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NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

Under and by virtue of the Power of Sale contained in that certain Security Deed given by Eric R. Thomas and Shelly G. Thomas to BMO Harris Bank, N. A., as successor in interest through name change and by merger with M & I Bank, FSB dated September 20, 2007, recorded in Deed Book 3261, Page 367, Coweta County, conveying the after-described property to secure a Note in the original principal amount of Four Hundred Forty Five Thousand Five Hundred Dollars ($445,500.00), 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 Coweta County, Georgia, within the legal hours of sale on the first Tuesday in June, 2013, the following described property:

All that tract or parcel of land lying and being in Land Lot 120 and 128 of the 1st and 6th District, Coweta County, Georgia, being Lot B-35, Lake Park Subdivision, Phase B, as per plat recorded in Plat Book 73, Page 96-100, Coweta County, Georgia Records, which plat is incorporated herein by reference and made a part of this description. Said property being known as 120 Lake Park Drive according to the present system of numbering property in Coweta County, Georgia.

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is Eric R. Thomas and Shelly G. Thomas, tenant or tenants, and said property is more commonly known as 120 Lake Park Drive, Sharpsburg, Georgia 30277.

The sale will be conducted subject to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code. BMO Harris Bank, N. A., as successor in interest through name change and by merger with M & I Bank, FSB, as Attorney in Fact for Eric R. Thomas and Shelly G. Thomas.

By:_____________________________

Heath W. Williams

Attorney for BMO Harris Bank, N. A., as successor

in interest through name change and by merger with M & I Bank, FSB

Heath W. Williams, LLC

170 Mitchell Street, SW

Atlanta, Georgia 30303

(404) 525-5204

(404) 581-3801 (fax)

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

No. 56768-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

Georgia, Coweta County

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by OLIVER DUNN JR, to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., AS NOMINEE FOR DECISION ONE MORTGAGE COMPANY, LLC., dated JUNE 21, 2005, and recorded in Deed Book 2766, Page 850, Coweta County, Georgia records, AS LAST TRANSFERRED TO WELLS FARGO BANK, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE POOLING AND SERVICING AGREEMENT DATED AS OF OCTOBER 1, 2005 MORGAN STANLEY ABS CAPITAL I INC. TRUST 2005-HE5 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-HE5 BY ASSIGNMENT RECORDED BOOK 3641, PAGE 390 IN COWETA COUNTY IN GEORGIA RECORDS, conveying the after-described property to secure a Note of even date in the original principal amount of $205,200.00, 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 Coweta County, Georgia, within the legal hours of sale on the first Tuesday in June, 2013, to wit: June 04, 2013, the following described property:

ALL THAT TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN LAND LOT 134 AND 135 OF THE FIFTH LAND DISTRICT OF COWETA COUNTY, GEORGIA AND BEING IDENTIFIED AS TRACT 1, CONTAINING 5.00 ACRES, ACCORDING TO PLAT OF SURVEY FOR CELESTIAL ACRES, DATED APRIL 19, 1995, MADE BY JOHN R. CHRISTOPHER, R.L.S., AS RECORDED IN PLAT BOOK 60, PAGE 104, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF COWETA COUNTY, GEORGIA; TO WHICH PLAT REFERENCE IF HEREBY MADE FOR A MORE PARTICULAR AND ACCURATE DESCRIPTION OF THE PROPERTY CONVEYED HEREIN.

ALSO CONVEYED HEREIN IS A NON-EXCLUSIVE PERPETUAL EASEMENT FOR THE PURPOSE OF INGRESS AND EGRESS FROM THE ABOVE-DESCRIBED PROPERTY TO THE RIGHT OF WAY OF ROSCOE ROAD AND BEING DESIGNATED AS JOINT DRIVE ENTRANCE AND EASEMENT “A” DRIVE EASEMENT, AS SHOWN ON PLAT OF SURVEY FOR CELESTIAL ACRES, DATED APRIL 19, 1995, MADE BY JOHN R. CHRISTOPHER, R.L.S., RECORDED IN PLAT BOOK 60, PAGE 104, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF COWETA COUNTY, GEORGIA AND BEING FURTHER SHOWN ON PLAT OF SURVEY FOR DAVID M. LASHLEY AND KELLY H. LASHLEY, DATED APRIL 1, 1996, MADE BY JOHN R. CHRISTOPHER, R.L.S., RECORDED IN PLAT BOOK 62, PAGE 69, COWETA COUNTY RECORDS. REFERENCE TO SAID PLATS IS HEREBY MADE FOR A MORE PARTICULAR AND ACCURATE DESCRIPTION OF SAID EASEMENTS HEREIN CONVEYED. SAID EASEMENT BEING FURTHER DESCRIBED IN THE CERTAIN EASEMENT DOCUMENT RECORDED IN DEED BOOK 1264, PAGE 14, COWETA COUNTY RECORDS.

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

Said property is commonly known as 1413 ROSCOE ROAD, NEWNAN, GA 30263, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): OLIVER DUNN JR, or tenant or tenants.

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

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.

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

Pursuant to O.C.G.A. Section 44-14-162.2, the entity that has full authority to negotiate, amend and modify all terms of the mortgage with the debtor is:

Ocwen Loan Servicing, LLC

Attention: Home Retention Department

1661 Worthington Road, Suite 100

West Palm Beach, FL 33409

Facsimile: 1-407-737-5693

The foregoing notwithstanding, nothing in OC.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being

WELLS FARGO BANK, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE POOLING AND SERVICING AGREEMENT DATED AS OF OCTOBER 1, 2005 MORGAN STANLEY ABS CAPITAL I INC. TRUST 2005-HE5 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-HE5

as attorney in fact for

OLIVER DUNN JR,

Richard B. Maner, P.C.

5775 Glenridge Drive

Building D, Suite 100

Atlanta, GA 30328

(404)252-6385

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

AFC13-309

No. 56738-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from JESUS R. ROMAN AND SANDRA TREJOS-ROMAN to RYLAND MORTGAGE COMPANY, AN OHIO CORPORATION, dated December 16, 2008, recorded January 6, 2009, in Deed Book 3412, Page 712, Coweta County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Sixty-Five Thousand Five Hundred Fifty-Eight and 00/100 dollars ($265,558.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Coweta County, Georgia, within the legal hours of sale on the first Tuesday in June, 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 45, 5TH DISTRICT, COWETA COUNTY, GEORGIA, BEING LOT 52, STONEBRIDGE SUBDIVISION, PHASE 1 "A", AS PER PLAT RECORDED AT PLAT BOOK 81, PAGES 1-7, COWETA COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A

PART HEREOF.

Said legal description being controlling, however the property is more commonly known as 31 STONEBRIDGE BLVD, NEWNAN, GA 30265.

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 JESUS R. ROMAN AND SANDRA TREJOS-ROMAN, or tenants(s).

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

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.

BANK OF AMERICA, N.A.

as Attorney in Fact for

JESUS R. ROMAN AND SANDRA TREJOS-ROMAN

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. BAC-12-07309-0002

Ad Run Dates 05/09/2013, 05/16/2013, 05/23/2013, 05/30/2013

www.rubinlublin.com/property-listings.php

No. 56691-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA 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 Ann W Ray to Delta Community Credit Union, dated July 17, 2007, recorded in Deed Book 3329, Page 455, Coweta County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWO THOUSAND ONE HUNDRED AND 0/100 DOLLARS ($102,100.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Coweta County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in June, 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. Delta Community Credit Union 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: Delta Community Credit Union, 315 North Highway 74, Peachtree City, GA 30269, 800-544-3328. To the best knowledge and belief of the undersigned, the party in possession of the property is Ann W Ray or a tenant or tenants and said property is more commonly known as 60 Little John Way, Newnam, Georgia 30263. 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. Delta Community Credit Union as Attorney in Fact for Ann W Ray McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/kgo 6/4/13 Our file no. 5297013-FT17 EXHIBIT “A” All that tract or parcel of land situate, lying and being in land District of Coweta County, Georgia, and being Lot 1, Block C of Sherwood Forest Subdivision, as shown by plat of said Subdivision made by J. Williams Ozmore, Surveyor, on July 23, 1971 to add Lot 1, Block C, of record in Plat Book 16, in the Office of the Clerk of the Superior Court of Coweta County, Georgia to which plat reference is hereby made for a more accurate description of property herein conveyed. MR/kgo 6/4/13 Our file no. 5297013 - FT17

No. 56747-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

Georgia, Coweta County

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by ROSANNE ASCI AND ANTHONY ASCI to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR OWNIT MORTGAGE SOLUTIONS, INC., dated JANUARY 12, 2006, and recorded in Deed Book 2896, Page 775, Coweta County, Georgia records, HAVING BEEN MODIFIED AT DEED BOOK 3659, PAGE 797, AFORESAID RECORDS AND AS LAST TRANSFERRED TO U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR OWNIT MORTGAGE LOAN TRUST, MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-3 BY ASSIGNMENT RECORDED IN COWETA COUNTY, GEORGIA RECORDS, conveying the after-described property to secure a Note of even date in the original principal amount of $112,700.00, 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 Coweta County, Georgia, within the legal hours of sale on the first Tuesday in June, 2013, to wit: June 04, 2013, the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 281 OF THE 1ST DISTRICT OF COWETA COUNTY, GEORGIA, BEING LOT 68 OF MARTINWOOD SUBDIVISION, PHASE V, AS SHOWN ON THAT CERTAIN PLAT OF SAID SUBDIVISION RECORDED IN PLAT BOOK 56, PAGE 75, COWETA COUNTY, GEORGIA RECORDS, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE ACCURATE DESCRIPTION OF THE METES AND BOUNDS OF SAID LOT 68.

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

Said property is commonly known as 71 SPRING CIRCLE, SENOIA, GA 30276, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): ROSANNE ASCI AND ANTHONY ASCI or tenant or tenants.

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

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed.

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

Pursuant to O.C.G.A. Section 44-14-162.2, the entity that has full authority to negotiate, amend and modify all terms of the mortgage with the debtor is:

Ocwen Loan Servicing, LLC

Attention: Home Retention Department

1661 Worthington Road, Suite 100

West Palm Beach, FL 33409

Facsimile: 1-407-737-5693

The foregoing notwithstanding, nothing in OC.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein.

This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being

U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR OWNIT MORTGAGE LOAN TRUST, MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-3

as attorney in fact for

ROSANNE ASCI AND ANTHONY ASCI

Richard B. Maner, P.C.

5775 Glenridge Drive

Building D, Suite 100

Atlanta, GA 30328

(404)252-6385

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

AFC12-1257

No. 56746-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

IN DEED TO

SECURE DEBT

STATE OF GEORGIA

COUNTY OF COWETA

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Ricky G. Spradlin to Mortgage Electronic Registration Systems, Inc. as nominee for Flagstar Bank, FSB in the original principal amount of $239,600.00 dated 01/10/2006, and recorded in Deed Book 2894, page 218, Coweta County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 3770, page 554, Coweta 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 June, 2013 by CitiMortgage, Inc., as Attorney-in-Fact for Ricky G. Spradlin the following described property:

All that certain tract or parcel of land situate, lying and being in Land Lot 17 of the Third Land District of Coweta County, Georgia, being Lot 4 of Hogan`s Corner, containing 5.006 acres, as per plat of record at Plat Book 75, Page 158,

Coweta County, Georgia records. Reference to said plat is hereby made for a more complete and accurate description of the property herein described.

The above described property is conveyed subject to Declaration of Covenants and Restrictions of record at Deed Book 1889, Page 23, Coweta County, Georgia records, and all amendments thereto.

Property known as: 22 Hogan Coweta Rd, Hogansville, GA 30230

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 Ricky G. Spradlin 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 Ricky G. Spradlin.

CitiMortgage, Inc., as Attorney-in-fact for Ricky G. Spradlin.

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. 13-00523-3

No. 56705-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

STATE OF GEORGIA

COUNTY OF COWETA

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Trey Mann and Amanda B. Mann to CharterBank dated August 20, 2008, and recorded in Deed Book 3396, Page 73-80, Coweta County Records, securing a Note dated August 20, 2008 in the original principal amount of $70,000.00 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, June 4, 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 235 of the 1st District, Coweta County, Georgia and being Lot 17 of Willow Bend Phase II as per plat recorded in Plat Book 83, Page 218-220, Coweta County records which plat is incorporated herein and made a part hereof by reference.

The property will be sold and conveyed subject to the following outstanding prior Security Deed:

Security Deed from Trey Mann and Amanda Bearden to CharterBank dated March 8, 2006 and recorded in Deed Book 2925, Page 650-665, Coweta County, Georgia records being re-recorded in Deed Book 2959, Page 29-47, Coweta County, Georgia Records.

Said property is known as 264 Willow Bend Way, Senoia, GA 30276-3376, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

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

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

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

CharterBank as Attorney-in-Fact for Trey Mann and Amanda B. Mann

MANN WOOLDRIDGE KNEIDEL, P.C.

Attorneys at Law

28 Jackson Street

Newnan, GA 30263

(770) 253-2222

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

No. 56758-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

COWETA COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Justin Chambers and Melanie Chambers to Market Street Mortgage Corporation dated 7/3/2002 and recorded in Deed Book 1939 Page 144, Coweta County, Georgia records; as last transferred to Georgia Housing and Finance Authority, conveying the after-described property to secure a Note in the original principal amount of $ 94,445.00, 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 Coweta County, Georgia, within the legal hours of sale on June 04, 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 LAND LOT 243 OF THE 2ND DISTRICT OF COWETA COUNTY, GEORGIA, AND BEING LOT 5 BLOCK B OF IVY GLEN SUBDIVISION, UNIT TWO, AS PER PLAT OF SURVEY RECORDED IN PLAT BOOK 71, PAGES 159, COWETA COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY THIS REFERENCE.

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

Said property is commonly known as 25 Chelsea Lane, Grantville, GA 30220 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): Justin Chambers and Melanie Chambers or tenant or tenants.

State Home Mortgage 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.

State Home Mortgage

Loss Mitigationâ ¨60 Executive Park S. NEâ ¨Atlanta, GA 30329-2231â ¨404-679-0624

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.

Georgia Housing and Finance Authority as agent and Attorney in Fact for Justin Chambers and Melanie Chambers

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. 1033-599A

No. 56755-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Raymond Keith Helms and Janet R. Helms to Avalon Mortgage Inc. dated June 23, 2003 in the amount of $240,850.00, and recorded in Deed Book 2244, Page 573, Coweta 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 June, 2013 , during the legal hours of sale, at the Courthouse door in Coweta 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 situate, lying and being in Land Lot 99 of the 6th District, Coweta County, Georgia, being more particularly described as Tract 3B containing 4.481 acres, as shown on plat of property prepared for Larry Kilgore and Beverly Seifert by John R. Christopher, Registered Land Surveyor, dated 2/28/83, said plat appearing of record in Plat Book 31, Page 153, Office of the Clerk, Coweta Superior Court, reference to which plat is hereby made for a more particular description of the tract herein conveyed.

which has the property address of 4690 Lower Fayetteville Rd., Sharpsburg, 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 Raymond Keith Helms and Janet R. Helms 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

Raymond Keith Helms and Janet R. Helms

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Newnan Times-Herald

Publication Dates: 05-09-2013, 05-16-2013, 05-23-2013, 05-30-2013

File No. 12-10215 /CONV/ajackson

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.

No. 56701-5-9-16-23-30

NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Peggy Lambert and James A. Lambert Jr. to Long Beach Mortgage Company dated November 1, 2005 in the amount of $135,000.00, and recorded in Deed Book 2852, Page 269 and as modified in Loan Agreement recorded June 13, 2007 in Deed Book 3202, Page 301, Coweta 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 June, 2013 , during the legal hours of sale, at the Courthouse door in Coweta 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 252 of the 5th District, Coweta County, Georgia, and being more particularly described as follows:

To find the Point of Beginning, begin at a point marking the Southwest corner of Land Lot 161 of the 8th District, Coweta County, Georgia; running North 89 degrees 41 minutes 40 seconds East along the line dividing Land Lots 161 of the 8th District and Land Lot 252 of the 5th District, Coweta County, Georgia, 1,779.7 feet to a point; run South 45 degrees 11 minutes 40 seconds East. 215.8 feet to the Point of Beginning. From said Point of Beginning run Southwesterly along the Southeastern Right-of-Way of Sewell Mill Road (80 feet Right-of-Way) a distance of 261.5 feet, said distance having a bearing of South 39 degrees 23 minutes 22 seconds West and a chord distance of 261.1 feet to a point; thence South 45 degrees 11 minutes 40 seconds East 166.50 feet to a point; thence North 43 degrees 36 minutes 20 seconds East 260.00 feet to a point; thence North 45 degrees 11 minutes 40 seconds West 185.7 feet to the Point of Beginning.

The above-described property is more particularly shown on a survey for James A. Lambert Jr. and Peggy Lambert dated 5/9/91 by John R. Christopher, Registered Land Surveyor No. 1766 identified as Job No. 75005 and contains 1.051 acres.

which has the property address of 2277 Sewell Mill Road, Newnan, 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 Peggy Lambert and James A. Lambert Jr. 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

Peggy Lambert and James A. Lambert Jr.

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Newnan Times-Herald

Publication Dates: 05-09-2013, 05-16-2013, 05-23-2013, 05-30-2013

File No. 08-05208 /CONV/efisher

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.

No. 56601-5-9-16-23-30