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA,

COUNTY OF HABERSHAM.

IN RE: ESTATE OF ELIZABETH T. FITZGERALD, DECEASED

All creditors of the Estate of ELIZABETH T. FITZGERALD, deceased, late of Habersham County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to the undersigned.

This the 15TH day of November, 2012.

DONNA M. HANSEN, Executor of the Estate of ELIZABETH T. FITZGERALD

By Jennifer L. Thacker

Attorney for Estate

Adams, Ellard & Frankum, P. C.

P. O. Box 82

Clarkesville, GA 30523

(706) 754-2171

4C-12-12-2012

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SWAIM

NOTICE TO DEBTORS AND CREDITORS

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

This 15th day of November, 2012.

S/ LINDA TROTTER and

MARY N. HARLAN,

Executrixes of the Estate of RUTH SWAIM

P. O. Box 100

Lula, Georgia 30554

M. KEITH YORK

KIMZEY, KIMZEY & YORK

P. O. BOX 38

CORNELIA, GA 30531

(706) 778-6823

4C-12-12-2012

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MOORE

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of James Marvin Moore, deceased, late of Habersham County, Georgia, deceased,

are hereby notified to render in their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Grace Moore

Executor() of James Marvin Moore

Grace Moore

1768 Hazel Creek Rd.

Mt. Airy, GA 30563

4C-12-12-2012

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BLACK

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Charles Don Black, deceased, late of Habersham County, Georgia, deceased,

are hereby notified to render in their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Kay A. Black

Executor() of Charles Don Black

Kay A. Black

1395 Echota Rd.

Clarkesville, GA 30523

4C-12-05-2012

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OWEN

GEORGIA, HABERSHAM COUNTY

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of ROBERT OWEN, deceased, late of Habersham County, Georgia, deceased,

are hereby notified to render in their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

This 1st day of November, 2012.

JERRY OWEN, EXECUTOR OF THE ESTATE OF

ROBERT OWEN

c/o The McCormick Law Firm, P.C.

1730 Thompson Bridge Rd

Gainesville, GA 30501

4C-12-05-2012

Habersham County

Superior Court

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SEYMOUR/STONE

IN THE SUPERIOR COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

IN RE PETITION OF

JAMES DOYLE SEYMOUR

CIVIL ACTION FILE NO: 12-SU-CV 818 RS

PETITION FOR NAME CHANGE

COMES NOW, James Doyle Seymour, petitioner, and shows the Court the following facts.

The petitioner is a resident of Habersham County, Georgia.

Petitioner seeks an order of the Court changing his name from James Doyle Seymour to James Doyle Stone.

Petitioner shows that he was born in Hamilton County, Tennessee on January 6, 1990, and was named James Doyle Stone. A Decree of Adoption was filed in the Superior Court of Habersham County on December 14, 1998 changing his name to James Doyle Seymour. Petitioner shows that he is not changing his name for the purpose of defrauding any person and that no other person will be unconvinced by changing his name to James Doyle Stone.

WHEREFORE, Petitioner respectfully prays:

1.That said petition be placed on the proper docket of the Superior Court;

2.That the petitioner’s name be changed by the Court from James Doyle Seymour to James Doyle Stone.

3.That a notice be published in the Official County Newspaper according to law; and

4.That the Court grant such other further relief as the Court deems proper.

This 1st day of November, 2012

s/ D. Erik Kennedy

Attorney for Petitioner

Ga. Bar No. 076129

4C-12-12-2012

FORFEITURE/SEIZURE

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WILLIAMS

NOTICE OF SEIZURE OF PERSONAL PROPERTY VALUED $25,000.00 OR LESS

PURSUANT TO O.C.G.A. §16-13-49(N)

TO: ANTHONY LEION WILLIAMS AND DAVE LEE WILLIAMS, AND ALL OWNERS ANDINTEREST HOLDERS OF THE SEIZED PROPERTY

TAKE NOTICE that on or about September 15th, 2012 Law Enforcement Officer of the Clarkesville, Georgia Police Department seized a 1996 Ford Truck, VIN 1FTJW35F6TEA15188 and Glock Model 23 pistol, serial number NMR592 from Anthony Leon Williams and Dave Lee Williams during a traffic stop of the Ford truck driven by Anthony Leon Williams on Toccoa Street near Arrendale Street, Clarkesville, Habersham County, Georgia. Dave Lee Williams was a passenger in the vehicle.

A search of the vehicle, pursuant to consent, yielded the above described Glock pistol and methamphetamine.

The seized property was directly or indirectly used or intended for use to facilitate the purchasing, possessing, having under one’s control, manufacturing, delivering, distributing, dispensing, administering, selling and possessing with the intent to distribute methamphetamine, a violation of O.C.G.A. §16-13-30(a)(b) and/or is proceeds derived or realized therefrom and/or was found in close proximity to methamphetamine and/or other property which is subject to forfeiture pursuant to O.C.G.A. §16-13-49(d).

AND FURTHER TAKE NOTICE that any and/or all owners and interest holders may file a claim against the seized property within thirty (30) days after the second publication of the Notice in a newspaper of general circulation in Habersham County, Georgia by sending the claim referencing: “Notice of Seizure, Anthony Leon Williams and Dave Lee Williams”, to the below listed law enforcement agency and to the District Attorney for the Mountain Judicial Circuit, by certified mail or statutory overnight delivery, return receipt requested.

RESPECTFULLY SUBMITTED

BRIAN RICKMAN

DISTRICT ATTORNEY

MOUNTAIN JUDICIAL CIRCUIT

This 14th day of November, 2012.

s/George R. Christian

ADA, Mountain Judicial Circuit

Ga. State Bar #125327

gchristian@pacga.org

Office of the District Attorney

Attn: George R. Christian, ADA

Habersham County

PO Box 2138

Clarkesville, Georgia 30523

Clarkesville Police Department

Attn: Captain/Assistant Chief Danny Clouatre

PO Box 21

Clarkesville, Georgia 30523

C3-12-05-2012

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NATION

NOTICE OF SEIZURE OF PERSONAL PROPERTY VALUED $25,000.00 OR LESS

PURSUANT TO O.C.G.A. §16-13-49(N)

TO: JANNA NATION, AND ALL OWNERS AND INTEREST HOLDERS OF THE SEIZED PROPERTY

TAKE NOTICE that on or about October 3, 2012 Law Enforcement Deputies of the Habersham County, Georgia Sheriff’s Office seized a 1977 Chevrolet Nova automobile, VIN 1X27D7K109167 from Janna Nation and George Nation during a traffic stop of an automobile driven by Janna Nation on Hwy. 365 near Anderson Village, Baldwin, Habersham County, Georgia. George William Nation was a passenger in the vehicle.

A Deputy Sheriff saw Janna Nation hide an unknown item in her clothing during the traffic stop. A K9 dog indicated positive hits on the 1977 Nova for drugs, but no drugs were found. Janna Nation was transported to the Habersham County Detention Center and a quantity of methamphetamine was found in the back seat of the transporting patrol car where Janna Nation rode.

The seized property was directly or indirectly used or intended for use to facilitate the purchasing, possessing, having under one’s control, manufacturing, delivering, distributing, dispensing, administering, selling and possessing with the intent to distribute methamphetamine, a violation of O.C.G.A. §16-13-30(a)(b) and/or is proceeds derived or realized therefrom and/or was found in close proximity to methamphetamine and/or other property which is subject to forfeiture pursuant to O.C.G.A. §16-13-49(d).

AND FURTHER TAKE NOTICE that any and/or all owners and interest holders may file a claim against the seized property within thirty (30) days after the second publication of the Notice in a newspaper of general circulation in Habersham County, Georgia by sending the claim referencing: “Notice of Seizure, Anthony Leon Williams and Dave Lee Williams”, to the below listed law enforcement agency and to the District Attorney for the Mountain Judicial Circuit, by certified mail or statutory overnight delivery, return receipt requested.

RESPECTFULLY SUBMITTED

BRIAN RICKMAN

DISTRICT ATTORNEY

MOUNTAIN JUDICIAL CIRCUIT

This 14th day of November, 2012.

s/George R. Christian

ADA, Mountain Judicial Circuit

Ga. State Bar #125327

gchristian@pacga.org

Office of the District Attorney

Habersham County

PO Box 2138

Clarkesville, Georgia 3052

Habersham County Sheriff’s Dpt.

Attn: Sgt. M.D. Wurtz

1000 Detention Drive

Clarkesville, Georgia 30523

3C-12-05-2012

TAX SALE

Habersham County Businesses, Incorporations & Other Notices

Invitation to Bid

Miscellaneous

EverBank successor by merger to EverHome Mortgage Company F/K/A Alliance Mortgage Company as Attorney-in-Fact for Karen Batson Simpson

File no. 10-003259

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Suite 100

Atlanta, GA 30341-3941

(770) 220-2535/SJ

www.swertfeger.net

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

[FC-NOS]

Bank of America, N.A., Successor by merger to BAC Home loans Servicing, LP fka Countrywide Home Loans Servicing, LP, as Attorney-in-fact for Gretta Sanders.

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

Pendergast & Associates, P.C.

115 Perimeter Center Place

South Terraces, Suite 1000

Atlanta, GA 30346

Phone - 770-392-0398

Toll Free - 866-999-7088

www.penderlaw.com

Our File No. 12-51552-3

Habersham County

Probate Court

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FORTENBERRY

CITATION

GEORGIA, Habersham COUNTY

ESTATE NO. 5326-91

IN RE: PETITION OF Lori Ann Fortenberry

FOR TEMPORARY LETTERS OF GAURDIANSHIP

ESTATE OF Brayden Nathaniel Hoosline, MINOR

DATE OF MAILING IF ANY, N/A

DATE OF SECOND PUBLICATION, IF ANY Dec 5th, 2012

TO: Nathaniel Kevin Hoosline

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than 14 day after this notice is mailed, or 10 days after this notice is personally served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court personnel at the below address/telephone number for the required amount of filing fees.

**NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as gaurdian(s), or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Pamela F. Wooley

PROBATE JUDGE

By: Pamela F. Wooley

PROBATE CLERK/DEPUTY CLERK

PO Box 876

Clarkesville, GA 30523

706-754-2013

C2-12-05-2012

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FITZGERALD

NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA,

COUNTY OF HABERSHAM.

IN RE: ESTATE OF ELIZABETH T. FITZGERALD, DECEASED

All creditors of the Estate of ELIZABETH T. FITZGERALD, deceased, late of Habersham County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to the undersigned.

This the 15TH day of November, 2012.

DONNA M. HANSEN, Executor of the Estate of ELIZABETH T. FITZGERALD

By Jennifer L. Thacker

Attorney for Estate

Adams, Ellard & Frankum, P. C.

P. O. Box 82

Clarkesville, GA 30523

(706) 754-2171

4C-12-12-2012

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SWAIM

NOTICE TO DEBTORS AND CREDITORS

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

This 15th day of November, 2012.

S/ LINDA TROTTER and

MARY N. HARLAN,

Executrixes of the Estate of RUTH SWAIM

P. O. Box 100

Lula, Georgia 30554

M. KEITH YORK

KIMZEY, KIMZEY & YORK

P. O. BOX 38

CORNELIA, GA 30531

(706) 778-6823

4C-12-12-2012

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MOORE

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of James Marvin Moore, deceased, late of Habersham County, Georgia, deceased,

are hereby notified to render in their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Grace Moore

Executor() of James Marvin Moore

Grace Moore

1768 Hazel Creek Rd.

Mt. Airy, GA 30563

4C-12-12-2012

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BLACK

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of Charles Don Black, deceased, late of Habersham County, Georgia, deceased,

are hereby notified to render in their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

s/ Kay A. Black

Executor() of Charles Don Black

Kay A. Black

1395 Echota Rd.

Clarkesville, GA 30523

4C-12-05-2012

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OWEN

GEORGIA, HABERSHAM COUNTY

NOTICE TO DEBTORS AND CREDITORS

All creditors of the estate of ROBERT OWEN, deceased, late of Habersham County, Georgia, deceased,

are hereby notified to render in their demands to the undersigned, according to law,

and all persons indebted to said Estate are required to make immediate payment to me.

This 1st day of November, 2012.

JERRY OWEN, EXECUTOR OF THE ESTATE OF

ROBERT OWEN

c/o The McCormick Law Firm, P.C.

1730 Thompson Bridge Rd

Gainesville, GA 30501

4C-12-05-2012

Habersham County

Superior Court

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SEYMOUR/STONE

IN THE SUPERIOR COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

IN RE PETITION OF

JAMES DOYLE SEYMOUR

CIVIL ACTION FILE NO: 12-SU-CV 818 RS

PETITION FOR NAME CHANGE

COMES NOW, James Doyle Seymour, petitioner, and shows the Court the following facts.

The petitioner is a resident of Habersham County, Georgia.

Petitioner seeks an order of the Court changing his name from James Doyle Seymour to James Doyle Stone.

Petitioner shows that he was born in Hamilton County, Tennessee on January 6, 1990, and was named James Doyle Stone. A Decree of Adoption was filed in the Superior Court of Habersham County on December 14, 1998 changing his name to James Doyle Seymour. Petitioner shows that he is not changing his name for the purpose of defrauding any person and that no other person will be unconvinced by changing his name to James Doyle Stone.

WHEREFORE, Petitioner respectfully prays:

1.That said petition be placed on the proper docket of the Superior Court;

2.That the petitioner’s name be changed by the Court from James Doyle Seymour to James Doyle Stone.

3.That a notice be published in the Official County Newspaper according to law; and

4.That the Court grant such other further relief as the Court deems proper.

This 1st day of November, 2012

s/ D. Erik Kennedy

Attorney for Petitioner

Ga. Bar No. 076129

4C-12-12-2012

FORFEITURE/SEIZURE

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WILLIAMS

NOTICE OF SEIZURE OF PERSONAL PROPERTY VALUED $25,000.00 OR LESS

PURSUANT TO O.C.G.A. §16-13-49(N)

TO: ANTHONY LEION WILLIAMS AND DAVE LEE WILLIAMS, AND ALL OWNERS ANDINTEREST HOLDERS OF THE SEIZED PROPERTY

TAKE NOTICE that on or about September 15th, 2012 Law Enforcement Officer of the Clarkesville, Georgia Police Department seized a 1996 Ford Truck, VIN 1FTJW35F6TEA15188 and Glock Model 23 pistol, serial number NMR592 from Anthony Leon Williams and Dave Lee Williams during a traffic stop of the Ford truck driven by Anthony Leon Williams on Toccoa Street near Arrendale Street, Clarkesville, Habersham County, Georgia. Dave Lee Williams was a passenger in the vehicle.

A search of the vehicle, pursuant to consent, yielded the above described Glock pistol and methamphetamine.

The seized property was directly or indirectly used or intended for use to facilitate the purchasing, possessing, having under one’s control, manufacturing, delivering, distributing, dispensing, administering, selling and possessing with the intent to distribute methamphetamine, a violation of O.C.G.A. §16-13-30(a)(b) and/or is proceeds derived or realized therefrom and/or was found in close proximity to methamphetamine and/or other property which is subject to forfeiture pursuant to O.C.G.A. §16-13-49(d).

AND FURTHER TAKE NOTICE that any and/or all owners and interest holders may file a claim against the seized property within thirty (30) days after the second publication of the Notice in a newspaper of general circulation in Habersham County, Georgia by sending the claim referencing: “Notice of Seizure, Anthony Leon Williams and Dave Lee Williams”, to the below listed law enforcement agency and to the District Attorney for the Mountain Judicial Circuit, by certified mail or statutory overnight delivery, return receipt requested.

RESPECTFULLY SUBMITTED

BRIAN RICKMAN

DISTRICT ATTORNEY

MOUNTAIN JUDICIAL CIRCUIT

This 14th day of November, 2012.

s/George R. Christian

ADA, Mountain Judicial Circuit

Ga. State Bar #125327

gchristian@pacga.org

Office of the District Attorney

Attn: George R. Christian, ADA

Habersham County

PO Box 2138

Clarkesville, Georgia 30523

Clarkesville Police Department

Attn: Captain/Assistant Chief Danny Clouatre

PO Box 21

Clarkesville, Georgia 30523

C3-12-05-2012

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NATION

NOTICE OF SEIZURE OF PERSONAL PROPERTY VALUED $25,000.00 OR LESS

PURSUANT TO O.C.G.A. §16-13-49(N)

TO: JANNA NATION, AND ALL OWNERS AND INTEREST HOLDERS OF THE SEIZED PROPERTY

TAKE NOTICE that on or about October 3, 2012 Law Enforcement Deputies of the Habersham County, Georgia Sheriff’s Office seized a 1977 Chevrolet Nova automobile, VIN 1X27D7K109167 from Janna Nation and George Nation during a traffic stop of an automobile driven by Janna Nation on Hwy. 365 near Anderson Village, Baldwin, Habersham County, Georgia. George William Nation was a passenger in the vehicle.

A Deputy Sheriff saw Janna Nation hide an unknown item in her clothing during the traffic stop. A K9 dog indicated positive hits on the 1977 Nova for drugs, but no drugs were found. Janna Nation was transported to the Habersham County Detention Center and a quantity of methamphetamine was found in the back seat of the transporting patrol car where Janna Nation rode.

The seized property was directly or indirectly used or intended for use to facilitate the purchasing, possessing, having under one’s control, manufacturing, delivering, distributing, dispensing, administering, selling and possessing with the intent to distribute methamphetamine, a violation of O.C.G.A. §16-13-30(a)(b) and/or is proceeds derived or realized therefrom and/or was found in close proximity to methamphetamine and/or other property which is subject to forfeiture pursuant to O.C.G.A. §16-13-49(d).

AND FURTHER TAKE NOTICE that any and/or all owners and interest holders may file a claim against the seized property within thirty (30) days after the second publication of the Notice in a newspaper of general circulation in Habersham County, Georgia by sending the claim referencing: “Notice of Seizure, Anthony Leon Williams and Dave Lee Williams”, to the below listed law enforcement agency and to the District Attorney for the Mountain Judicial Circuit, by certified mail or statutory overnight delivery, return receipt requested.

RESPECTFULLY SUBMITTED

BRIAN RICKMAN

DISTRICT ATTORNEY

MOUNTAIN JUDICIAL CIRCUIT

This 14th day of November, 2012.

s/George R. Christian

ADA, Mountain Judicial Circuit

Ga. State Bar #125327

gchristian@pacga.org

Office of the District Attorney

Habersham County

PO Box 2138

Clarkesville, Georgia 3052

Habersham County Sheriff’s Dpt.

Attn: Sgt. M.D. Wurtz

1000 Detention Drive

Clarkesville, Georgia 30523

3C-12-05-2012

TAX SALE

Habersham County Businesses, Incorporations & Other Notices

Invitation to Bid

Miscellaneous