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August 01, 2014
Clayton Legals 12.27.12
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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by George Ledbetter Jr to Mortgage Electronic Registration Systems, Inc. as nominee for Embrace Home Loans, Inc., its successors and assigns dated December 5, 2011 in the amount of $77,265.00, and recorded in Deed Book W37, Page 540, Rabun County, Georgia Records; as last transferred to Embrace Home Loans Inc by assignment; the undersigned, Embrace Home Loans 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, and pursuant to O.C.G.A. Section 9-13-161(a) will on the first Wednesday in January, 2013 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: The land referred to herein below is situated in the County of Rabun, State of Georgia in Deed Book X-24, at Page 125, and is described as follows: All that tract or parcel of land lying and being in Land Lot 1 of the Fifth Land District, City of Clayton, Rabun County, Georgia being 1.08 acres more particularly described on a plat of survey prepared by T. Lamar Edwards, GRLS No. 1837 Dated 10-5-89 recorded in Plat Book 27, Page 182 of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. Less and except that certain 0.40 acre tract of land lying and being in Land Lot 1 of the 5th Land District of Rabun County, Georgia and being further described in that certain Warranty Deed from J.H. Cannon and G.N. Cannon to George Ledbetter, Jr. and Clara G. Ledbetter, dated 5-4-77 and recorded in Deed Book 1-6, Page 29 of the Rabun County Deed Records. Being the same property described in the deed to George Ledbetter, Jr., from Jeffrey Lamar Ledbetter, recorded on August 20, 2003, in Book X-24, at Page 125, of the Public Records of Rabun County, Georgia. which has the property address of 805 Old Chechero Rd, Clayton, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). Said property will be sold as the property of George Ledbetter Jr 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. Embrace Home Loans Inc, Attorney in Fact for George Ledbetter Jr, McCurdy & Candler, L.L.C.,(404) 373-1612, File No. 12-07807 /FHA/efisher. 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.

11-22,29,12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Madelin Lenore Moore, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 26th day of November, 2012. Witness my our hand(s) and seal(s), on the day above written. (Laverne Moore acting as administrator of the Madelin Lenore Moore estate.) Address: 3600 Country Wood Court, Mobile, AL 36619. Telephone: (251) 802-7451

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Gregory P. Reeves and Mary Patricia Reeves to Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, FSB, and its successors and assigns dated April 9, 2008, and recorded in Deed Book O33, Page 292, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by Assignment, securing a Note in the original principal amount of $417,000.00, 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 Wednesday, January 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land, situate, lying and being in Land Lots 75 and 76 in the 5th District of Rabun County, Georgia, being Lot 10 of Wildacres Subdivision according to plat thereof which is recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia, in Plat Book 3, Page 236-7 which plat was made by James E. Frame, Registered Engineer. The subdivision named is a part of the land which was conveyed to L.W. Jones by Deed from Thad L. Bynum and Mrs. Carlton York which Deed is of record in said Clerk's Office in record of Deeds Book Q-2, page 577, and by Mrs. L.W. Jones to R.E. Cannon to a one-half undivided interest which Deed is of record in said Clerk's Office in Record of Deeds Book R-2, page 235. Reference is hereby made to said plat and the record of same and to said deeds and the records of same for full and complete description of said land. There is conveyed herewith the use of the water frontage lying south of the Old Burton Road and within the northerly and southerly lines of said subdivision Lot 10. There is conveyed herewith the right to the use of water from a spring which was conveyed in a deed from Mrs. L. W. Jones and R. E. Cannon on the 6th day of November, 1974, which deed is of record in said Clerk's Office in Deed Book U-2, page 300, to which deed and the record of same reference is hereby made for description of same as well as the right to pipe water as contained in said deed which is not exclusive. This is the same property heretofore conveyed to J. O. Robertson, Jr. and Prudence M. Robertson from Hugh H. Wells, Sr., and Beverly C. Wells by Warranty Deed dated May 8, 1970, and recorded in Deed Book Q-4, page 566, Rabun County, Georgia Records; Prudence M. Robertson have subsequently conveyed her one-half undivided interest therein to J. O. Robertson, Jr., by deed dated April 28, 1975, and recorded in Deed Book U-5, page 294, Rabun County, Georgia Records. For Title reference see Deed in Book J17, Page 247. Said property is known as 632 Timpson Cove Road, Clayton, GA 30525, 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 proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. 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 secured creditor. The property is or may be in the possession of Mary Patricia Reeves, successor in interest or tenant(s). BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP as Attorney-in-Fact for Gregory P. Reeves and Mary Patricia Reeves, successor in title being Mary Patricia Reeves. File no. 12-030221. SHAPIRO & SWERTFEGER, LLP, Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100, Atlanta, GA 30341-3941. (770) 220-2535/EM. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

12-6,13,20,27

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NOTICE TO BAR RIGHT OF REDEMPTION

TO: Kevin L. Driscoll, Mary Jane Driscoll and RBC Centura Bank and any and all occupants of the property described herein. Take notice that: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lots 24 and 25, of the 4th Land District, of Rabun County, Georgia, and being all of Lot No. 102, Block JJ, Unit 1, of Kingwood Estates and consisting of 0.30 acre, more or less, as shown on that plat of the survey prepared by Leonidas Burton Sears, Georgia Registered Land Surveyor No. 2628, dated March 30, 2000, and recorded in Plat Book 45, Pages 18-23 located in the Clerk’s Office, Rabun County Superior Court and reference to said plat being for the express purpose of incorporating its description herein. For prior title, see Tax Sale Deed recorded in Deed Book K37, Page 144, in the Office of Clerk of the Superior Court of Rabun County, Georgia will expire and be forever foreclosed and barred on and after the 20th day of January, 2013. **This date is 45 days from the date the notice runs the first time. The tax deed to which this notice relates is dated the 7th day of June, 2011 and is recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia, in Deed Book K37, Page 144. The property may be redeemed at any time before the 20th day of January, 2013 by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Energy Way Corporation c/o Scenic City Legal Group, PC, P.O. Box 8655, Chattanooga, Tennessee 37414. Please be governed accordingly. This ____ day of _____________, 2012. Steve Steele, President for Energy Way Corporation

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from JAMES ROY LOVELL to UNITED COMMUNITY BANK, dated December 10, 2010, recorded December 10, 2010, in Deed Book T-36, Page 240, Rabun County, Georgia records, as last modified by Modification of Security Deed dated December 13, 2011, recorded in Deed Book X-37, Page 448, Rabun County, Georgia records, said Security Deed being given to secure a Note from JAMES ROY LOVELL dated December 13, 2011, in the original principal amount of Fifty Seven Thousand Six Hundred Eighty Three and 85/100 ($57,683.85) 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 Rabun County, Georgia, within the legal hours of sale on the first Wednesday in January, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 22 of the Second Land District of Rabun County, Georgia and being in the City of Clayton and being described as Lot 11 containing 0.50 acre as more fully described on that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated February 9, 2004, last revised March 31, 2004 and recorded in Plat Book 51, Page 215, the office of the Clerk of Rabun Superior Court. Reference is hereby had and made to said plat of survey for the purpose of incorporating same herein for a full and complete description of the properties herein conveyed. The above described Lot 11 abuts Orme Street, a public road. The property conveyed herein is subject to the City of Clayton ordinance and the Rabun County ordinance where same are applicable to Lot 11. 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 JAMES ROY LOVELL or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for JAMES ROY LOVELL, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513,

(706) 632-7923, File No. 7484A-03410

12-6,13,20,27

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by William M. Hibner and Sally L. Hibner to Mortgage Electronic Registration Systems, Inc., dated February 12, 2009, recorded in Deed Book S34, Page 689, Rabun County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book J37, Page 653, and as re-recorded in Deed Book N38, Page 292, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-SEVEN THOUSAND FOUR HUNDRED SEVENTY-FIVE AND 0/100 DOLLARS ($167,475.00), 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 Rabun County, Georgia within the legal hours of sale on the first Wednesday in January, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. To the best knowledge and belief of the undersigned, the party in possession of the property is William M. Hibner and Sally L. Hibner or a tenant or tenants and said property is more commonly known as 70 Paris St, Clayton, Georgia 30525-4199. 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. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP as Attorney in Fact for William M. Hibner and Sally L. Hibner McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, MR/krc1 1/2/13 Our file no. 5416512-FT11. EXHIBIT “A”, All those tracts or parcels of land lying and being in Land Lot 21 of the Second Land District of Rabun County, Georgia, containing 0.936 acre and being designated as Lots 5, 6, 7, 8 and 13 and also designated as the Abraham H. Kulp and Dorothea Kulp Tract as shown on that certain plat of survey prepared by Rufus Gerald Sadler, Georgia Registered Land Surveyor No. 1444, dated June 26, 2001, revised October 18, 2001, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 46, Page 246. Referenced is had and made to said plat and record of the same for a full and complete description of the property herein described. PPN: C005 034 Commonly known as 70 Paris Street, Clayton, GA 30525 MR/krc1 1/2/13 Our file no. 5416512 - FT11

12-6,13,20,27

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by William A. Stafford and Mary S. Stafford to One Reverse Mortgage, LLC, dated February 9, 2009, recorded in Deed Book R34, Page 393, Rabun County, Georgia Records, as last transferred to Reverse Mortgage Solutions, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of SIX HUNDRED THOUSAND AND 0/100 DOLLARS ($600,000.00), 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 Rabun County, Georgia within the legal hours of sale on the first Wednesday in January, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Reverse Mortgage Solutions, Inc. is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Reverse Mortgage Solutions, Inc., 2727 Spring Creek Drive, Spring, TX 77373, 281-404-7800. To the best knowledge and belief of the undersigned, the party in possession of the property is Mary S. Stafford and W. A. Stafford or a tenant or tenants and said property is more commonly known as 10 Dicks Creek Rd, Clarksville, Georgia 30523. 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. Reverse Mortgage Solutions, Inc. as Attorney in Fact for William A. Stafford and Mary S. Stafford McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, MR/pvm 1/2/13 Our file no. 5634712-FT17 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 104 of the 5th Land District of Rabun County, Georgia consisting of 1.149 acres shown upon a plat of survey prepared by Brett Chandler & Associates, GRLS No. 2816, dated revised 2/17/2004 and recorded in Plat Book 57, Page 143 of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. Commonly known as 10 Dicks Creed Rd, Clarkesville, GA 30523 MR/pvm 1/2/13 Our file no. 5634712 - FT17

12-6,13,20,27

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN 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 Thor Anderson to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR FREMONT INVESTMENT & LOAN, dated September 18, 2006, recorded in Deed Book W30, Page 40, Rabun County, Georgia records, as last transferred to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D by assignment recorded or to be recorded, Rabun County, Georgia records conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-EIGHT THOUSAND, SEVEN HUNDRED TWENTY AND NO/100 DOLLARS ($138,720.00); 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 Rabun County, Georgia, within the legal hours of sale on the first Wednesday in January, 2013 the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1 OF THE FOURTH LAND DISTRICT OF RABUN COUNTY, GEORGIA AND BEING TRACT C, CONSISTING OF 0.51 ACRE AS DESCRIBED UPON PLAT OF SURVEY DATED JANUARY 23, 2003, PREPARED BY WILLIAM F. ROLADER, GEORGIA REGISTERED LAND SURVEYOR NO. 2042, SAID SURVEY BEING RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RABUN COUNTY, GEORGIA IN PLAT BOOK 48, PAGE 241. SAID SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A FULL AND COMPLETE DESCRIPTION OF THE ABOVE DESCRIBED LANDS. THERE IS ALSO CONVEYED A PERPETUAL, NON-EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR THAT CERTAIN ROAD SIXTEEN (16) FEET IN WIDTH EXTENDING FROM MERRYDALE ROAD TOGETHER WITH A PERPETUAL, NON EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR A CULDESAC HAVING A RADIUS OF TWENTY (20) FEET, SAID ROAD AND CULD\ESAC BEING SHOWN UPON THE ABOVE REFERENCED PLAT OF SURVEY, SAID EASEMENT SHALL BE FOR THE PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT C AND BE AN EASEMENT APPURTENANT TO TRACT C AND SHALL INURE TO THE BENEFIT OF THE OWNERS OF TRACTS C, THEIR HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS. THE GRANTOR RESERVES THE RIGHT FOR HIMSELF, HIS HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS, TO USE MAINTAIN AND REPAIR THE ABOVE DESCRIBED ROAD AND CULDESAC FOR PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT A AND TRACT B AS SHOWN UPON THE ABOVE REFERENCED PLAT OF SURVEY. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). 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, Attention: Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, Fax 407-737-5693. 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 parties in possession of the property are Thor Anderson or a tenant or tenants and said property is more commonly known as 218 Merrydale Ln, Clayton, GA 30525. 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 FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D. As Attorney in Fact for Thor Anderson, Weissman, Nowack, Curry & Wilco, PC., Attn: Ocwen Team, One Alliance Center, 3500 Lenox Road, Atlanta, GA 30326, (866) 357-8501, Our File# 013142

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Jesse N. Rickman, Sr., deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 29th day of November, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Joseph H. Rickman, Mary R. Story acting as Co-Executors of the Jesse N. Rickman, Sr., estate.) Address: P.O. Box 681, Clayton, GA 30525, Telephone: (706) 782-3716

12-6,13,20,27

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GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from TIMMY R BROWN to MOUNTAIN HERITAGE BANK dated February 28, 2005 and recorded in Deed Book U-27, Pages 30-36 of the Rabun County deed records given to secure a promissory note in the amount of SEVEN THOUSAND NINETY FIVE AND 46/100 ($7,095.46) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on WEDNESDAY, JANUARY 2, 2013, the following described property: All tract or parcel of land lying and being in Land Lot 18 of the Fourth Land District of Rabun County, Georgia and being more particularly described as follows, to wit: For a full and complete description of the real property being hereby conveyed, reference is hereby had and made to a plat of survey dated November 2, 1993, revised on August 8, 2000 for division of Tract 2 and prepared by William F. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is Tract 2-A containing 0.38 acres. Said plat is of record in Plat Book 45, Page 209 in the Office of the Clerk of the Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said Tract 2-A containing 0.38 acres as depicted thereon. NOTE: Reference is hereby had and made to a Warranty Deed dated March 24, 1994 from Tommy R. Brown and Sylvia Anne Brown to Timmy R. Brown. Said Warranty Deed is of record in Deed Book Y-14, Page 94, aforesaid records. Also conveyed are perpetual non-exclusive road right of way easement rights over and across the gravel drive as set forth in said Warranty Deed. Said tract or parcel of land is hereby conveyed subject to those portions of the same that are traversed by said gravel drive. NOTE: Also conveyed, are those water rights set forth on said above referenced Warranty Deed, affecting the above conveyed Tract 2. Said tract or parcel of land is hereby conveyed subject to said drain field and septic tank easements. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property TIMMY R. BROWN 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) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned TIMMY R. BROWN is in possession of said property. 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. A copy of this notice was mailed to the debtor to-wit: TIMMY R. BROWN by certified mail, return receipt requested, on DECEMBER 2, 2012 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for TIMMY R BROWN, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525,(706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

12-6,13,20,27

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GEORGIA

RABUN COUNTY
NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from James Josef Dills f/k/a James Bertulis and Jennifer Lynn Dills f/k/a Jennifer Bertulis to MOUNTAIN HERITAGE BANK dated JANUARY 23, 2004 and recorded in Deed Book U-25, pages 153-155 of the Rabun County deed records given to secure a promissory note in the amount of SIXTY-SEVEN THOUSAND FIVE HUNDRED and 00/100 Dollars ($67,500.00), there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on Wednesday January 2, 2013, the following described property: 378 Ponderosa Road, Rabun Gap, GA 30568. All that tract or parcel of land lying and being in Land Lot 165 of the Second Land District, Rabun County, Georgia, containing 1.51 acres as more particularly described on a plat of survey dated may 14, 1997, prepared by William F. Rolader, GRLS #2042, said plat recorded in Plat Book 38, Page 128, Rabun County plat records, said plat and recorded of the same being incorporated herein by reference. The above-described property is conveyed subject to any and all easements of record and also conveyed are all easements and appurtenances to said property, including water rights. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees. The said property will be sold as the property of James Josef Dills and Jennifer Lynn Dills subject to (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) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned James Josef Dills and Jennifer Lynn Dills are in possession of said property. 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. A copy of this notice was mailed to the debtors to-wit: James Josef Dills and Jennifer Lynn Dills by certified mail, return receipt requested on December 2, 2012 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for James Josef Dills f/k/a James Bertulis and Jennifer Lynn Dills f/k/a Jennifer Bertulis. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose. Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525, (706) 782-6240

12-6,13,20,27

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NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Jean M. Highsmith and the Heirs at Law of Jean M. Highsmith

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 6, District No. 2, Rabun County, Georgia and being more particularly described as Lot 87, Unit 1, as depicted on survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 8, Page 203, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, Pages 437-446, Rabun County Records, and subsequent amendments of record thereto will expire and be forever foreclosed and barred on and after the 20th day of January, 2013. The tax deed to which this notice relates is dated the 7th day of June, 2011 and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book K-37, at Pages 132-133. The property may be redeemed at any time before the 20th day of January, 2013, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Lenora S. Copeland, 4085 Stillwood Drive, Jacksonville, Florida 32257, Phone: 904-571-5128. Please be governed accordingly. This 8th day day of November, 2012. (L.S.) Lenora S. Copeland. Albert O. English, Attorney, For: Lenora S. Copeland, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Johnnie Hunt, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 30th day of November, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Kathryn Hunt Roberts acting as Executrix of the Johnnie Hunt estate.) Address: PO Box 232, Tiger, GA 30576, Telephone: (706) 490-5047

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Lois Cathey Dotson, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 3rd day December, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Hope Dotson Gragg acting as Executrix of the Lois Cathey Dotson estate.) Address: 10 E. Langston Avenue, Mountain City, GA 30525. Telephone: (706) 982-2345

12-13,20,27, 1-3

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IN THE JUVENILE COURT OF RABUN COUNTY

STATE OF GEORGIA

IN THE INTEREST OF:

CASE NO. 2012-JU-0069, DAKOTAH TITMAN, DOB: 07-11-2004, SEX: FEMALE,

CASE NO. 2012-JU-0070, SALENA SLEDGE, DOB: 03-15-1997, SEX: FEMALE, CHILDREN UNDER EIGHTEEN YEARS OF AGE

NOTICE OF DEPRIVATION HEARING

TO: OLIVER SLEDGE, JR., putative father of the above-named child, Salena Sledge. By Order for Service of publication dated the 5th day of October, 2012, you are hereby notified that on the 29th day of October, 2012, the Rabun County Department of Family and Children Services, Georgia Department of Human Services, filed a Petition for Termination of Parental Rights against you as to the above-named child alleging that the child is deprived and your parental rights to the child should be terminated. You are required to file with the Clerk of Juvenile Court, and to serve upon Special Assistant Attorney General Alfred Chang, an answer in writing within sixty (60) days of the date of the Order for Service by Publication. This Court will conduct a final hearing upon the allegations of the Petition for Termination of Parental Rights against you on the 25th day of February, 2012, at 9:00 a.m. at the Rabun County Courthouse, Clayton, Georgia. The child and other parties involved may be represented by a lawyer at all stages of these proceedings. If you want a lawyer, you may choose and hire your own lawyer. If you want to hire a lawyer, please contact your lawyer immediately. If you want a lawyer but are not able to hire a lawyer without undue financial hardship, you may ask for a lawyer to be appointed to represent you. The Court would inquire into your financial circumstances and if the Court finds you to be financially unable to hire a lawyer, then a lawyer will be appointed to represent you. If you want a lawyer appointed to represent you, you must let the Court or the officer of this Court handling this case know that you want a lawyer immediately. WITNESS, the Honorable Robert C. Cullifer, Judge of said Court, this the 5th day of December, 2012. Honorable Robert Cullifer, Judge, Juvenile Court, Rabun County, Georgia, Mountain Judicial Circuit

12-13,20,27, 1-3

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IN THE PROBATE COURT

COUNTY OF RABUN

STATE OF GEORGIA

IN RE: ESTATE OF Melva Jean Brown, DECEASED, ESTATE NO. 3856,

PETITION FOR LETTERS OF ADMINISTRATION NOTICE

Joseph C. Brown has petitioned to be appointed Administrator of the estate of Melva Jean Brown, deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objection, and must be filed with the court on or before January 7, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number: (706) 782-3614

12-13,20,27, 1-3

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Rachel Arlene Thompson, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 11 day of December, 2012. Witness my/our hand(s) and seal(s), on the day above written. (H. Jimmy Thompson acting as Executor of the Rachel Arlene Thompson estate.) Address: 27 Imperial Lane, Clayton, GA, Telephone: (706) 982-0509.

12-20,27,1-3,10

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Curtis M. Turner, deceased, are hereby notified too make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 14th day of December, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Christina Mooers acting as Executrix of the Curtis M. Turner estate.) Address: PO Box 64, Lakemont, GA 30552, Telephone: (404) 314-5696.

12-20,27,1-3,10

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CITATION

GEORGIA, Rabun COUNTY ESTATE NO. 3859

IN RE: PETITION OF Cammey Carpenter & Stacey Carpenter FOR TEMPORARY

LETTERS OF GUARDIANSHIP

ESTATE OF Harley Shae Stiles, MINOR

DATE OF SECOND PUBLICATION, IF ANY December 27, 2012

TO: Brandon Z Coalley

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to the Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than 14 days after this notice is mailed, or 10 days after this notice is personally served upon you, or ten days after the second publication of this notice if you are served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court at the below address/telephone number for the required amount of filing fees. ***NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as guardian(s), or a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date. Lillian W. Garrett, Probate Judge, By: Savannah B. Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone: 706-782-3614.

12-20,27

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IN THE PROBATE COURT

COUNTY OF RABUN

STATE OF GEORGIA

IN RE: ESTATE OF WILLIAM LEE CRUNKLETON, Deceased ESTATE NO: 3819

PETITION FOR LETTERS OF ADMINISTRATION

NOTICE

By Consent Order, the heirs of the above Decedent have petitioned for Barry Wood to be appointed Administrator of the estate of William Lee Crunkleton, deceased, of said County. (The heirs by Consent Order have also applied for waiver of bond and/or grant of certain powers contained in O.C.G. §53-12-261 for Barry Wood.) All interested parties are hereby notified to show cause why petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objection, and must be filed with the court on or before January 14, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hear will be scheduled at a later date). If no objections are filed, the petition may be granted without a hearing. LillIan W Garrett, Probate Judge, By: Savannah B Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

12-20,27,1-3,10

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Notice is hereby given that articles of incorporation that will incorporate Kay Whiten, Inc. have been delivered to the Georgia Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the Corporation is located at 146 Gleneagle Ct., Clayton, GA 30525, and its initial registered agent at such address is Kay H. Whiten.

12-27,1-3,10,17
Clayton Legals 12.27.12
Dec 27, 2012 | 8107 views | 0 0 comments | 83 83 recommendations | email to a friend | print
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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by George Ledbetter Jr to Mortgage Electronic Registration Systems, Inc. as nominee for Embrace Home Loans, Inc., its successors and assigns dated December 5, 2011 in the amount of $77,265.00, and recorded in Deed Book W37, Page 540, Rabun County, Georgia Records; as last transferred to Embrace Home Loans Inc by assignment; the undersigned, Embrace Home Loans 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, and pursuant to O.C.G.A. Section 9-13-161(a) will on the first Wednesday in January, 2013 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: The land referred to herein below is situated in the County of Rabun, State of Georgia in Deed Book X-24, at Page 125, and is described as follows: All that tract or parcel of land lying and being in Land Lot 1 of the Fifth Land District, City of Clayton, Rabun County, Georgia being 1.08 acres more particularly described on a plat of survey prepared by T. Lamar Edwards, GRLS No. 1837 Dated 10-5-89 recorded in Plat Book 27, Page 182 of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. Less and except that certain 0.40 acre tract of land lying and being in Land Lot 1 of the 5th Land District of Rabun County, Georgia and being further described in that certain Warranty Deed from J.H. Cannon and G.N. Cannon to George Ledbetter, Jr. and Clara G. Ledbetter, dated 5-4-77 and recorded in Deed Book 1-6, Page 29 of the Rabun County Deed Records. Being the same property described in the deed to George Ledbetter, Jr., from Jeffrey Lamar Ledbetter, recorded on August 20, 2003, in Book X-24, at Page 125, of the Public Records of Rabun County, Georgia. which has the property address of 805 Old Chechero Rd, Clayton, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). Said property will be sold as the property of George Ledbetter Jr 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. Embrace Home Loans Inc, Attorney in Fact for George Ledbetter Jr, McCurdy & Candler, L.L.C.,(404) 373-1612, File No. 12-07807 /FHA/efisher. 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.

11-22,29,12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Madelin Lenore Moore, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 26th day of November, 2012. Witness my our hand(s) and seal(s), on the day above written. (Laverne Moore acting as administrator of the Madelin Lenore Moore estate.) Address: 3600 Country Wood Court, Mobile, AL 36619. Telephone: (251) 802-7451

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Gregory P. Reeves and Mary Patricia Reeves to Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Bank, FSB, and its successors and assigns dated April 9, 2008, and recorded in Deed Book O33, Page 292, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by Assignment, securing a Note in the original principal amount of $417,000.00, 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 Wednesday, January 2, 2013, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land, situate, lying and being in Land Lots 75 and 76 in the 5th District of Rabun County, Georgia, being Lot 10 of Wildacres Subdivision according to plat thereof which is recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia, in Plat Book 3, Page 236-7 which plat was made by James E. Frame, Registered Engineer. The subdivision named is a part of the land which was conveyed to L.W. Jones by Deed from Thad L. Bynum and Mrs. Carlton York which Deed is of record in said Clerk's Office in record of Deeds Book Q-2, page 577, and by Mrs. L.W. Jones to R.E. Cannon to a one-half undivided interest which Deed is of record in said Clerk's Office in Record of Deeds Book R-2, page 235. Reference is hereby made to said plat and the record of same and to said deeds and the records of same for full and complete description of said land. There is conveyed herewith the use of the water frontage lying south of the Old Burton Road and within the northerly and southerly lines of said subdivision Lot 10. There is conveyed herewith the right to the use of water from a spring which was conveyed in a deed from Mrs. L. W. Jones and R. E. Cannon on the 6th day of November, 1974, which deed is of record in said Clerk's Office in Deed Book U-2, page 300, to which deed and the record of same reference is hereby made for description of same as well as the right to pipe water as contained in said deed which is not exclusive. This is the same property heretofore conveyed to J. O. Robertson, Jr. and Prudence M. Robertson from Hugh H. Wells, Sr., and Beverly C. Wells by Warranty Deed dated May 8, 1970, and recorded in Deed Book Q-4, page 566, Rabun County, Georgia Records; Prudence M. Robertson have subsequently conveyed her one-half undivided interest therein to J. O. Robertson, Jr., by deed dated April 28, 1975, and recorded in Deed Book U-5, page 294, Rabun County, Georgia Records. For Title reference see Deed in Book J17, Page 247. Said property is known as 632 Timpson Cove Road, Clayton, GA 30525, 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 proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. 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 secured creditor. The property is or may be in the possession of Mary Patricia Reeves, successor in interest or tenant(s). BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP as Attorney-in-Fact for Gregory P. Reeves and Mary Patricia Reeves, successor in title being Mary Patricia Reeves. File no. 12-030221. SHAPIRO & SWERTFEGER, LLP, Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100, Atlanta, GA 30341-3941. (770) 220-2535/EM. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

12-6,13,20,27

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NOTICE TO BAR RIGHT OF REDEMPTION

TO: Kevin L. Driscoll, Mary Jane Driscoll and RBC Centura Bank and any and all occupants of the property described herein. Take notice that: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lots 24 and 25, of the 4th Land District, of Rabun County, Georgia, and being all of Lot No. 102, Block JJ, Unit 1, of Kingwood Estates and consisting of 0.30 acre, more or less, as shown on that plat of the survey prepared by Leonidas Burton Sears, Georgia Registered Land Surveyor No. 2628, dated March 30, 2000, and recorded in Plat Book 45, Pages 18-23 located in the Clerk’s Office, Rabun County Superior Court and reference to said plat being for the express purpose of incorporating its description herein. For prior title, see Tax Sale Deed recorded in Deed Book K37, Page 144, in the Office of Clerk of the Superior Court of Rabun County, Georgia will expire and be forever foreclosed and barred on and after the 20th day of January, 2013. **This date is 45 days from the date the notice runs the first time. The tax deed to which this notice relates is dated the 7th day of June, 2011 and is recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia, in Deed Book K37, Page 144. The property may be redeemed at any time before the 20th day of January, 2013 by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Energy Way Corporation c/o Scenic City Legal Group, PC, P.O. Box 8655, Chattanooga, Tennessee 37414. Please be governed accordingly. This ____ day of _____________, 2012. Steve Steele, President for Energy Way Corporation

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from JAMES ROY LOVELL to UNITED COMMUNITY BANK, dated December 10, 2010, recorded December 10, 2010, in Deed Book T-36, Page 240, Rabun County, Georgia records, as last modified by Modification of Security Deed dated December 13, 2011, recorded in Deed Book X-37, Page 448, Rabun County, Georgia records, said Security Deed being given to secure a Note from JAMES ROY LOVELL dated December 13, 2011, in the original principal amount of Fifty Seven Thousand Six Hundred Eighty Three and 85/100 ($57,683.85) 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 Rabun County, Georgia, within the legal hours of sale on the first Wednesday in January, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 22 of the Second Land District of Rabun County, Georgia and being in the City of Clayton and being described as Lot 11 containing 0.50 acre as more fully described on that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated February 9, 2004, last revised March 31, 2004 and recorded in Plat Book 51, Page 215, the office of the Clerk of Rabun Superior Court. Reference is hereby had and made to said plat of survey for the purpose of incorporating same herein for a full and complete description of the properties herein conveyed. The above described Lot 11 abuts Orme Street, a public road. The property conveyed herein is subject to the City of Clayton ordinance and the Rabun County ordinance where same are applicable to Lot 11. 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 JAMES ROY LOVELL or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for JAMES ROY LOVELL, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513,

(706) 632-7923, File No. 7484A-03410

12-6,13,20,27

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by William M. Hibner and Sally L. Hibner to Mortgage Electronic Registration Systems, Inc., dated February 12, 2009, recorded in Deed Book S34, Page 689, Rabun County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book J37, Page 653, and as re-recorded in Deed Book N38, Page 292, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-SEVEN THOUSAND FOUR HUNDRED SEVENTY-FIVE AND 0/100 DOLLARS ($167,475.00), 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 Rabun County, Georgia within the legal hours of sale on the first Wednesday in January, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. To the best knowledge and belief of the undersigned, the party in possession of the property is William M. Hibner and Sally L. Hibner or a tenant or tenants and said property is more commonly known as 70 Paris St, Clayton, Georgia 30525-4199. 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. successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP as Attorney in Fact for William M. Hibner and Sally L. Hibner McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, MR/krc1 1/2/13 Our file no. 5416512-FT11. EXHIBIT “A”, All those tracts or parcels of land lying and being in Land Lot 21 of the Second Land District of Rabun County, Georgia, containing 0.936 acre and being designated as Lots 5, 6, 7, 8 and 13 and also designated as the Abraham H. Kulp and Dorothea Kulp Tract as shown on that certain plat of survey prepared by Rufus Gerald Sadler, Georgia Registered Land Surveyor No. 1444, dated June 26, 2001, revised October 18, 2001, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 46, Page 246. Referenced is had and made to said plat and record of the same for a full and complete description of the property herein described. PPN: C005 034 Commonly known as 70 Paris Street, Clayton, GA 30525 MR/krc1 1/2/13 Our file no. 5416512 - FT11

12-6,13,20,27

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by William A. Stafford and Mary S. Stafford to One Reverse Mortgage, LLC, dated February 9, 2009, recorded in Deed Book R34, Page 393, Rabun County, Georgia Records, as last transferred to Reverse Mortgage Solutions, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of SIX HUNDRED THOUSAND AND 0/100 DOLLARS ($600,000.00), 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 Rabun County, Georgia within the legal hours of sale on the first Wednesday in January, 2013, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Reverse Mortgage Solutions, Inc. is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Reverse Mortgage Solutions, Inc., 2727 Spring Creek Drive, Spring, TX 77373, 281-404-7800. To the best knowledge and belief of the undersigned, the party in possession of the property is Mary S. Stafford and W. A. Stafford or a tenant or tenants and said property is more commonly known as 10 Dicks Creek Rd, Clarksville, Georgia 30523. 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. Reverse Mortgage Solutions, Inc. as Attorney in Fact for William A. Stafford and Mary S. Stafford McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, MR/pvm 1/2/13 Our file no. 5634712-FT17 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 104 of the 5th Land District of Rabun County, Georgia consisting of 1.149 acres shown upon a plat of survey prepared by Brett Chandler & Associates, GRLS No. 2816, dated revised 2/17/2004 and recorded in Plat Book 57, Page 143 of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. Commonly known as 10 Dicks Creed Rd, Clarkesville, GA 30523 MR/pvm 1/2/13 Our file no. 5634712 - FT17

12-6,13,20,27

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN 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 Thor Anderson to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR FREMONT INVESTMENT & LOAN, dated September 18, 2006, recorded in Deed Book W30, Page 40, Rabun County, Georgia records, as last transferred to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D by assignment recorded or to be recorded, Rabun County, Georgia records conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-EIGHT THOUSAND, SEVEN HUNDRED TWENTY AND NO/100 DOLLARS ($138,720.00); 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 Rabun County, Georgia, within the legal hours of sale on the first Wednesday in January, 2013 the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1 OF THE FOURTH LAND DISTRICT OF RABUN COUNTY, GEORGIA AND BEING TRACT C, CONSISTING OF 0.51 ACRE AS DESCRIBED UPON PLAT OF SURVEY DATED JANUARY 23, 2003, PREPARED BY WILLIAM F. ROLADER, GEORGIA REGISTERED LAND SURVEYOR NO. 2042, SAID SURVEY BEING RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RABUN COUNTY, GEORGIA IN PLAT BOOK 48, PAGE 241. SAID SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A FULL AND COMPLETE DESCRIPTION OF THE ABOVE DESCRIBED LANDS. THERE IS ALSO CONVEYED A PERPETUAL, NON-EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR THAT CERTAIN ROAD SIXTEEN (16) FEET IN WIDTH EXTENDING FROM MERRYDALE ROAD TOGETHER WITH A PERPETUAL, NON EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR A CULDESAC HAVING A RADIUS OF TWENTY (20) FEET, SAID ROAD AND CULD\ESAC BEING SHOWN UPON THE ABOVE REFERENCED PLAT OF SURVEY, SAID EASEMENT SHALL BE FOR THE PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT C AND BE AN EASEMENT APPURTENANT TO TRACT C AND SHALL INURE TO THE BENEFIT OF THE OWNERS OF TRACTS C, THEIR HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS. THE GRANTOR RESERVES THE RIGHT FOR HIMSELF, HIS HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS, TO USE MAINTAIN AND REPAIR THE ABOVE DESCRIBED ROAD AND CULDESAC FOR PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT A AND TRACT B AS SHOWN UPON THE ABOVE REFERENCED PLAT OF SURVEY. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). 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, Attention: Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, Fax 407-737-5693. 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 parties in possession of the property are Thor Anderson or a tenant or tenants and said property is more commonly known as 218 Merrydale Ln, Clayton, GA 30525. 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 FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D. As Attorney in Fact for Thor Anderson, Weissman, Nowack, Curry & Wilco, PC., Attn: Ocwen Team, One Alliance Center, 3500 Lenox Road, Atlanta, GA 30326, (866) 357-8501, Our File# 013142

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Jesse N. Rickman, Sr., deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 29th day of November, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Joseph H. Rickman, Mary R. Story acting as Co-Executors of the Jesse N. Rickman, Sr., estate.) Address: P.O. Box 681, Clayton, GA 30525, Telephone: (706) 782-3716

12-6,13,20,27

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GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from TIMMY R BROWN to MOUNTAIN HERITAGE BANK dated February 28, 2005 and recorded in Deed Book U-27, Pages 30-36 of the Rabun County deed records given to secure a promissory note in the amount of SEVEN THOUSAND NINETY FIVE AND 46/100 ($7,095.46) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on WEDNESDAY, JANUARY 2, 2013, the following described property: All tract or parcel of land lying and being in Land Lot 18 of the Fourth Land District of Rabun County, Georgia and being more particularly described as follows, to wit: For a full and complete description of the real property being hereby conveyed, reference is hereby had and made to a plat of survey dated November 2, 1993, revised on August 8, 2000 for division of Tract 2 and prepared by William F. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is Tract 2-A containing 0.38 acres. Said plat is of record in Plat Book 45, Page 209 in the Office of the Clerk of the Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said Tract 2-A containing 0.38 acres as depicted thereon. NOTE: Reference is hereby had and made to a Warranty Deed dated March 24, 1994 from Tommy R. Brown and Sylvia Anne Brown to Timmy R. Brown. Said Warranty Deed is of record in Deed Book Y-14, Page 94, aforesaid records. Also conveyed are perpetual non-exclusive road right of way easement rights over and across the gravel drive as set forth in said Warranty Deed. Said tract or parcel of land is hereby conveyed subject to those portions of the same that are traversed by said gravel drive. NOTE: Also conveyed, are those water rights set forth on said above referenced Warranty Deed, affecting the above conveyed Tract 2. Said tract or parcel of land is hereby conveyed subject to said drain field and septic tank easements. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property TIMMY R. BROWN 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) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned TIMMY R. BROWN is in possession of said property. 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. A copy of this notice was mailed to the debtor to-wit: TIMMY R. BROWN by certified mail, return receipt requested, on DECEMBER 2, 2012 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for TIMMY R BROWN, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525,(706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

12-6,13,20,27

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GEORGIA

RABUN COUNTY
NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from James Josef Dills f/k/a James Bertulis and Jennifer Lynn Dills f/k/a Jennifer Bertulis to MOUNTAIN HERITAGE BANK dated JANUARY 23, 2004 and recorded in Deed Book U-25, pages 153-155 of the Rabun County deed records given to secure a promissory note in the amount of SIXTY-SEVEN THOUSAND FIVE HUNDRED and 00/100 Dollars ($67,500.00), there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on Wednesday January 2, 2013, the following described property: 378 Ponderosa Road, Rabun Gap, GA 30568. All that tract or parcel of land lying and being in Land Lot 165 of the Second Land District, Rabun County, Georgia, containing 1.51 acres as more particularly described on a plat of survey dated may 14, 1997, prepared by William F. Rolader, GRLS #2042, said plat recorded in Plat Book 38, Page 128, Rabun County plat records, said plat and recorded of the same being incorporated herein by reference. The above-described property is conveyed subject to any and all easements of record and also conveyed are all easements and appurtenances to said property, including water rights. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees. The said property will be sold as the property of James Josef Dills and Jennifer Lynn Dills subject to (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) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned James Josef Dills and Jennifer Lynn Dills are in possession of said property. 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. A copy of this notice was mailed to the debtors to-wit: James Josef Dills and Jennifer Lynn Dills by certified mail, return receipt requested on December 2, 2012 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for James Josef Dills f/k/a James Bertulis and Jennifer Lynn Dills f/k/a Jennifer Bertulis. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose. Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525, (706) 782-6240

12-6,13,20,27

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NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Jean M. Highsmith and the Heirs at Law of Jean M. Highsmith

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 6, District No. 2, Rabun County, Georgia and being more particularly described as Lot 87, Unit 1, as depicted on survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 8, Page 203, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, Pages 437-446, Rabun County Records, and subsequent amendments of record thereto will expire and be forever foreclosed and barred on and after the 20th day of January, 2013. The tax deed to which this notice relates is dated the 7th day of June, 2011 and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book K-37, at Pages 132-133. The property may be redeemed at any time before the 20th day of January, 2013, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Lenora S. Copeland, 4085 Stillwood Drive, Jacksonville, Florida 32257, Phone: 904-571-5128. Please be governed accordingly. This 8th day day of November, 2012. (L.S.) Lenora S. Copeland. Albert O. English, Attorney, For: Lenora S. Copeland, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Johnnie Hunt, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 30th day of November, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Kathryn Hunt Roberts acting as Executrix of the Johnnie Hunt estate.) Address: PO Box 232, Tiger, GA 30576, Telephone: (706) 490-5047

12-6,13,20,27

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Lois Cathey Dotson, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 3rd day December, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Hope Dotson Gragg acting as Executrix of the Lois Cathey Dotson estate.) Address: 10 E. Langston Avenue, Mountain City, GA 30525. Telephone: (706) 982-2345

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IN THE JUVENILE COURT OF RABUN COUNTY

STATE OF GEORGIA

IN THE INTEREST OF:

CASE NO. 2012-JU-0069, DAKOTAH TITMAN, DOB: 07-11-2004, SEX: FEMALE,

CASE NO. 2012-JU-0070, SALENA SLEDGE, DOB: 03-15-1997, SEX: FEMALE, CHILDREN UNDER EIGHTEEN YEARS OF AGE

NOTICE OF DEPRIVATION HEARING

TO: OLIVER SLEDGE, JR., putative father of the above-named child, Salena Sledge. By Order for Service of publication dated the 5th day of October, 2012, you are hereby notified that on the 29th day of October, 2012, the Rabun County Department of Family and Children Services, Georgia Department of Human Services, filed a Petition for Termination of Parental Rights against you as to the above-named child alleging that the child is deprived and your parental rights to the child should be terminated. You are required to file with the Clerk of Juvenile Court, and to serve upon Special Assistant Attorney General Alfred Chang, an answer in writing within sixty (60) days of the date of the Order for Service by Publication. This Court will conduct a final hearing upon the allegations of the Petition for Termination of Parental Rights against you on the 25th day of February, 2012, at 9:00 a.m. at the Rabun County Courthouse, Clayton, Georgia. The child and other parties involved may be represented by a lawyer at all stages of these proceedings. If you want a lawyer, you may choose and hire your own lawyer. If you want to hire a lawyer, please contact your lawyer immediately. If you want a lawyer but are not able to hire a lawyer without undue financial hardship, you may ask for a lawyer to be appointed to represent you. The Court would inquire into your financial circumstances and if the Court finds you to be financially unable to hire a lawyer, then a lawyer will be appointed to represent you. If you want a lawyer appointed to represent you, you must let the Court or the officer of this Court handling this case know that you want a lawyer immediately. WITNESS, the Honorable Robert C. Cullifer, Judge of said Court, this the 5th day of December, 2012. Honorable Robert Cullifer, Judge, Juvenile Court, Rabun County, Georgia, Mountain Judicial Circuit

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IN THE PROBATE COURT

COUNTY OF RABUN

STATE OF GEORGIA

IN RE: ESTATE OF Melva Jean Brown, DECEASED, ESTATE NO. 3856,

PETITION FOR LETTERS OF ADMINISTRATION NOTICE

Joseph C. Brown has petitioned to be appointed Administrator of the estate of Melva Jean Brown, deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objection, and must be filed with the court on or before January 7, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number: (706) 782-3614

12-13,20,27, 1-3

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Rachel Arlene Thompson, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 11 day of December, 2012. Witness my/our hand(s) and seal(s), on the day above written. (H. Jimmy Thompson acting as Executor of the Rachel Arlene Thompson estate.) Address: 27 Imperial Lane, Clayton, GA, Telephone: (706) 982-0509.

12-20,27,1-3,10

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Curtis M. Turner, deceased, are hereby notified too make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 14th day of December, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Christina Mooers acting as Executrix of the Curtis M. Turner estate.) Address: PO Box 64, Lakemont, GA 30552, Telephone: (404) 314-5696.

12-20,27,1-3,10

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CITATION

GEORGIA, Rabun COUNTY ESTATE NO. 3859

IN RE: PETITION OF Cammey Carpenter & Stacey Carpenter FOR TEMPORARY

LETTERS OF GUARDIANSHIP

ESTATE OF Harley Shae Stiles, MINOR

DATE OF SECOND PUBLICATION, IF ANY December 27, 2012

TO: Brandon Z Coalley

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to the Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing, setting forth the grounds of any such objections, and must be filed with this Court no later than 14 days after this notice is mailed, or 10 days after this notice is personally served upon you, or ten days after the second publication of this notice if you are served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court at the below address/telephone number for the required amount of filing fees. ***NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as guardian(s), or a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date. Lillian W. Garrett, Probate Judge, By: Savannah B. Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone: 706-782-3614.

12-20,27

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IN THE PROBATE COURT

COUNTY OF RABUN

STATE OF GEORGIA

IN RE: ESTATE OF WILLIAM LEE CRUNKLETON, Deceased ESTATE NO: 3819

PETITION FOR LETTERS OF ADMINISTRATION

NOTICE

By Consent Order, the heirs of the above Decedent have petitioned for Barry Wood to be appointed Administrator of the estate of William Lee Crunkleton, deceased, of said County. (The heirs by Consent Order have also applied for waiver of bond and/or grant of certain powers contained in O.C.G. §53-12-261 for Barry Wood.) All interested parties are hereby notified to show cause why petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objection, and must be filed with the court on or before January 14, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hear will be scheduled at a later date). If no objections are filed, the petition may be granted without a hearing. LillIan W Garrett, Probate Judge, By: Savannah B Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

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Notice is hereby given that articles of incorporation that will incorporate Kay Whiten, Inc. have been delivered to the Georgia Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the Corporation is located at 146 Gleneagle Ct., Clayton, GA 30525, and its initial registered agent at such address is Kay H. Whiten.

12-27,1-3,10,17
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