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PAGE 12A THE BANKS COUNTY NEWS THURSDAY, OCTOBER 30, 2008 he property; any outstanding axes, including but not limited o ad valorem taxes, which ;onstitute liens upon said property; special assessments; all outstanding bills for public jtilities which constitute liens jpon said property; all restric- :ive covenants, easements, ights-of-way and any other natters of record superior to said Security Deed. To the best 3f the knowledge and belief 3f the undersigned, the party n possession of the property s Danny E. Guthrie and Kris Suthrie or tenant(s). Vanderbilt Mortgage and r inance, Inc. as Attorney-in- r act for Danny E. Guthrie and <ris Guthrie Contact: Topping & Associates, LLC 1930 N. Druid Hills Rd., Suite B Atlanta, Georgia 30319 (404) 728-0220 THIS LAW FIRM IS ACTING AS A DEBT COL LECTOR ATTEMPTING rO COLLECT A DEBT. MMY INFORMATION OB- rAINED WILL BE USED FOR THAT PURPOSE. (OC9,16,23,30P4) Notice of Sale Notice of Sale Under Power Georgia, Banks County By virtue of the power of sale sontained in a Deed to Secure Debt by ANTHONY CONNER and VICKIE CONNER to DITIFINANCIAL SERVICES, NC., dated June 5, 2003, and filed for record June 11, 2003, in Deed Book 216, Page 117, Banks County, Georgia Records, and securing a Note n the original principal amount af $70,326.84, there will be sold at a public outcry for cash o the highest bidder before he Courthouse door of Banks Dounty, Georgia, between the egal hours of sale on the first ruesday in November, 2008, ay CitiFinancial Services, Inc. as Attorney-in-Fact for Anthony Donner and Vickie Conner the allowing property to-wit: ALL THAT CERTAIN parcel af land lying and being situated n the County of Banks, State af Georgia, to-wit: ALL THAT DERTAIN tract of land, contain- ng 1.00 acres, more or less, n the 207th District, G.M., of 3anks County, State of Georgia, aounded now or formerly as allows: north by lands of Jim 3rown; east by lands of W.G. 3one; south by road and lands af Homer McDonald; and west ay lands of Weldon Richie. SAID TRACT of land being nore particularly described according to a plat of survey arepared by Eddie A. Borders, Surveyor, on the 3rd of March 1981, which plat is recorded in D lat Book 8, Page 154, of the aublic records of said Banks Dounty, and is by reference ncorporated herein as a part af this description. LESS AND EXCEPT any road right of ways of record. BEING THAT PARCEL of land conveyed o Anthony Conner and wife, i/ickie Conner, as joint tenants with full rights of survivorship : rom Jim Walter Homes, Inc. and William J. Wade, not in his ndividual capacity but solely as Trustee of Mid-State Trust II ay that deed dated 03/11/1995 and recorded 05/10/1995 in Deed Book 96, at Page 533 of he Banks County, GA Public Registry; and by deed from Exie B. Furr to Anthony Conner and Vickie Conner 03/17/1997 and recorded 04/9/1997 in Deed Book 116 at Page 65, aforesaid records. The above described prop- arty is also known as 171 3one Road, Commerce, GA 50529. The indebtedness secured ay said Deed to Secure Debt aaving been declared due and aayable because of default in he payment of the indebted- aess secured thereby, this sale will be made for the purpose af paying the same and all axpenses of sale, including attorney’s fees, if applicable. The property will be sold as he property of the aforesaid grantor subject to the following: all prior restrictive covenants, aasements, rights-of-way, secu- ity deeds, or encumbrances of ecord; all valid zoning ordi- aances; matters which would ae disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assess ments, unpaid bills, charges, and expenses that are a lien against the property whether lue and payable or not yet due and payable. To the best of the under signed’s knowledge and belief, possession of the subject prop erty is held by Anthony Conner and Vickie Conner. Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows: CitiFinancial Services, Inc. Attn: Loss Mitigation Dept. 1111 Northpoint Drive Building 4, Suite 100 Coppell, TX 75062 Telephone number: 1-800- 423-8158 The foregoing notwith standing, nothing in O.C.G.A. § 44-14-162.2 shall be con strued to require CitiFinancial Services, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. CitiFinancial Services, Inc. as Attorney-in-Fact for Anthony Conner and Vickie Conner SHUPING, MORSE & ROSS, LLP By: S. Andrew Shuping, Jr. S. Andrew Shuping, Jr. 6259 Riverdale Road Suite 100 Riverdale, GA 30274-1698 (770) 991-0000 THIS LAW FIRM IS AT TEMPTING TO COLLECT A DEBT. ANY INFORMA TION OBTAINED WILL BE USED FOR THAT PURPOSE. (OC9,16,23,30B/119-70) Notice of Sale Notice of Sale Under Power Georgia, Banks County THIS LAW FIRM IS ACTING AS A DEBT COL LECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OB TAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by CLYDE W. SANDS to SUNTRUST MORTGAGE, INC., dated October 13, 2005, recorded in Deed Book 270, Page 191, Banks County, Georgia Records, conveying the after- described property to secure a Note in the original princi pal amount of SEVENTY-ONE THOUSAND FIVE HUNDRED FIFTY AND 0/100 DOLLARS ($71,550.00), with interest thereon as set forth therein, there will be sold at public out cry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described property: All that tract or parcel of land lying and being in GMD 448, of Banks County, Georgia and being more particularly described as Lot 46, Phase 5 of Apple Pie Ridge, containing 2.745 acres, as depicted on the Plat of survey dated June 10, 2004, and prepared by Eddie G. Davidson, Georgia regis tered land surveyor. Said Plat is of record in Plat Book E, Pages 142-145, in The Office of The Clerk of The Banks County Superior Court. Reference is had and made to said Plat and the record thereof for a full and complete description of Lot 46, Phase 5 as depicted thereon. Also conveyed is a perpetu al, non-exclusive road right of way easement over and across the roadways depicted on the above described plats for the purpose of providing ingress to and egress from said tract or parcel of land with the public road system of Banks County, Georgia. Said tract or parcel of land is hereby conveyed subject to the rights of others to use said roadways. The above described tract or parcel of land is conveyed subject to all covenants, con ditions, restrictions and ease ments for Apple Pie Ridge of record. 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 pro vided 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 attorneys fees (notice of intent to collect attorneys fees having been given). Suntrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to 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 assess ments, 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 prop erty is Clyde W. Sands or a ten ant or tenants and said prop erty is more commonly known as 546 Planters Creek Drive, Baldwin, Georgia 30511. 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. SunTrust Mortgage, Inc. as Attorney in Fact for Clyde W. Sands Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclo- sure_sales.asp MSP/jn2 11/4/08 Our file no. 11599808-FT2 (OC9,16,23,3 OB/12062-70T1P) Notice of Sale Notice of Sale Under Power Georgia, Banks County THIS LAW FIRM IS ACTING AS A DEBT COL LECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OB TAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by JUDY BROOKSHIRE to ALLIANCE FUNDING DIVISION OF SUPERIER BANK FSB, dated February 16, 2000, record ed in Deed Book 153, Page 40, Banks County, Georgia Records, as last transferred to LaSalle Bank National Association (Assignee), former ly known as LaSalle National Bank, in its capacity as inden ture trustee under that certain Sale and Servicing Agreement dated March 1, 2000 among AFC Trust Series 2000-1, as Issuer, Superior Bank FSB by assignment to be record ed in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY THOUSAND AND 0/100 DOLLARS ($70,000.00), 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 Banks County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, the following described prop erty: 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 pro vided 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 attorneys fees (notice of intent to collect attorneys 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: EMC Mortgage Corporation, 800 State Highway 121 Bypass, Lewisville, TX 75067, 1-888- 577-4011. 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 Judy Brookshire or a tenant or tenants and said property is more commonly known as 274 Water Plant Road, Commerce, Georgia 30529. 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. LaSalle Bank National Association (Assignee), former ly known as LaSalle National Bank, in its capacity as inden ture trustee under that certain Sale and Servicing Agreement dated March 1, 2000 among AFC Trust Series 2000-1, as Issuer, Superior Bank FSB as Attorney in Fact for Judy Brookshire McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/gxw 11/4/08 Our file no. 52169908-FT1 EXHIBIT A All that tract or parcel of land lying and being in GMD 465, Banks County, GA known as Lot 6, Unit 1, River Run Estates Subdivision as shown on sur vey recorded in the Clerk’s Office of the Superior Court of Banks Co, GA in Plat Book 13, Page 99. Said plat and the record thereof are herein incor porated for a full and complete legal description. Also included is one 1996 Pioneer Mobile Home I.D. #PH401 GA8428A & #PH401 GA8428B. (OC9,16,23,3 OB/12062-70T1P) Notice of Sale Notice of Sale Under Power Georgia, Banks County THIS LAW FIRM IS ACTING AS A DEBT COL LECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OB TAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by L.J ARMOUR to THE GRANGE BANK, dated April 19, 2004, recorded in Deed Book 236, Page 269, Banks County, Georgia Records, as last transferred to Franklin Bank SSB by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after- described property to secure a Note in the original principal amount of ONE HUNDRED TEN THOUSAND AND 0/100 DOLLARS ($110,000.00), with interest thereon as set forth therein, there will be sold at pub lic outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, 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 pro vided 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 attorneys fees (notice of intent to collect attorneys 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: Countrywide Home Loans, 7105 Corporate Drive, Mail Stop PTX-C-35, Plano, TX 75024, 1-888-219- 7773. 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 prop erty is L.J Armour or a tenant or tenants and said property is more commonly known as 5456 Yonah Homer Rd., Alto, Georgia 30510. 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. Franklin Bank SSB as Attorney in Fact for L.J Armour McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/wa2 11/4/08 Our file no. 5466208-FT4 EXHIBIT A All that tract or parcel of land lying and being in the 912 G.M.D. of Banks County, Georgia, consisting of 0.96 acre, all as more fully shown on plat of survey by Max Lewallen, GA. Reg. No. 2067, dated June 23,1994, recorded in Plat Book 18, Page 232, in the Office of the Clerk of Superior Court of Banks County, Georgia, said plat being referred to and incor porated herein for a more com plete description Tax parcel ID: 69/28 (OC9,16,23,30B/12062-60T1P) Notice of Sale Notice of Sale Under Power Georgia, Banks County THIS LAW FIRM IS ACTING AS A DEBT COL LECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OB TAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given byTOMMY JONES to OPTION ONE MORTGAGE CORPORATION, dated June 10, 2005, record ed in Deed Book 260, Page 459, Banks County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2005-3 Asset-Backed Certificates, Series 2005-3 by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after- described property to secure a Note in the original principal amount of ONE HUNDRED NINETEEN THOUSAND SEVEN HUNDRED AND 0/100 DOLLARS ($119,700.00), with interest thereon as set forth therein, there will be sold at pub lic outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, 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 pro vided 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 attorneys fees (notice of intent to collect attorneys 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: American Home Mortgage Servicing Inc., 3 Ada, Irvine, CA 92618, 877- 304-3100. 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 prop erty is Tommy Jones or a ten ant or tenants and said prop erty is more commonly known as 523 Mountain Creek Dr, Maysville, Georgia 30558. 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, N.A. as Trustee for Option One Mortgage Loan Trust 2005-3 Asset-Backed Certificates, Series 2005-3 as Attorney in Fact for Tommy Jones McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/gxw 11/4/08 Our file no. 5361608-FT1 EXHIBIT A All that tract or parcel of land lying and being in the 465th District, G.M., Banks County, Georgia, and being that 2.05 acres, more or less, designat ed as Lot 31, as more par ticularly shown on a final plat of survey of Mountain Creek Subdivision, prepared by Morrison J. Simms, Registered Surveyor, dated December 12, 1987, recorded in Plat Book A, Page 13, in the Office of the Clerk of the Superior Court of Banks County, Georgia and incorporated herein and made a part hereof by reference for a more detailed description. (OC9,16,23,30B/12062-60T1P) Notice of Sale Notice of Sale Under Power Georgia, Banks County THIS LAW FIRM IS ACTING AS A DEBT COL LECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OB TAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale con tained in a Security Deed given by CHRISTOPHER HUNT and CLAIRE JOSEPHINE KILCOYNE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., dated May 24, 2007, recorded in Deed Book 306, Page 387, Banks County, Georgia Records, as last transferred to CHASE HOME FINANCE by assignment to be recorded in the Office of the Clerk of Superior Court of Banks County, Georgia Records, conveying the after- described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($131,900.00), with interest thereon as set forth therein, there will be sold at pub lic outcry to the highest bidder for cash before the Courthouse door of Banks County, Georgia, within the legal hours of sale on the first Tuesday in November, 2008, 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 pro vided 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 attorneys fees (notice of intent to collect attorneys 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: Cenlar Federal Savings Bank, 425 Phillips Boulevard, Ewing, NJ 08618, (609) 883-3900. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mort gage instrument. To the best knowledge and belief of the undersigned, the party in possession of the prop erty is Christopher Hunt and Claire Josephine Kilcoyne or a tenant or tenants and said property is more commonly known as 131 Ridgeland Drive, Maysville, Georgia continued on following page