PHONGSAVANH
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 May 22, 2024, from MARKSHALL PHONGSAVANH AND CHRISTINE PHONGSAVANH TO MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR RUOFF MORTGAGE COMPANY, INC., its successors and assigns, recorded on June 27, 2024, in Deed Book 1369 at Page 602, Habersham County, Georgia, records, having been last sold, assigned, transferred and conveyed to Lakeview Loan Servicing, LLC, by Assignment and said Security Deed having been given to secure a note dated May 22, 2024, in the amount of $359,177.00, and 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 July 7, 2026, the following described real property (hereinafter referred to as the “Property”):
ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 48 OF THE 11TH LAND DISTRICT OF HABERSHAM COUNTY, GEORGIA, BEING DESIGNATED AS TRACT ONE, CONTAINING 1.915 ACRES, MORE OR LESS, AS SHOWN ON PLAT OF SURVEY PREPARED BY WILLIAM P GRESHAM, RLS, FOR MARKSHALL PHONGSAVANH, DATED OCTOBER 6, 2023, RECORDED IN PLAT BOOK 74, PAGE 130, HABERSHAM COUNTY, GEORGIA RECORDS. SAID PLAT AND THE RECORD THEREOF IS HEREBY MADE FOR A MORE FULL AND COMPLETE DESCRIPTION.
SUBJECT TO ALL RESTRICTIONS, RESERVATIONS, EASEMENTS, AND RIGHTS OF WAY OF RECORD, IF ANY.
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 Markshall Phongsavanh and Christine Phongsavanh.
The property, being commonly known as 1315 Old Hardman Btms Rd, Clarkesville, GA 30523, in Habersham County, will be sold as the property of Markshall Phongsavanh and Christine Phongsavanh, 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, cov-enants, and matters of record to the Security Deed.
Pursuant to O.C.G.A.§ 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows: ServiceMac, LLC, 9726 Old Bailes Road, Suite 200, Indian Land, SC 29707, 844-478-2622. The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.
ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (the Rule), found at 89 FR 70258, will go into effect. The Rule applies to certain residential real estate sale transactions (including nonjudicial foreclosures) where the transfer is to a legal entity or trust, and which includes cash purchases, private financing or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicious Activity Report requirement. As part of this Rule, purchasers and sellers are required to provide additional information and documentation about themselves, their legal entities, and/or the source of funds used in the reportable transaction. The collection of this information and documentation is required to comply with the Rules federal reporting requirements. This notice is provided for informational purposes only and does not constitute legal advice. You are encouraged to consult with your own independent legal counsel if you have questions about how the FinCEN Anti-Money Laundering Rule affects your transaction and whether your transaction is reportable.
https://www.fincen.gov/rre and https://www.fincen.gov/rre-faqs
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 Lakeview Loan Servicing, LLC, as Attorney in Fact for
Markshall Phongsavanh and Christine Phongsavanh
100 Galleria Parkway, Suite 1000
Atlanta, GA 30339
Phone: (770) 373-4242
THIS FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
- 26-006507
6P-5/27-7/1/26