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DECEMBER 24,2002 lect attorneyfs 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Matthew L. D. Jones and Cassandra R. Jones or a tenant or tenants and said property is more commonly known as 102 Bessermer Drive, Bonaire, GA 31005. 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. Countrywide Home Loans, Inc. as Attorney in Fact for Matthew L. D. Jones and Cassandra Ft. Jones Daniel D. Phelan, McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 1544 Old Alabama Road, Roswell, Georgia 30076 www.foreclosurehotline.net DDP/tb 1/7/03 Our file no. 52459902-FT4 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-5 12/12 - 1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Steven G. Merritt to Foundation Funding Group, Inc., dated February 15, 2001, recorded in Deed Book 1700, Page 99, Houston County, Georgia Records, as last transferred to Chase Manhattan Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Houston County, Georgia records, conveying the after described property to secure a Note in the original principal amount of EIGHTY-THREE THOUSAND THREE HUNDRED AND 0/100 DOLLARS ($83,300.00), 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 Houston County, Georgia, within the legal hours of sale on the first Tuesday in January, 2003, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A": All that tract or parcel of land lying and being in Land Lot 189 of the 10th District of Houston County, Georgia, being Lot 48, Block "A", Section, No. 2, Phase No. 1, of Pilgrim Rest Subdivision according to plat recorded in Plat Book 43, Page 104, Clerk's Office, Houston County, Superior Court. Said plat and the record thereof are incorporated herein by reference for all purposes. 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Steven G. Merritt or a tenant or tenants and said proper ty is more commonly known as 211 Crakston Court, Bonaire, GA 31005. 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. Chase Manhattan Mortgage Corporation as Attorney in Fact tor Steven G. Merritt Daniel D. Phelan, McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 1544 Old Alabama Road, Roswell, Georgia 30076 www.toreclosurehotline.net DDP/sad 1/7/03 Our file no. 52559902-FT3 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO dOLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-6 12/12 - 1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Jerry Brown and Debbie Brown to J.D. Abrams dated February 5, 1992, recorded in Deed Book 950, Page 427, and recorded in the Office of the Clerk of Superior Court of Houston County, Georgia Records, conveying the after-described property to secure a Note in the original princi pal amount of FOURTEEN THOU SAND FOUR HUNDRED NINETY THREE AND 87/100 DOLLARS ($14,493.87), 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 Houston County, Georgia, within the legal hours of sale on the first Tuesday in January 2003, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A”: All that tract or parcel of land lying and being in the Land Lot 18 of the 14th Land District of Houston County, Georgia, containing 1.05 Acres, known and designated as Parcel "B" as shown on a plat of survey for Roger Williams prepared by Richard L. Jones, Surveyor, dated September 12, 1983, a copy of which is recorded in Map Book 26, Page 60, Clerk's Office, Houston Superior Court. Said plat and the recorded copy there of are hereby made a part of this description by reference thereto. 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Jerry Brown and Debbie Brown or a tenant or tenants and said property is more commonly know as 2339 Marshallville Road, Perry, GA 31069. 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. J.D. Abrams as Attorney in Fact for Jerry Brown and Debbie Brown Steven Harrell, Attorney at Law, PO Box 1343, Perry, GA 31069 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-10 12/12-1/2 NOTICE OF SALE Because of default in payment of indebtedness secured by a deed to secure debt executed by JERRY F. DODD to CB&T BANK OF MIDDLE GEORGIA, dated June 28, 1999 and recorded in Deed Book 1463, page 269, Clerkis Office, Houston Superior Court, the undersigned GB&T BANK OF MIDDLE GEORGIA, pursuant to the power of sale contained in said security deed, will, on the first Tuesday in January, 2003, during the legal hours of sale, at the courthouse door in Perry, Houston County, Georgia, sell at public outcry to the highest and best 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 119 of the Tenth Land District of Houston County, Georgia, and being known and desig nated as Parcel A-2 containing 2.353. acres and having such shapes, metes, bounds and courses as are shown on plat of survey prepared by Richard L. Jones, Registered Land Surveyor No. 1591, said plat of survey dated January 10,1983, and recorded in Plat Book 25, page 150, Clerkis Office, Houston Superior Court. Said plat of survey and the recorded copy thereof are hereby made a part of this descrip tion by reference thereto for all purpos es. This is the same property as that conveyed by Warranty Deed from Mary Ollie Terry Acres to Steven L. Peavy and Laura R. Peavy of record in Deed Book 623, page 562, Clerkis Office, Houston Superior Court. Also conveyed in this conveyance, being a part of the real estate above described, is one Peachtree double wide mobile home. Said property is known as 330 Lake Joy Road, Perry, GA 31069 Said property will be sold subject to all easements, restrictions and the out standing ad valorem taxes and/or assessments, if any. To the best of the undersigned's knowledge and belief, JERRY F. DODD is in possession of the property. A deed will be made by the under signed to the purchaser at said sale. The proceeds of said sale will be applied as provided in said deed to secure debt. CB&T BANK OF MIDDLE GEORGIA as Attorney in fact for JERRY F. DODD DANIEL, LAWSON, TUGGLE & JERLES, LLP, POST OFFICE BOX 89, PERRY, GEORGIA 31069 (478) 987-2622 12-12 12/12-1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Deborah L. Hoffman and Maarten S. Hoffman to Nationsßanc Mortgage Corporation, dated February 2, 1998, recorded in Deed Book 1333, Page 125, Houston County, Georgia Records, conveying the after described property to secure a Note in the original principal amount of SEV ENTY THOUSAND FOUR HUNDRED THIRTY-TWO AND 0/100 DOLLARS ($70,432.00), 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 Houston County, Georgia, within the legal hours of sale on the first Tuesday Ullje pLousitfri jMmtte journal in January, 2003, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A": All that tract or parcel of land lying and being in Land Lot 90 of the Fifth Land District of Houston County, Georgia, being known and designated as Lot 3, Block "B", Quail Meadow Subdivision, according to a plat of survey of record in Plat Book 35, page 6, clerk's office, Houston Superior Court. Said plat and the record thereof are incorporated herein by reference for all purposes. 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Deborah L. Hoffman and Maarten S. Hoffman or a tenant or tenants and said property is more commonly known as 105 Athena Terrace, Warner Robins, GA 31088. 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. BA Mortgage LLC sbm Nationsßanc Mortgage Corporation as Attorney in Fact for Deborah L. Hoffman and Maarten S. Hoffman Daniel D. Phelan, McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 1544 Old Alabama Road, Roswell, Georgia 30076 www.foreclosurehotllne.net DDP/mjd 1/7/03 Our file no. 5649200-FT2 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE 12-14 12/12 - 1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Mark Burdick to ABN Amro Mortgage Group, Inc., dated April 16, 2002, recorded in Deed Book 2094, . Page 55, Houston County, Georgia Records, conveying the after described property to secure a Note in the original principal amount of SEV ENTY-EIGHT THOUSAND EIGHT HUNDRED FIFTY AND 0/100 DOL LARS ($78,850.00), 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 Houston County, Georgia, with in the legal hours of sale on the first Tuesday in January, 2003, the follow ing described property: SEE EXHIBIT ''A 1 ' ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A": All that tract or parcel of land lying and being in Land Lot 55 of the 10th Land District, Houston County, Georgia, being known as Lot 9, Block C, Section 2, Phase 1, of Highland Ranch Subdivision, accord ing to a plat of survey recorded in Plat Book 57, Page 196, in the Office of the Clerk of Superior, Houston County, Georgia. Said plat and the recorded copy thereof is by reference, incorpo rated herein for a more complete and accurate description..pa 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Mark Burdick or a tenant or tenants and said property is more commonly known as 9c2 Highlands Ranch, Perry, GA 31069. 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. ABN Amro Mortgage Group, Inc. as Attorney in Fact for Mark Burdick Daniel D. Phelan, McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 1544 Old Alabama Road, Roswell, Georgia 30076 www.foreclosurehotline.net DDP/anc 1/7/03 Our file no. 52585602-FT7 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-16 12/12-1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Melody O. Haynes to Aames Funding Corporation, a California Corporation, dba Aames Home Loan, dated December 20, 2000, recorded in Deed Book 1654, Page 185, Houston County, Georgia Records, as last transferred to Credit -Based Asset Servicing and Securitization LLC by assignment to be recorded in the Office of the Clerk of Superior Court of Houston County, Georgia Records, conveying the after-described property to secure a Note in the original princi pal amount of SIXTY THOUSAND AND 0/100 DOLLARS ($60,000.00), with interest thereon as set forth there in, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Houston County, Georgia, within the legal hours of sale on the first Tuesday in January, 2003, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A": All that tract or parcel of land lying and being in Land Lot 199 of the Fifth Land District of Houston County, Georgia, being known and designated as Lot 8, Block "D", Ignico Park Subdivision, according to a plat of survey of record in Plat Book 2, Page 440, Clerk's Office, Houston Superior Court. Said plat and the record thereof are incorporated herein by reference for all purposes. Also, included in the above described conveyance is that certain driveway easement for ingress and egress which encroaches across the Southwest boundary of Lot 8, 5.9 feet onto the Southeast portion of Lot 7. Said easement and agreement is more particularly described in an instrument dated August 31, 1977, from Lenny C. Hartley to Carol S. Geidenhagen, recorded in Deed Book 507, Page 457, Clerk's Office, Houston Superior Court. 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, covenants, arid mattersof record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in posses sion of the property is Melody O. Haynes or a tenant or tenants and said property is more commonly known as 287 Peachtree Circle, Warner Robins, GA 31088. 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. Credit-Based Asset Servicing and Securitization LLC as Attorney in Fact for ’ Melody 0. Haynes Daniel D. Phelan, McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 1544 Old Alabama Road, Roswell, Georgia 30076 www.foreclosurehotline.net DDP/tas 1/7/03 Our file no. 525602-FT9 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-17 12/12 - 1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Rita H. Staylor aka Rita H. Hall to Bank of America, N.A., dated November 1, 1999, recorded in Deed Book 1496, Page 78, Houston County, Georgia Records, conveying the after described property to secure a Note in the original principal amount of NINE TY-ONE THOUSAND SIX HUNDRED EIGHTY-TWO AND 50/100 DOLLARS ($91,682.50), 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 Houston County, Georgia, within the legal hours of sale on the first Tuesday in January, 2003, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A": All that tract or parcel of land situate, lying and being in Land Lot 168, Fifth Land District, Houston County, Georgia, being known and designated as Lot 2, Block F, Section No. 14 Shirley Hill Estates Subdivision, according to a plat of survey prepared by Waddle Sun/eying Co., Inc., dated April 18, 1972, and recorded in Map Book 15, Page 127, Clerk's Office, Houston Superior Court. 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Rita H. Staylor aka Rita H. Hall or a tenant or tenants and said property is more commonly known as 302 Donna Drive, Warner Robins, GA 31088. 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. Bank of America, N.A. as Attorney in Fact for Rita H. Staylor aka Rita H. Hall Daniel D. Phelan, McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 1544 Old Alabama Road, Roswell, Georgia 30076 www.foreclosurehotline.net DDP/adh 1/7/03 Our file no. 52534102-FT7 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-18 12/12 - 1/2 NOTICE OF SALE UNDER POWER STATE OF GEORGIA, COUNTY OF HOUSTON BRITT, JAMES E. VA LH-652980-GA GNMA 0008564432 652980 Because of a default in the payment of the indebtedness secured by a Security Deed executed by James Everett Britt to Accubanc Mortgage Corporation dated May 10, 1996, and recorded in Deed Book 1213, Page 133, HOUSTON County Records, said Security Deed having been last sold, assigned, transfered and conveyed to Mortgage Electronic Registration Systems, Inc., by assignment dated November 30, 1998, and recorded in Deed Book 1427, Page 585, aforesaid records, securing a Note in the original principal amount of $129,900.00, 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 con tained in said Deed, will on the first Tuesday, January 7, 2003, 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 situate, lying and being in Land Lot 196 of the Tenth Land District of Houston County, Georgia, being known and designated as Lot 5, Block "B", Section No. 2, Phase No. 1, Peachtree Estates Subdivision, according to a plat of sur vey of said subdivision prepared by Scarborough Land Surveys dated June 25, 1993 and being of record in Plat Book 44, Page 52, dated June 25, 1993 and being of record in Plat Book 44, Page 52, Clerk's Office, Houston Superior Court. Said plat and the recorded copy thereof are incorporated herein by reference for all purposes. Said property is known as 123 Peachtree Boulevard , Bonaire, GA 31005, together with all fixtures and personal property attached to and con stituting 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 assess ments, 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 James Everett Britt, the property, to the best information, knowledge and belief of the under signed, being presently in the posses sion of James Everett Britt, and the proceeds of said sale will be applied to the payment of said indebtedness and all the 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. Mortgage Electronic Registration Systems, Inc. as Attomey-in-Fact for James Everett Britt File no. 02-4633 L. J. SWERTFEGER, JR., SHAPIRO & SWERTFEGER 1 , Attorneys and Counselors at Law, 3300 Northeast Expressway-Suite 5-C, Atlanta, Georgia 30341-3941 (770)220- 2730/HG www.swertfeger.net •THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMA TION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS] 12-19 ? NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY By virtue of a Power of Sale con tained in that certain Security Deed from Bobby L. Baxley and April R. Baxley to CitiFinancial Services, Inc., dated December 10, 2001, recorded in Deed Book 1950, Page 71, Houston County, Georgia Records, said Security Deed having been given to secure a Note of even date in the orig inal principal amount of SIXTY-TWO THOUSAND TWO HUNDRED SEV ENTY-NINE AND 32/100 DOLLARS ($ 62,279.32) with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Houston County, Georgia, within the legal hours of sale on the first Tuesday in January 2003 the following described property: All that tract or parcel of land situate, lying and being in Land Lot 135 of the tenth Land District, Houston County, Georgia; known and designated as Lot 1, comprising 2.077 acres. According to a plat of survey prepared by Jones Surveying Company, dated July 2, 1988, entitled "Subdivision for D.C. Heath", a copy of which is of record in Map Book 30, Page 196, Clerk's Office, Houston Superior Court, said plat and the recorded copy thereof are hereby made a part of this description by reference thereto for all purposes. By Fee Simple Deed from First Family Financial Services of Georgia, Inc., as set forth in Deed Book 1458, Page 384, dated 5/27/1999 and recorded 6/8/1999, Houston County Records, State of Georgia. Said property is commonly known as 122 Heard Road, Kathleen, GA 31047 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, includ ing attorney's fees and all other pay ments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any out standing taxes, including but not limit - ed to ad valorem taxes, which consti tute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record supe rior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Bobby L. Baxley and April R. Baxley or tenant(s). CITIFINANCIAL SERVICES, INC. as Attorney in Fact for BOBBY L. BAXLEY AND APRIL R. BAXLEY Contact: Amanda Adams (ext. 398), Morris, Schneider & Prior, L.L.C, 3300 N.E. Expressway-Suite 88, Atlanta, Georgia 30341 (770) 234-9181 MSP File No. 601.0211727\ADA Ad Run Dates: 12/12/2002, 12/19/2002, 12/24/2002 and 1/2/2003 Web Site: www.foreclosures.msplaw.com THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFOR MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12-21 12/12 - 1/2 NOTICE OF SALE UNDER POWER GEORGIA, HOUSTON COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Steven Michael McKay and Allison Lindsey McKay to Premier Lending Corporation, dated September 20,1999, recorded in Deed Book 1483, Page 465, Houston County, Georgia Records, as last transferred to Countrywide Home Loans, Inc. by assignment recorded in Deed Book 1497, Page 731, Houston County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FOUR THOU SAND TWO HUNDRED SIXTY-NINE AND 0/100 DOLLARS ($104,269.00), with interest thereon as set forth there in, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Houston County, Georgia, within the legal hours of sale on the first Tuesday in January, 2003, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT "A": All that tract or parcel of land lying and being in Land Lot 87 of the Fifth Land District of Houston County, Georgia, being known and designated as Lot 23, Block "A", Unit V, Hyde Park Subdivision, according to a survey prepared by Waddle & Company, dated November 10, 1998, a copy of which is of record in Plat Book 53, Page 110, Clerk's Office, Houston Superior Court. Said plat and the recorded copy thereof are incorpo rated herein by reference thereto for all purposes. 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 col lect 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 accu rate survey and inspection of the prop erty, any assessments, liens, encum brances, zoning ordinances, restric tions, 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 posses sion of the property is Steven McKay PAGE 5B