Newspaper Page Text
PAGE 18D
THE JACKSON HERALD
WEDNESDAY, MARCH 17, 2010
Public Notices Continued
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of
the Power of Sale contained
in a Security Deed given by
AUBRY G. FLOWERS and
MARY C. FLOWERS to
WELLS FARGO BANK, NA,
dated August 3, 2005, record
ed in Deed Book 40-A, Page
760, Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original principal
amount of ONE HUNDRED
EIGHTY-THREE THOUSAND
FIVE HUNDRED AND 0/100
DOLLARS ($183,500.00), with
interest thereon as set forth
therein, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Wells
Fargo Home Mortgage, Inc.,
PO Box 10335, Des Moines, IA
50306, 1-800-416-1472. Please
understand that the secured
creditor is not required by law to
negotiate, amend, or modify the
terms of the mortgage instru
ment. To the best knowledge
and belief of the undersigned,
the party in possession of the
property is Aubry G. Flowers
and Mary C. Flowers or a ten
ant or tenants and said property
is more commonly known as 78
Cottonwood Road, Jefferson,
Georgia 30549. The sale will
be conducted subject (1) to
confirmation that the sale is
not prohibited under the U.S.
Bankruptcy Code and (2) to
final confirmation and audit of
the status of the loan with the
holder of the security deed.
Wells Fargo Bank, NA as
Attorney in Fact for Aubry G.
Flowers and Mary C. Flowers
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/ras 4/6/10
Our file no. 53724709-FT7
EXHIBIT “A”
All that tract or parcel of
land lying and being in GMD
245, Jackson County, Georgia,
being Lot 3, Block B, Clover Mill
Farms, as per plat recorded in
Plat Book 54, Pages 80-81,
Jackson County, Georgia
Records; said plat being incor
porated herein and made a part
hereof by reference.
MR/ras 4/6/10 Our file no.
53724709 - FT7
(MA10,17,24,31B/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of
the Power of Sale contained
in a Security Deed given
by L. HENRY DAVIS JR. to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated August 27, 2003,
recorded in Deed Book 31-Y,
Page 157, Jackson County,
Georgia Records, as last trans
ferred to BAC Home Loans
Servicing, LP fka Countrywide
Home Loans Servicing, LP
by assignment to be record
ed in the Office of the Clerk
of Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount of
FIFTY-FOURTHOUSANDAND
0/100 DOLLARS ($54,000.00),
with interest thereon as set
forth therein, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA 93536, (661)
951-5722. Please understand
that the secured creditor is not
required by law to negotiate,
amend, or modify the terms of
the mortgage instrument. To
the best knowledge and belief
of the undersigned, the party
in possession of the property is
L. Henry Davis Jr. or a tenant
or tenants and said property
is more commonly known as
1170 Thyatira Brockton Rd.,
Jefferson, Georgia 30549.
The sale will be conducted sub
ject (1) to confirmation that the
sale is not prohibited under the
U.S. Bankruptcy Code and (2)
to final confirmation and audit
of the status of the loan with the
holder of the security deed.
BAC Home Loans Servicing,
LP fka Countrywide Home
Loans Servicing, LP as Attorney
in Fact for L. Henry Davis Jr.
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/ap9 4/6/10
Our file no. 53499809-FT14
EXHIBIT “A”
All that tract or parcel of
land lying and being in the
257th G.M.D Jackson County,
Georgia containing 3.00 acres,
more or less, as shown on
plat and survey dated March
11, 1976, prepared by Venable
Brothers, Georgia Registered
Surveyors, and being of record
in the Office of the Clerk of
Superior Court of Jackson
County, Georgia, in Plat Book
11, Page 121, in which plat and
its recorded are by reference
incorporated herein for further
identification and description.
Subject to all existing ease
ments and rights of way, all
restrictions of record, and all
zoning or other governmental
ordinances affecting said prop
erty.
MR/ap9 4/6/10 Our file no.
53499809 - FT14
(MA 10,17,24,31b/12062-70T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of the
Power of Sale contained in a
Security Deed given by JOHN
MICHAEL MCEVER to BANK
OF AMERICA, N.A., dated
August 10, 2007, recorded
in Deed Book 0049-U, Page
0197, Jackson County, Georgia
Records, as last transferred to
BAC Home Loans Servicing,
L.P. fka Countrywide Home
Loans Servicing, L.P. by
assignment to be recorded
in the Office of the Clerk of
Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount of
SIXTY-FIVE THOUSAND AND
0/100 DOLLARS ($65,000.00),
with interest thereon as set
forth therein, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA 93536, (661)
951-5722. Please understand
that the secured creditor is not
required by law to negotiate,
amend, or modify the terms of
the mortgage instrument. To
the best knowledge and belief
of the undersigned, the party
in possession of the property is
John Michael Mcever or a ten
ant or tenants and said prop
erty is more commonly known
as 657 Duck Road, Braselton,
Georgia 30517. The sale will
be conducted subject (1) to
confirmation that the sale is
not prohibited under the U.S.
Bankruptcy Code and (2) to
final confirmation and audit of
the status of the loan with the
holder of the security deed.
BAC Home Loans Servicing,
L.P. fka Countrywide Home
Loans Servicing, L.P. as
Attorney in Fact for John
Michael Mcever
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/ap9 4/6/10
Our file no. 5239610-FT14
EXHIBIT “A”
All that tract or parcel of
land lying and being in Porter
G.M.D. 1765 of Jackson
County, Georgia, consisting of
Tracts I and II, containing a total
of 2.008 acres as shown on
the plat of survey prepared for
Gary L. & Carol D. Cash by B.
Keith Rochester & Associates,
Georgia Registered Land
Surveyors, dated March 3,
1973, and recorded in Plat
Book 9, Page 99 of the Jackson
County, Georgia plat records,
reference to said plat and the
record thereof is hereby made
for a more complete description
of the subject property, being
improved property known as
657 Duck Road according to
the present system of num
bering properties in Jackson
County, Georgia. This convey
ance is made subject to all zon
ing ordinances, easements and
restrictions of record affecting
said bargained premises. MR/
ap9 4/6/10 Our file no. 5239610
- FT14
(MA10,17,24,31B/12062-70T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of
the Power of Sale contained
in a Security Deed given by
RONNIE SCROGGS to
BANCMORTGAGE, a divi
sion of NATIONAL BANK OF
COMMERCE, dated July 24,
2003, recorded in Deed Book
31 -G, Page 147, Jackson
County, Georgia Records,
as last transferred to Astoria
Federal Savings and Loan
Association by assignment to
be recorded in the Office of
the Clerk of Superior Court
of Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original principal
amount of ONE HUNDRED
NINETY-FIVE THOUSAND
FIVE HUNDRED AND 0/100
DOLLARS ($195,500.00), with
interest thereon as set forth
therein, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mortgage
with the debtor is: Dovenmuehle
Mortgage, Inc., 1501 Woodfiled
Road Suite 400, Scaumburg,
IL 60173, 8006694268. Please
understand that the secured
creditor is not required by law to
negotiate, amend, or modify the
terms of the mortgage instru
ment. To the best knowledge
and belief of the undersigned,
the party in possession of the
property is Ronnie Scroggs or a
tenant or tenants and said prop
erty is more commonly known
as 246 April Lane, Jefferson,
Georgia 30549. The sale will
be conducted subject (1) to
confirmation that the sale is
not prohibited under the U.S.
Bankruptcy Code and (2) to
final confirmation and audit of
the status of the loan with the
holder of the security deed.
Astoria Federal Savings and
Loan Association as Attorney in
Fact for Ronnie Scroggs
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MFt/ho 4/6/10
Our file no. 52988209-FT8
EXHIBIT “A”
All that tract or parcel of land
lying and being in the 245 G.M.
D., Jackson County, Georgia,
designated as Lot 37 of Swann
Heights, Unit Three dated March
12, 1999, recorded in the Office
of the Clerk of Superior Court
of Jackson County, Georgia,
in Plat Book 54, at Page 59,
for a more detailed descrip
tion to said tract, reference is
hereby made to said plat as
recorded. Subject to existing
easements and rights of way
for public roads and utilities
now in use. MR/ho 4/6/10 Our
file no. 52988209 - FT8
(MA10,17,24,31B/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of the
Power of Sale contained in a
Security Deed given by TAE Y.
KHO to BANK OF AMERICA,
N.A., dated July 25, 2007,
recorded in Deed Book 0049-
Q, Page 0625, Jackson County,
Georgia Records, as last trans
ferred to BAC Home Loans
Servicing, L.P. fka Countrywide
Home Loans Servicing, L.P
by assignment to be record
ed in the Office of the Clerk
of Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount
of ONE HUNDRED SEVENTY-
TWO THOUSAND AND 0/100
DOLLARS ($172,000.00), with
interest thereon as set forth
therein, there will be sold at
public outcry to the highest bid
der for cash before the court
house door of Jackson County,
Georgia within the legal hours
of sale on the first Tuesday
in April, 2010, the following
described property:
SEE EXHIBIT“A” ATTACHED
HERETO AND MADE A PART
HEREOF
The debt secured by said
Security Deed has been and is
hereby declared due because
of, among other possible events
of default, failure to pay the
indebtedness as and when due
and in the manner provided in
the Note and Security Deed.
The debt remaining in default,
this sale will be made for the
purpose of paying the same
and all expenses of this sale, as
provided in Security Deed and
by law, including attorney’s fees
(notice of intent to collect attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA 93536, (661)
951-5722. Please understand
that the secured creditor is not
required by law to negotiate,
amend, or modify the terms of
the mortgage instrument. To
the best knowledge and belief
of the undersigned, the party
in possession of the property is
Tae Y. Kho or a tenant or ten
ants and said property is more
commonly known as 2351
Maddox Road, Hoschton,
Georgia 30548. The sale will
be conducted subject (1) to
confirmation that the sale is
not prohibited under the U.S.
Bankruptcy Code and (2) to
final confirmation and audit of
the status of the loan with the
holder of the security deed.
BAC Home Loans Servicing,
L.P. fka Countrywide Home
Loans Servicing, L.P as
Attorney in Fact for Tae Y. Kho
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/ap9 4/6/10
Our file no. 5294410-FT14
EXHIBIT “A”
All that tract or parcel of land
lying and being in the 1765th
and 248th District, G.M.,
Jackson County, Georgia,
being Tract 1, containing 1.10
acres, more or less, as per plat
recorded in Plat Book 53, Page
41, Jackson County, Georgia
records, which recorded plat
is incorporated herein by this
reference and made a part of
this description. Said property
being known as 2351 Maddox
Road according to the present
system of numbering property
in Jackson County, Georgia.
MR/ap9 4/6/10 Our file no.
5294410 - FT14
(MA10,17,24,31B/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of
the Power of Sale contained
in a Security Deed given
by TOMMY VARNER aka
THOMAS O’NEAL VARNER
to BENEFICIAL MORTGAGE
CO. OF GEORGIA, dated
January 10, 2007, recorded in
Deed Book 47-E, Page 253,
Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original principal
amount of ONE HUNDRED
FORTY-ONE THOUSAND
SEVEN HUNDRED FORTY-
SIX AND 42/100 DOLLARS
($141,746.42), with interest
thereon as set forth therein,
there will be sold at public outcry
to the highest bidder for cash
before the Courthouse door of
Jackson County, Georgia within
the legal hours of sale on the
first Tuesday in April, 2010, the
following described property:
SEE EXHIBIT“A” ATTACHED
HERETO AND MADE A PART
HEREOF
The debt secured by said
Security Deed has been and is
hereby declared due because
of, among other possible events
of default, failure to pay the
indebtedness as and when due
and in the manner provided in
the Note and Security Deed.
The debt remaining in default,
this sale will be made for the
purpose of paying the same
and all expenses of this sale, as
provided in Security Deed and
by law, including attorney’s fees
(notice of intent to collect attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full
authority to negotiate, amend,
and modify all terms of the
mortgage with the debtor is:
HSBC Consumer Lending
Mortgage Serv., 961 Weigel
Drive, Elmhurst, IL 60126, 800-
222-4293. Please understand
that the secured creditor is not
required by law to negotiate,
amend, or modify the terms of
the mortgage instrument.
To the best knowledge and
belief of the undersigned, the
party in possession of the
property is Tommy Varner aka
Thomas O’Neal Varner or a
tenant or tenants and said
property is more commonly
known as 336 Northview Dr.,
Commerce, Georgia 30529.
The sale will be conducted sub
ject (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.
Beneficial Mortgage Co. of
Georgia as Attorney in Fact
for Barbara Varner and Tommy
Varner
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/ho 4/6/10
Our file no. 5412310-FT8
EXHIBIT “A”
All that tract or parcel of
land lying and being in the City
of Commerce 255TE District
G.M. Jackson County Georgia
consisting of 1.38 acres more
or less as shown on a plat
of survey dated May 1 1987
for Thomas and Kathy F
Varner prepared by Venable
& Associates Inc, registered
Surveyors as recorded in Plat
Book 27, Page 68, Jackson
County Georgia Records. Said
plat by reference thereto is
herby incorporated herein for
a more detailed description of
said property. Said property
is more particularly described
according to said plat as fol
lows beginning at an iron pin
found the Southerly right of
way of Northview Drive 267
feet Northerly from the center-
line of Hospital Road thence
South 54 degrees 43 minutes
West 114.26 feet to an iron
pin thence South 54 degrees
21 minutes West 124.74 feet
to an iron pin thence South
54 degrees 39 minutes West
50.02 feet to an iron pin thence
North 38 degrees 58 minutes
West 65.17 feet to an iron
pin thence North 40 degrees
19 minutes West 36.12 feet
to an iron pin thence North
39 degrees 33 minutes West
98.68 feet to an iron pin thence
North 44 degrees 53 minutes
East 255.13 feet to an iron pin
thence South 47 degrees 29
minutes East 247.69 feet to the
point of beginning.
MR/ho 4/6/10 Our file no.
5412310 - FT8
(MA10,17,24,31B/12062-70T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Under and by virtue of the
Power of Sale contained in a
Security Deed given by DENNIS
STANCIL, MARY STANCIL and
MATTHEW BRIAN CARLAN
to MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated May 26, 2006,
recorded in Deed Book 44-D,
Page 399, Jackson County,
Georgia Records, as last trans
ferred to BAC Home Loans
Servicing, LP FKA Countrywide
Home Loans Servicing LP by
assignment to be recorded
in the Office of the Clerk of
Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount of
SEVENTY-NINE THOUSAND
SIXTY-EIGHT AND 0/100
DOLLARS ($79,068.00), with
interest thereon as set forth
therein, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 attor
ney’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 assess
ments, liens, encumbrances,
zoning ordinances, restrictions,
covenants, and matters of
record superior to the Security
Deed first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA 93536, (661)
951-5722. Please understand
that the secured creditor is not
required by law to negotiate,
amend, or modify the terms of
the mortgage instrument. To
the best knowledge and belief
of the undersigned, the party
in possession of the property
is Dennis Stancil and Matthew
continued on following page