NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Tresanna D. Moody to Wells Fargo Bank, NA, dated October 5, 2006, recorded in Deed Book 47161, Page 20, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-FIVE THOUSAND FOUR HUNDRED EIGHTY-THREE AND 0/100 DOLLARS ($165,483.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 69 of the 5th District of Gwinnett County, Georgia; and being Lot 15, Block B, Summit View, as per plat recorded in Plat Book 49, Page 272, Gwinnett County, Georgia records; said plat being incorporated herein and made a part hereof by reference.

Parcel ID R5069-059 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Tresanna D. Moody or a tenant or tenants and said property is more commonly known as 1690 Summit View Way, Snellville, Georgia 30078. 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 Tresanna D. Moody McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/car 1/6/09 Our file no. 52650408-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598880,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, Gwinnett COUNTY By virtue of a Power of Sale contained in that certain Security Deed from Myrtle Moore to InterBay Funding, LLC, dated May 14, 2004, recorded in Deed Book 38696, Page 108, Gwinnett County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of THREE HUNDRED THIRTY THOUSAND AND 00/100 DOLLARS ($330,000.00) with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Bayview Loan Servicing, LLC there will be sold at public outcry to the highest bidder for cash before the courthouse door of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January 2009 the following described property: All that tract or parcel of land lying and being in Gwinnett County, Georgia, being more particularly described as follows: Commencing at a point on the Southerly Right-of-Way of Killian Hill Road (100' Right-of-Way) with the intersection of the land lot line common to Land Lots 90 and 91, also being the Westerly land lot line of Land Lot 90; thence Easterly along said Right-of-Way 319.00 feet to an iron pin found; thence South 03 degree 57'00 East, a distance of 10.12 feet to a point, said point being the True Point Of Beginning of the tract of land herein described; thence continuing along the curvature of said Right-of-Way an arc distance of 127.57 feet, said arc being subtended by a chord having a bearing of South 88 degrees 47' 36" East and distance of 127.37 feet to an iron pin found; thence South 00 degrees 14' 57" West 421.54 feet to an iron pin found; thence North 73 degrees 25' 00" West, 102.50 feet to an iron pin found; thence North 03 degrees 57' 00" West, 395.90 feet to a point on the Southerly Right-of-Way of Killian Hill Road, said point being the True Point Of Beginning of the tract of land described and containing 1.09 acres. Less & Except property described in Right of Way Deed in Favor of Gwinnett County, dated February 11, 1988, recorded in Deed Book 4851, Page 285, Gwinnett County Records. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorney's fees and all other payments 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 outstanding taxes, including but not limited to ad valorem taxes, which constitute 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 superior to said Security Deed. To the best knowledge and belief of the undersigned, the party in possession of the property is Myrtle Moore or a tenant or tenants, and said property is more commonly known as 917 Killian Hill Rd SW, Lilburn, GA 30047. 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 Bayview Loan Servicing, LLC as Attorney in Fact for Myrtle Moore Contact: Crystal Trahan THE CALLINS LAW FIRM, LLC 101 Marietta Street, Suite 1030 Atlanta ,GA 30303 (404) 681-5826 File No. F08.03.265 THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Felecia Brooks Foreclosure Paralegal The Callins Law Firm, LLC 101 Marietta Street, Suite 1030 Atlanta, GA 30303 Phone: (404) 681-5826 Fax: (866) 299-4338 fbrooks@callins.com 950-07593995,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Roxanne A. Moore to Mortgage Electronic Registration Systems, Inc. dated December 5, 2005 in the amount of $137,700.00, and recorded in Deed Book 45587, Page 59, Gwinnett County, Georgia Records; as last transferred to The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee for certificateholders of Bear Stearns Asset Backed Securities Trust 2006-SD1, Asset Backed Certificates, Series 2006-SD1 by assignment; the undersigned, The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee for certificateholders of Bear Stearns Asset Backed Securities Trust 2006-SD1, Asset Backed Certificates, Series 2006-SD1 pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett 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 and being in Land Lot 131 of the 7th District, Gwinnett County, Georgia, being Lot 129, Block A, Olde Peachtree Townhomes Subdivision, Phase Two as per plat thereof recorded in Plat Book 100, Page 250; revised at Plat Book 108, Page 202, Gwinnett County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description. which has the property address of 2631 Pierce Brennan Court, Lawrenceville, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Roxanne A. Moore and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee for certificateholders of Bear Stearns Asset Backed Securities Trust 2006-SD1, Asset Backed Certificates, Series 2006-SD1 Attorney in Fact for Roxanne A. Moore Anthony DeMarlo, Attorney/kgrant McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-22257 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598878,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER CONTAINED IN SECURITY DEED STATE OF GEORGIA, COUNTY OF Gwinnett Pursuant to a power of sale contained in a certain security deed executed by Alicia Morales, hereinafter referred to as Grantor, to NetFirst Mortgage.Net.Inc.DBA Eagle Mortgage Services recorded in Deed Book 23108, beginning at page 133 and modified at Deed Book 46662, Page 728, and modified at Deed Book 48260, Page 356, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said security deed, the undersigned attorney-in-fact for the aforesaid Grantor (which attorney-in-fact is the present holder of said security deed and note secured thereby) will sell before the door of the courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in January, 2009, the property which, as of the time of the execution of said security deed, was described as set forth in the attached Exhibit "A". EXHIBIT "A" All that tract or parcel of land lying and being in Land Lot 36 of the 6th District of Gwinnett County, Georgia, being Lot 37, Block C, Quinn Ridge, Unit Seven, per plat recorded in Plat Book 33, Page 98, Gwinnett County, Georgia records, said plat incorporated herein by this reference and made a part hereof for a more complete description. Said sale will be made subject to the following items which may affect the title to said property: All restrictive covenants, easements and rights-of-way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding and/or unpaid taxes which may be liens upon the property; all outstanding or unpaid bills and assessments for street improvements, curbing, garbage, water, sewage and public utilities which may be liens upon said property. Midland Mortgage Co. as loan servicer is the entity with authority to negotiate, amend and modify the terms of the Note and Security Deed. Midland Mortgage Co's address is: 999 Northwest Grand Boulevard, Oklahoma City, Oklahoma 73118. Midland Mortgage Co. may be contacted by telephone at 1-800-552-3000, extension 8301. To the best of the undersigned's knowledge and belief, the party in possession of the property is believed to be Alicia Morales. MidFirst Bank, As Transferee and Assignee, As attorney-in-fact for the aforesaid Grantor Raymond S. Martin Attorney at Law 990 Hammond Drive Suite 800 One Lakeside Commons Atlanta, Georgia 30328 (770) 392-0041 THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599497,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Adriel Morgan to Mortgage Electronic Registration Systems, Inc., dated May 30, 2006, recorded in Deed Book 46665, Page 250, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-SIX THOUSAND FIVE HUNDRED EIGHT AND 0/100 DOLLARS ($166,508.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 339 of the 4th District, Gwinnett County Georgia and being Lot 137, Block A, Ellington Springs, Phase Three, as per plat recorded in plat book 106, pages 113-114, Gwinnett County Georgia Records, which recorded plat is incorporated herein by reference for a more complete description of said property. 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 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 assessments, 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: 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 Adriel Morgan or a tenant or tenants and said property is more commonly known as 4361 Ash Tree Street, Snellville, Georgia 30039. 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. Mortgage Electronic Registration Systems, Inc. as Attorney in Fact for Adriel Morgan McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cm8 1/6/09 Our file no. 52254407-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593758,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Clara Jean Morgan to Mortgage Electronic Registration Systems, Inc ., dated August 16, 2006, recorded in Deed Book 46913, Page 334, Gwinnett County, Georgia Records, as last transferred to Countrywide Home Loans Servicing LP. by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY-NINE THOUSAND THREE HUNDRED SIXTEEN AND 0/100 DOLLARS ($149,316.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 238, 6th District, Gwinnett County, Georgia, being known as Lot 1, Block B, Berkeley Manor Subdivision, Unit I, as per Plat recorded at Plat Book 9, Page 143, Gwinnett County, Georgia records. Said Plat being incorporated herein 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 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 assessments, 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: Countrywide Home Loans, 5401 North Beach Street, MS FWTX-35, Fort Worth, TX 76137, 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 property is Clara Jean Morgan or a tenant or tenants and said property is more commonly known as 4257 Sandington Drive, Duluth, Georgia 30096. 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 Clara Jean Morgan McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/wa2 1/6/09 Our file no. 52630408-FT4 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593757,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by David L. Morris, Jr. to Wells Fargo Bank, N.A., dated March 9, 2007, recorded in Deed Book 47707, Page 294, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FOUR THOUSAND TWO HUNDRED FIFTEEN AND 0/100 DOLLARS ($154,215.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 and Lot 162, 6th District, Gwinnett County, Georgia, being Lot 4, Block D, Wyloway, Unit 2, as per plat recorded in Plat Book 22, Page 164, Gwinnett County records, which plat is hereby referred to and made a part of this description. Being the same property conveyed to David L. Morris, Jr. and Rajeeyah Edmonson by deed from Hilda A. Wright recorded 06/11/2002 in Deed Book 27657 Page 152, in the Office of the Clerk of the Superior Court of Gwinnett 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 Security Deed and by law, including attorneys 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is David L. Morris, Jr. or a tenant or tenants and said property is more commonly known as 848 Wytower Trail, Norcross, Georgia 30093. 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 Attorney in Fact for David L. Morris, Jr. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/car 1/6/09 Our file no. 51265608-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594020,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Christopher Morris to Mortgage Electronic Registration Systems, Inc. , dated September 28, 2006, recorded in Deed Book 47078, Page 173, Gwinnett County, Georgia Records, as last transferred to Deutsche Bank National Trust Company, as Trustee for Morgan Stanley Home Equity Loan Trust, MSHEL 2007-1 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY-SIX THOUSAND AND 0/100 DOLLARS ($96,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 Lots 176 and 183 of the 6th District of Gwinnett County, Georgia, and being Lot 8, Block A, Phase One, Arc Way Forest, f/k/a Buckley Square, Phase Five, as per plat recorded in Plat Book 48, Page 48, Gwinnett County, Georgia records, to which plat reference is hereby made for the purpose of incorporating herein. 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 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 assessments, 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: Saxon Mortgage Services, Inc., 4709 Mercantile Drive North, Fort Worth, TX 76137, 888-325-3502. 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 Christopher Morris or a tenant or tenants and said property is more commonly known as 4057 Heritage Valley Ct, Norcross, Georgia 30093. 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. Deutsche Bank National Trust Company, as Trustee for Morgan Stanley Home Equity Loan Trust, MSHEL 2007-1 as Attorney in Fact for Christopher Morris McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cm8 1/6/09 Our file no. 52627608-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593765,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Rhondel P. Morris and Brent C. Morris to Mortgage Electronic Registration Systems, Inc., dated July 11, 2003, recorded in Deed Book 33874, Page 137, Gwinnett County, Georgia Records, as last transferred to Bank of America, National Association as successor by merger to LaSalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities Trust 2005-4, Asset-Backed Certificates, Series 2005-4 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-EIGHT THOUSAND THREE HUNDRED FIFTY AND 0/100 DOLLARS ($128,350.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 40 of the 6th District, Gwinnett County, Georgia, being Lot 2, Block A of the Landings Subdivision, Unit One, as per plat recorded in Plat Book 9, Page 76, Gwinnett County, Georgia Records, which plat is incorporated herein by reference and made a pan 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 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 assessments, 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: 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 Rhondel P. Morris and Brent C. Morris or a tenant or tenants and said property is more commonly known as 5336 Cumberland Way, Stone Mountain, Georgia 30087. 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, National Association as successor by merger to LaSalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities Trust 2005-4, Asset-Backed Certificates, Series 2005-4 as Attorney in Fact for Rhondel P. Morris and Brent C. Morris McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/gxw 1/6/09 Our file no. 5320408-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594178,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT 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 Dennis Morris and Lezley Mills to Mortgage Electronic Registration Systems, Inc., dated November 8, 2006, recorded in Deed Book 47300, Page 0271, Gwinnett County, Georgia, as last transferred to HSBC Bank USA, National Association, as Trustee, for the registered holders of Nomura Home Equity Home Loan, Inc. Asset-Backed Certificates, Series 2007-2 by assignment to be recorded at Gwinnett County, Georgia records conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-NINE THOUSAND SIX HUNDRED DOLLARS ($189,600.00); 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January 2009 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 21, 5TH DISTRICT, GWINNETT COUNTY, GA, BEING LOT 22, BLOCK A, ROSE HILL PLACE SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 60, PAGE 137, GWINNETT COUNTY, GA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Ocwen Loan Servicing LLC, 12650 Ingenuity Drive, Orlando, FL 32826, 877-596-8580. 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 Morris and Lezley Mills or a tenant or tenants and said property is more commonly known as 675 Rosehill Lane, Lawrenceville, GA 30044 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. HSBC Bank USA, National Association, as Trustee, for the registered holders of Nomura Home Equity Home Loan, Inc. Asset-Backed Certificates, Series 2007-2 as Attorney in Fact for Dennis Morris and Lezley Mills McCalla Raymer, LLC Attn: Ocwen Team Six Concourse Parkway, Suite 3200 Atlanta, GA 30328 950-06599516,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Madeleine R. Morris to First Atlantic Mortgage, L.L.C dated February 14, 2001 in the amount of $138,550.00, and recorded in Deed Book 22341, Page 0261, Gwinnett County, Georgia Records; as last transferred to Sovereign Bank by assignment; the undersigned, Sovereign Bank pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 104 of the 6th District of Gwinnett County, Georgia, being known as Lot 13, Block E, Unit Two or the Foxmoor Subdivision, according to plat recorded at Plat Book 4, Page 193, Gwinnett County Records, which plat is incorporated herein and made a part hereof, being improved property known as 615 Deer Run, Lilburn, Georgia 30047; and being the same property conveyed to Madeleine, R. Morris by Warranty Deed dated December 22, 1999, recorded at Deed Book 200136, Page 95; Gwinnett County Records. which has the property address of 615 Deer Run, Lilburn, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Madeleine R. Morris and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Sovereign Bank Attorney in Fact for Madeleine R. Morris Anthony DeMarlo, Attorney/efisher McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-27853 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594247,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY By virtue of the power of sale contained in a Security Deed from Paula Morris and Moura Ottinot to United Service Financial Corporation dated August 25, 2003, recorded in Deed Book 37245, Page 120, Gwinnett County Records, and last assigned to U.S. Bank National Association, as Trustee, successor in Interest to Wachovia Bank, N.A. as Trustee, for Chase Funding Mortgage Loan Asset-Backed Certificates, Series 2003-5, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THREE THOUSAND SEVEN HUNDRED AND 00/100 ($103,700.00), 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 Gwinnett County, Georgia, during the legal hours of sale on the first Tuesday, January 6, 2009 the following described property, to wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 47 OF THE 6TH DISTRICT OF GWINNETT COUNTY, GEORGIA, BEING LOT 25, BLOCK G, PHASE 4A, VALLEY BROOK SUBDIVISION, AS PER PLAT BY JAMES WILLIAM DICKSON, LAND SURVEYOR, RECORDED JUNE 30, 1975, IN PLAT BOOK 3, PAGE 175, GWINNETT COUNTY RECORDS, WHICH PLAT IS MADE A PART OF THIS DESCRIPTION BY REFERENCE THERETO; AND BEING IMPROVED PROPERTY KNOWN AS 3818 VALLEY BROOK ROAD, SNELLVILLE, GEORGIA. 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 attorneys fees, notice of intent to collect attorneys 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 Paula Morris and Moura Ottinot or, a tenant or tenants, and said property was or is commonly known as 3818 Valley Brook Road, Snellville, GA 30039. 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, N.A. as Trustee, for Chase Funding Mortgage Loan Asset-Backed Certificates, Series 2003-5 As Attorney in Fact for Paula Morris and Moura Ottinot Martin & Brunavs 2800 North Druid Hills Rd. Building B, Suite 100 Atlanta, GA 30329 (404) 982-0088 M&B File No.: 08-7471 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593970,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Tyrone Morsello to Mortgage Electronic Registration Systems, Inc. dated August 5, 2004 in the amount of $175,750.00, and recorded in Deed Book 39477, Page 259, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc . by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 130, of the 7th District, Gwinnett County, Georgia, being Lot 5, Block A, Whitlock Farm Subdivision, as per the Plat recorded in Plat Book 36, Page 141, Gwinnett County records, which Plat is incorporated herein by reference and made a part hereof. A/K/A 663 Laufin Ct., Lawrenceville, GA 30043 which has the property address of 663 Laufin Court, Lawrenceville, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Tyrone Morsello and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Tyrone Morsello Anthony DeMarlo, Attorney/kgrant McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-27174 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599003,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Casey J. Moses to Mortgage Electronic Registration Systems, Inc. dated September 29, 2004 in the amount of $103,950.00, and recorded in Deed Book 40298, Page 2, Gwinnett County, Georgia Records; as last transferred to The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, as Trustee by assignment; the undersigned, The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, as Trustee pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 304 of the 7th District, Gwinnett County, Georgia and being Lot 31, Block A, Hillcrest Townhomes Subdivision, as per plat thereof recorded in Plat Book 105, Pages 82-83, Gwinnett County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. which has the property address of 1525 Paramount View Trace, Sugar Hill, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Casey J. Moses and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, as Trustee Attorney in Fact for Casey J. Moses Anthony DeMarlo, Attorney/kgrant McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-27473 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594150,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT 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 Shoua Moua and Paj Tshiab Lo to Mortgage Electronic Registration Systems, Inc. , dated June 22, 2005, recorded in Deed Book 43517, Page 14, Gwinnett County, Georgia, as last transferred to HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2005-ASAP1, Asset Backed Pass-Through Certificates by assignment to be recorded in the Gwinnett County, Georgia records conveying the after-described property to secure a Note in the original principal amount of One Hundred Ninety-Five Thousand Four Hundred Eighty and 00/100 DOLLARS ($195,480.00); 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January 2009 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 2 OF THE 2ND DISTRICT, GWINNETT COUNTY, GEORGIA, BEING LOT 27, BLOCK A, MINERAL SPRINGS CROSSING, UNIT ONE, AS PER PLAT RECORDED IN PLAT BOOK 100, PAGE 70, GWINNETT COUNTY RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Ocwen Loan Servicing LLC, 12650 Ingenuity Drive, Orlando, FL 32826, 877-596-8580. 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 Shoua Moua and Paj Tshiab Lo or a tenant or tenants and said property is more commonly known as 4060 Triton Ives Drive, Auburn, GA 30011 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. HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2005-ASAP1, Asset Backed Pass-Through Certificates as Attorney in Fact for Shoua Moua and Paj Tshiab Lo McCalla Raymer, LLC Attn: Ocwen Team Six Concourse Parkway, Suite 3200 Atlanta, GA 30328 RKP/11/12/2008 950-07594298,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT 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 Alicia Mowatt to Mortgage Electronic Registration Systems, Inc., dated December 16, 2004, recorded in Deed Book 41304, Page 80, Gwinnett County, Georgia, as last transferred to HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2005-HE2, Asset Backed Pass-Through Certificates by assignment to be recorded at Gwinnett County, Georgia records conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-SEVEN THOUSAND, SIX HUNDRED AND 00/100 DOLLARS ($157,600.00); 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January 2009 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 34 OF THE 6TH DISTRICT, OF GWINNETT COUNTY, GEORGIA, AND BEING LOT 57, BLOCK A OF THE PRESERVE AT PARKWOOD, AS PER PLAT RECORDED IN PLAT BOOK 98, PAGE 52 OF GWINNETT COUNTY. GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Ocwen Loan Servicing LLC, 12650 Ingenuity Drive, Orlando, FL 32826, 877-596-8580. 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 Alicia Mowatt or a tenant or tenants and said property is more commonly known as 3072 Rusticwood Court, Snellville, GA 30078. 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. HSBC Bank USA, N.A., as Trustee for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2005-HE2, Asset Backed Pass-Through Certificates as Attorney in Fact for Alicia Mowatt McCalla Raymer, LLC Attn: Ocwen Team Six Concourse Parkway, Suite 3200 Atlanta, GA 30328 VIP 11/12/2008 950-07594299,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Kirk F. Mueller and Denise Mueller to Mortgage Electronic Registration Systems, Inc. as nominee for Suntrust Mortgage, Inc. dba BancMortgage, dated August 25, 2005, recorded in Deed Book 44505, Page 263, Gwinnett County, Georgia Records, as last transferred to Suntrust Bank by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED FIVE THOUSAND SIX HUNDRED AND 0/100 DOLLARS ($305,600.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 19 of the 7th District, Gwinnett County, Georgia, Being Lot 43, Block A, Appalachee River Club, Phase Three-B, as per Plat recorded in Plat Book 79, Pages 279-280, Gwinnett County records, said Plat being incorporated herein 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 collect attorney's 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 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 Kirk F. Mueller and Denise Mueller or a tenant or tenants and said property is more commonly known as 2753 Misty Rock Cove, Dacula, Georgia 30019. 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 Bank as Attorney in Fact for Kirk F. Mueller and Denise Mueller Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/cn 1/6/09 Our file no. 11771508-FT2 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599030,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Martin Muller to Mortgage Electronic Registration Systems, Inc., dated October 14, 2005, recorded in Deed Book 45008, Page 193, Gwinnett County, Georgia Records, as last transferred to U.S. Bank National Association, not in its individual capacity, but solely as trustee on behalf of GSAA Home Equity Trust 2006-6 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY-EIGHT THOUSAND SEVEN HUNDRED AND 0/100 DOLLARS ($98,700.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 18 of the 6th District of Gwinnett County, Georgia, being Lot 78, Block C of Centerville-North Subdivision, Unit Two, as per plat recorded in Plat Book 3, Page 240 of Gwinnett County records, which plat is incorporated herein and made a part hereof by reference. Being improved property known as 3442 Chesterfield Court, Snellville, Georgia 30039 according the present system of numbering houses in Gwinnett 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 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: American Home Mortgage Servicing Inc., 6501 Irvine Center Drive, 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 property is Martin Muller or a tenant or tenants and said property is more commonly known as 3442 Chesterfield Ct, Snellville, Georgia 30039. 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, not in its individual capacity, but solely as trustee on behalf of GSAA Home Equity Trust 2006-6 as Attorney in Fact for Martin Muller McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cm8 1/6/09 Our file no. 52620508-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598706,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Darleine Muller to , dated April 24, 2006, recorded in Deed Book 46435, Page 613, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-TWO THOUSAND EIGHT HUNDRED NINETY-SIX AND 0/100 DOLLARS ($182,896.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 233 of the 5th District, Gwinnett County, Georgia, being Lot 146, Block A, Bramlett Station, Unit One, as per Plat recorded in Plat Book 111, Pages 130-131, Gwinnett County, Georgia records, said Plat being incorporated herein and made reference hereto. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Litton Loan Servicing, LP., 4828 Loop Central Drive, Houston, TX 77081, 1-800-807-3590. 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 Darleine Muller or a tenant or tenants and said property is more commonly known as 1273 Melrose Woods Ln, Lawrenceville, Georgia 30045. 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. as Attorney in Fact for Darleine Muller McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/vb1 1/6/09 Our file no. 52646708-FT12 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598892,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Latrece Mullins to Mortgage Electronic Registration Systems, Inc. dated March 4, 2005 in the amount of $216,144.00, and recorded in Deed Book 41951, Page 50, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 3 of the 2nd District, Gwinnett County, Georgia, being lot 19, Block D, Brookside Crossing Subdivision, Unit 1, Phase 1, as per plat recorded at Plat Book 105, Pages 228-231, Gwinnett County, Georgia Records, which plat is incorporated herein by this reference and made a part hereof. which has the property address of 1131 Rock Elm Drive, Auburn, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Latrece Mullins and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Latrece Mullins Anthony DeMarlo, Attorney/efisher McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-21886 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599625,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY By virtue of a Power of Sale contained in that certain Security Deed from Angel Munoz and Dora Munoz to Mortgage Electronic Registration Systems, Inc. , acting solely as nominee for Global Mortgage Group, Inc., dated May 8, 2006, recorded June 19, 2006, in Deed Book 46636, Page 0180, Gwinnett County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Forty-Seven Thousand Two Hundred Fifty and 00/100 dollars ($147,250.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to The Bank Of New York Mellon, As Successor Trustee Under Novastar Mortgage Funding Trust 2006-3, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 172 AND 173 OF THE 6TH DISTRICT, GWINNETT COUNTY, GEORGIA, BEING LOT 18, BLOCK A , GLENN HILLS SUBDIVISION, UNIT TWO AS PER PLAT RECORDED IN PLAT BOOK 26, PAGE 117, GWINNETT COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A PART OF THIS DESCRIPTION. SAID PROPERTY BEING KNOWN AS 989 GLASSGOW DR NW ACCORDING TO THE PRESENT SYSTEM OF NUMBERING HOUSES IN GWINNETT COUNTY, GEORGIA. Said property is commonly known as 989 Glasgow Drive NW, Lilburn, GA 30047. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees and all other payments 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 outstanding taxes, including but not limited to ad valorem taxes, which constitute 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 superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Angel Munoz and Dora Munoz 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 ABOVE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE BANK OF NEW YORK MELLON, AS SUCCESSOR TRUSTEE UNDER NOVASTAR MORTGAGE FUNDING TRUST 2006-3 as Attorney in Fact for ANGEL MUNOZ AND DORA MUNOZ Lender Contact: SAXON, Loss Mitigation Dept., 4708 Mercantile Drive North, Ft. Worth, TX 76137 TELEPHONE NUMBER: 888-325-3502 Attorney Contact: Adorno & Yoss LLC, 3740 Davinci Court, Suite 100, Norcross, GA 30092 TELEPHONE NUMBER: (888) 890-5309 ADORNO FILE NO. 218287.0179 WWW.ADORNO.COM/ATLDOCS/SALES.HTML 950-07593721,12/11,18,25,1/1 Notice of Sale Under Power. State of Georgia, County of GWINNETT. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by OFELIA B. MUTIA to JPMORGAN CHASE BANK, N.A., A NATIONAL BANKING ASSOCIATION , dated 08/15/2007, and Recorded on 08/29/2007 as Book No. 48226 and Page No. 0472, GWINNETT County, Georgia records, as last assigned to CHASE HOME FINANCE, LLC, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $255,526.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the GWINNETT County Courthouse within the legal hours of sale on the first Tuesday in January, 2009, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 25 OF THE 7TH DISTRICT, GWINNETT COUNTY, GEORGIA, BEING LOT 81, BLOCK C, THE HADAWAY SUBDIVISION, UNIT TWO, AS PER PLAT RECORDED IN PLAT BOOK 60, PAGE 295, GWINNETT COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART HEREOF. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CHASE HOME FINANCE, LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43224, 800-446-8939. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 1372 HADAWAY TRL, LAWRENCEVILLE, GEORGIA 30043 is/are: OFELIA B. MUTIA or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; 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 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. CHASE HOME FINANCE, LLC as Attorney in Fact for OFELIA B. MUTIA. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20080073401686 BARRETT, DAFFIN & FRAPPIER, L.L.P. 4004 Beltline, Building 2, Suite 100 Addison, Texas 75001-4417 Telephone: (972) 341-5398. 950-06599162,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Mark S. Myers to Mortgage Electronic Registration Systems, Inc. dated December 21, 2004, and recorded in Deed Book 41150, Page 119, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US Bank National Association, as Trustee for Credit Suisse First Boston CSFB ARMT 2005-4, by Assignment securing a Note in the original principal amount of $161,300.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 132 of the 5th District of Gwinnett County, Georgia, being Lot 36, Block A, Lake Wellbrook Subdivision, as per plat thereof recorded in Plat Book 80, Page 242, Gwinnett County Records, which plat is incorporated herein by reference. Said property is known as 3065 Wellbrook Drive, Loganville, GA 30052, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Mark S. Myers, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Mark S. Myers, 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. US Bank National Association, as Trustee for Credit Suisse First Boston CSFB ARMT 2005-4 as Attorney-in-Fact for Mark S. Myers File no. 08-007386 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599264,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Mark S. Myers to Mortgage Electronic Registration Systems, Inc . dated December 21, 2004, and recorded in Deed Book 41150, Page 77, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US Bank National Association, as Trustee for Credit Suisse First Boston CSFB ARMT 2005-4 , by Assignment securing a Note in the original principal amount of $161,300.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 132 of the 5th District of Gwinnett County, Georgia, being Lot 16, Block B, Lake Wellbrook Subdivision, as per plat thereof recorded in Plat Book 80, Page 242, Gwinnett County Records, which plat is incorporated herein by reference. Said property is known as 3190 Wellbrook Drive, Loganville, GA 30052, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Mark S. Myers, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Mark S. Myers, 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. US Bank National Association, as Trustee for Credit Suisse First Boston CSFB ARMT 2005-4 as Attorney-in-Fact for Mark S. Myers File no. 08-007395 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599258,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Mark Myers to Mortgage Electronic Registration Systems, Inc., dated April 12, 2005, recorded in Deed Book 42393, Page 178, Gwinnett County, Georgia Records, as last transferred to The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-THREE THOUSAND TWO HUNDRED AND 0/100 DOLLARS ($123,200.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 74 of the 5th District, Gwinnett County, Georgia, being Lot 1, Block A, Fairfield Farms Subdivision, Unit Six, as per plat recorded in Plat Book 48, Page 132, Gwinnett County Records, which said plat is incorporated here by this reference and made a part of this description, being improved property. 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 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 assessments, 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: 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 Mark Myers or a tenant or tenants and said property is more commonly known as 1485 Scenic Highway, Loganville, Georgia 30052. 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 Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, N.A., as Trustee as Attorney in Fact for Mark Myers McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/gxw 1/6/09 Our file no. 52728508-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594179,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Mark S Myers to Mortgage Electronic Registration Systems, Inc dated December 21, 2004 in the amount of $161,300.00, and recorded in Deed Book 41149, Page 92, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc . by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 132 of the 5th District of Gwinnett County, Georgia, being Lot 35, Block A, Lake Wellbrook Subdivision, as per plat thereof recorded in Plat Book 80, Page 242, Gwinnett County Records, which plat is incorporated herein by reference. which has the property address of 3075 Wellbrook Drive, Loganville, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Mark S Myers and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Mark S Myers Anthony DeMarlo, Attorney/kgrant McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-25727 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598874,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT 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 Mark S. Myers to Home America Mortgage, Inc., dated December 21, 2004, recorded in Deed Book 41150, Page 0141, Gwinnett County, Georgia, as last transferred to U.S. Bank N.A.,in its capacity as Trustee for the registered holders of Home Equity Mortgage Trust Series 2006-3, Home Equity Mortgage Pass-Through Certificates, Series 2006-3 by assignment to be recorded at Gwinnett County, Georgia records conveying the after-described property to secure a Note in the original principal amount of FORTY THOUSAND THREE HUNDRED AND NO/100 DOLLARS ($40,300.00); 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January 2009 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 132 OF THE 5TH DISTRICT OF GWINNETT COUNTY, GEORGIA, BEING LOT 38, BLOCK A, LAKE WELLBROOK SUBDIVISION, AS PER PLAT THEREOF RECORDED IN PLAT BOOK 80, PAGE 242, GWINNETT COUNTY RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Ocwen Loan Servicing LLC, 12650 Ingenuity Drive, Orlando, FL 32826, 877-596-8580. 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 Mark S. Myers or a tenant or tenants and said property is more commonly known as 3065 Wellbrook Drive, Loganville, GA 30052-7801 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 N.A.,in its capacity as Trustee for the registered holders of Home Equity Mortgage Trust Series 2006-3, Home Equity Mortgage Pass-Through Certificates, Series 2006-3 as Attorney in Fact for Mark S. Myers McCalla Raymer, LLC Attn: Ocwen Team Six Concourse Parkway, Suite 3200 Atlanta, GA 30328 950-07594297,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in that certain Security Deed and Fixture Filing dated April 21, 2006, and recorded at Deed Book 46437, Page 478, Gwinnett County Records (hereinafter, together with all amendments and modifications thereto, the "Security Deed"), executed and delivered by N K HOSPITALITY, L.L.C. ("Grantor") in favor of ZIONS FIRST NATIONAL BANK ("Grantee"), to secure the indebtedness evidenced by that certain Promissory Note dated April 21, 2006, in the original principal amount of $1,795,000 (as at any time amended, modified or restated, the "Note") made by Grantor to Grantee's order, Grantee, as attorney-in-fact for Grantor, will sell at public outcry to the highest bidder for cash on the courthouse steps of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January of 2009 (to-wit: January 6, 2009), the following described property (hereinafter collectively referred to as the "Property"): (a) All those tracts, pieces or parcels of land of which Grantor is now seized situated in Gwinnett County, Georgia, being more particularly described below (hereinafter referred to as the "Real Property"): ALL THAT TRACT or parcel of land lying and being in land lot 169 of the 7th District of Gwinnett County, Georgia, and being more particularly described as follows: TO FIND THE TRUE POINT OF BEGINNING COMMENCE AT A CONCRETE RIGHT-OF-WAY MONUMENT FOUND AT THE SOUTHEASTERN TERMINUS OF A MITER LOCATED AT THE INTERSECTION OF THE NORTHEASTERN LINE OF THE 100 FOOT RIGHT-OF-WAY OF LAWRENCEVILLE-SUWANEE ROAD (a/k/a GEORGIA HIGHWAY 317) AND THE NORTHWESTERN LINE OF THE 80 FOOT RIGHT-OF-WAY OF SAWMILL DRIVE AND RUNNING THENCE FROM SAID POINT OF COMMENCEMENT NORTH 75 DEGREES 28 MINUTES 26 SECONDS WEST A DISTANCE OF 46.26 FEET TO A CONCRETE RIGHT OF WAY MONUMENT LOCATED AT THE NORTHWESTERN TERMINUS OF SAID MITER; THENCE NORTH 21 DEGREES 56 MINUTES 17 SECONDS WEST A DISTANCE OF 199.62 FEET TO A CONCRETE RIGHT OF WAY MONUMENT AT THE TRUE POINT OF BEGINNING; THENCE, FROM SAID POINT OF BEGINNING, CONTINUING ALONG THE NORTHEASTERN RIGHT-OF-WAY LINE OF LAWRENCEVILLE-SUWANEE ROAD ALONG CURVE TO THE LEFT AN ARC DISTANCE OF 321.67 FEET TO AN IRON PIN FOUND (SAID ARC HAVING A RADIUS OF 1687.02 FEET AND BEING SUBTENDED BY A CHORD BEARING NORTH 24 DEGREES 39 MINUTES 14 SECONDS WEST AND HAVING A CHORD DISTANCE OF 321.19 FEET); THENCE LEAVING THE RIGHT-OF-WAY LINE OF LAWRENCEVILLE-SUWANEE ROAD AND RUNNING NORTH 55 DEGREES 17 MINUTES 13 SECONDS EAST A DISTANCE OF 371.47 FEET TO AN IRON PIN FOUND; THENCE SOUTH 34 DEGREES 38 MINUTES 47 SECONDS EAST A DISTANCE OF 132.00 FEET TO AN IRON PIN FOUND; THENCE SOUTH 23 DEGREES 47 MINUTES 49 SECONDS EAST A DISTANCE OF 187.04 FEET TO AN IRON PIN FOUND; THENCE SOUTH 56 DEGREES 57 MINUTES 16 SECONDS WEST A DISTANCE OF 184.51 FEET TO AND IRON PIN FOUND; THENCE SOUTH 32 DEGREES 30 MINUTES 11 SECONDS EAST A DISTANCE OF 12.00 FEET TO A POINT; THENCE SOUTH 56 DEGREES 57 MINUTES 16 SECONDS WEST A DISTANCE OF 207.19 FEET TO A CONCRETE RIGHT-OF-WAY MONUMENT FOUND ON THE NORTHEASTERN RIGHT OF WAY LINE OF LAWRENCEVILLE-SUWANEE ROAD AND THE TRUE POINT OF BEGINNING; SAID PARCEL CONTAINING 121,114 SQUARE FEET (2.787 ACRES) ACCORDING TO PLAT OF SURVEY TITLED "ALTA/ASCM Land Title Survey for N K Hospitality, LLC, U. S Small Business Administration c/o Georgia Certified Development Corporation, Haven Trust Bank and Chicago Title Insurance Company", dated February 3, 2006, last revised April 5, 2006, prepared by A.S. Giometti & Associates, Inc., sealed by A.S. Giometti, Georgia RLS No. 1125, which survey is incorporated herein by this reference for all purposes; being improved property known as Motel 6 Unit #4274 located at 3103 Lawrenceville Suwanee Road, Suwanee, Georgia 30024. Together with all appurtenant easement rights contained in the following: A. Agreement between Adjoining Land Owners Creating Ingress and Egress Easement, by and between Melco Hotels, Inc. and J.R.A. Hotel, Inc., dated May 16, 1994, recorded at Deed Book 10388, page 26, Gwinnett County Records; and B. Agreement between Adjoining Land Owners Creating Ingress/Egress Easement and other Easements by and between Melco Hotels, Inc., J.R.A. Hotels, Inc., and Pagati Investments, Inc., dated May 2, 1997, recorded at Deed Book 14144, page 271, Gwinnett County Records, as amended and supplemented by First Amendment to Agreement between Adjoining Land Owners Creating Ingress and Egress Easement, by and between Melco Hotels, Inc., J.R.A. Hotel, Inc., and Hermant Patel, dated May 18, 2004, recorded at deed Book 38384, page 226, Gwinnett County Records. ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 169 OF THE 7th DISTRICT OF GWINNETT COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: TO FIND THE TRUE POINT OF BEGINNING COMMENCE AT A CONCRETE RIGHT OF WAY MONUMENT AT THE INTERSECTION OF THE NORTHEASTERLY RIGHT OF WAY LINE OF LAWRENCEVILLE-SUWANEE ROAD (100 FOOT RIGHT OF WAY) AND THE SOUTHEASTERLY RIGHT OF WAY LINE OF SAWMILL DRIVE (80 FOOT RIGHT OF WAY) THENCE FROM SAID POINT OF COMMENCEMENT NORTH 11 DEGREES 24 MINUTES 45 SECONDS EAST 49.87 FEET TO A CONCRETE RIGHT OF WAY MONUMENT ON THE SOUTHERLY RIGHT OF WAY OF SAWMILL DRIVE; RUNNING THENCE ALONG SAID RIGHT OF WAY NORTH 55 DEGREES 58 MINUTES 39 SECONDS EAST 514.33 FEET TO A POINT; THENCE ALONG A CURVE TO THE RIGHT AN ARC DISTANCE OF 1.55 FEET WITH A 914.93 FOOT RADIUS AND BEING SUBTENDED BY A CHORD BEARING OF NORTH 56 DEGREES 02 MINUTES 13 SECONDS EAST A CHORD DISTANCE OF 1.55 FEET TO A POINT; CONTINUING ALONG THE CURVE TO THE RIGHT AN ARC DISTANCE OF 40.82 FEET (WITH A RADIUS OF 914.93 FEET SUBTENDED BY A CHORD BEARING OF NORTH 57 DEGREES 21 MINUTES 48 SECONDS EAST WITH A CHORD DISTANCE OF 40.82 FEET) TO A POINT; THENCE LEAVING SAID RIGHT OF WAY SOUTH 31 DEGREES 48 MINUTES 53 SECONDS EAST 267.70 FEET TO THE TRUE POINT OF BEGINNING OF THE SIGN EASEMENT AREA; FROM SAID TRUE POINT OF BEGINNING, THENCE SOUTH 31 DEGREES 48 MINUTES 53 SECONDS EAST 20 FEET TO A POINT; THENCE SOUTH 46 DEGREES 22 MINUTES 44 SECONDS WEST 40.90 FEET TO A POINT; THENCE NORTH 31 DEGREES 56 MINUTES 01 SECONDS WEST 20.00 FEET TO A POINT; THENCE NORTH 46 DEGREES 23 MINUTES 27 SECONDS EAST 40.89 FEET TO THE TRUE POINT OF BEGINNING; being shown as a Sign Easement as per "ALTA/ASCM Land Title Survey for NK Hospitality, LLC, U. S Small Business Administration c/o Georgia Certified Development Corporation, Zions First National Bank, Haven Trust Bank and Chicago Title Insurance Company", dated February 3, 2006, last revised April 5, 2006, prepared by A.S. Giometti & Associates, Inc., sealed by A.S. Giometti, Georgia RLS No. 1125, which survey is incorporated herein by this reference for all purposes. Being the same easement as conveyed by that certain SIGN LOCATION EASEMENT, dated April __, 2006, from Diplomat Hotel Corporation to J.R.A. Hotel, Inc., recorded, or to be recorded, in the Gwinnett County Records. (b) TOGETHER WITH ANY AND ALL of the following: (i) all buildings, structures and improvements now or hereafter located on the real property or on any part or parcel thereof and all fixtures affixed or attached, actually or constructively, thereto; (ii) all and singular the tenements, hereditaments, easements and appurtenances belonging thereunto or in any wise appertaining thereto and the reversion and reversions, remainder or remainders thereof; (iii) all rents accruing therefrom, whether now or hereafter due; (iv) all accounts and contract rights now or hereafter arising in connection with any part or parcel thereof or any buildings, structures or improvements now or hereafter located thereon, including without limitation all accounts and contract rights in and to all leases or undertaking to lease now or hereafter affecting the land or any buildings, structures, or improvements thereon; (v) all minerals, flowers, crops, trees, timber, shrubbery and other emblements now or hereafter located thereon or thereunder or on or under any part or parcel thereof; (vi) all estates, rights, title and interest therein, or in any part or parcel thereof (vii) all equipment machinery, apparatus, fittings, fixtures, furniture, furnishings, mobile homes, modular homes and all personal property of every kind or description whatsoever now or hereafter located thereon, or in or on the buildings, structures and improvements thereon, and used in connection with the operation and maintenance thereof, and all additions thereto and replacements thereof; and (viii) all building materials, supplies, goods and equipment delivered thereto and placed thereon for the purpose of being affixed to or installed or incorporated or otherwise used in the buildings, structure or other improvements now or hereafter located thereon or any part or parcel thereof. Lender may sell that portion of the Property as under the laws of the State of Georgia may constitute an estate or interest in real estate either separately from that portion of the Property which, under the laws of the State of Georgia, may constitute personalty and not an interest in real estate (the "Personal Property"), in which case separate bids will be taken therefore, or collectively in a single sale and lot and in a single bid. Lender may elect not to sell the Personal Property at the same time as the remainder of the Property. Notice of intent to sell separately or in a single lot and notice of Lender's election with respect to sale of the Personal Property will be announced at the sale. With regard to the sale of either the Real Property or the Personal Property, or both, Lender reserves the right to credit bid at the sale all or any portion of its debt. To the best knowledge and belief of the undersigned, the Property is in the possession of Grantor, or others with the permission of Grantor, and may have been known from time to time as 3103 Lawrenceville-Suwanee Road, Suwanee, Gwinnett, GA 30024. The Property will be sold on an "AS IS, WHERE IS" basis, without recourse against Lender and without representation or warranty of any kind or nature whatsoever with respect thereto, with no assurance afforded as to the exact acreage contained in the Real Property description and subject to, among other exceptions, all of the following: (a) All outstanding taxes (including, without limitation, taxes that are liens, but not yet due or payable), assessments and utility bills that are valid liens and encumbrances upon any of the Property and which are prior in right to the Security Deed; (b) Any and all easements, restrictions, covenants, encumbrances and other matters that would be revealed by an inspection or accurate survey of the Property; (c) All valid zoning ordinances; (d) All valid federal tax liens (if any) affecting any of the Property and the rights of the United States Government relative thereto, including, but not limited to, the right of redemption of the United States Government, if any such rights validly exist, and any rights of redemption of the United States Government (specifically the U.S. Small Business Administration) relative to the junior lien on the Property in favor of the Georgia Certified Development Corporation, if any such rights validly exist; and (e) Any and all easements, limitations, restrictions, reservations, covenants and encumbrances of record to which the Security Deed is subordinate in terms of priority. The indebtedness evidenced by the Note and secured by the Security Deed has been, and is hereby, declared immediately due and payable because of defaults by Grantor under the Note, including, but not limited to, defaults resulting from the failure to pay the indebtedness as and when due in accordance with the Note. The proceeds of the sale of the Property shall be applied in accordance with the Security Deed to the payment of the unpaid indebtedness under the Note and all fees, costs, charges, and expenses of the sale and of all proceedings in connection therewith, including, without limitation, attorneys' fees incurred by Lender. ZIONS FIRST NATIONAL BANK ("Lender"), as attorney-in-fact for N K Hospitality, L.L.C. ("Grantor") PARKER HUDSON RAINER & DOBBS LLP Attorneys for Grantee Eric W. Anderson, Esq. 1500 Marquis Two Tower 285 Peachtree Center Avenue, NE Atlanta, Georgia 30303 (404) 523-5300 950-06599306,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Leobardo Nava to Mortgage Electronic Registration Systems, Inc. , dated January 31, 2006, recorded in Deed Book 46138, Page 592, Gwinnett County, Georgia Records, as last transferred to Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-TWO THOUSAND FOUR HUNDRED SEVENTY-EIGHT AND 0/100 DOLLARS ($122,478.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 139 of The 5th District of Gwinnett County, Georgia, being known and designated as Lot 27, Block "F", Unit Twelve, Oakdale Woods Subdivision, as per Plat recorded in Plat Book Z, Page(s) 241, Gwinnett County records, which Plat is hereby referred to and made a part of this description. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Countrywide Home Loans, 5401 North Beach Street, MS FWTX-35, Fort Worth, TX 76137, 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 property is Leobardo Nava or a tenant or tenants and said property is more commonly known as 929 Rock Oak Lane, Lawrenceville, Georgia 30045. 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 Servicing LP as Attorney in Fact for Leobardo Nava McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ps1 1/6/09 Our file no. 52615108-FT4 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599097,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Vivian Navarro to Mortgage Electronic Registration Systems, Inc. dated May 16, 2007 in the amount of $208,000.00, and recorded in Deed Book 47943, Page 753, Gwinnett County, Georgia Records; as last transferred to EMC Mortgage Corporation by assignment; the undersigned, EMC Mortgage Corporation pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 106 of the 7th District, Gwinnett County, Georgia, being lot 6, Block A, Pine Ridge Country Club Estates, Unit One, as per plat recorded in Plat Book Y, Page 53, Gwinnett County records, said plat being incorporated herein by reference thereto. which has the property address of 2189 Walker Drive, Lawrenceville, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Vivian Navarro and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. EMC Mortgage Corporation Attorney in Fact for Vivian Navarro Anthony DeMarlo, Attorney/lseymore McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-25690 /FNMA THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593723,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from JORGE H. NAVEDA and LORENA DIAZ to BANK OF AMERICA, N.A., dated July 6, 2005, recorded July 18, 2005, in Deed Book 43581, Page 76, Gwinnett County, Georgia records as transferred to WACHOVIA BANK, N.A., AS TRUSTEE FOR MORTGAGE PASS THROUGH CERTIFICATES SERIES 2005-F by Assignment to be recorded in the Gwinnett County, Georgia records, said Security Deed being given to secure a Note from JORGE H. NAVEDA of even date in the original principal amount of Three Hundred Sixty Four Thousand and 00/100 ($364,000.00) Dollars, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 284 of the 7th District of Gwinnett County, Georgia, being Lot 687, Block "M", Rivermoore Park, Unit 6B, a/k/a Springhill, as per plat recorded in Plat Book 81, Pages 67 & 68, Gwinnett County, Georgia records which plat is incorporated herein and made a part hereof by this reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property 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, easements, 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 JORGE H. NAVEDA and LORENA DIAZ or a tenant or tenants. WACHOVIA BANK, N.A., AS TRUSTEE FOR MORTGAGE PASS THROUGH CERTIFICATES SERIES 2005-F, as attorney in Fact for JORGE H. NAVEDA and LORENA DIAZ L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 6970A-00665 THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594257,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNT By virtue of a Power of Sale contained in that certain Security Deed from David Nelson and Karen Nelson to Ameriquest Mortgage Company , dated June 15, 2005, recorded June 28, 2005, in Deed Book 43309, Page 0160, as modified by that Certain Modification Agreement dated June 15, 2005 and recorded on June 28, 2005, in Deed Book 43309, Page 0180, Gwinnett County, Georgia Records, and as modified by that Final Order of Court entered on November 24, 2008 at Civil Action No: 07A-0795-6, in the Superior Court of Gwinnett County, Georgia, and to be recorded in the Office of the Clerk of the Superior Court of Gwinnett County, Georgia records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Seventy-Five Thousand Five Hundred and 00/100 dollars ($175,500.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Deutsche Bank National Trust Company, As Trustee Of Ameriquest Mortgage Securities, Inc. Asset Backed Pass Through Certificates, Series 2005-R7 Under The Pooling And Servicing Agreement Dated As Of August 1, 2005, Without Recourse, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, all property described in said Security Deed including but not limited to the following described property: THE LAND REFERRED TO IN THIS EXHIBIT IS LOCATED IN THE COUNTY OF GWINNETT IN THE STATE OF GEORGIA IN DEED BOOK 10668 AT PAGE 330 AND DESCRIBED AS FOLLOWS: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 98, 7TH DISTRICT, GWINNETT COUNTY, GEORGIA BEING LOT 55, BLOCK A, UNIT TWO, CHELSEA PLACE AS PER PLAT RECORDED IN PLAT BOOK 61, PAGE 38, GWINNETT COUNTY RECORDS, WHICH PLAT IS HEREBY REFERRED TO AND MADE A PART OF THIS DESCRIPTION. Said property is commonly known as 3138 Evonshire Lane, Dacula, GA 30019. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees and all other payments 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 outstanding taxes, including but not limited to ad valorem taxes, which constitute 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 superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is David Nelson and Karen Nelson 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 ABOVE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE OF AMERIQUEST MORTGAGE SECURITIES, INC. ASSET BACKED PASS THROUGH CERTIFICATES, SERIES 2005-R7 UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF AUGUST 1, 2005, WITHOUT RECOURSE as Attorney in Fact for DAVID NELSON AND KAREN NELSON Lender Contact: CITIRL, Loss Mitigation Dept., 10801 E. 6th Street, Suite 130, Rancho Cucamonga, CA 91730-5977 TELEPHONE NUMBER: 800-211-6926 Attorney Contact: Adorno & Yoss LLC, 3740 Davinci Court, Suite 100, Norcross, GA 30092 TELEPHONE NUMBER: (888) 890-5309 ADORNO FILE NO. 212600.2302 WWW.adorno.com/atldocs/sales.html 950-07594284,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Vanessa Nguyen to Mortgage Electronic Registration Systems, Inc . dated November 21, 2002, and recorded in Deed Book 30860, Page 162, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US BANK N.A. AS TRUSTEE FOR WAMMS 2003-AR1, by Assignment securing a Note in the original principal amount of $177,600.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 145 of the 6th District of Gwinnett County, Georgia, being Lot 57, Block A, The Grove Subdivision, as per plat recorded in Plat Book 61, Page 50, Gwinnett County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Said property is known as 5590 Martin Grove Drive NW, Lilburn, GA 30047, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Vanessa Nguyen, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Vanessa Nguyen , 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. US BANK N.A. AS TRUSTEE FOR WAMMS 2003-AR1 as Attorney-in-Fact for Vanessa Nguyen File no. 08-002457 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/CW www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599582,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Anhdao Nguyen to Mortgage Electronic Registration Systems, Inc., dated September 6, 2005, recorded in Deed Book 44355, Page 119, Gwinnett County, Georgia Records, as last transferred to LaSalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset Backed-Certificates, Series 2005-EC1 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED ELEVEN THOUSAND TWO HUNDRED AND 0/100 DOLLARS ($111,200.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 174 of the 6th District of Gwinnett County, Georgia, being Lot 1, Block D, Park Forest Subdivision, Unit Four, as shown on plat of subject property recorded in Plat Book 3, Page 124, Gwinnett County, Georgia records, which plat is incorporated herein by reference and made a part of this description. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 Anhdao Nguyen or a tenant or tenants and said property is more commonly known as 1120 Park Forest Dr NW, Lilburn, Georgia 30047. 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, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset Backed-Certificates, Series 2005-EC1 as Attorney in Fact for Anhdao Nguyen McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ho 1/6/09 Our file no. 52742108-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599063,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jacky Bubaca and Mykim T. Nguyen to Long Beach Mortgage Company dated June 30, 2006 in the amount of $123,992.00, and recorded in Deed Book 46745, Page 721, Gwinnett County, Georgia Records; as last transferred to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortage Loan Trust 2006-6 by assignment; the undersigned, Deutsche Bank National Trust Company, as Trustee for Long Beach Mortage Loan Trust 2006-6 pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: That certain condominium unit lying and being in Land Lot 5 of the 7th District, Gwinnett County, Georgia, and being shown as Unit Number 804 of the Arbors at Sugarloaf Condominium on plat recorded in Condominium Plat Book 4, Pages 108 through 110, Gwinnett County, Georgia Records, which plat is incorporated herein by reference and made a part hereof; together with its appurtenant percentage of undivided interest in the common elements of The Arbors at Sugarloaf Condominium, as set forth and provided in that certain Declaration of Condominium for The Arbors at Sugarloaf Condominium by Beazer Homes Corp., a Tennessee corporation, recorded in Deed Book 37467, Page 247, aforesaid records; as amended from time to time as provided therein; said Unit being known as Unit 908 in Building 9 and having an address of 804 Arbor Gate lane, Lawrenceville, GA 30044. which has the property address of 804 Arbor Gate Lane #908, Lawrenceville, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Jacky Bubaca and Mykim T. Nguyen and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Deutsche Bank National Trust Company, as Trustee for Long Beach Mortage Loan Trust 2006-6 Attorney in Fact for Jacky Bubaca and Mykim T. Nguyen Anthony DeMarlo, Attorney/lseymore McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-25331 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593672,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Vanessa Nguyen to Mortgage Electronic Registration Systems, Inc . dated November 21, 2002, and recorded in Deed Book 30860, Page 162, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US BANK N.A. AS TRUSTEE FOR WAMMS 2003-AR1 , by Assignment securing a Note in the original principal amount of $177,600.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 145 of the 6th District of Gwinnett County, Georgia, being Lot 57, Block A, The Grove Subdivision, as per plat recorded in Plat Book 61, Page 50, Gwinnett County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Said property is known as 5590 Martin Grove Drive NW, Lilburn, GA 30047 , together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Vanessa Nguyen, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Vanessa Nguyen , 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. US BANK N.A. AS TRUSTEE FOR WAMMS 2003-AR1 as Attorney-in-Fact for Vanessa Nguyen File no. 08-002457 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/CW www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594285,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by John C. Nichols to Mortgage Electronic Registration Systems, Inc . dated January 12, 2007, and recorded in Deed Book 47519, Page 43, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US Bank National Association, as Trustee for BAFC 2007-4 , by Assignment securing a Note in the original principal amount of $168,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 58 of the 7th District, Gwinnett County, Georgia, being Lot 46, Block B, Wynsdsor Grove at Charleston Park, Subdivision, Unit Two, as per plat recorded in Plat Book 87, Page 285-286, Gwinnett County, Georgia Records, which recorded plat is incorporated herein by this reference and made a part of this description. Said property is known as 1230 Brisbane Drive, Dacula, GA 30019, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of John C. Nichols, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of John C. Nichols, 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. US Bank National Association, as Trustee for BAFC 2007-4 as Attorney-in-Fact for John C. Nichols File no. 08-007511 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599262,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER By virtue of the power of sale contained in a Deed to Secure Debt by Jeremey S. Nix and Kristen M. Nix to Mortgage Electronic Registration Systems, Inc. ("MERS") as nominee for Decision One Mortgage Company, LLC , dated November 5, 2004 and filed for record November 19, 2004 in Deed Book 40642, Page 215, Gwinnett County, Georgia records, and securing a Note in the original principal amount of $116,841.15; last transferred to CitiMortgage, Inc. by Assignment filed for recording in Gwinnett County, Georgia records, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Gwinnett County, Georgia, between the legal hours of sale on the first Tuesday in January 2009, by CitiMortgage, Inc. as Attorney-in-Fact for Jeremey S. Nix and Kristen M. Nix the following property to-wit: ALL THAT TRACT or parcel of land lying and being in Land Lot 70 of the 7th District of Gwinnett County, Georgia, being Lot 12, Block C and Unit Two of Fairview Station Subdivision, as per plat recorded in Plat Book 7, Page 20, Gwinnett County, Georgia Records, which said recorded plat is incorporated herein and made a part hereof by reference thereto for a more complete description of the property. The above described property is also known as 892 Brighton Drive, Lawrenceville, GA 30043. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees, if applicable. The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable. To the best of the undersigned's knowledge and belief, possession of the subject property is held by Jeremey S. Nix and Kristen M. Nix. 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: CitiMortgage, Inc. Attn: Loss Mitigation Dept. 1111 Northpoint Drive Building 4, Suite 100 Coppell, TX 75019-3931 Telephone number: 800-422-1498. The foregoing notwithstanding, nothing in O.C.G.A. 44-14-162.2 shall be construed to require CitiMortgage, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. CitiMortgage, Inc. as Attorney-in-Fact for Jeremey S. Nix and Kristen M. Nix SHUPING, MORSE & ROSS, LLP By: S. Andrew Shuping, Jr. S. Andrew Shuping, Jr. 6259 Riverdale Road, Suite 100 Riverdale, Georgia 30274-1698 (770) 991-0000 THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593952,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Breckney Nixon to Mortgage Electronic Registration Systems, Inc. , dated October 3, 2005, recorded in Deed Book 44739, Page 191, Gwinnett County, Georgia Records, as last transferred to Bank of America, National Association as successor by merger to LaSalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset Backed-Certificates, Series 2006-HE1 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-FIVE THOUSAND SIX HUNDRED AND 0/100 DOLLARS ($135,600.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 246 of the 5th District, Gwinnett County, Georgia, being Lot 10, Block A, Campbell Crossing Subdivision, Unit One, as per plat thereof recorded in Plat Book 83, Page 183, as revised in Plat Book 89, Page 186, Gwinnett County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description. 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 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 assessments, 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: 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 Breckney Nixon or a tenant or tenants and said property is more commonly known as 995 Campbell Gate Road, Lawrenceville, Georgia 30045 . 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, National Association as successor by merger to LaSalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset Backed-Certificates, Series 2006-HE1 as Attorney in Fact for Breckney Nixon McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/gxw 1/6/09 Our file no. 5707308-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594200,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Kevin Nixon to National City Mortgage Co dba Commonwealth United Mortgage Company dated October 26, 2001 in the amount of $138,446.00, and recorded in Deed Book 25364, Page 266, Gwinnett County, Georgia Records; as last transferred to National City Real Estate Services, LLC s/b/m National City Mortgage, Inc., f/k/a National City Mortgage Co dba Commonwealth United Mortgage Company by assignment; the undersigned, National City Real Estate Services, LLC s/b/m National City Mortgage, Inc., f/k/a National City Mortgage Co dba Commonwealth United Mortgage Company pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 299 of the 5th District, Gwinnett County, Georgia, being Lot 57, Block A, Brookton Place Subdivision, Unit 2, as per plat recorded in Plat Book 84, Pages 138-139, Gwinnett County records; said plat being incorporated herein by reference thereto. which has the property address of 2711 Winky Bluff, Dacula, Georgia ., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Kevin Nixon and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. National City Real Estate Services, LLC s/b/m National City Mortgage, Inc., f/k/a National City Mortgage Co dba Commonwealth United Mortgage Company Attorney in Fact for Kevin Nixon Anthony DeMarlo, Attorney/canderson McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26761 /FHA THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594051,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Kyung Ja Noh aka Kyung J. Noh to Mortgage Electronic Registration Systems, Inc. , dated September 22, 2006, recorded in Deed Book 47092, Page 536, Gwinnett County, Georgia Records, as last transferred to Wells Fargo Bank, NA by assignment recorded in Deed Book 49132, Page 118, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FOUR HUNDRED SEVENTEEN THOUSAND AND 0/100 DOLLARS ($417,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 160 of the 7th District of Gwinnett County, Georgia, being Lot 22, Block A, Willowstone at Duluth, as per plat recorded at Plat Book 107, Pages 256-257, Gwinnett County records, which plat is incorporated herein and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Kyung Ja Noh aka Kyung J. Noh or a tenant or tenants and said property is more commonly known as 2958 Willowstone Drive, Duluth, Georgia 30096. 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. Welsl Fargo Bank, NA as Attorney in Fact for Kyung Ja Noh aka Kyung J. Noh McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/ms8 1/6/09 Our file no. 52134408-FT7 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599651,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Perry Numa to Saxon Mortgage, Inc. dated October 1, 2003, and recorded in Deed Book 35239, Page 155, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to LaSalle Bank National Association, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series 2004-2, by Assignment securing a Note in the original principal amount of $112,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 150 of the 6th District of Gwinnett County, Georgia, being Lot 20, Block A, Carter Woods, according to the plat thereof, recorded in Plat Book Q, Page 33, of the Public Records of Gwinnett County, Georgia. Said property is known as 497 Dicks Court NW, Lilburn, GA 30047, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Perry Numa, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Perry Numa; Pradelyne P. Michel St. Hilaire, 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. LaSalle Bank National Association, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series 2004-2 as Attorney-in-Fact for Perry Numa File no. 08-002145 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599261,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Sanita Nwachukwu to Mortgage Electronic Registration Systems, Inc. dated August 29, 2005 in the amount of $135,000.00, and recorded in Deed Book 44380, Page 202, Gwinnett County, Georgia Records; as last transferred to Wachovia Bank, National Association by assignment; the undersigned, Wachovia Bank, National Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: The certain condominium unit lying and being in Land Lot 5 of the 7th District, Gwinnett County, Georgia, and being shown as Unit Numbere 821 of The Arbors at Sugarloaf Condominium on plat recorded in Condominium Plat Book 3, Pages 287 through 289 Gwinnett County, Georgia Records, which plat is incorporated herein by reference and made a part hereof; and as shown on Floor Plans recorded as Condominium Floor Plans 3825 through 3884, Gwinnett County, Georgia Records; which floor plans are incorporated herein by reference and made a part hereof; togerther with its appurtenant percentage of undivided interest in the common elements of The Arbors at Sugarloaf Condominium, as set forth and provided in that certain Declaration of Condominium for The Arbors at Sugarloaf Condominium by Beazer Homes Corp., a Tennessee corporation, recorded in Deed Book 37467, Page 247, aforesaid records; as amended from time to time as provided therein; said Unit being known as Unit 2403 in Building 24 and having an address of 821 Tulip Poplar Way, Lawrenceville, Georgia. which has the property address of 821 Tulip Poplar Way, Lawrenceville, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Sanita Nwachukwu and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Wachovia Bank, National Association Attorney in Fact for Sanita Nwachukwu Anthony DeMarlo, Attorney/isheffield McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26512 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594101,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Emmanuel Nwankwo and Ogechukwu Nwankwo to Wells Fargo Home Mortgage, Inc. , dated December 6, 2002, recorded in Deed Book 30163, Page 154, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY THOUSAND ONE HUNDRED FIFTY AND 0/100 DOLLARS ($130,150.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 321 of the 4th District, Gwinnett County, Georgia, being Lot 49B, Block B of Millennium East Place Subdivision, Phase Two B, as per plat recorded in plat book 91, pages 208-209, Gwinnett County, Georgia Records, which plat is hereby incorporated herein by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Emmanuel Nwankwo and Ogechukwu Nwankwo or a tenant or tenants and said property is more commonly known as 3234 Eternity Way, Snellville, Georgia 30039. 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 Emmanuel Nwankwo and Ogechukwu Nwankwo McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cls1 1/6/09 Our file no. 51936206-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599158,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Ecaterina Oanta and Ilie Oanta to Option One Mortgage Corporation, a California Corporation dated October 24, 2005 in the amount of $166,500.00, and recorded in Deed Book 45020, Page 0001, Gwinnett County, Georgia Records; as last transferred to Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2006-1 Asset-Backed Certificates, Series 2006-1 by assignment; the undersigned, Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2006-1 Asset-Backed Certificates, Series 2006-1 pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 205 of the 5th District of Gwinnett County, Georgia, being Lot 13, Block A, Saddle Bend Subdivision, (FKA Saddle Ridge), Unit I, as per plat recorded in Plat Book 77, Page 217, Gwinnett County, Georgia Records, which plat is incorporated herein and made a part hereof by reference for a more detailed description. Said property being commonly known as 433 Macland Drive, Lawrenceville, GA 30045 according to the present system of numbering in Gwinnett County, Georgia. which has the property address of 433 Macland Drive, Lawrenceville, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Ecaterina Oanta and Ilie Oanta and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2006-1 Asset-Backed Certificates, Series 2006-1 Attorney in Fact for Ecaterina Oanta and Ilie Oanta Anthony DeMarlo, Attorney/cyeats McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-27514 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599387,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Cajethan Dada Obidah to , dated July 19, 2005, recorded in Deed Book 43828, Page 128, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED SEVENTEEN THOUSAND FIFTY AND 0/100 DOLLARS ($317,050.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 282 of the 6th District, Gwinnett County, Georgia, Being Lot 26, Block A, The Four Corners Subdivision, as per Plat recorded in Plat Book 16, Page 40, Gwinnett County, Georgia records, which recorded Plat is incorporated herein by this reference and made a part of this description. Said property being known as 3517 Peachtree Corners Circle according to the present system of numbering houses in Gwinnett 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 Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). American Home Mortgage Servicing Inc. can be contacted at 877-304-3100 or by writing to 6501 Irvine Center Drive, Irvine, CA 92618, 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 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 Cajethan Dada Obidah or a tenant or tenants and said property is more commonly known as 3517 Peachtree Corner Cir, Norcross, Georgia 30092. 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. as Attorney in Fact for Cajethan Dada Obidah Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/cm8 1/6/09 Our file no. 11744208-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598841,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Nidia Ochoa to Mortgage Electronic Registration Systems, Inc. , dated January 26, 2007, recorded in Deed Book 47518, Page 27, Gwinnett County, Georgia Records, as last transferred to HSBC Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY THOUSAND ONE HUNDRED FIFTY AND 0/100 DOLLARS ($130,150.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 Land Lot 225, 6th District, Gwinnett County, Georgia, being Lot 35, Block A, Mitchell Rise, Unit Three, as shown on plat of subject property recorded at Plat Book 25, Page 262, Gwinnett County records, which plat is incorporated herein by reference and made a part of this description Being improved property known as 2288 Summertown Drive, according to the present system of numbering house in Gwinnett 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 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: HSBC Mortgage Corporation, 2929 Walden Avenue, Depew, NY 14043, 716-651-5515. 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 Nidia Ochoa or a tenant or tenants and said property is more commonly known as 2288 Summertown Drive, Norcross, Georgia 30071. 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. HSBC Mortgage Corporation as Attorney in Fact for Nidia Ochoa McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cm8 1/6/09 Our file no. 51928008-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599093,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Isabel Ochoa to Mortgage Electronic Registration Systems, Inc . dated April 30, 2002 in the amount of $152,605.00, and recorded in Deed Book 27328, Page 223, Gwinnett County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 192 of the 6th District of Gwinnett County, Georgia, and being shown and designated as Tract V on exemption plat for Janice E. & Robert Cook,a copy of said plat being recorded at Plat Book 69, Page 112, in the Clerks Office of the Superior Court of Gwinnett County, Georgia; said recorded plat being incorporated herein by reference and made a part of this description. which has the property address of 1271 Dogwood Lane, Tucker, Georgia ., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Isabel Ochoa and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. CitiMortgage, Inc. Attorney in Fact for Isabel Ochoa Anthony DeMarlo, Attorney/thayle McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 07-14791 /FHA THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599154,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Lisa Oden and Robert Oden to New Century Mortgage Corporation dated August 8, 2000 in the amount of $138,550.00, and recorded in Deed Book 21088, Page 225, Gwinnett County, Georgia Records; as last transferred to The Bank of New York Mellon Trust Company, National Association fka The Bank of New York Trust Company, N.A. as successor to JPMorgan Chase Bank N.A. as Trustee for 2006RP4 RAMP by assignment; the undersigned, The Bank of New York Mellon Trust Company, National Association fka The Bank of New York Trust Company, N.A. as successor to JPMorgan Chase Bank N.A. as Trustee for 2006RP4 RAMP pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 69 of the 7th District of Gwinnett County, Georgia, being Lot 36, Block B, Hambridge North, Unit One, as per plat recorded in Plat Book 50, Page 93, Gwinnett County, Georgia Records. which has the property address of 271 Inwood Trail, Lawrenceville, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Lisa Oden and Robert Oden and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. The Bank of New York Mellon Trust Company, National Association fka The Bank of New York Trust Company, N.A. as successor to JPMorgan Chase Bank N.A. as Trustee for 2006RP4 RAMP Attorney in Fact for Lisa Oden and Robert Oden Anthony DeMarlo, Attorney/lseymore McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-20969 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593673,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in that certain Security Deed given by Soo M. Oh and Young Hee Oh to SunTrust Bank, dated September 14, 2004 and filed December 13, 2004, recorded in Deed Book 40913, Page 0186, Gwinnett County, Georgia Records, conveying the after-described property to secure a Access 3 Equity Line Account Agreement and Disclosure Statement in the original principal amount of Seventy Two Thousand Dollars and No Cents ($72,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on Tuesday January 6, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 84 of the 5th District, Gwinnett County, Georgia, being Lot 63, Block B, Millridge fka Broxton Woods Subdivision, Unit One, as per plat recorded in Plat Book 24, Page 140 and revised plat recorded in Plat Book 28, Page 175, Gwinnett County, Georgia records, which recorded plat is incorporated herein by this reference and made a part of this description. Said property being known as 347 Johnson Road according to the present system of numbering property in Gwinnett 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 Access 3 Equity Line Account Agreement and Disclosure Statement and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above that certain Security Deed given by Soo M. Oh and Young Hee Oh to California Federal Savings and Loan Association, dated April 20, 1988 and filed May 11, 1988, recorded in Deed Book 4887, Page 250, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of $72,900.00, and that certain Security Deed given by Soo M. Oh and Young Hee Oh to First Union National Bank dated October 17, 2000 and filed December 20, 2000, recorded in Deed Book 21900, Page 229, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of $26,000.00. To the best knowledge and belief of the undersigned, the party in possession of the property is Soo M. Oh aka Soo Man Oh and Young Hee Oh or a tenant or tenants and said property is more commonly known as 347 Johnson Rd., Lawrenceville, GA 30045. In compliance with Georgia law, please find below the contact information for the entity who has authority to negotiate, amend, and modify the terms of the loan documents which may include a note, mortgage, security deed or deed to secure debt. SunTrust Bank Attn: Consumer Home Retention Group, VA-Richmond-RVW 7954 1001 Semmes Avenue Richmond, VA 23224 1(888) 886-0696 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 Bank, as Attorney in Fact for Soo M. Oh and Young Hee Oh By: Andrew D. Gleason Attorney for SunTrust Bank Lefkoff, Rubin & Gleason, P.C. 5555 Glenridge Connector Suite 900 Atlanta, Georgia 30342 (404)869-6900 (404)869-6909 (fax) THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593994,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Kimberly Ojeda to Bank of America, NA , dated November 21, 2006, recorded in Deed Book 47354, Page 899, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-FOUR THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($134,900.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 183 of the 6th District, Gwinnett County, Georgia, being Lot 8, Block B, Hickory Plantation Subdivision, Unit One, as per plat recorded in plat book 23, page 4, Gwinnett County Records, said plat being incorporated herein 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 collect attorney's fees having been given). Bank of America can be contacted at 800-285-6000 or by writing to 475 Crosspoint Parkway, Getzville, NY 14068, 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 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 Kimberly Ojeda and Christian Patricio Arita Dubon or a tenant or tenants and said property is more commonly known as 1384 Shenta Oak Drive, Norcross, Georgia 30093. 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, NA as Attorney in Fact for Kimberly Ojeda Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/pxs 1/6/09 Our file no. 11741708-FT8 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599116,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Iyayiosa Michael Okundaye to All American Mortgage Financial, Inc., Corporation dated November 30, 2000, and recorded in Deed Book 21828, Page 129, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment securing a Note in the original principal amount of $143,421.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 245 of the 5th District of Gwinnett County, Georgia, being Lot 9, Block "A", Alcovy Springs Subdivision, Unit One, as per Georgia Records, which plat is incorporated herein by this reference and made a part of this description. Said property is known as 1813 Alcovy Springs Lane, Lawrenceville, GA 30045 , together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Iyayiosa Michael Okundaye, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Iyayiosa Michael Okundaye , 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. Wells Fargo Bank, N.A. as Attorney-in-Fact for Iyayiosa Michael Okundaye File no. 08-007574 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP* Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/AB www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599182,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Chikwendu A. D. Onyiri to Mortgage Electronic Registration Systems, Inc. dated October 11, 2006 in the amount of $204,000.00, and recorded in Deed Book 47157, Page 77, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 191 of the 7th District, Gwinnett County, Georgia, being Lot 2, Block C, Buckingham Park Subdivision, Unit One, as per plat recorded in Plat Book 81, Page 129, Gwinnett County, Georgia Records, which plat is incorporated herein by reference and made a part hereof. which has the property address of 3609 Rolling Hills Drive, Suwanee, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Chikwendu A. D. Onyiri and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Chikwendu A. D. Onyiri Anthony DeMarlo, Attorney/jplanicka McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-18144 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598849,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Jeffrey Ordonez to Mortgage Electronic Registration Systems, Inc. dated July 28, 2006, and recorded in Deed Book 46904, Page 710, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Deutsche Bank National Trust Company, as Trustee for FFMLT 2006-FF13 , by Assignment securing a Note in the original principal amount of $182,788.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 48 of the 5th District of Gwinnett County, Georgia, being Lot 23, Block B of Brookstone Chase, Phase I as per plat recorded in Plat Book 112, Page 273-276, Gwinnett County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Said property is known as 1781 Stoney Chase Drive, Lawrenceville, GA 30044, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Jeffrey Ordonez, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Jeffrey Ordonez, 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. Deutsche Bank National Trust Company, as Trustee for FFMLT 2006-FF13 as Attorney-in-Fact for Jeffrey Ordonez File no. 08-001940 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599122,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Denise Cheek-Orr and Sandra Orr to Mortgage Electronic Registration Systems, Inc. dated July 29, 2004 in the amount of $105,100.00, and recorded in Deed Book 39448, Page 9, Gwinnett County, Georgia Records; as last transferred to HSBC Mortgage Corporation USA by assignment; the undersigned, HSBC Mortgage Corporation USA pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: Land situated in the County of Gwinnett, State of Georgia is described as follows: All that tract or parcel of land lying and being in the Braselton District (GMD 1749) of Gwinnett County, Georgia and being Lot 201 of MULBERRY PARK, PHASE 1, as per that plat of the subdivision recorded in Plat Book 95, Page 124-130 which plat is incorporated herein by reference and made a part hereof. Commonly known as: 6535 White Walnut Way, Braselton, GA 30517. which has the property address of 6535 White Walnut Way, Braselton, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Denise Cheek-Orr and Sandra Orr and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. HSBC Mortgage Corporation USA Attorney in Fact for Denise Cheek-Orr and Sandra Orr Anthony DeMarlo, Attorney/efisher McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26260 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594048,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Brunilda Ortega to Mortgage Electronic Registration Systems, Inc. , dated March 28, 2006, recorded in Deed Book 46361, Page 2, Gwinnett County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-THREE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($173,900.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 49 of the 5th District, Gwinnett County, Georgia, being Lot 11, Block G, The Moorings at River Park subdivision, Unit Two, as per plat recorded in Plat Book 41, page 170, Gwinnett County, Georgia records, which recorded plat is incorporated herein by this reference and made a part of this description. Said property being known as 577 Ravinia Way According to the present system of numbering houses in Gwinnett 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 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 assessments, 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: 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Brunilda Ortega or a tenant or tenants and said property is more commonly known as 577 Ravinia Way, Lawrenceville, Georgia 30044. 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 Attorney in Fact for Brunilda Ortega McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/car 1/6/09 Our file no. 51119007-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594018,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by David Ortega and Estella Ortega to Impac Funding Corp. D/B/A Impac Lending Group dated May 30, 2003 in the amount of $181,950.00, and recorded in Deed Book 33240, Page 89, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Hog Mountain GMD 444, and in Land Lot 1, of the 3rd District, Gwinnett County, Georgia, being Lot 11, Unit I, Marlowe Estates Subdivision, Unit I, as per Plat recorded in Plat Book 95, Page 72, Gwinnett County, Georgia records, which Plat is incorporated herein and made a part hereof by reference for a more detailed description. which has the property address of 2124 Pierce Way, Buford, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of David Ortega and Estella Ortega and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for David Ortega and Estella Ortega Anthony DeMarlo, Attorney/llawson McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-12213 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594243,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Duane Patrick Osborne to Mortgage Electronic Registration Systems, Inc., dated July 13, 2006, recorded in Deed Book 46862, Page 654, Gwinnett County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment recorded in Deed Book 49143, Page 8, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWO THOUSAND EIGHT HUNDRED EIGHTY AND 0/100 DOLLARS ($202,880.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following descri bed 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 Lots 108 & 109, 7th District, Gwinnett County, Georgia, and being Lot 9, Block D, St. James at Richland Subdivision, Unit Two, as per plat recorded in Plat Book 47, Page 57, Gwinnett County, Georgia records, which plat is incorporated herein by reference for a more complete description of said property. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Duane Patrick Osborne or a tenant or tenants and said property is more commonly known as 111 Saint Aurics Dr, Suwanee, Georgia 30024. 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 Attorney in Fact for Duane Patrick Osborne McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/car 1/6/09 Our file no. 51993308-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598845,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Martha L. Osorio and Gamaliel Bonilla to Mortgage Electronic Registration Systems, Inc. dated October 6, 2004, and recorded in Deed Book 40358, Page 151, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York as Successor in interest to JP Morgan Chase Bank NA as Trustee for Structured Asset Mortgage Investments ll Inc. Bear Stearns Alt-A Trust 2005-2, Mortgage Pass-Through Certificates, Series 2005-2 , by Assignment securing a Note in the original principal amount of $105,600.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 304 of the 7th District, Gwinnett County, Georgia and being Lot 54, Block A, Hillcrest Townhomes Subdivision, as per plat thereof recorded in Plat book 97, Page 145, Gwinnett County, Georgia records, which plat is incorporated herein and made a part hereof by reference. Said property is known as 5361 Paramount View Way, Sugar Hill, GA 30518, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Martha L. Osorio and Gamaliel Bonilla, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Martha L. Osorio, 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. The Bank of New York Mellon, fka The Bank of New York as Successor in interest to JP Morgan Chase Bank NA as Trustee for Structured Asset Mortgage Investments ll Inc. Bear Stearns Alt-A Trust 2005-2, Mortgage Pass-Through Certificates, Series 2005-2 as Attorney-in-Fact for Martha L. Osorio and Gamaliel Bonilla File no. 08-001172 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593989,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Elsy C. Pacheco to Sun America Mortgage Corporation dated March 26, 2003, and recorded in Deed Book 32428, Page 2, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to EverHome Mortgage Company , by Assignment securing a Note in the original principal amount of $158,950.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 205 of the 5th District, of Gwinnett County, Georgia, and being Lot 50, Block A of James Ridge, Unit Two, as per plat recorded in Plat Book 89, Page 148-149 of Gwinnett County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Said property is known as 590 Mattie Farm Place, Lawrenceville, GA 30045 , together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Elsy C. Pacheco, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Elsy C. Pacheco , 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. EverHome Mortgage Company as Attorney-in-Fact for Elsy C. Pacheco File no. 08-007811 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/BB www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593998,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Sandra Pacheco and Jorge Pacheco to New Century Mortgage Corporation, dated September 30, 2005, recorded in Deed Book 44811, Page 120, Gwinnett County, Georgia Records, as last transferred to Deutsche Bank National Trust Company, as trustee for New Century Home Equity Loan Trusts, Series 2005-C (MCHET 2005-C) by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-NINE THOUSAND AND 0/100 DOLLARS ($189,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 339 and 340 of The 4th District of Gwinnett County, Georgia, and Being Lot 176, Block A, Phase Two Of Ellington Springs, as shown on Plat of said Subdivision recorded in Plat Book 105, Pages 154-155, Gwinnett County, Georgia records, as revised at Plat Book 107, Page 283, aforesaid 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 Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Chase Manhattan Mortgage Corporation can be contacted at 877-838-1882x52195 or by writing to 10790 Rancho Bernardo Road, San Diego, CA 92127, 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 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 Sandra Pacheco and Jorge Pacheco or a tenant or tenants and said property is more commonly known as 4218 Ashtree Street, Snellville, Georgia 30039. 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. Deutsche Bank National Trust Company, as trustee for New Century Home Equity Loan Trusts, Series 2005-C (MCHET 2005-C) as Attorney in Fact for Sandra Pacheco and Jorge Pacheco Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/lr3 1/6/09 Our file no. 11743808-FT3 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599313,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Uriel Munos Padilla to Washington Mutual Bank, FA, dated August 19, 2005, recorded in Deed Book 44340, Page 201, Gwinnett County, Georgia Records, as last transferred to Wells Fargo Bank, N.A . by assignment recorded in Deed Book 47376, Page 558, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-NINE THOUSAND THREE HUNDRED FORTY-TWO AND 0/100 DOLLARS ($169,342.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 322 of the 7th District of Gwinnett County, Georgia, being Lot 27, Block A, The Springs Subdivision, Unit 2, as shown on plat of subject property recorded at Plat Book 70, Page 254, Gwinnett County, Georgia Records, which plat is incorporated herein by reference and made a part of this description. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Uriel Munos Padilla or a tenant or tenants and said property is more commonly known as 5600 Windswept Trce, Sugar Hill, Georgia 30518. 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 Attorney in Fact for Uriel Munos Padilla McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/yjr 1/6/09 Our file no. 52605007-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599431,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Chin Pak to Washington Mutual Bank, FA dated March 9, 2005 in the amount of $140,494.00, and recorded in Deed Book 42378, Page 0075, Gwinnett County, Georgia Records; as last transferred to Washington Mutual Bank fka Washington Mutual Bank, FA by assignment; the undersigned, Washington Mutual Bank fka Washington Mutual Bank, FA pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 213 of the 6th District, Gwinnett County, Georgia, being Lot 9, Sterling Brook Subdivision, as per plat recorded in Plat Book 105, Pages 166-167, Gwinnett County, Georgia Records, which recorded plat is incorporated herein and made a part hereof by reference. which has the property address of 5300 Langston Road, Norcross, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Chin Pak and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Washington Mutual Bank fka Washington Mutual Bank, FA Attorney in Fact for Chin Pak Anthony DeMarlo, Attorney/smagnuson McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-09556 /FHLMC THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594342,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Francisco Palacio to National City Mortgage Co dba Commonwealth United Mortgage Company dated October 16, 2000 in the amount of $128,838.00, and recorded in Deed Book 21539, Page 259, Gwinnett County, Georgia Records; as last transferred to National City Real Estate Services, LLC s/b/m National City Mortgage, Inc., f/k/a National City Mortgage Co dba Commonwealth United Mortgage Company by assignment; the undersigned, National City Real Estate Services, LLC s/b/m National City Mortgage, Inc., f/k/a National City Mortgage Co dba Commonwealth United Mortgage Company pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 58 of the 5th District of Gwinnett County, Georgia, being Lot 2, Block B, Unit One, Eastgate Manor, as per plat recorded in Plat Book Y, Page 92, Gwinnett County records. Reference to said plat is hereby made for a complete description of the property herein described. Said property is improved property known as 2255 Eastgate Drive, according to the present system of numbering property in Gwinnett County, Georgia. which has the property address of 2255 Eastgate Drive, Snellville, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Francisco Palacio and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. National City Real Estate Services, LLC s/b/m National City Mortgage, Inc., f/k/a National City Mortgage Co dba Commonwealth United Mortgage Company Attorney in Fact for Francisco Palacio Anthony DeMarlo, Attorney/canderson McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26727 /FHA THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594428,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Corey Lee Palmer to World Savings Bank, FSB, its successors and or assignees, dated December 21, 2005, recorded in Deed Book 45852, Page 106, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SIXTY-SIX THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($66,900.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT A That certain condominium unit lying and being in Land Lot 193 of the 6th District, Gwinnett County, Georgia, and being identified and depicted as Condominium Unit Number 705 in Building Number 07 of Piccadilly Place, as condominium, as more particularly shown on as as-built survey for Piccadilly Place, a condominium, phase five, prepared by Hayes, James & Associates, dated March 9, 1983, and recorded in Condominium Plat Book 1, Page 79, Gwinnett County, Georgia records, together with its appurtenant percentage of undivided interest in the common elements of said Piccadilly declaration of condominium, as set forth and provided in that certain declaration of condominium for Piccadilly Place, dated September 14, 1982, and recorded in Deed Book 2445, Page 204, Gwinnett 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 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 assessments, 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: Wachovia Mortgage, FSB , 4101 Wiseman Blvd, San Antonio, TX 78251,.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 Corey Lee Palmer or a tenant or tenants and said property is more commonly known as 6661 Witherington Ct, Norcross, Georgia 30093. 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. Wachovia Mortgage, FSB. f.k.a. World Savings Bank as Attorney in Fact for Corey Lee Palmer McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/cm8 1/6/09 Our file no. 51357308-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593713,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Julio Adriano Paniagua to HomeBanc Mortgage Corporation dated May 17, 2006 in the amount of $133,600.00, and recorded in Deed Book 46525, Page 694, Gwinnett County, Georgia Records; as last transferred to U.S. Bank National Association, as Trustee by assignment; the undersigned, U.S. Bank National Association, as Trustee pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 336 of the 7th District, Gwinnett County, Georgia, being Lot 11, Bock A, Richland Crossing Subdivision, Unit I, as per plat recorded in Plat Book 87, Pages 153-154, Gwinnett County records, said plat being incorporated herein by reference thereto. which has the property address of 5870 April Drive, Sugar Hill, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Julio Adriano Paniagua and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. U.S. Bank National Association, as Trustee Attorney in Fact for Julio Adriano Paniagua Anthony DeMarlo, Attorney/lseymore McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-25692 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594045,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER IN DEED TO SECURE DEBT GEORGIA, GWINNETT COUNTY Because of the default in the payment of the indebtedness secured by a Deed to Secure Debt executed by PARAGON CONSTRUCTION GROUP LLC to FIRST PIEDMONT BANK, dated April 16, 2007, and recorded in Deed Book 47792, page 839, of the records of the Clerk of the Superior Court of Gwinnett County, Georgia, FIRST PIEDMONT BANK, pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed will on the first Tuesday in January 2009, during the legal hours of sale at the Courthouse door in Gwinnett County, Georgia, sell at public outcry to the highest bidder for cash the property described in said deed, to-wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 134 OF THE 5TH DISTRICT, CITY OF GRAYSON, GWINNETT COUNTY, GEORGIA, BEING LOT 66, BLOCK A, PHASE I OF GEORGETOWN COMMONS SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 115, PAGE 265, GWINNETT COUNTY GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY THIS REFERENCE. The above-described real estate is more commonly known as 2660 Tyler Bay Lane, Grayson, Georgia 30017. The sale will be subject to any unpaid taxes and other assessments which may be liens against the property. Notice has been given of the intention to collect attorney's fees in accordance with the terms of the note and deed to secure debt. Said property will be sold as the property of PARAGON CONSTRUCTION GROUP, L.L.C. and the proceeds will be applied to the payment of said indebtedness, the expenses and costs of sale, including attorney's fees. Any remaining proceeds will be applied pursuant to said deed and the laws of the State of Georgia. The undersigned will execute a deed to the purchaser at said sale as provided for in the aforementioned deed to secure debt. Said sale will divest all the right, title and interest of the maker thereof of said property and shall vest said title in the purchaser at said sale. FIRST PIEDMONT BANK As Attorney in Fact for PARAGON CONSTRUCTION GROUP LLC Lender Contact: First Piedmont Bank P.O. Box 565 Winder, Georgia 30680 Attention: Russell D. Steedley Telephone: 770-307-1212 RUSSELL, STELL, SMITH & MATTISON, P.C. ATTORNEYS FOR FIRST PIEDMONT BANK 98 North Broad Street P.O. Box 644 Winder, Georgia 30680 770-867-7431 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594180,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Brian Park to Mortgage Electronic Registration Systems, Inc. d ated March 9, 2007 in the amount of $391,500.00, and recorded in Deed Book 47714, Page 791, Gwinnett County, Georgia Records; as last transferred to Deutsche Bank Trust Company Americas formerly known as Banker's Trust Company, as trustee under the Pooling and Servicing Agreement dated as of September 1, 2007. Morgan Stanley ABS Capital 1, Inc. Trust 2007-HE7 by assignment; the undersigned, Deutsche Bank Trust Company Americas formerly known as Banker's Trust Company, as trustee under the Pooling and Servicing Agreement dated as of September 1, 2007. Morgan Stanley ABS Capital 1, Inc. Trust 2007-HE7 pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 89 of the 6th District, Gwinnett County, Georgia, being Lot 27, Block A, Unit 1 of Nash Lee Estates Subdivision, as per plat thereof recorded in Plat Book 106, Page 151; revised at Plat Book 106, Page 151; revised at Plat Book 108, Page 248, Gwinnett County, Georgia records, which recorded plat is incorporated herein by reference and made a part of this description. Subject to all easements and restrictions of record. which has the property address of 1110 Nash Lee Drive SW, Lilburn, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Brian Park and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Deutsche Bank Trust Company Americas formerly known as Banker's Trust Company, as trustee under the Pooling and Servicing Agreement dated as of September 1, 2007. Morgan Stanley ABS Capital 1, Inc. Trust 2007-HE7 Attorney in Fact for Brian Park Anthony DeMarlo, Attorney/lseymore McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-27031 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599638,12/11,18,25,1/1 NOTICE OF SALE STATE OF GEORGIA GWINNETT COUNTY By virtue of a Power of Sale contained in the Deed to Secure Debt and Security Agreement Securing a Guaranty from Chong W. Park to The Summit National Bank dated September 8, 2004, recorded in Deed Book 40623, Page 263, Gwinnett County, Georgia records, given to secure a Note dated March 21, 2001 in the original principal amount of Four Hundred Twenty Five Thousand and 00/100 ($425,000.00) Dollars, with interest as provided therein on the unpaid balance until paid; there will be sold at public outcry to the highest and the best bidder for cash before the Courthouse door of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: ALL THAT TRACT OR PARCEL of land lying and being in Land Lot 113 of the 7th District, Gwinnett County, Georgia, being Lot 74 , Block A, The Summit at Huntcrest, Unit Two, as per plat recorded in Plat Book 87, Page 217, Gwinnett County Georgia Records, which plat is incorporated herein by reference and made a part hereof. The debt secured by said Deed to Secure Debt and Security Agreement Securing a Guaranty 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. The property will be sold subject to any outstanding ad valorem taxes, any assessments, and any liens superior to the Deed to Secure Debt and Security Agreement Securing a Guaranty first set out above. United Commercial Bank is the entity with the full authority to negotiate, amend and modify all terms of the Note and Deed to Secure Debt and Security Agreement Securing a Guaranty. United Commercial Bank's address is 4360 Chamblee Dunwoody Road, Atlanta, Georgia 30341 and may be reached at 770.454.0400. To the best knowledge and belief of the undersigned, Chong W. Park is in possession of said property. United Commercial Bank, as successor in interest to The Summit National Bank as Attorney in Fact for Chong W. Park Fred B. Wachter THE WACHTER LAW FIRM 106 Hammond Drive NE Atlanta, Georgia 30328 770.973.1100 950-06599333,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Robert T. Parker and Kathy J. Parker to American Equity Mortgage, Inc., dated September 14, 2004, recorded in Deed Book 39982, Page 216, Gwinnett County, Georgia Records, as last transferred to U.S. Bank N.A. in its capacity as Trustee for the registered holders of MASTR Asset Backed Securities Trust 2005-NC1, Mortgage Pass-Through Certificates, Series 2005-NC1 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTEEN THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($118,400.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 57 of the 6th District, Gwinnett County, Georgia, being Lot 2, Block "A", Unit One, Cannon Estates Subdivision as shown on plat recorded in Plat Book Q, Page 255, plat records of Gwinnett County, and more particularly described as follows: Beginning at a point on the northerly right of way line of Cannon Hill Road located 145.0 feet northeasterly and easterly as measured along the northwesterly and northerly right of way line of Cannon Hill Road and following the curvature thereof from its intersection with the northeasterly right of way line of Old Camp Road and run thence northerly along Lot 1, said block, unit and subdivision, 144.7 feet to an iron pin; run thence northeasterly 58.0 feet to an iron pin; run thence southeasterly 181.5 feet to an iron pin; run thence southwesterly along Lot 3, said block, unit and subdivision, 131.2 feet to an iron pin on the northeasterly right of way line of Cannon Hill Road; run thence northwesterly and westerly along said right of way line and following the curvature thereof 105.0 feet to the place or point of beginning. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Ocwen Loan Servicing LLC, 12650 Ingenuity Drive, Orlando, FL 32826, 877-596-8580. 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 Robert T. Parker and Kathy J. Parker or a tenant or tenants and said property is more commonly known as 2158 Cannon Hill Rd SW, Lilburn, Georgia 30047. 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 N.A. in its capacity as Trustee for the registered holders of MASTR Asset Backed Securities Trust 2005-NC1, Mortgage Pass-Through Certificates, Series 2005-NC1 as Attorney in Fact for Robert T. Parker and Kathy J. Parker McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/en 1/6/09 Our file no. 52656308-FT2 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06598891,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Richard Parr and Kay Parr to Mortgage Electronic Registration Systems, Inc . dated May 30, 2007 in the amount of $193,777.00, and recorded in Deed Book 47973, Page 862, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 306 of the 5th District, Gwinnett County, Georgia, being Lot 241, Block B, Unit 1, of Fairmont on the Park Subdivision, as per plat thereof recorded in Plat Book 90, Pages 184-185, Gwinnett County, Georgia records, which recorded plat is incorporated herein by reference and made a part of this description. which has the property address of 721 Fairmont Park Dr, Dacula, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Richard Parr and Kay Parr and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Richard Parr and Kay Parr Anthony DeMarlo, Attorney/smitchell McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26614 /FHA THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593991,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY. By virtue of power of sale contained in Commercial Deed to Secure Debt and Security Agreement dated July 21, 2005 from Patriot Builders, LLC to Athens First Bank & Trust Company, now known as AFB&T, recorded in Deed Book 43701, page 0153 in the Office of the Clerk of the Superior Court of Gwinnett County, Georgia (hereinafter "Security Deed"), said Security Deed securing a note dated February 26, 2008 in the original principal amount of $1,420,351.75 with interest from date at the rate specified in the 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 in Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: ALL THAT TRACT OR PARCEL OF LAND situate lying and being in Gwinnett County, Georgia, and being more particularly described in Exhibit "A" attached hereto and by this reference made a part hereof. EXHIBIT "A" All that tract or parcel of land lying and being in Duncan's GMD No. 1749, Gwinnett County, Georgia and being Lot 15 of The Legends, Block "C", at Chateau Elan Subdivision all as more particularly shown on a plat of said subdivision recorded in Plat Book 102, pages 50 and 51, Gwinnett County Plat records, which plat is incorporated herein by reference thereto for a more complete description of said lot. Together with all buildings, structures, and other improvements now or hereafter located on said property, or any part and parcel thereof. Reference is made to Certificate of Name Change from Athens First Bank & Trust Company to AFB&T recorded in Deed Book 48878, page 148 in said Clerk's Office. The debt secured by the Security Deed has been and is hereby declared due because of, among other possible events of default, nonpayment of amounts due on said loan when due, and the loan having matured by its terms and not been paid. Said default not being cured, and the debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of the sale, including accrued attorney's fees. Said property will be sold by AFB&T, formerly known as Athens First Bank & Trust Company, subject to any outstanding ad valorem taxes and/or assessments, and matters of record, if any, having priority over the Security Deed. To the best of the knowledge and belief of AFB&T, formerly known as Athens First Bank & Trust Company, the person in possession of the property known as 5749 Legends Club Circle, Braselton, Georgia 30517 is Patriot Builders, LLC or persons claiming under it. The name, address and telephone number of the individual or entity who has full authority to negotiate, amend and modify all terms of the Security Deed is Ms. Lori Martin, Vice President, AFB&T, Mailing address: AFB&T, Attention: Lori Martin, Post Office Box 1747, Athens, Georgia 30603; Physical Address: AFB&T, Attention: Lori Martin, 150 West Hancock Avenue, Athens, Georgia 30601; Telephone number: (706) 357-7015, provided however, AFB&T is not required to negotiate, amend or modify the terms of the Security Deed. Said property will be sold and deed executed by the undersigned to the purchaser and the proceeds of sale applied by the undersigned, all as provided in said power of sale and the Security Deed containing said power. AFB&T, formerly known as Athens First Bank & Trust Company, as Attorney in Fact for Patriot Builders, LLC DARREL BEGNAUD BEGNAUD & MARSHALL, LLP Post Office Box 8085 Athens, Georgia 30603 950-06599500,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY. By virtue of power of sale contained in Commercial Deed to Secure Debt and Security Agreement dated November 22, 2006 from Patriot Builders, LLC to AFB&T, a Georgia state bank , recorded in Deed Book 47285, page 0445 in the Office of the Clerk of the Superior Court of Gwinnett County, Georgia (hereinafter "Security Deed"), said Security Deed securing a note dated February 26, 2008 in the original principal amount of $663,700.00 with interest from date at the rate specified in the 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 in Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: ALL THAT TRACT OR PARCEL OF LAND situate lying and being in Gwinnett County, Georgia, and being more particularly described in Exhibit "A" attached hereto and by this reference made a part hereof. EXHIBIT "A" All that tract or parcel of land lying and being in the Duncan's G.M.D. #1749, Gwinnett County, Georgia and being designated as Lot 61 of The Woodlands at Chateau Elan, Phase 7-A, as shown on plat of survey entitled, "Final Plat for The Woodlands at Chateau Elan, Phase 7-A," prepared by Moreland Altobelli Associates, Inc., certified by Susan S. Anderson, GRLS No. 2933, dated April 17, 2005, and being of record in the Office of the Clerk of Superior Court for Gwinnett County, Georgia in Plat Book 115, pages 53-55, which said plat and the recording thereof are incorporated herein and made a part hereof by reference. Together with all buildings, structures, and other improvements now or hereafter located on said property, or any part and parcel thereof. Reference is made to Certificate of Name Change from Athens First Bank & Trust Company to AFB&T recorded in Deed Book 48878, page 148 in said Clerk's Office. The debt secured by the Security Deed has been and is hereby declared due because of, among other possible events of default, nonpayment of amounts due on said loan when due, and the loan having matured by its terms and not been paid. Said default not being cured, and the debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of the sale, including accrued attorney's fees. Said property will be sold by AFB&T, a Georgia state bank, subject to any outstanding ad valorem taxes and/or assessments, and matters of record, if any, having priority over the Security Deed. To the best of the knowledge and belief of AFB&T, a Georgia state bank, the person in possession of the property known as 2404 Northern Oak Drive, Braselton, Georgia 30517 is Patriot Builders, LLC or persons claiming under it. The name, address and telephone number of the individual or entity who has full authority to negotiate, amend and modify all terms of the Security Deed is Ms. Lori Martin, Vice President, AFB&T, Mailing address: AFB&T, Attention: Lori Martin, Post Office Box 1747, Athens, Georgia 30603; Physical Address: AFB&T, Attention: Lori Martin, 150 West Hancock Avenue, Athens, Georgia 30601; Telephone number: (706) 357-7015, provided however, AFB&T is not required to negotiate, amend or modify the terms of the Security Deed. Said property will be sold and deed executed by the undersigned to the purchaser and the proceeds of sale applied by the undersigned, all as provided in said power of sale and the Security Deed containing said power. AFB&T, a Georgia state bank, as Attorney in Fact for Patriot Builders, LLC DARREL BEGNAUD BEGNAUD & MARSHALL, LLP Post Office Box 8085 Athens, Georgia 30603 950-06599501,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Craig R. Patterson to Mortgage Electronic Registration Systems, Inc. , dated November 17, 2006, recorded in Deed Book 47317, Page 276, Gwinnett County, Georgia Records, as last transferred to Wells Fargo Bank, N.A., as Trustee by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED ELEVEN THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($211,500.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 150, 7th District, Gwinnett COunty, GA, being Lot 25, Block A, Unit II, Peachtree Horizon Subdivision, as per plat recorded in Plat Book 74, Page 162, Gwinnett County, GA Records, which plat is incorporated herein and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorneys 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 Craig R. Patterson or a tenant or tenants and said property is more commonly known as 3130 Ridge Oak Drive, Suwanee, Georgia 30024. 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 as Attorney in Fact for Craig R. Patterson McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jm6 1/6/09 Our file no. 52630908-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594123,12/11.18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from PAUL THOMAS CONSTRUCTION, LLC to UNITED COMMUNITY BANK, dated August 3, 2006, recorded August 22, 2006, in Deed Book 46922, Page 208, Gwinnett County, Georgia records, as modified by Amendment to Security Deeds dated January 10, 2008, recorded in Deed Book 48869, Page 378, Gwinnett County, Georgia records, said Security Deed being given to secure a Note from PAUL THOMAS CONSTRUCTION, LLC, as amended, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying in or being in Land Lot 311, 5th Land District, City of Dacula, Gwinnett County, Georgia, being more particularly described as follows: Beginning at the southeastern most corner of a mitered right-of-way intersection of Harbins Road (R/W varies) and Summit Valley Drive (R/W varies), thence North 48 degrees 25 minutes 07 seconds East for a distance of 290.80 feet, to a 1/2 inch rebar set, thence South 51 degrees 10 minutes 41 seconds East for a distance of 70.00 feet, to a 1/2 inch rebar set, said point being the True Point of Beginning. Thence North 38 degrees 49 minutes 19 seconds East a distance of 100.00 feet, to a 1/2 inch rebar set; Thence South 51 degrees 10 minutes 41 seconds East a distance of 51.10 feet, to a point; Thence with a curve turning to the left with an arc length of 16.74 feet, with a radius of 175.00 feet, with a chord bearing of South 53 degrees 55 minutes 08 seconds East, with a chord length of 16.74 feet, to a 1/2 inch rebar set; Thence South 33 degrees 20 minutes 24 seconds West a distance of 101.26 feet, to a 1/2 inch rebar set; Thence North 51 degrees 10 minutes 41 seconds West a distance of 77.50 feet, to a 1/2 inch rebar set; said point being the True Point of Beginning. Together with and subject to covenants, easements, and restrictions of record. Said property contains 7,274 square feet, 0.17 acres more or less and being more fully shown as Lot 2, on the Final Plat of Harbins Landing Estates, Phase 1 prepared for Clark and Walters LLC, by Chris Clark Surveying, dated 8-3-06. AND All that tract or parcel of land lying in or being in Land Lot 311, 5th Land District,City of Dacula, Gwinnett County, Georgia, being more particularly described as follows: Beginning at the southeastern most corner of a mitered right-of-way intersection of Harbins Road (R/W varies) and Summit Valley Drive (R/W varies), thence North 48 degrees 25 minutes 07 seconds East for a distance of 290.80 feet, to a 1/2 inch rebar set, thence South 51 degrees 10 minutes 41 seconds East for a distance of 147.50 feet, to a 1/2 inch rebar set, said point being the True Point of Beginning. Thence North 33 degrees 20 minutes 24 seconds East a distance of 101.26 feet, to a 1/2 inch rebar set; Thence with a curve turning to the left with an arc length of 75.46 feet, with a radius of 175.00 feet, with a chord bearing of South 69 degrees 00 minutes 45 seconds East, with a chord length of 74.87 feet, to a 1/2inch rebar set; Thence South 08 degrees 38 minutes 07 seconds West a distance of 140.81 feet, to a 1/2 inch rebar set; Thence North 52 degrees 17 minutes 14 seconds West a distance of 104.26 feet, to a 1/2 inch rebar set; Thence North 51 degrees 10 minutes 41 seconds West a distance of 28.16 feet, to a 1/2 inch rebar set; said point being the True Point of Beginning. Together with and subject to covenants, easements, and restrictions of record. Said property contains 11,658 square feet, 0.27 acres more or less and being more fully shown as Lot 3, on the final plat of Harbins Landing Estates, Phase 1 prepared for Clark and Walters LLC, by Chris Clark Surveying, dated 8-3-06. Including the following: (i) all sums of Grantor on deposit with Grantee from time to time (the "Deposits"); (ii) if the Land is to be subdivided into lots, all income received from the sale of such lots (the "Lot Sales Income"); (iii) all fixtures and personal property included (whether generally or specifically) in the definition of "Premises" set forth hereinabove and now or hereafter acquired by Grantor, and all replacements, substitutions and additions thereto (the "Fixtures and Personalty"); (iv) all plans, specifications, drawings, surveys, contracts (including contracts with general contractors and architects) and subcontracts related to the improvement and development of the Premises (the "Improvement Documents"); and (v) all proceeds (including cash proceeds and proceeds of proceeds) of all of the foregoing (all such Deposits, Lot Sales Income, Fixtures and Personalty, Improvement Documents and proceeds are collectively referred to herein as the "Collateral"). The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, 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 PAUL THOMAS CONSTRUCTION, LLC or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for PAUL THOMAS CONSTRUCTION, LLC L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 7484A-00819 950-06599563,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from PAUL THOMAS CONSTRUCTION, LLC to UNITED COMMUNITY BANK, dated May 31, 2007, recorded June 4, 2007, in Deed Book 47949, Page 38, Gwinnett County, Georgia records, as modified by Amendment to Security Deeds dated January 10, 2008, recorded in Deed Book 48869, Page 378, Gwinnett County, Georgia records, said Security Deed being given to secure a Note from PAUL THOMAS CONSTRUCTION, LLC dated May 31, 2007 in the original principal amount of Two Hundred Thirty One Thousand Six Hundred Forty Five and No/100 ($231,645.00) Dollars, as amended, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lots 298 and 311 of the 5th District, Gwinnett County, Georgia, being Lot 6, Harbins Landing Estates, Phase 1, as per plat recorded in Plat Book 116, Pages 74-78, Gwinnett County, Georgia records, said plat being incorporated herein by reference thereto. Including the following: (i) all sums of Grantor on deposit with Grantee from time to time (the "Deposits"); (ii) if the Land is to be subdivided into lots, all income received from the sale of such lots (the "Lot Sales Income"); (iii) all fixtures and personal property included (whether generally or specifically) in the definition of "Premises" set forth hereinabove and now or hereafter acquired by Grantor, and all replacements, substitutions and additions thereto (the "Fixtures and Personalty"); (iv) all plans, specifications, drawings, surveys, contracts (including contracts with general contractors and architects) and subcontracts related to the improvement and development of the Premises (the "Improvement Documents"); and (v) all proceeds (including cash proceeds and proceeds of proceeds) of all of the foregoing (all such Deposits, Lot Sales Income, Fixtures and Personalty, Improvement Documents and proceeds are collectively referred to herein as the "Collateral"). The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, 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 PAUL THOMAS CONSTRUCTION, LLC or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for PAUL THOMAS CONSTRUCTION, LLC L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 7484A-00820 950-06599564,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from PAUL THOMAS CONSTRUCTION, LLC to UNITED COMMUNITY BANK , dated May 25, 2007, recorded June 4, 2007, in Deed Book 47949, Page 54, Gwinnett County, Georgia records, as modified by Amendment to Security Deeds dated January 10, 2008, recorded May 27, 2008, in Deed Book 48869, Page 378, Gwinnett County, Georgia records, said Security Deed being given to secure a Note from PAUL THOMAS CONSTRUCTION, LLC dated May 25, 2007, as amended, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lots 298 and 311, of the 5th District, Gwinnett County, Georgia being Lots 10, 112 and 172, Harbins Landing Estates, Phase 1, as per plat recorded in Plat Book 116, Pages 74-78, Gwinnett County, Georgia records, which plat is incorporated herein by reference. Including the following: (i) all sums of Grantor on deposit with Grantee from time to time (the "Deposits"); (ii) if the Land is to be subdivided into lots, all income received from the sale of such lots (the "Lot Sales Income"); (iii) all fixtures and personal property included (whether generally or specifically) in the definition of "Premises" set forth hereinabove and now or hereafter acquired by Grantor, and all replacements, substitutions and additions thereto (the "Fixtures and Personalty"); (iv) all plans, specifications, drawings, surveys, contracts (including contracts with general contractors and architects) and subcontracts related to the improvement and development of the Premises (the "Improvement Documents"); and (v) all proceeds (including cash proceeds and proceeds of proceeds) of all of the foregoing (all such Deposits, Lot Sales Income, Fixtures and Personalty, Improvement Documents and proceeds are collectively referred to herein as the "Collateral"). The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, 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 PAUL THOMAS CONSTRUCTION, LLC or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for PAUL THOMAS CONSTRUCTION, LLC L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 7484A-00821 950-06599565,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from PAUL THOMAS CONSTRUCTION, LLC to UNITED COMMUNITY BANK , dated October 10, 2006, recorded October 12, 2006, in Deed Book 47129, Page 674, Gwinnett County, Georgia records, as modified by Amendment to Security Deeds dated January 10, 2008, recorded May 27, 2008, in Deed Book 48869, Page 378, Gwinnett County, Georgia records, said Security Deed being given to secure a Note from PAUL THOMAS CONSTRUCTION, LLC dated October 10, 2006, as amended, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lots 298 and 311 of the 5th District, Gwinnett County, Georgia, being Lots 11 and 105, Harbins Landing Estates, Phase I, as per plat recorded in Plat Book 116, Pages 74-78, Gwinnett County, Georgia records, said plat being incorporated herein by reference thereto. Including the following: (i) all sums of Grantor on deposit with Grantee from time to time (the "Deposits"); (ii) if the Land is to be subdivided into lots, all income received from the sale of such lots (the "Lot Sales Income"); (iii) all fixtures and personal property included (whether generally or specifically) in the definition of "Premises" set forth hereinabove and now or hereafter acquired by Grantor, and all replacements, substitutions and additions thereto (the "Fixtures and Personalty"); (iv) all plans, specifications, drawings, surveys, contracts (including contracts with general contractors and architects) and subcontracts related to the improvement and development of the Premises (the "Improvement Documents"); and (v) all proceeds (including cash proceeds and proceeds of proceeds) of all of the foregoing (all such Deposits, Lot Sales Income, Fixtures and Personalty, Improvement Documents and proceeds are collectively referred to herein as the "Collateral"). The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, 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 PAUL THOMAS CONSTRUCTION, LLC or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for PAUL THOMAS CONSTRUCTION, LLC L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 7484A-00822 950-06599567,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from PAUL THOMAS CONSTRUCTION, LLC to UNITED COMMUNITY BANK, dated February 14, 2007, recorded February 20, 2007, in Deed Book 47591, Page 625, Gwinnett County, Georgia records, as modified by Amendment to Security Deeds dated January 10, 2008, recorded in Deed Book 48869, Page 378, Gwinnett County, Georgia records, said Security Deed being given to secure a Note from PAUL THOMAS CONSTRUCTION, LLC dated February 14, 2007 in the original principal amount of Two Hundred Seventy One Thousand Three Hundred Eighty and No/100 ($271,380.00) Dollars, as amended, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 311 of the 5th District, Gwinnett County, Georgia, being Lot 113, Harbins Landing Estates, Phase I, as per plat recorded in Plat Book 116, Pages 74-78, Gwinnett County, Georgia records, said plat being incorporated herein by reference thereto. Including the following: (i) all sums of Grantor on deposit with Grantee from time to time (the "Deposits"); (ii) if the Land is to be subdivided into lots, all income received from the sale of such lots (the "Lot Sales Income"); (iii) all fixtures and personal property included (whether generally or specifically) in the definition of "Premises" set forth hereinabove and now or hereafter acquired by Grantor, and all replacements, substitutions and additions thereto (the "Fixtures and Personalty"); (iv) all plans, specifications, drawings, surveys, contracts (including contracts with general contractors and architects) and subcontracts related to the improvement and development of the Premises (the "Improvement Documents"); and (v) all proceeds (including cash proceeds and proceeds of proceeds) of all of the foregoing (all such Deposits, Lot Sales Income, Fixtures and Personalty, Improvement Documents and proceeds are collectively referred to herein as the "Collateral"). The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, 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 PAUL THOMAS CONSTRUCTION, LLC or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for PAUL THOMAS CONSTRUCTION, LLC L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 7484A-00823 950-06599566,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in a Security Deed from PAUL THOMAS CONSTRUCTION, LLC to UNITED COMMUNITY BANK, dated August 2, 2007, recorded August 7, 2007, in Deed Book 48162, Page 108, Gwinnett County, Georgia records, as modified by Amendment to Security Deeds, dated January 10, 2008, recorded May 27, 2008, in Deed Book 48869, Page 378, Gwinnett County, Georgia records, said Security Deed being given to secure a Note from PAUL THOMAS CONSTRUCTION, LLC dated August 2, 2007, as amended, with interest from date at a rate per cent per annum 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lots 298 and 311, of the 5th District, Gwinnett County, Georgia being Lots 131, 148 and 161 , Block A, Harbins Landing Estates, Phase 2, as per plat recorded in Plat Book 120, Pages 90-92, Gwinnett County, Georgia records, which plat is incorporated herein by reference. Including the following: (i) all sums of Grantor on deposit with Grantee from time to time (the "Deposits"); (ii) if the Land is to be subdivided into lots, all income received from the sale of such lots (the "Lot Sales Income"); (iii) all fixtures and personal property included (whether generally or specifically) in the definition of "Premises" set forth hereinabove and now or hereafter acquired by Grantor, and all replacements, substitutions and additions thereto (the "Fixtures and Personalty"); (iv) all plans, specifications, drawings, surveys, contracts (including contracts with general contractors and architects) and subcontracts related to the improvement and development of the Premises (the "Improvement Documents"); and (v) all proceeds (including cash proceeds and proceeds of proceeds) of all of the foregoing (all such Deposits, Lot Sales Income, Fixtures and Personalty, Improvement Documents and proceeds are collectively referred to herein as the "Collateral"). The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, 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 PAUL THOMAS CONSTRUCTION, LLC or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for PAUL THOMAS CONSTRUCTION, LLC L. Lou Allen Stites & Harbison, PLLC 11 Mountain Street, Suite 8 Blue Ridge, Georgia 30513 (706) 632-7923 File No. 7484A-00824 950-06599568,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER STATE OF GEORGIA COUNTY OF GWINNETT By virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement, dated August 28, 2007 from PAUL THOMAS CONSTRUCTION, LLC., a Georgia limited liability company ("Grantor"), to BANK OF AMERICA, N.A., a national banking association ("Grantee") , recorded August 30, 2007 in Deed Book 48230, Page 816, Gwinnett County, Georgia Superior Court Records (said Deed to Secure Debt and Security Agreement as may have been modified and assigned from time to time, hereinafter referred to collectively as the "Security Deed"), said Security Deed being given to secure the payment of that certain Promissory Note dated August 28, 2007, made by Grantor to the order of Grantee in the original principal amount of SEVEN HUNDRED FIFTY THOUSAND AND 00/100 DOLLARS ($750,000.00), with interest from the date thereof at the rate specified therein (said Promissory Note, as modified and assigned from time to time, hereinafter referred to collectively as the "Note"), together with all other amounts payable by Grantor to Grantee, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday of January, 2009, the following described property, to-wit: All that certain tract or parcel of land (the "Land") lying and being in Gwinnett County, Georgia and being more particularly described on Exhibit "A" attached hereto and incorporated herein by this reference; EXHIBIT "A" LEGAL DESCRIPTION All that tract or parcel of land lying and being in Land Lot 147, 7th District, Gwinnett County, Georgia, being known as Lots 24, 25, 26 and 27, Block A, Laurel Landing Subdivision, as per plat recorded at Plat Book 112, Pages 228-229, Gwinnett County, Georgia records, said plat being incorporated herein by reference thereto. Together with all buildings, structures and other improvements located on the Land hereinbefore described, or any part and parcel thereof; and Together with all rights, title and interest of Grantor in and to the minerals, flowers, shrubs, crops, trees, timber and other emblements on the Land or above the same or any part or parcel thereof; and Together with all and singular the tenements, hereditaments, easements and appurtenances thereunto belonging or in any wise appertaining, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof, and also all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same and of, in and to every part and parcel thereof; and Together with all machinery, apparatus, equipment, fittings, fixtures, whether actually or constructively attached to said premises and including all trade, domestic and ornamental fixtures, and articles of personal premises of every kind and nature whatsoever (hereinafter collectively called "Equipment") located in, upon or under said Land or any part thereof and used or usable in connection with any present or future operation of said premises and owned or acquired by Grantor, including, but without limited the generality of the foregoing, all heating, air conditioning, freezing, lighting, laundry, incinerating and power equipment; engines; pipes; pumps; tanks; motors; conduits; switchboards; plumbing, lifting, cleaning, fire prevention, fire extinguishing, refrigerating, ventilating and communications apparatus; boilers, ranges, furnaces, oil burners or units thereof; appliances, air-cooling and air-conditioning apparatus; vacuum cleaning systems; elevators; escalators; shades; awnings; screens; storm doors and windows; stoves; wall beds; refrigerators; attached cabinets; partitions; ducts and compressors; rugs and carpets, draperies; furniture and furnishings in commercial, institutional and industrial buildings together with all building materials and equipment delivered to the premises and intended to be installed therein; together with all additions thereto and replacements thereof; and Together with any and all rents which are due by reason of the renting, leasing and bailments of premises improvements thereon and Equipment; and Together with any and all awards or payments, including interest thereon, and the right to receive the same, as a result of (a) the exercise of the right of eminent domain, (b) the alteration of the grade of any street, or (c) any other injury to, taking of, or decrease in the value of, the premises, to the extent of all amounts which may be secured by the Security Deed at the date of receipt of any such award or payment by Grantee and of the reasonable attorney's fees, costs and disbursements incurred by Grantee in connection with the collection of such award or payment. The Land and all of the foregoing are referred to herein as the "Property." The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed including, but not limited, to the failure to make payments thereunder when due. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale and all other payments provided for under the Security Deed, including attorneys' fees as provided in the Note and Security Deed, notice of intention to collect attorneys' fees having been given as provided by law, and the remainder, if any, shall be applied as provided by law. Grantee reserves the right to sell the Property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed. To the best of Grantee's knowledge and belief, the parties in possession of the Property are Grantor and/or tenants of Grantor or other persons in possession with the consent or acquiescence of Grantor. Said Property will be sold as the property of Grantor subject to all unpaid real estate ad valorem taxes, governmental assessments and related liens and all prior restrictions, reservations, covenants, rights-of-way, easements, encumbrances and other matters of record, if any, appearing of record prior to the date of the Security Deed and those appearing after the date of the Security Deed and consented to of record by Grantee. BANK OF AMERICA, N.A., ATTORNEY-IN-FACT FOR PAUL THOMAS CONSTRUCTION, LLC Taylor, Busch, Slipakoff & Duma, LLP 1600 Parkwood Circle, Suite 200 Atlanta, Georgia 30339 Attn: Marc D. Glenn, Esq. (678) 336-7175 950-06599570,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER STATE OF GEORGIA COUNTY OF GWINNETT By virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement, dated August 28, 2007 from PAUL THOMAS CONSTRUCTION, LLC., a Georgia limited liability company ("Grantor"), to BANK OF AMERICA, N.A., a national banking association ("Grantee") , recorded August 30, 2007 in Deed Book 48230, Page 816, Gwinnett County, Georgia Superior Court Records (said Deed to Secure Debt and Security Agreement as may have been modified and assigned from time to time, hereinafter referred to collectively as the "Security Deed"), said Security Deed being given to secure the payment of that certain Promissory Note dated August 28, 2007, made by Grantor to the order of Grantee in the original principal amount of SEVEN HUNDRED FIFTY THOUSAND AND 00/100 DOLLARS ($750,000.00), with interest from the date thereof at the rate specified therein (said Promissory Note, as modified and assigned from time to time, hereinafter referred to collectively as the "Note"), together with all other amounts payable by Grantor to Grantee, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday of January, 2009, the following described property, to-wit: All that certain tract or parcel of land (the "Land") lying and being in Gwinnett County, Georgia and being more particularly described on Exhibit "A" attached hereto and incorporated herein by this reference; EXHIBIT "A" LEGAL DESCRIPTION All that tract or parcel of land lying and being in Land Lot 147, 7th District, Gwinnett County, Georgia, being known as Lots 24, 25, 26 and 27, Block A, Laurel Landing Subdivision, as per plat recorded at Plat Book 112, Pages 228-229, Gwinnett County, Georgia records, said plat being incorporated herein by reference thereto Together with all buildings, structures and other improvements located on the Land hereinbefore described, or any part and parcel thereof; and Together with all rights, title and interest of Grantor in and to the minerals, flowers, shrubs, crops, trees, timber and other emblements on the Land or above the same or any part or parcel thereof; and Together with all and singular the tenements, hereditaments, easements and appurtenances thereunto belonging or in any wise appertaining, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof, and also all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same and of, in and to every part and parcel thereof; and Together with all machinery, apparatus, equipment, fittings, fixtures, whether actually or constructively attached to said premises and including all trade, domestic and ornamental fixtures, and articles of personal premises of every kind and nature whatsoever (hereinafter collectively called "Equipment") located in, upon or under said Land or any part thereof and used or usable in connection with any present or future operation of said premises and owned or acquired by Grantor, including, but without limited the generality of the foregoing, all heating, air conditioning, freezing, lighting, laundry, incinerating and power equipment; engines; pipes; pumps; tanks; motors; conduits; switchboards; plumbing, lifting, cleaning, fire prevention, fire extinguishing, refrigerating, ventilating and communications apparatus; boilers, ranges, furnaces, oil burners or units thereof; appliances, air-cooling and air-conditioning apparatus; vacuum cleaning systems; elevators; escalators; shades; awnings; screens; storm doors and windows; stoves; wall beds; refrigerators; attached cabinets; partitions; ducts and compressors; rugs and carpets, draperies; furniture and furnishings in commercial, institutional and industrial buildings together with all building materials and equipment delivered to the premises and intended to be installed therein; together with all additions thereto and replacements thereof; and Together with any and all rents which are due by reason of the renting, leasing and bailments of premises improvements thereon and Equipment; and Together with any and all awards or payments, including interest thereon, and the right to receive the same, as a result of (a) the exercise of the right of eminent domain, (b) the alteration of the grade of any street, or (c) any other injury to, taking of, or decrease in the value of, the premises, to the extent of all amounts which may be secured by the Security Deed at the date of receipt of any such award or payment by Grantee and of the reasonable attorney's fees, costs and disbursements incurred by Grantee in connection with the collection of such award or payment. The Land and all of the foregoing are referred to herein as the "Property." The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed including, but not limited, to the failure to make payments thereunder when due. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale and all other payments provided for under the Security Deed, including attorneys' fees as provided in the Note and Security Deed, notice of intention to collect attorneys' fees having been given as provided by law, and the remainder, if any, shall be applied as provided by law. Grantee reserves the right to sell the Property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed. To the best of Grantee's knowledge and belief, the parties in possession of the Property are Grantor and/or tenants of Grantor or other persons in possession with the consent or acquiescence of Grantor. Said Property will be sold as the property of Grantor subject to all unpaid real estate ad valorem taxes, governmental assessments and related liens and all prior restrictions, reservations, covenants, rights-of-way, easements, encumbrances and other matters of record, if any, appearing of record prior to the date of the Security Deed and those appearing after the date of the Security Deed and consented to of record by Grantee. BANK OF AMERICA, N.A., ATTORNEY-IN-FACT FOR PAUL THOMAS CONSTRUCTION, LLC Taylor, Busch, Slipakoff & Duma, LLP 1600 Parkwood Circle, Suite 200 Atlanta, Georgia 30339 Attn: Marc D. Glenn, Esq. (678) 336-7175 950-07594322,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Eric E. Payne to Argent Mortgage Company, LLC, dated February 25, 2005, recorded in Deed Book 41904, Page 86, Gwinnett County, Georgia Records, as last transferred to WELLS FARGO BANK, N.A. as Trustee under POOLING AND SERVICING AGREEMENT Dated as of April 1, 2005 Asset-Backed Pass-Through Certificates Series 2005-WHQ2 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED SEVENTY-ONE THOUSAND SEVEN HUNDRED SIXTY AND 0/100 DOLLARS ($271,760.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 231 of the 7th District, Gwinnett County, Georgia, being Lot 15, Block C, Morningbrooke (fka Suwanee Preserve) Subdivision, Unit 3, as per Plat recorded in Plat Book 101, Page 291, Gwinnett County, Georgia records, which Plat is incorporated herein by reference and made a part of this description. 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). HomEq Servicing Corporation can be contacted at 877-867-7378 or by writing to 1100 Corporate Center Drive, Attn: NC 4743, Raleigh, NC 27607, 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 assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Eric E. Payne or a tenant or tenants and said property is more commonly known as 4264 Brogdan Farm Court, Buford, Georgia 30518. 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 under POOLING AND SERVICING AGREEMENT Dated as of April 1, 2005 Asset-Backed Pass-Through Certificates Series 2005-WHQ2 as Attorney in Fact for Eric E. Payne Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/gxw 1/6/09 Our file no. 11680408-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599370,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER STATE OF GEORGIA COUNTY OF GWINNETT By virtue of Power of Sale contained in the Deed to Secure Debt and Security Agreement from Margolias-Northeast, LLC, a Georgia limited liability company, to GMAC Commercial Mortgage Corporation, a California corporation, dated October 20, 1998, recorded in Deed Book 16993, Page 21, Gwinnett County, Georgia records, as assigned to Norwest Bank Minnesota, National Association ("Norwest"; Norwest was succeeded by Wells Fargo Bank Minnesota, N.A.; Wells Fargo Bank Minnesota, N.A. was succeeded by merger with Wells Fargo Bank, N.A., the "Holder"), as Trustee for the Registered Holders of GMAC Commercial Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 1999-C1 by that certain Assignment of Deed of Trust, Security Agreement, Fixture Filing and Assignment of Assignment of Leases and Rents dated February 25, 1999 and recorded in Deed Book 18378, Page 54, aforesaid records, as assumed by Peachtree NE Partners, LLC, a Georgia limited liability company ("Debtor"), by that certain Deed to Secure Debt, Note, and Other Loan Documents Assumption and Modification Agreement dated March 30, 2000, and recorded in Deed Book 20283, Page 181, aforesaid records (the Deed to Secure Debt and Security Agreement, as assigned and assumed, is hereinafter referred to as the "Security Deed"), said Security Deed being given to secure a Promissory Note dated as of October 20, 1998, in the original principal amount of TWO MILLION ONE HUNDRED THIRTY THOUSAND AND 00/100 DOLLARS ($2,130,000.00), as endorsed to Norwest pursuant to an Allonge, with interest from the date thereof at the rate specified therein (the Promissory Note, as endorsed, being hereinafter referred to as the "Note"), together with any and all other indebtedness owing by Debtor to Holder, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 252 the 6th District of Gwinnett County, Georgia, as more particularly described on Exhibit "A", attached hereto and by reference made a part hereof (the "Land"); EXHIBIT "A" All that tract or parcel of land lying and being in Land Lot 252, 6th District of Gwinnett County, Georgia, and being more particularly described as follows: Beginning at the point of intersection (if projected) of the West R/W of Jimmy Carter Boulevard (100' R/W) (formerly known as Jones Mill Road) with the South R/W of Atlantic Boulevard (100' R/W), thence South 29 degrees 28 minutes 46 seconds East a distance of 25.68 feet to the True Point of Beginning; thence run along said West right-of-way line of said Jimmy Carter Boulevard South 29 degrees 28 minutes 46 seconds East a distance of 326.31 feet to a point; thence continue along said right-of-way line South 30 degrees 22 minutes 27 seconds East a distance of 14.73 feet to a point on the centerline of a railroad tract; thence following said centerline an arc distance of 561.72 feet, said arc having a radius of 470.00 feet and being subtended by a chord of South 19 degrees 07 minutes 20 seconds West a distance of 528.88 feet to an iron pin found; thence continue along said centerline the following courses and distances: South 15 degrees 39 minutes 38 seconds East a distance of 70.12 feet to a point; thence South 22 degrees 33 minutes 29 seconds East a distance of 460.41 feet to a point; thence South 24 degrees 51 minutes 27 seconds East a distance of 225.78 feet to a point; thence South 27 degrees 06 minutes 32 seconds East a distance of 209.61 feet to a point; said point located on the centerline of a 250 foot Georgia Power Company easement; thence leave said centerlines North 31 degrees 26 minutes 44 seconds West a distance of 198.15 feet to a point; thence North 62 degrees 07 minutes 55 seconds West a distance of 9.26 feet to a point; thence North 22 degrees 48 minutes 10 seconds West a distance of 63.06 feet to a point; thence North 25 degrees 46 minutes 02 seconds West a distance of 65.21 feet to a point; thence North 29 degrees 01 minutes 22 seconds West a distance of 100.00 feet to a point; thence North 25 degrees 16 minutes 00 seconds West a distance of 8O.29 feet to a point; thence North 22 degrees 37 minutes 53 seconds West a distance of 275.91 feet to a point; thence North 22 degrees 36 minutes 32 seconds West a distance of 251.22 feet to a point; thence North 22 degrees 31 minutes 53 seconds West a distance of 242.50 feet to a point; thence North 23 degrees 42 minutes 10 seconds West a distance of 108.90 feet to a point; thence North 26 degrees 01 minutes 26 seconds West a distance of 114.89 feet to a point; thence North 22 degrees 42 minutes 20 seconds West a distance of 92.01 feet to a point; thence North 25 degrees 32 minutes 10 seconds West a distance of 74.40 feet to a point on the South right-of-way of Atlantic Boulevard; thence run along said right-of-way line of said Atlantic Boulevard North 59 degrees 00 minutes 50 seconds East a distance of 16.14 feet to a point; thence continue along said right-of-way line North 58 degrees 58 minutes 30 seconds East a distance of 321.31 feet to a point; thence continue along said right-of-way line an arc distance of 39.95 feet to the True Point of Beginning, said arc having a radius of 25.00 feet and being subtended by a chord of south 75 degrees 15 minutes 08 seconds East a distance of 35.83 feet. Said tract or parcel of land containing 4.713 acres as shown on that certain survey entitled "ALTA/ACSM Survey of Peachtree Northeast Business Park for GMAC Commercial Mortgage Corp., The Margolias - Northeast, LLC and The Chicago Title Insurance Company", prepared by Grant Shepherd & Associates, bearing the seal and certification of Seaton G. Shepherds, Jr., Georgia Registered Land Surveyor Number 2136, dated September 8, 1998, last revised October 12, 1998. Together with (the Land together with (a) through (m) hereafter, the "Property"): (a) All additional lands, estates and development rights acquired by Debtor for use in connection with the Land and the development of the Land that may be expressly made subject to the lien and security title of the Security Deed; (b) The buildings, structures, fixtures, additions, enlargements, extensions, modifications, repairs, replacements and improvements erected or located on the Land (the "Improvements"); (c) All easements, rights-of-way or use, rights, strips and gores of land, streets, ways, alleys, passages, sewer rights, water, water courses, water rights and powers, air rights and development rights, and all estates, rights, titles, interests, privileges, liberties, servitudes, tenements, hereditaments and appurtenances of any nature whatsoever, in any way belonging, relating or pertaining to the Land and the Improvements and the reversion and reversions, remainder and remainders, and all land lying in the bed of any street, road or avenue, opened or proposed, in front of or adjoining the Land, to the center line thereof and all the estates, rights, titles, interests, dower and rights of dower, curtesy and rights of curtesy, property, possession, claim and demand whatsoever, both at law and in equity, of Debtor of, in and to the Land and the Improvements and every part and parcel thereof, with the appurtenances thereto; (d) All machinery, equipment, fixtures (including, but not limited to all heating, air conditioning, plumbing, lighting, communications and elevator fixtures) and other property of every kind and nature whatsoever owned by Debtor, or in which Debtor has or shall have an interest, located upon the Land or the Improvements, or appurtenant thereto, and used in connection with the operation and occupancy of the Land and the Improvements and all building equipment, materials and supplies of any nature whatsoever owned by Debtor, or in which Debtor has an interest, located upon the Land and the Improvements, or appurtenant thereto, or used in connection with the operation and occupancy of the Land and the Improvements (collectively, the "Personal Property"), and the right, title and interest of Debtor in and to any of the Personal Property which may be subject to any security interests, as defined in the Uniform Commercial Code, as adopted and enacted by the state or states where any of the Property is located (the "Uniform Commercial Code"), superior in lien to the lien of the Security Deed and all proceeds and products of the above; (e) All leases and other agreements affecting the use, enjoyment or occupancy of all or any part of the Land or the Improvements entered into whether before or after the filing by or against Debtor of any petition for relief under 11 U.S.C. 101 et seq. (the "Bankruptcy Code"), as the same may be amended from time to time (the "Leases") and all right, title and interest of Debtor, its successors and assigns therein and thereunder, including, without limitation, all guarantees, letters of credit and any other credit support given by any guarantor in connection therewith, cash or securities deposited under the Leases to secure the performance by the lessees of their obligations thereunder and all rents, additional rents, revenues, issues and profits (including all oil and gas or other mineral royalties and bonuses) from the Land and the Improvements whether paid or accruing before or after the filing by or against Debtor of any petition for relief under the Bankruptcy Code (the "Rents") and all proceeds from the sale or other disposition of the Leases and the right to receive and apply the Rents to the payment of the Debt (as defined in the Security Deed); (f) All awards or payments, including interest thereon, which may be made with respect to the Property, whether from the exercise of the right of eminent domain (including, but not limited to any transfer made in lieu of or in anticipation of the exercise of the right), or for a change of grade, or for any other injury to or decrease in the value of the Property; (g) All proceeds of and any unearned premiums on any insurance policies covering the Property, including, without limitation, the right to receive and apply the proceeds of any insurance judgments, or settlements made in lieu thereof, for damage to the Property; (h) All refunds, rebates or credits in connection with a reduction in real estate taxes and assessments charged against the Property as a result of tax certiorari or any applications or proceedings for reduction; (i) The right, in the name and on behalf of Debtor, to commence any action or proceeding to protect the interest of Holder in the Property and while an Event of Default (as such term is defined in the Security Deed) remains uncured, to appear in and defend any action or proceeding brought with respect to the Property; (j) All agreements, Contracts, certificates, instruments, franchises, permits, licenses, plans, specifications and other documents, entered into, and all rights therein and thereto, respecting or pertaining to the use, occupation, construction, management or operation of the Land and any part thereof and any Improvements or respecting any business or activity conducted on the Land and any part thereof and all right, title and interest of Debtor therein and thereunder, including, without limitation, the right, while an Event of Default remains uncured, to receive and collect any sums payable to Debtor thereunder; (k) All accounts, escrows, chattel paper, claims, deposits, trade names, trademarks, servicemarks, logos, copyrights, goodwill, books and records and all other general intangibles specific to or used in connection with the operation of the Property, if any; (l) All proceeds of the conversion, voluntary or involuntary, of any of the foregoing including, without limitation, proceeds of insurance and condemnation awards, into cash or liquidation claims; and (m) Any and all other rights of Debtor in and to the items set forth in (a) through (l) above. The indebtedness secured by the Security Deed has been and is hereby declared due because of default under the terms of said Note and Security Deed including but not limited to the nonpayment of principal and interest when due. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale and all other payments provided for under the Security Deed, including attorneys' fees as provided in the Note and Security Deed, notice of intention to collect attorneys' fees having been given as provided by law; and the remainder, if any, shall be applied as provided by law. Holder reserves the right to sell the Property in one parcel and as an entirety, or in such parcels as Holder may elect, as permitted in the Security Deed. To the best of Holder's knowledge, the parties in possession of the Land are tenants holding under Debtor. Said property will be sold as the property of Debtor subject to all unpaid real estate ad valorem taxes and governmental assessments and to all prior restrictions, rights-of-way, and easements of record, if any, appearing of record prior to the date of the Security Deed and those appearing after the date of the Security Deed and consented to by the grantee therein. Wells Fargo Bank, N.A., as Trustee for the Registered Holders of GMAC Commercial Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 1999-C1, as ATTORNEY-IN-FACT FOR PEACHTREE NE PARTNERS, LLC, a Georgia limited liability company POWELL GOLDSTEIN LLP Johnny D. Latzak, Jr., Esq. One Atlantic Center Fourteenth Floor 1201 West Peachtree Street, NW Atlanta, Georgia 30309 (404) 572-6600 5318327_1.DOC 950-07594323,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER IN SECURITY DEED STATE OF GEORGIA COUNTY OF GWINNETT Under and by virtue of the Power of Sale contained in that Security Deed from Jorge Arias Pedraza and Arely Arias Pedraza to Phoenix Global Mortgage Corporation dated December 14, 2005, recorded in Deed Book 46056, Page 266 and re-recorded in Deed Book 46673, Page 596, in the offices of the Clerk of the Superior Court of Gwinnett County, Georgia (the "Security Deed") as assigned to United Americas Bank, N.A . by virtue of Assignment dated December 14, 2005, recorded in Deed Book 46056, Page 287 and re-recorded in Deed Book 46673, Page 617, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Gwinnett County, Georgia, during the legal hours of sale, on the first Tuesday in January 2009 to the highest and best bidder for cash the following described real property, to wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 157, OF THE 6TH LAND DISTRICT OF GWINNETT COUNTY, GEORGIA, BEING KNOWN AND DESIGNATED AS LOT 8, BLOCK "D" OF BRADSTONE SUBDIVISION, UNIT TWO, GWINNETT COUNTY, GEORGIA RECORDS AS MORE PARTICULARLY DESCRIBED ON A PLAT SURVEY RECORDED AT PLAT BOOK 91, PAGE 2, GWINNETT COUNTY, GEORGIA RECORDS, REFERENCE TO SAID PLAT OF SURVEY AND THE RECORD THEREOF BEING HEREBY MADE FOR A MORE LEGAL DESCRIPTION. The debt secured by the Security Deed is evidenced by an Adjustable Rate Note dated December 14, 2005 executed by Jorge Arias Pedraza in favor of Phoenix Global Mortgage Corporation in the original principal amount of $189,500.00, as modified and/or amended from time to time (the "Note"), plus interest from date on the unpaid balance until paid, and other indebtedness. United Americas Bank, N.A. is the present owner and holder of the Note and Security Deed. Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms. 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 attorneys' fees, notice of intent to collect attorneys' fees having been given. Said property will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the property, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. 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 audit and confirmation of the status of the loan with the holder of the Security Deed. To the best of the undersigned's knowledge and belief, the real property is presently owned by Jorge Arias Pedraza and Arely Arias Pedraza. To the best of the undersigned's knowledge and belief, the parties in possession of the real property are Jorge Arias Pedraza and Arely Arias Pedraza, and tenants holding under Jorge Arias Pedraza and Arely Arias Pedraza. United Americas Bank, N.A., successor in interest to Phoenix Global Mortgage Corporation, as Attorney-in-Fact for Jorge Arias Pedraza and Arely Arias Pedraza. Michael R. Wing Greenberg Traurig, LLP The Forum 3290 Northside Parkway, N.W., Suite 400 Atlanta, Georgia 30327 (678) 553-2100 THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599408,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Daniel V. Peek to Mortgage Electronic Registration Systems, Inc. , dated April 29, 2005, recorded in Deed Book 42775, Page 239, Gwinnett County, Georgia Records, as last transferred to LaSalle Bank National Association, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset Backed-Certificates, Series 2005-HE10 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett 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 bidder for cash before the courthouse door of Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 104 of the 5th District, Gwinnett County, Georgia, being Lot 17, Block E, Unit Four of Waterton Subdivision, as per plat thereof recorded in Plat Book 37, page 74, Gwinnett County, Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description. 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 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 assessments, 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: 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 Daniel V. Peek or a tenant or tenants and said property is more commonly known as 1970 Lakewood Trace, Grayson, Georgia 30017. 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, as Trustee for Certificateholders of Bear Stearns Asset Backed Securities I LLC, Asset Backed-Certificates, Series 2005-HE10 as Attorney in Fact for Daniel V. Peek McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/jm6 1/6/09 Our file no. 52630808-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594122,12/11.18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Marco A. Pelaez to Mortgage Electronic Registration Systems, Inc. dated July 13, 2005, and recorded in Deed Book 43579, Page 113, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Mellon, fka The Bank of New York as Successor in interest to JP Morgan Chase Bank NA as Trustee for Structured Asset Mortgage Investments ll Inc. Bear Stearns ALT-A Trust 2005-8, Mortgage Pass-Through Certificates, Series 2005-8 , by Assignment securing a Note in the original principal amount of $123,920.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 62 of the 7th District of Gwinnett County, Georgia, being Lot 3, Block C, Twin Branches Subdivision, as per plat recorded in Plat Book 51, Page 19, Gwinnett County, Georgia Records, which plat is incorporated herein and by this reference made a part hereof. Said property is known as 1571 Pine Creek Drive, Lawrenceville, GA 30043, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Marco A. Pelaez, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Marco A. Pelaez; Zulma Deleon, 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. The Bank of New York Mellon, fka The Bank of New York as Successor in interest to JP Morgan Chase Bank NA as Trustee for Structured Asset Mortgage Investments ll Inc. Bear Stearns ALT-A Trust 2005-8, Mortgage Pass-Through Certificates, Series 2005-8 as Attorney-in-Fact for Marco A. Pelaez File no. 08-007671 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599260,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Diego Penaloza to Mortgage Electronic Registration Systems, Inc. , dated April 6, 2004, recorded in Deed Book 37817, Page 205, Gwinnett County, Georgia Records, as last transferred to Wells Fargo Bank, NA by assignment recorded in Deed Book 48993, Page 0621, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FORTY-TWO THOUSAND EIGHT HUNDRED SEVENTY-ONE AND 0/100 DOLLARS ($142,871.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 188 of the 6th District of Gwinnett County, Georgia and being Lot 33, Block D, Dove Trace Subdivision, Unit Five, as shown on plat of subject property recorded at Plat Book 18, Page 168, Gwinnett County, Georgia real estate records, which plat is incorporated herein by reference and made a part of this description. Being improved property known as 5616 Caesars Way according to the present system of numbering houses in Gwinnett 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 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 assessments, 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: 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Diego Penaloza or a tenant or tenants and said property is more commonly known as 5616 Caesars Way, Norcross, Georgia 30093. 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 Diego Penaloza McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/car 1/6/09 Our file no. 51414008-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594022,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Deanna Pender to Option One Mortgage Corporation dated October 4, 2006 in the amount of $136,800.00, and recorded in Deed Book 47132, Page 867, Gwinnett County, Georgia Records; as last transferred to Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2007-FXD1 Asset-Backed Certificates, Series 2007-FXD1 by assignment; the undersigned, Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2007-FXD1 Asset-Backed Certificates, Series 2007-FXD1 pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009, during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 347 of the 4th District of Gwinnett County, Georgia, being Lot 40, Block A, Stoney Ridge Subdivision, Unit Two (f/k/a Crestview), as per plat thereof recorded in Plat Book 103, Page 143, Gwinnett County Records, which plat is incorporated herein by reference. which has the property address of 4232 Round Stone Trl, Snellville, Georgia ., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Deanna Pender and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2007-FXD1 Asset-Backed Certificates, Series 2007-FXD1 Attorney in Fact for Deanna Pender Anthony DeMarlo, Attorney/cyeats McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-11743 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599571,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Edith C. Penman to Mortgage Electronic Registration Systems, Inc . dated January 27, 2006, and recorded in Deed Book 46146, Page 53, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US Bank National Association, as Trustee for CSMC Mortgage-Backed Pass-Through Certificates, Series 2006-4 , by Assignment securing a Note in the original principal amount of $101,600.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 79, 5th District, Lot 57, Block A of Davis Mill Estates, Gwinnett County, Georgia, as recorded in Plat Book 35, Page 261, Gwinnett County, Georgia Records, and being further described as follows: To find the true point of beginning, begin at the intersection of Davis Mill Court (50 Foot right of way) and U.S. Highway number 29 (right of way is 70 feet from C.L.) run in a Southerly direction along David Mill Court a distance of 776.53 feet to a nail set, being the corner for Lots 57 and 58, Block A of Davis Mill estates, on Davis Mill Court, this being said true point of beginning. Hence from said True Point of Beginning continue to run Southeasterly 30 degrees 54 minutes 45 seconds a distance of 26.38 feet to an iron pin found; thence run Southwesterly 59 degrees 05 minutes 15 seconds a distance of 191.75 feet to an iron pin set; thence run Northwesterly 31 degrees 05 minutes 04 seconds a distance of 19.54 feet to an iron pin set; thence run Northeasterly 57 degrees 02 minutes 41 seconds a distance of 191.93 feet and close at the nail set and the True Point of Beginning This being Lot 57 as depicted by the survey for Milton Daly, drawn by O. Eugene Kay, RLS #1 1943, of Survey Concepts, Inc., dated April 24, 1997. Said property is known as 90 Davis Mill Court, Lawrenceville, GA 30044, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Edith C. Penman, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Edith C. Penman, 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. US Bank National Association, as Trustee for CSMC Mortgage-Backed Pass-Through Certificates, Series 2006-4 as Attorney-in-Fact for Edith C. Penman File no. 08-005036 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593990,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Michael Pennington to Mortgage Electronic Registration Systems, Inc. , dated March 31, 2008, recorded in Deed Book 48781, Page 455, Gwinnett County, Georgia Records, as last transferred to Countrywide Home Loans Servicing LP by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-FOUR THOUSAND NINE HUNDRED NINETY-SIX AND 0/100 DOLLARS ($184,996.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 238 of the 5th District of Gwinnett County, Georgia, being Lot 12, Block B, of Garden Gate, Unit One, as per Plat recorded in Plat Book 120, Pages 167-168, Gwinnett County, Georgia records, which Plat is incorporated herein and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in 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 assessments, 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: Countrywide Home Loans, 5401 North Beach Street, MS FWTX-35, Fort Worth, TX 76137, 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 property is Michael Pennington or a tenant or tenants and said property is more commonly known as 1661 Lily Valley Dr, Lawrenceville, Georgia 30045. 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 Servicing LP as Attorney in Fact for Michael Pennington McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/wa2 1/6/09 Our file no. 52821708-FT4 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07593915,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Antonino Perez to Bank Of America, N.A. , dated September 23, 2005, recorded in Deed Book 44659, Page 54, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-NINE THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($179,900.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 36 of the 5th District, Gwinnett County, Georgia, being Lot 12, Block C, Springdale Trace, as per plat recorded in Plat Book 50, Page 44, in the Office of the Clerk of Superior Court of Gwinnett County, Georgia, which recorded plat is incorporated herein by reference and made a part of this description. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 4161 Piedmont Parkway, Greensboro, NC 27410-8110, 800-285-6000. 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 Antonino Perez or a tenant or tenants and said property is more commonly known as 2365 Stratford Lane, Snellville, Georgia 30078. 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 Antonino Perez McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/asw 1/6/09 Our file no. 52316708-FT7 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599109,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Jose Perez to Mortgage Electronic Registration Systems, Inc. , dated August 24, 2006, recorded in Deed Book 46981, Page 227, Gwinnett County, Georgia Records, as last transferred to LaSalle Bank National Association, as trustee for Ownit Mortgage Loan Asset Backed Certificates, Series 2006-7 by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-FIVE THOUSAND AND 0/100 DOLLARS ($155,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 225 of the 6th District of Gwinnett County Georgia and being Lot 30, Block A, the Oakbrook Landing, Unit One, as shown on Plat of survey recorded in Plat Book 28, Page 63, Gwinnett 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 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 assessments, 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: Litton Loan Servicing, LP., 4828 Loop Central Drive, Houston, TX 77081, 1-800-807-3590. 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 Jose Perez or a tenant or tenants and said property is more commonly known as 5484 Ballard Way, Norcross, Georgia 30071. 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, as trustee for Ownit Mortgage Loan Asset Backed Certificates, Series 2006-7 as Attorney in Fact for Jose Perez McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/vb1 1/6/09 Our file no. 52646308-FT12 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594060,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER STATE OF GEORGIA COUNTY OF GWINNETT Under and by virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement from Pete Witalis Homes, Inc. (the "Grantor") to and in favor of Georgian Bank (the "Lender") dated February 25, 2005, filed for record March 4, 2005, and recorded in Deed Book 41845, Page 23, Gwinnett County, Georgia records, as modified by that certain Modification of Deed to Secure Debt from Grantor to and in favor of Lender dated April 18, 2006, filed for record May 30, 2006, and recorded in Deed Book 46548, Page 728, aforesaid records, as further modified by that certain unrecorded Modification Agreement from Grantor to and in favor of Lender dated May 17, 2007 (as modified, the "Security Deed"); securing that certain renewal Promissory Note from Grantor to and in favor of Lender dated April 5, 2007 in the original principal sum of $1,480,000.00, as modified by that certain Change in Terms Agreement from Grantor to and in favor of Lender dated May 17, 2007 increasing the original principal sum to ONE MILLION SIX HUNDRED THOUSAND AND 00/100 DOLLARS ($1,600,000.00) (as modified, the "Note"); there will be sold at public outcry by Lender as attorney-in-fact of Grantor to the highest bidder for cash between the legal hours for sale before the Courthouse door in Gwinnett County, Georgia, on the first Tuesday in January, 2009, the following described land, improvements and appurtenances (hereinafter collectively referred to as the "Premises") to wit: All that tract or parcel of land lying and being in Land Lot 347 of the 6th District, Gwinnett County, Georgia, being Lot 1, Block E, Unit V, North River Crossing, as per plat recorded in Plat Book 29, page 165, Gwinnett County Records, said plat being incorporated herein by reference thereto. Together with that tract conveyed at Deed Book 10604, Pages 276 thru 278, Gwinnett County, Georgia Records. Less and Except that tract conveyed at Deed Book 12593, Pages 120 thru 122, Gwinnett County, Georgia Records (the "Land"). Together with all buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter place on or in the Land; and all of the things addressed in this paragraph (b), whether generally or specifically, shall be deemed to be fixtures and accessions to the freehold and a part of the Land as between the parties hereto and all persons claiming, by, through or under either of them; and Together with all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way, now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter acquired by Grantor, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payment in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof; and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same; and Together with any and all rents which are now due or may hereafter become due by reason of the renting, leasing and bailment of the Land or the improvements now or hereafter located thereon, or any part thereof; and Together with any and all awards or payments, including interest thereon, and the right to receive the same, as a result of (i) the exercise of the right of eminent domain, (ii) the alteration of the grade of any street, or (iii) any other injury to the taking of, or decrease in the value of , the Land or improvements now or hereafter located thereon; The indebtedness evidenced by the Note is due and payable and remains unpaid. The Security Deed therefore has become and is now foreclosable according to its terms. Accordingly, the Premises will be sold at public outcry pursuant to the terms of the power of sale provided in the Security Deed. The Premises will be sold on an "as is, where is" basis without recourse against Lender and without representation or warranty of any kind or nature whatsoever by Lender with respect thereto. The proceeds of the sale are to be applied first to the expenses of the sale and all proceedings in connection therewith, including attorneys' fees (notice of intention to collect attorneys' fees having been given), then to the payment of all sums secured by the Security Deed, and the remainder, if any, will be paid to the person or persons legally entitled thereto, all as provided in the Note and Security Deed. The Premises shall be sold as the property of Grantor, subject to all restrictions, easements and other matters of record that are prior to the Security Deed and to which the Security Deed is subject and to any unpaid city, county and state ad valorem taxes or assessments relating to the Premises. To the best of the undersigned's knowledge and belief, the owner of the Premises is the Grantor and the party or parties in possession of the Premises is the Grantor or tenants of the Grantor. GEORGIAN BANK As Attorney-in-Fact for PETE WITALIS HOMES, INC. James M. Ottley, Esq. Morris, Manning & Martin, L.L.P. 1600 Atlanta Financial Center 3343 Peachtree Road, N.E. Atlanta, Georgia 30326 (404) 233-7000 950-06599374,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Camille Peters to Mortgage Electronic Registration Systems, Inc. as nominee for SunTrust Mortgage, Inc. d/b/a Sun America Mortgage , dated June 16, 2006, recorded in Deed Book 46849, Page 255, Gwinnett County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-SIX THOUSAND FOUR HUNDRED FIFTY AND 0/100 DOLLARS ($126,450.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 178 of the 5th District of Gwinnett County, Georgia, being Unit 23, of Providence Plantation, as per Plat recorded in Plat Book 106, Page 91-92, Gwinnett County, Georgia records, which Plat is incorporated herein and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney's fees (notice of intent to collect attorney's 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 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 Camille E. Peters AKA Camille Peters or a tenant or tenants and said property is more commonly known as 55 Providence Oak Court, Lawrenceville, Georgia 30045. 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 Camille Peters Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/cn 1/6/09 Our file no. 11715408-FT2 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599032,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER IN DEED TO SECURE DEBT Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Everett M. Peugh to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $153,615.00 dated 10/16/2007, and recorded in Deed Book 48400, page 755, Gwinnett County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 49089, Page 83, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of January, 2009 by CitiMortgage, Inc., as Attorney-in-Fact for Everett M. Peugh the following described property: All that tract or parcel of land lying and being in Land Lot 354 of the 5th District, Gwinnett County, Georgia, being Lot 86, Block A, Biltmore Woods Subdivision, Unit Two, as per plat recorded in Plat Book 84, page 14, Gwinnett County, Georgia Records, which recorded plat is incorporated herein by this reference and made a part of this description. Said property being known as 2695 Carolina Drive according to the present system of numbering property in Gwinnett County, Georgia. Property known as: 2695 Carolina Drive, Bethlehem, GA 30620 The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc. 1000 Technology Drive O'Fallon, MO 63368 PHONE: 866-272-4749 Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Everett M. Peugh. CitiMortgage, Inc., as Attorney-in-fact for Everett M. Peugh. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Jones, P.C. South Terraces, Suite 1000 115 Perimeter Center Place Atlanta, GA 30346 770-392-0303 950-06599398,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Angella Phillips to Mortgage Electronic Registration Systems, Inc. , dated January 8, 2007, recorded in Deed Book 47498, Page 405, Gwinnett County, Georgia Records, as last transferred to Lehman Brothers Holdings Inc by assignment to be recorded in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWENTY-EIGHT THOUSAND NINE HUNDRED FIFTY AND 0/100 DOLLARS ($228,950.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 339 of the 4th District, Gwinnett County, Georgia, being Lot 141, Block A, of Ellington Springs Subdivision, Phase three, per plat of survey recorded in Plat Book 106, Page 113-114, Gwinnett County, Georgia records, said plat is incorporated herein by reference. The right, if any, of The United States of America to redeem said land within 120 days from the date of the foreclosure sale held on January 6, 2009, as provided for by the Federal Tax Lien Act of 1966 (Public Law 89-719). 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Litton Loan Servicing, LP., 4828 Loop Central Drive, Houston, TX 77081, 1-800-807-3590. 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 Angella Phillips or a tenant or tenants and said property is more commonly known as 4401 Ash Tree Street, Snellville, Georgia 30039. 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. Lehman Brothers Holdings Inc as Attorney in Fact for Angella Phillips McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/vb1 1/6/09 Our file no. 51864507-FT12 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599357,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Mickey J. Pietrocola to Alternative Mortgage Funding Corporation dated May 27, 2004 in the amount of $295,650.00, and recorded in Deed Book 38549, Page 153, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett 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 and lying and being in Land Lot 1 of the 2nd District, of Gwinnett County, Georgia, being Lot 31, Block E of the Terraces at Appalachee Farms Subdivision, as per plat recorded in Plat Book 87, Page 163-164 records of Gwinnet County, Georgia which recorded plat is incorporated herein by reference and made a part of this description. which has the property address of 2645 The Terraces Way, Dacula, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Mickey J. Pietrocola and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Mickey J. Pietrocola Anthony DeMarlo, Attorney/apatterson McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-19848 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594250,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY By virtue of a Power of Sale contained in that certain Master Construction Deed to Secure Debt and Security Agreement from Pinecrest Custom Homes, Inc., a Georgia corporation, to SunTrust Bank, dated May 2, 2006, filed and recorded May 8, 2006, in Deed Book 46473, Page 288, Gwinnett County, Georgia Records, said Security Deed having been given to secure Notes in the aggregate original principal amount of THREE MILLION EIGHT HUNDRED NINETY-ONE THOUSAND ONE HUNDRED TWENTY AND NO/100 DOLLARS ($3,891,120.00), 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 Gwinnett County, Georgia, within the legal hours for sale on the first Tuesday in January, 2009, 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 Lots 294 & 295 of the 5th District of Gwinnett County, Georgia, being Lots 1, 9, 12, 14, 19, 21, 22, 23, and 30 Maxwell Farms. Unit One, as per plat recorded at Plat Book 111, pages 265 & 266, in the Office of the Clerk of the Superior Court of Gwinnett County, Georgia. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including, but not limited to, the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees, and other payments provided for under the terms of the Security Deed and Note. SunTrust hereby reserves the right to bid any or all of the above-referenced Lots individually. 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 inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute 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 superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Pinecrest Custom Homes, Inc. or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the United States Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. SunTrust Bank is acting as a debt collector. Any information obtained will be used for that purpose. SunTrust Bank as Attorney-in-Fact for Pinecrest Custom Homes, Inc. Contact: Kathleen M. O'Connell, Esq. SunTrust Bank 303 Peachtree Street, Suite 900 Atlanta, Georgia 30308 Telephone (404) 813-0493 950-06599016,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Joel Pires to Mortgage Electronic Registration Systems, Inc . dated August 16, 2006 in the amount of $195,600.00, and recorded in Deed Book 46914, Page 128, Gwinnett County, Georgia Records; as last transferred to Mortgage Electronic Registration Systems, Inc. by assignment; the undersigned, Mortgage Electronic Registration Systems, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 180 of the 5th District of Gwinnett County, Georgia, and being Lot 86, Block B of Paper Mill, Unit III, as per plat recorded in Plat Book 95, Page 232 of Gwinnett County, Georgia records, which plat is incorporated herein and made a part hereof by reference. which has the property address of 1170 Paper Creek Drive, Lawrenceville, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Joel Pires and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Mortgage Electronic Registration Systems, Inc. Attorney in Fact for Joel Pires Anthony DeMarlo, Attorney/ajackson McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26858 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594047,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Michael E. Pittman and Sheila H. Pittman to Mortgage Electronic Registration Systems, Inc . dated October 20, 2003 in the amount of $130,500.00, and recorded in Deed Book 35741, Page 52, Gwinnett County, Georgia Records; as last transferred to The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, as Trustee by assignment; the undersigned, The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, as Trustee pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in January, 2009 , during the legal hours of sale, at the Courthouse door in Gwinnett County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying or being in Land Lot 276 of the 5th District, Gwinnett County, Georgia, being Lot 41, Block A, Harbin Oaks Unit Oaks, Unit One, as per plat recorded in Plat Book 67, Page 204, Gwinnett County, Georgia records. which has the property address of 2370 Harbin Oaks Drive, Dacula, Georgia. , together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Michael E. Pittman and Sheila H. Pittman and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. The Bank of New York Mellon formerly known as The Bank of New York as successor Trustee to JP Morgan Chase Bank, as Trustee Attorney in Fact for Michael E. Pittman and Sheila H. Pittman Anthony DeMarlo, Attorney/isheffield McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com File No. 08-26569 /CONV THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-07594095,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Michelle A. Polite to Wells Fargo Bank, N.A. , dated January 19, 2006, recorded in Deed Book 46100, Page 91, Gwinnett County, Georgia Records, as last transferred to HSBC Bank USA, National Association, as Trustee for Nomura Home Equity Loan Trust, Series 2006-WF1 by assignment recorded in Deed Book 48866, Page 329, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED SIXTEEN THOUSAND AND 0/100 DOLLARS ($316,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, 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 38 of the 6th District of Gwinnett County, Georgia, and being Lot 20, Block A, Rivercliff Trace Subdivision, Unit Two, as per plat recorded in plat book 38, page 276, Gwinnett County Records, which plat is incorporated herein by this reference and made a part of this description, being improved property. 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage 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 instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Michelle A. Polite or a tenant or tenants and said property is more commonly known as 2867 Heather Row Ridge SW, Lilburn, Georgia 30047. 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. HSBC Bank USA, National Association, as Trustee for Nomura Home Equity Loan Trust, Series 2006-WF1 as Attorney in Fact for Michelle A. Polite McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/car 1/6/09 Our file no. 5465107-FT5 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599131,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER Because of a default in the payment of the indebtedness secured by a Security Deed executed by Jennie Polydore to Dana Capital Group dated April 7, 2006, and recorded in Deed Book 46394, Page 145, Gwinnett County Records, said Security Deed having been last sold, assigned, transferred and conveyed to US Bank National Association, as Trustee for Asset-Backed Pass-Through Certificates, Series 2006-NC1 , by Assignment securing a Note in the original principal amount of $154,700.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, January 6, 2009, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 185 of the 5th District Gwinnett County, Georgia, being known as Lot 126, Block A of Chandler Woods, Unit 3, Tract One-East Side fka Chandler Oaks, Parcel 5-185-001 as per plat recorded at Plat Book 101, Pages 45 and 46, and all revisions of said plat recorded as of the date of recording of this deed, if any Gwinnett County, Georgia Records, said plat and all revised plats if any being incorporated herein and made a part hereof by reference for a more complete description of captioned property. Said property is known as 437 Leaflet Ives Trail, Lawrenceville, GA 30045, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Jennie Polydore, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Jennie Polydore, 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. US Bank National Association, as Trustee for Asset-Backed Pass-Through Certificates, Series 2006-NC1 as Attorney-in-Fact for Jennie Polydore File no. 08-007406 L. J. SWERTFEGER, JR. SHAPIRO & SWERTFEGER, LLP Attorneys and Counselors at Law 2872 Woodcock Boulevard, Suite 100 Atlanta, GA 30341 (770) 220-2730/RS www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599283,12/11,18,25,1/1 NOTICE OF SALE UNDER POWER GEORGIA, GWINNETT COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Louise Poole to Washington Mutual Bank, dated November 28, 2006, recorded in Deed Book 47326, Page 280, Gwinnett County, Georgia Records, as last transferred to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortage Loan Trust 2006-11 by assignment recorded in Deed Book 48277, Page 458, Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWENTY-ONE THOUSAND AND 0/100 DOLLARS ($221,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on the first Tuesday in January, 2009, the following described property: All that tract or parcel of land lying and being in Land Lot 254 of the 6th District, Gwinnett County, Georgia, being Lot 2 on that certain survey prepared for Raymond Poole and Louise Poole, prepared by Busbee Surveying Company, Inc., an recorded in Plat Book 107, Page 191, in the Office of the Clerk of Superior Court of Gwinnett County, Georgia, which recorded plat is incorporated herein and made a part hereof by this reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). JPMorgan Chase Bank, National Association can be contacted at 866-926-8937 or by writing to 7255 Baymeadows Way, Jacksonville, FL 32256, 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 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 Louise Poole or a tenant or tenants and said property is more commonly known as 371 Nesbit Street, Norcross, Georgia 30071. 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. Deutsche Bank National Trust Company, as Trustee for Long Beach Mortage Loan Trust 2006-11 as Attorney in Fact for Louise Poole Morris, Schneider, Prior, Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.msplaw.com/foreclosure_sales.asp MSP/jm6 1/6/09 Our file no. 1413507-FT1 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599147,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER By virtue of the power of sale contained in that certain Deed to Secure Debt & Security Agreement from PR Homes, Inc. to Branch Banking & Trust Company dated November 1, 2006, and recorded in Deed Book 47204, Page 206, Gwinnett County, Georgia Records (hereinafter referred to as "Deed to Secure Debt"), said Deed to Secure Debt securing a Promissory Note ("Note") in the original principal sum of One Million One Hundred Thousand and 00/100 Dollars ($1,100,000.00) with interest from said 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 at Gwinnett County, Georgia, within the legal hours of sale on Tuesday, January 6, 2009, the property described on Exhibit "A" attached hereto and incorporated herein by reference. EXHIBIT "A" ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 167, 7TH DISTRICT, GWINNET T COUNTY, GEORGIA, BEING LOTS 33 AND 52, BLOCK, WILDWOOD AT MCGINNIS FERRY, AS PER PLAT RECORDED IN PLAT BOOK 96, PAGES 174 AND 175, GWINNETT COUNTY, GEORGIA RECORDS, WHICH PLAT IS HEREBY INCORPORATED HEREIN BY REFERENCED. The debts secured by said Deed to Secure Debt have been and are hereby declared due and payable because of, among other possible events of default, failure to make payments on said Note. The debts 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. 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, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice. To the best knowledge and belief of the undersigned, the Party in possession of the property is PR Homes, Inc., or a tenant or tenants, and said property is more commonly known as Lots 33 and 52, Block A, Wildwood at McGinnis Ferry, Gwinnett County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please note that the undersigned reserves the right to sell the properties separately or together. Branch Banking & Trust Company Attorney in Fact for PR Homes, Inc. Martin G. Quirk, Esq. Quirk & Quirk, LLC 6000 Lake Forrest Drive Suite 325 Atlanta, Georgia 30328 (404) 252-1425 950-06599174,12/11,18,25,1/1 STATE OF GEORGIA COUNTY OF GWINNETT NOTICE OF SALE UNDER POWER By virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement from Presidio Homes, LLC, party of the first part, to Piedmont Bank of Georgia, now known as The PrivateBank and Trust Company, a bank organized under the laws of the State of Illinois, party of the second part, dated February 14, 2008, and recorded in Deed Book 48641, Page 0426, Gwinnett County, Georgia records (the "Security Deed") , conveying the after-described property to secure a Note (the "Note") in the principal amount of One Hundred Eighty Thousand Seven Hundred Fifty Thousand ($180,750.00) Dollars, with interest thereon as set forth therein, the undersigned, pursuant to said Security Deed has declared the entire amount of said indebtedness due and payable because of default in the payment of said indebtedness. Further, pursuant to that Power of Sale, the undersigned will, on the first Tuesday in January 2009 , during the legal hours of sale before the courthouse door in Gwinnett County, Georgia, sell at public outcry to the highest bidder, for cash, the following property (the "Land") described in said Security Deed, to wit: All that tract or parcel of land lying and being in Land Lot 148 of the 5th District, Gwinnett County, Georgia being Lot 3, Block A, Wynfield Park (F.K.A. Hwy. 20) Subdivision, as per plat recorded in Plat Book 113, Page 29, as revised at Plat Book 115, Page 168, Gwinnett County, Georgia records, which said plat is incorporated herein by this reference and made a part of this description, being improved property. TOGETHER WITH all buildings, structures and improvements now or hereafter erected upon the Land and any and all of the following items of property which party of the first part has heretofore placed or caused to be placed or hereafter places or causes to be placed in or on the said buildings; gas and electric fixtures, radiators, beaters, furnaces, heating equipment, steam and hot water boilers, hot water heaters, stoves, ranges and ovens, refrigerators, refrigerating plants, air conditioning equipment, elevators, tubs, sinks, water closets and basins, garbage disposal equipment, vacuum cleaning equipment, sprinkler systems, fire alarm systems, carpets, shades, screens, blinds, awnings, and all other furniture, furnishings and equipment placed in and about the said buildings for use therein which are necessary to the completed end comfortable use and occupancy of the said buildings for the purpose for which they were or are to be constructed or erected and together with all renewals or replacements of or articles in substitution for the said enumerated and described items of property. The items of property dealt with in this paragraph shall include but not be limited to those shown on any plans and specifications furnished by the party of the first part to party of the second part in connection with the making of the loan hereby secured. The items of property dealt with in this paragraph not actually attached to the buildings where located shall be deemed to be constructively attached and all items herein dealt with whether actually or constructively attached are agreed to be fixtures constituting a part of the realty above described. TO HAVE AND TO HOLD the same premises, with all and singular the rights, members and appurtenances thereof, to the same belonging or in any wise appertaining to the only proper use, benefit and behoof of the said party of the second part, its successors and assigns forever, in fee simple (all referred to as "Property"). The above-referenced Property will be sold subject to the following: all, if any, outstanding ad valorem taxes and/or assessments; all, if any, other prior liens, easements, covenants, restrictions, encumbrances, zoning ordinances or other matters of record to which the Security Deed is junior in priority; and all, if any, matters affecting said Property which would be disclosed by an accurate survey and inspection of said Property. Said Property will be sold as the property of Presidio Homes, LLC, and the proceeds will be applied to the payment of the described indebtedness, the Security Deed and all expenses of this sale. Any remaining proceeds will be applied pursuant to the laws of the State of Georgia. The above-referenced Property will be sold on an "as is, where is" basis without recourse against party of the second part and without representation or warranty of any kind or nature whatsoever by party of the second part with respect thereto. To the best of the undersigned's knowledge and belief, the Property is presently owned by Presidio Homes, LLC who is the party in possession or a tenant or tenants. The PrivateBank and Trust Company, a bank organized under the laws of the State of Illinois, as attorney-in-fact for Presidio Homes, LLC Mark L. Golder, Esq. Lynn L. Carroll, Esq. SIEGEL & GOLDER, P.C. One Premier Plaza 5605 Glenridge Drive, Suite 690 Atlanta, Georgia 30342 (404) 252-3000 THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 950-06599526,12/11,18,25,1/1

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