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NOTICE OF

FORECLOSURE SALE

UNDER POWER

COWETA COUNTY, GEORGIA

THIS IS AN ATTEMPT 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 Eric Togneri to Mortgage Electronic Registration Systems, Inc., as nominee for SunTrust Mortgage, Inc., dated May 19, 2006, and recorded in Deed Book 2970, Page 429, Coweta County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded on July 21, 2014 in Book 4109 Page 310 in the Office of the Clerk of Superior Court of Coweta County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Three Hundred Ninety-Two Thousand and 0/100 dollars ($392,000.00), 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 Coweta County, Georgia, within the legal hours of sale on October 7, 2014, the following described property:

All that tract or parcel of land situate, lying and being in Land Lot 20 of the Sixth Land District of Coweta County, Georgia and being more particularly described as Lot 31C of Arbor Springs Plantation Subdivision, Phase C, as shown on plat of survey recorded at Plat Book 66, Page 250, and Plat Book 67, Page 1, in the Office of the Clerk of the Superior Court of Coweta County, Georgia; to which plats reference is hereby made for a more complete and accurate description of the property conveyed herein The above-described property is conveyed subject to that certain Declaration of Covenants, Conditions, Restrictions and Easements for Arbor Springs Plantation of record at Deed Book 839, Pages 423 - 441, Coweta County Records, as restated by that certain Restatement of Declaration of Covenants, Conditions, Restrictions and Easements for Arbor Springs Plantation of record at Deed Book 941, Pages 96 - 125, Coweta County Records. The above-described property is also conveyed subject to minimum square footage requirements as promulgated from time to time by the Architectural Control Committee pursuant to the above Declaration Subject to those easements and matters shown on the above-referenced survey.

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).

Your mortgage servicer can be contacted at (800) 443-1032 - Loss Mitigation Dept, or by writing to PO Box 27767, Richmond, Virginia 23261, to discuss possible alternatives to avoid foreclosure.

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

To the best knowledge and belief of the undersigned, the party in possession of the property is Theresa B. Togneri or tenant(s); and said property is more commonly known as 10 Cloister Cove, Newnan, GA 30265.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure.

SunTrust Mortgage, Inc. as Attorney in Fact for Eric Togneri.

Brock & Scott, PLLC

4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341

404-789-2661

B&S file no.: 14-19846

No.60302-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

COWETA COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Paula C Morley to Mortgage Electronic Registration Systems, Inc. as nominee for Branch Banking and Trust Company dated 11/10/2010 and recorded in Deed Book 3619 Page 403, COWETA County, Georgia records; as last transferred to or acquired by Branch Banking and Trust Company, conveying the after-described property to secure a Note in the original principal amount of $ 98,298.00, 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 October 07, 2014 (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 37 of the 6th District, of Coweta County, Georgia, being Lot 17, of Crossroads Estates Subdivision, Phase Two, as per plat thereof recorded in Plat Book 54, Page 11-12, Coweta County, Georgia, records, which plat is incorporated herein and made a part hereof by reference for a more detailed description. Being known as 229 CROSSROADS ESTATES 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 is commonly known as 229 Crossroads Estates Drive, Newnan, GA 30265 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): Paula C Morley and Estate/Heirs of Paula C. Morley or tenant or tenants.

Branch Banking and Trust Company is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage.

Branch Banking and Trust Company

Mortgage Loan Servicing P.O. Box 2467 Greenville, SC 29602-2467 1-800-827-3722

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.

Branch Banking and Trust Company as agent and Attorney in Fact for Paula C Morley

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

1207-314A

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1207-314A

No.60308-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

STATE OF GEORGIA

COUNTY of COWETA

By virtue of the power of sale contained in that certain Deed to Secure Debt from HELEN J. SCHOBER A/K/A HELEN JANE OTT SCHOBER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR CRESCENT MORTGAGE COMPANY dated November 15, 2007, filed for record November 20, 2007, and recorded in Deed Book 3278, Page 501, COWETA County, Georgia Records, as last transferred to COMMUNITY FIRST BANK OF CHARLESTON by assignment recorded in Deed Book 4119, Page 795, COWETA County, Georgia Records, Deed to Secure Debt having been given to secure a Note dated November 15, 2007 in the original principal sum of SIX HUNDRED TWENTY FIVE THOUSAND AND 0/100 DOLLARS ($625,000.00), with interest from date at the rate stated in said Note 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 COWETA County, Georgia, within the legal hours of sale on the first Tuesday in October, 2014, the following described property

TRACT ONE:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 115 AND 124 OF THE 3RD LAND DISTRICT, COWETA COUNTY, GEORGIA, AND BEING MORE PARTICULARLY DELINEATED AND DESCRIBED AS A PARCEL OF LAND CONTAINING 28.818 ACRES, ON A PLAT ENTITLED SURVEY FOR HELEN JANE OTT SAID PLAT BEING DATED NOVEMBER 6, 2001, AND PREPARED BY JASON D. TURNER, GEORGIA REGISTERED LAND SURVEYOR NO. 2795. A COPY OF SAID PLAT IS RECORDED IN PLAT BOOK 76, PAGE 28, COWETA COUNTY DEED RECORDS, WHICH PLAT AND THE RECORD THEREIN CONTAINED ARE BY REFERENCE INCORPORATED HEREIN FOR A MORE AND COMPLETE ACCURATE DESCRIPTION OF SAID PROPERTY.

TRACT TWO:

ALL THOSE TWO CERTAIN TRACTS OR PARCELS OF LAND SITUATE, LYING AND BEING IN LAND LOTS 124 AND 115 OF THE 3RD LAND DISTRICT OF COWETA COUNTY, GEORGIA, AND BEING SHOWN AS PARCEL A-1', CONTAINING 4.244 ACRES AND PARCEL A-2', CONTAINING 1.164 ACRES, ON THAT CERTAIN PLAT OF SURVEY BY TURNER & ASSOCIATES, LAND SURVEYORS, P.C. DATED APRIL 12, 2002, AND LAST REVISED MARCH 18, 2005, BEARING STAMP OF JASON D. TURNER, GEORGIA REGISTERED LAND SURVEYOR, A COPY OF WHICH PLAT IS RECORDED AT PLAT BOOK 83, PAGE 399, COWETA COUNTY, GEORGIA RECORDS, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE COMPLETE AND ACCURATE DESCRIPTION OF THE PROPERTY HEREIN CONVEYED.

To the best of the knowledge and belief of the undersigned, the party in possession of the property is HELEN J. SCHOBER A/K/A HELEN JANE OTT A/K/A HELEN JANE OTT SCHOBER or a tenant or tenants. Said property is more commonly known as: 500 LAMAR POTTS ROAD, NEWNAN, GA 30263.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

The individual or entity that has full authority to negotiate, amend, and modify all terms of the loan is CENLAR FSB, 425 PHILLIPS BLVD, EWING, NJ 08618-1430; (877) 909-9416.

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. 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.

Said property will be sold as the property of HELEN J. SCHOBER A/K/A HELEN JANE OTT A/K/A HELEN JANE OTT SCHOBER.

COMMUNITY FIRST BANK OF CHARLESTON

As Attorney-in-Fact for

HELEN J. SCHOBER A/K/A HELEN JANE OTT A/K/A HELEN JANE OTT SCHOBER

Phelan Hallinan & Jones, LLC

11675 Great Oaks Way, Suite 375

Alpharetta, GA 30022

Telephone: 770-393-4300

Fax: 770-393-4310

PH # 19996

No.60263-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from CAROLYN D. SIMPSON to Mortgage Electronic Registration Systems, INC. As nominee for Embrace Home Loans, Inc., dated June 26, 2012, recorded July 13, 2012, in Deed Book 3812, Page 454, , Coweta County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Eight Thousand One Hundred Nine and 00/100 dollars ($108,109.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Embrace Home Loans, Inc, there will be sold at public outcry to the highest bidder for cash at the Coweta County Courthouse, within the legal hours of sale on the first Tuesday in October, 2014, 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 121 OF THE 6TH DISTRICT OF COWETA COUNTY, GEORGIA, BEING LOT 17 OF LITTLE CREEK ESTATES SUBDIVISION, PHASE 2, AS PER PLAT RECORDED IN PLAT BOOK 45, PAGE 54, RECORDS OF COWETA COUNTY, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF.

FOR TITLE REFERENCE SEE A DEED FROM BRUCE W. SIMPSON AND CAROLYN D. MC DONALD RECORDED 03/04/2004 IN BOOK 2442, PAGE 169 AND AN AFFIDAVIT OF SURVIVING SPOUSE RECORDED IN BOOK 3606, PAGE 812 ON 10/06/2010.

Said legal description being controlling, however the property is more commonly known as 20 LITTLE CREEK DR., SHARPSBURG, GA 30277.

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. 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 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 CAROLYN D. SIMPSON, 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: LoanCare, a Division of FNF Servicing, Inc., NKA LoanCare, LLC, Loss Mitigation Dept., 3637 Sentara Way, Virginia Beach, VA 23452, Telephone Number: 757-309-4257.

EMBRACE HOME LOANS, INC

as Attorney in Fact for

CAROLYN D. SIMPSON

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. LNC-13-03212-14

Ad Run Dates 09/11/2014, 09/18/2014, 09/25/2014, 10/02/2014

www.rubinlublin.com/property-listings.php

No.60268-9-11-18-25&10-2

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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 Jason A Hill and Janet V. Hill to Mortgage Electronic Registration Systems, Inc., as nominee for Market Street Mortgage Corporation, its successors and assigns, dated October 9, 2003, recorded in Deed Book 2346, Page 452, Coweta County, Georgia Records and as modified by that certain Loan Modification Agreement recorded in Deed Book 4054, Page 650, Coweta County, Georgia Records, as last transferred to Wells Fargo Bank, NA by assignment recorded in Deed Book 3685, Page 389, Coweta County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY-ONE THOUSAND THREE HUNDRED NINETY AND 0/100 DOLLARS ($141,390.00), 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 October, 2014, 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. Wells Fargo Bank, NA is the holder of the 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: Wells Fargo Home Mortgage a div. of Wells Fargo Bank, N.A., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. To the best knowledge and belief of the undersigned, the party in possession of the property is Jason A Hill and Janet V. Hill or a tenant or tenants and said property is more commonly known as 2550 Welcome Road, Newnan, 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. Wells Fargo Bank, NA as Attorney in Fact for Jason A Hill and Janet V. Hill McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/spg 10/7/14 Our file no. 5466614-FT5 *Auction services provided by Auction.com (www.auction.com) EXHIBIT “A” All that certain tract or parcel of land situate, lying and being in Land Lot 64 of the Fourth Land District of Coweta County, Georgia, containing 3.98 acres as per plat for Jason Hill and Janet Hill prepared by McLain Surveying, Inc., dated June 16, 2003 and of record at Plat Book 79, Page 135, Coweta County, Georgia Records. Reference to said plat is hereby made for a more complete and accurate description of the property herein described. MR/spg 10/7/14 Our file no. 5466614 - FT5

No.60243-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

COWETA COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Cassondra Williams and Larry Williams to Mortgage Electronic Registration Systems, Inc. as nominee for SunTrust Mortgage, Inc. dated 6/15/2005 and recorded in Deed Book 2760 Page 402, COWETA County, Georgia records; as last transferred to or acquired by Federal National Mortgage Association ("Fannie Mae"), a corporation organized and existing under the laws of the United States of America, conveying the after-described property to secure a Note in the original principal amount of $ 146,400.00, 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 October 07, 2014 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property:

Tract One: All that certain tract or parcel of land situate, lying and being in Land Lot 79 of 4th Land District of Coweta County, Georgia, being Tract A2, containing 3.07 acres, as per plat of record at Plat Book 80, Page 121, Coweta County, Georgia Records. Reference to said plat is hereby made for a more complete and accurate description of the property herein described. Tract Two: All that certain tract or parcel of land situate, lying and being in Land lot 79 of the 4th Land District of Coweta County, Georgia, and being more particularly described as Lot 17C of Rustica Estates Subdivision, containing .9255 acres and being more particularly shown on that certain plat of survey for Larry Williams, said survey being prepared by John R. Christopher, Registered Land Surveyor, dated March 20, 1992, and being of record at Plat Book 53, Page 50, Office of the Clerk, Coweta County, Georgia Superior Court. Reference to said plat is hereby made for a more complete and accurate description of the property herein described. Subject property is conveyed subject to a non-exclusive easement for access, ingress and egress over, across and through that certain existing gravel drive shown on the survey above-referenced. Reference to the above-described survey is hereby made for a more complete and accurate description of the property over which this easement is hereby reserved, Said easement was reserved in that certain Warranty Deed recorded at Deed Book 2247, Page 658, Coweta County, Georgia 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 is commonly known as 159 Rustica Drive, Newnan, GA 30263 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): Larry Williams or tenant or tenants.

Seterus, Inc. is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage.

Seterus, Inc.

Loss Mitigation PO Box 4121 Beaverton, OR 97076-4121 866.570.5277

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.

Federal National Mortgage Association ("Fannie Mae"), a corporation organized and existing under the laws of the United States of America as agent and Attorney in Fact for Cassondra Williams and Larry Williams

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

1168-2089A

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1168-2089A

No.60253-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from KENNETH MCDONALD AND TERESA T. MCDONALD to Mortgage Electronic Registration Systems, Inc.as nominee for DYNAMIC MORTGAGE BANKERS, LTD., dated February 8, 2008, recorded February 15, 2008, in Deed Book 3310, Page 630-641, , Coweta County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty-Two Thousand Five Hundred Ten and 00/100 dollars ($122,510.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., there will be sold at public outcry to the highest bidder for cash at the Coweta County Courthouse, within the legal hours of sale on the first Tuesday in October, 2014, 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 132 OF THE 5TH DISTRICT, COWETA COUNTY, GEORGIA, BEING LOT 43 OF HICKORY HOLLOW SUBDIVISION, PHASE TWO, AS PER PLAT THEREOF RECORDED IN PLAT BOOK 22, PAGE 109, COWETA COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION.

Said legal description being controlling, however the property is more commonly known as 1 HYDE CIRCLE, NEWNAN, GA 30263.

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. 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 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 KENNETH MCDONALD AND TERESA T. MCDONALD, 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, Plano, TX 75024, Telephone Number: 800-846-2222.

BANK OF AMERICA, N.A.

as Attorney in Fact for

KENNETH MCDONALD AND TERESA T. MCDONALD

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-12-00163-2

Ad Run Dates 09/11/2014, 09/18/2014, 09/25/2014, 10/02/2014

www.rubinlublin.com/property-listings.php

No.60246-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY

By virtue of the power of sale contained in a Security Deed from David L. McCraney and Rose Mary McCraney to Mortgage Electronic Registration Systems Inc., as nominee for USA Home Loans, Inc., Corporation, its successors and assigns dated May 19, 2008 recorded in Deed Book 3352, Page 495 , Coweta County Records, and last assigned to CARRINGTON MORTGAGE SERVICES, LLC, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETEEN THOUSAND THREE HUNDRED TWENTY-THREE AND 00/100 ($119,323.00), 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, during the legal hours of sale on the first Tuesday, October 7, 2014 the following described property, to wit:

All that tract or parcel of land situate, lying and being in Land Lot 35 of the Fifth Land District of Coweta County, Georgia and being more particularly described as Lot 16 and part of Lot 17 of Red Acre Subdivision, containing 1.10 acres, as set forth on that certain plat of survey for Marcy Elizabeth White and Tony G. White, said survey being prepared by John R. Christopher, R.L.S., dated December 29, 1988 and being record in Plat Book 46, page 18, in the Office of the Clerk of the Superior Court of Coweta County, Georgia; to which plat reference is hereby made for a more particular and accurate description of the property conveyed herein.

The improvements thereon being commonly known as 265 Glover Circle, Newnan, Georgia, 30265.Being the sale lot or parcel of ground which by deed dated July 26, 2002 and recorded among the Land Records of Coweta County in Deed Book 1951, page 329 was granted and conveyed from Tonya G. White and Mary Elizabeth White unto David L. McCraney.

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 attorneyís fees, notice of intent to collect attorneyís 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 is David L. McCraney and Rose Mary McCraney or, a tenant or tenants, and said property was or is commonly known as 265 Glover Circle, Newnan, GA 30265.

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.

CARRINGTON MORTGAGE SERVICES, LLC

As Attorney in Fact for

David L. McCraney and Rose Mary McCraney

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-11071

/

Publication Dates: September 11, 18, 25 and October 2, 2014

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

No.60275-9-11-18-25&10-2

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NOTICE OF

FORECLOSURE OF

RIGHT TO REDEEM

[REF. O.C.G.A., Section 48-4-5 et seq.; 48-4-45 & 48-4-46]

SOUTHERN LAND RESOURCES, LLC

CHARTERBANK, Individually, and as successor-by-merger to NEIGHBORHOOD COMMUNITY BANK

OCCUPANT OF 000 LULLWATER COURT AND ALL PERSONS KNOWN AND UNKNOWN HAVING OF RECORD IN COWETA COUNTY ANY RIGHT, TITLE INTEREST IN, OR LIEN UPON 000 LULLWATER COURT

RE: FORECLOSURE OF EQUITY OF REDEMPTION FOR TAX SALE DEED (REF. O.C.G.A. § 48-4-45, 46)

Take notice that:

The right to redeem the following described property, to wit will expire and be forever foreclosed and barred as of five o’clock (5 p.m.) on and after October 2, 2014 or within 30 days after legal service of the Notice pursuant to OCGA 48-4-45 et seq., whichever date is later:

All that tract or parcel of land situate, lying, and being in Land Lot 55 of the First Land District of Coweta County, Georgia and being identified as Lot B-17 of Lullwater Subdivision, Phase B, prepared for Regional Atlanta Development, Inc. dated August 30, 1993 made by Jefferson Consultants, Inc. of record in Plat Book 56, Pages 138-141 in the Office of the Clerk of the Superior Court of Coweta County, Georgia, to which plat reference is hereby made for a more complete and accurate description of the property herein conveyed.

AND ALSO All that tract or parcel of land lying and being in Land Lot 55 of the First Land District of Coweta County, Georgia, and being more particularly described as follows: Beginning at the intersection made by the north line of Land Lot 55 of the First Land District with the west right of way line of the county road known as the Clearwater Road, and running thence in a westerly direction along the north line of said Land Lot 1,562 feet to an iron pin; thence south 3 degrees 00’ east 1,915 feet to the north side of an old county road running from Clearwater Road to the Dick Tope Road; thence easterly and northeasterly along the north and northeasterly side of the old county road to the west right of way line of the Clearwater Road; thence in a Northerly direction along the West right of way line of Clearwater Road to the BEGINNING POINT, and being all of Tract Number 3 of property of A.L. Dye as shown by plat of survey of same made by T. Y. Mattox, Surveyor, on the 4th day of February, 1955 and recorded in Plat Book 1, Page 153, in the Office of the Clerk of the Superior Court of Coweta County, Georgia EXCEPT a triangular piece of land containing 6 acres, more or less, in the southeast corner of Tract Number 3 of the Dye property lying southeast of said old county road and west of the Clearwater Road.

LESS AND EXCEPT: All that tract or parcel of land lying and being in Land Lot 55 of the First Land District of Coweta County, Georgia, and being more Particularly described as follows:

BEGINNING at the point formed by the intersection of the northern Land Lot Line of said Land Lot 55 with the western right of way line of Clearwater Road and running thence in a southerly direction following the western right of way line of Clearwater Road 97.32 feet to a point located on the southern right of way line of a private drive; running thence southwesterly following the arc of the curvature of said private drive 38.76 feet (said arc being subtended by a chord running south 47 degrees 40’30” west 38 feet); running thence south 27 degrees 59’ west following the southeastern right-of-way line of said private drive 256.31 feet to a point; running thence southwesterly and westerly following the arc of the curvature of the southeastern and southerly right of way line of said private drive 204.90 feet to a point (said arc being subtended by a chord running south 63 degrees 10’50” west 192.25 feet); running thence north 81 degrees 37’20” west following the southwestern right of way line of said private drive 210.82 feet to a point; running thence northwesterly and southwesterly following the arc of the southwestern and southeastern right of way line of said private drive 107.58 feet to a point (said arc being subtended by a cord running south 72 degrees 39’ west 104 feet); running thence north 42 degrees 55’ 45” west crossing said private drive 50 feet to a point; continuing thence north 42 degrees 55’45” west 135.9 feet to a point; running thence north 6 degrees 53’45” west 56 feet to a point; running thence north 44 degrees 30’ east 354.16 feet to a point located on the northern Land Lot line of said Land Lot 55; running thence south 88 degrees 48’15” east along the northern land lot line of said Land Lot 55 494.12 feet to the POINT OF BEGINNING.

FURTHER LESS AND EXCEPT: All that tract of land situate, lying, and being in Land Lot 55 of the First Land District of Coweta County, Georgia, and being identified as Phase A of Lullwater Subdivision as shown on Plat of Survey of Lullwater, Phase A, dated March 10, 1993, made by Larry C. Shimshick, R.L.S. as recorded in Plat Book 55, Pages 154 and 155 in the Office of the Clerk of the Superior Court of Coweta County, Georgia to which plat reference is hereby made for a more particular and accurate description of the property excluded herein.

FURTHER LESS AND EXCEPT: All that tract or parcel of land situate, lying and being in Land Lot 55 of the First Land District of Coweta County, Georgia, and being identified as Phase B of Lullwater Subdivision as shown on Plat of Survey of Lullwater Subdivision, Phase B, prepared for Regional Atlanta Development, Inc. dated August 30, 1993, made by Jefferson Consultants, Inc. as recorded in Plat Book 56, pages 138-141, in the Office of the Clerk of the Superior Court of Coweta County, Georgia, to which plat reference is hereby made for a more particular and accurate description of the property excluded herein.

That property known as 000 LULLWATER COURT according to the present system of numbering homes and having tax parcel identification number 124 1055 032 and 124 1055 003.

The tax deeds to which this notice relates are dated August 6, 2013 and recorded in the Office of the Clerk of the Superior Court of Coweta County, Georgia in Deed Book 3999 Pages 347 and 350.

The property may be redeemed on or before the time and date stated above by payment of the redemption price as fixed and provided by law to the undersigned at the following address:

TDGA, LLC c/o

Carolina D. Bryant, Esq.

Ayoub & Mansour, LLC

675 Seminole Avenue, Suite 301

Atlanta, Georgia 30307

404.892.2599

Please be governed accordingly.

No.60199-9-11-18-25&10-2

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NOTICE OF SALE

UNDER POWER

GEORGIA, COWETA COUNTY THIS IS AN ATTEMPT 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 James A Winkels to Mortgage Electronic Registration Systems, Inc., as nominee for GreenPoint Mortgage Funding, Inc., its successors and or assigns, dated March 18, 2005, recorded in Deed Book 2739, Page 343, Coweta County, Georgia Records and as re-recorded in Deed Book 2893, Page 676, Coweta County, Georgia Records, as last transferred to U.S. Bank National Association, as Trustee, successor in interest to Wachovia Bank, National Association as Trustee for Merrill Lynch Mortgage Investors Trust, Mortgage Loan Asset-Backed Certificates, Series 2005-A6 by assignment recorded in Deed Book 3755, Page 496, Coweta County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FIFTY-SEVEN THOUSAND SEVEN HUNDRED FIFTY AND 0/100 DOLLARS ($257,750.00), 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 October, 2014, 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. U.S. Bank National Association, as Trustee, successor in interest to Wachovia Bank, National Association as Trustee for Merrill Lynch Mortgage Investors Trust, Mortgage Loan Asset-Backed Certificates, Series 2005-A6 is the holder of the 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: Ocwen Loan Servicing, P.O. Box 6440, Carol Stream, IL 60197-6440 800-746-2936. To the best knowledge and belief of the undersigned, the party in possession of the property is James A Winkels or a tenant or tenants and said property is more commonly known as 251 Lake Forest Drive, Newnan, Georgia 30265. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. U.S. Bank National Association, as Trustee, successor in interest to Wachovia Bank, National Association as Trustee for Merrill Lynch Mortgage Investors Trust, Mortgage Loan Asset-Backed Certificates, Series 2005-A6 as Attorney in Fact for James A Winkels McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net EXHIBIT ?A? All that tract parcel of land lying and being in Land Lot 15 of the 5th District, Coweta County, Georgia, Being Lot 20, Phase II pod T, of Greatwood at Summer Grove Subdivision, as per Plat recorded in Plat Book 76, Page 189-192, in the office of the clerk of Superior Court of Coweta County, Georgia records, which Plat is incorporated herein by reference and made a part of this description. MR/akr 10/7/14 Our file no. 5832309 - FT17

No.60306-9-11-18-25&10-2

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