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By virtue of Power of Sale contained in Deed to Secure Debt from LOUIS J. WILLIAMS, hereinafter GRANTOR, in favor of AMERICAN GENERAL FINANCIAL SERVICES, INC., N/K/A SPRINGLEAF FINANCIAL SERVICES, INC., dated the 17th day of August, 2007, and filed for record the 21st day of August, 2007, in Deed Book 435, Page 161, Appling County, Georgia Records; said Deed to Secure Debt being given to secure a Promissory Note of even date in the original principal amount of Fifty Four Thousand Two Hundred Thirteen and 50/100ths Dollars ($54,213.50), with interest from date as stated therein; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at APPLING County, Georgia, within the legal hours of sale on the first Tuesday in APRIL, 2012, the following described property:
All that tract or parcel of land lying and being in Land Lot No. 349 of the Second Land District of Appling County, Georgia, consisting of 1.98 acres, more or less, and being described as Tract Eleven (11), according to that certain plat of survey prepared by Merlin L. Tomberlin, GRLS No. 2477, dated December 27, 1994, recorded in Plat Book 13, Page 409, in the Office of the Clerk of Superior Court of Appling County, Georgia, and incorporated herein for all purposes.
Provided however, this conveyance is made subject to the restrictive covenants contained in the deed from Jon Lott and Zachary Morris Johnson to R.L. Branch and Theresa A. Branch dated May 14, 1996, recorded in the aforesaid Clerk's office in Deed Book 293, Page 414.
This is the same property conveyed by Warranty Deed from Glenn Crummey to Louis J. Williams, dated 4/22/2005, recorded 4/26/2005, in Deed Book 402, Page 798, Appling County, Georgia Records.
The debt secured by said Deed to Secure Debt 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. Said property will be sold subject to any outstanding ad valorem taxes, special assessments, unpaid utility bills constituting liens against the property, and all Deeds to Secure Debt, liens and encumbrances existing when the above-described Deed to Secure Debt was filed for record. To the best of the undersigned's knowledge, information and belief, equitable title to this property is held by LOUIS J. WILLIAMS. This property is located at 968 Max Deen Drive, Baxley, GA 31513.
SPRINGLEAF FINANCIAL SERVICES, INC.
as Attorney-in-Fact for the
above-named Grantor
SPRINGLEAF FINANCIAL SERVICES, INC.
by Robert W. Broome, Attorney
1800 Peachtree Street, NW Suite 445
Atlanta, Georgia 30309
#404-350-8349
3-7, 3-14, 3-21 & 3-28ch

Under and by virtue of the Power of Sale contained in a Security Deed given by Perry Underhill, Jr. and Shirley A Underhill to Bank of America, N.A., dated October 21, 2004, recorded in Deed Book 396, Page 386, Appling County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-NINE THOUSAND AND 0/100 DOLLARS ($129,000.00), 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 Appling County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, 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. 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. 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 Perry Underhill, Jr. and Shirley A Underhill or a tenant or tenants and said property is more commonly known as 195 Heath Street, Baxley, Georgia 31513. 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. This law firm is seeking solely to foreclose the creditor?s lien on real estate and this law firm will not be seeking a personal money judgment against you. Bank of America, N.A.
as Attorney in Fact for Perry Underhill, Jr. and Shirley A Underhill
McCalla Raymer, LLC
1544 Old Alabama Road Roswell, Georgia 30076
www.foreclosurehotline.net
MR/nrb1 4/3/12
Our file no. 5156012-FT11
EXHIBIT A All that tract or parcel of land lying and being in Land Lot No. 244 of the 2nd Land District of Appling County, Georgia, consisting of 0.918 acre, more or less, and being bounded, now or formerly, as follows: North and East by lands of Kathy Atkins; South by the Northern right-of-way of Heath Street; and West by the Eastern right-of-way of Alicia Street. For a more particular description reference is hereby made to a survey and plat thereof prepared by Denean W. Dixon and Associates, certified by Denean W. Dixon, G.R.L.S. No. 1647, dated October 7, 2002, recorded in Plat Book 16, Page 243, of the records of the Clerk of Superior Court of Appling County, Georgia, and incorporated herein for a more full and complete description and all other legal purposes. This being the same and identical property conveyed from Katherine C. Atkins to Medders Construction Company, Inc. by deed dated October 25, 2002, recorded in Deed Book 367, Page 114 of the records of the Clerk of Superior Court of Appling County, Georgia.
MR/nrb1 4/3/12
Our file no. 5156012 - FT11
3-7, 3-14, 3-21 & 3-28ch

Under and by virtue of the Power of Sale contained in a Security Deed given by Michael Mosley to Bank of America, N.A., dated March 18, 2008, recorded in Deed Book 443, Page 70, Appling County, Georgia Records, as last transferred to M&T Bank by assignment to be recorded in the Office of the Clerk of Superior Court of Appling County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of NINETY-FOUR THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($94,500.00), 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 Appling County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: M&T Mortgage Corporation, P.O. Box 1288, Buffalo, NY 14240, 800-724-1633. 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 P Mosley or a tenant or tenants and said property is more commonly known as 282 Ricardo Street, Baxley, Georgia 31513. 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. This law firm is seeking solely to foreclose the creditor's lien on real estate and this law firm will not be seeking a personal money judgment against you.
M&T Bank
as Attorney in Fact for Michael Mosley
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/ac7 4/3/12
Our file no. 5108312-FT15
EXHIBIT A All that tract or parcel of land lying and being in Land Lot No. 284 of the Second Land District of Appling County, Georgia, consisting of 0.436 acre, more or less, being Lot 107 and the Western half of Lot 106, Block 6, Weatherly Park Subdivision, and being more particularly describe as follows: Beginning at the point of intersection of the Northern right-of-way of Ricardo Street with the Eastern right-of-way of Cypress Drive; thence North 00 degrees 11 minutes 20 seconds West along and with the Eastern right-of-way of Cypress Drive 144.65 feet to a point; thence North 89 degrees 56 minutes East a distance of 131.1 feet to a point; thence South 00 degrees 11 minutes 20 seconds East a distance of 145.09 feet to a point on the Northern right-of-way of Ricardo Street; thence along and with the Northern right-of-way of Ricardo Street North 89 degrees 52 minutes 20 seconds West a distance of 131.10 feet to the point of beginning. For a more particular description reference is hereby made to a survey and plat thereof prepared by Denean W. Dixon, G.R.L.S. No. 1647, dated December 28, 1996, recorded in Plat Book 14, page 209, of the records of the Clerk of Superior Court of Appling County, Georgia, and incorporated herein for a more full and complete description and all other legal purposes. This being the same identical property conveyed from Kelvin Skinner, et. al. to Lana L. Morris by deed dated January 28, 1997, recorded in Deed Book 299, Page 446 of the records of the Clerk of Superior Court of Appling County, Georgia. Less and except: All that tract or parcel of land lying and being in Land Lot No. 284 of the Second Land District of Appling County, Georgia, conveyed from Lana L. Morris to the City of Baxley, Georgia, by Right of Way Deed dated May 3, 2002, recorded in Deed Book 366, Page 470, of the records of the Clerk of Superior Court of Appling County, Georgia.
MR/ac7 4/3/12
Our file no. 5108312 - FT15
3-7, 3-14, 3-21 & 3-28ch

Under and by virtue of the Power of Sale contained in a Security Deed given by Michael P Mosley to Bank of America, N.A., dated August 29, 2008, recorded in Deed Book 449, Page 784, Appling County, Georgia Records, as last transferred to M&T Bank by assignment to be recorded in the Office of the Clerk of Superior Court of Appling County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-EIGHT THOUSAND SEVEN HUNDRED FIFTY AND 0/100 DOLLARS ($78,750.00), 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 Appling County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: M&T Mortgage Corporation, P.O. Box 1288, Buffalo, NY 14240, 800-724-1633. 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 P Mosley or a tenant or tenants and said property is more commonly known as 137 Colonial Drive, Baxley, Georgia 31513. 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. This law firm is seeking solely to foreclose the creditor?s lien on real estate and this law firm will not be seeking a personal money judgment against you.
M&T Bank
as Attorney in Fact for Michael P Mosley
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/ac7 4/3/12
Our file no. 5114012-FT15
EXHIBIT A All that tract or parcel of land lying, being and situated in Land Lot No. 284 of the Second Land District of Appling County, Georgia, and being designated as Lot No. 119 of Block 8 of what is known as Weatherly Park Subdivision, on that certain survey and plat thereof prepared by E.E. Singletary, G.R.L.S. No. 786, recorded in Plat Book 4, Page 239, of the records of the Clerk of Superior Court of Appling County, Georgia, and incorporated herein for a more full and complete description and all other legal purposes. Said property is bounded, now or formerly, as follows: North by Lot Number 121 of the above described plat: East by Lot Number 118 of the above described plat: South by Lot Number 117 of the above described plat; and West by the eastern right of way of Colonial Avenue. This being the same and identical property conveyed from Robert L. Kleffman and Elizabeth L. Kelffman to Guy P. Portulas by deed dated December 14, 1999, recorded in Deed Book 332, Page 27 of the records of the Clerk of Superior Court of Appling County, Georgia.
MR/ac7 4/3/12
Our file no. 5114012 - FT15
3-7, 3-14, 3-21 & 3-28ch

Under and by virtue of the Power of Sale contained in a Security Deed given by Michael P Mosley to Bank of America, N.A., dated October 18, 2007, recorded in Deed Book 437, Page 314, Appling County, Georgia Records, as last transferred to M&T Bank by assignment recorded in Deed Book 484, Page 443, Appling County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SEVEN THOUSAND NINE HUNDRED AND 0/100 DOLLARS ($77,900.00), 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 Appling County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, 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. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: M&T Mortgage Corporation, P.O. Box 1288, Buffalo, NY 14240, 800-724-1633. 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 P Mosley or a tenant or tenants and said property is more commonly known as 232 Second Street, Baxley, Georgia 31513. 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. This law firm is seeking solely to foreclose the creditor's lien on real estate and this law firm will not be seeking a personal money judgment against you. M&T Bank
as Attorney in Fact for Michael P Mosley
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
www.foreclosurehotline.net
MR/ac7 4/3/12
Our file no. 5114212-FT15
EXHIBIT ?A? All that tract or parcel of land lying, being and situated in Land Lot No. 294 of the Second Land District of Appling County, Georgia, and being designated as Lot No. 16 of Block B of what is known as Sunset Park Subdivision, on that certain survey and plat thereof prepared by Olen J. Baxley, Appling County Surveyor, dated May 19, 1960, recorded in Plat Book 3, Page 336, of the records of the Clerk of Superior Court of Appling County, Georgia, and incorporated herein for more full and complete description and all other legal purposes. Said property is bounded, now or formerly, as follows: North by Lot 4 and 5, Block B, Sunset Park Subdivision, East by Lot 17, Block B, Sunset Park Subdivision: South by the Northern Right of Way of Second Street; and West by Lot 15, Block B, Sunset Park Subdivision. This being the same and identical property conveyed from Annie Ruth Tillman, et. all. To Carla A. Poston by deed dated May 17, 2001, recorded in Deed Book 347, Page 375 of the records of the Clerk of Superior Court of Appling County, Georgia and conveyed from Kenneth E. Miles to Carla A. Poston by deed dated May 16, 2001, recorded in Deed Book 347, Page 377 of the records of the Clerk of Superior Court of Appling County, Georgia.
MR/ac7 4/3/12
Our file no. 5114212 - FT15
3-7, 3-14, 3-21 & 3-28ch

By virtue of the power of sale contained in that certain Deed to Secure Debt/Security Deed dated September 24, 2008, executed by Sheila A. White to Charter One, a division of RBS Citizens, N.A., said Security Deed having been recorded on October 10, 2008 in Book 451, Page 223, Appling County, Georgia Records, said Deed to Secure Debt/Security Deed having been given to secure a Note dated September 24, 2008, in the original principal sum of Thirty-Three Thousand Five Hundred Eight and no/100 ($33,538.00), with interest from date at the rate stated in said Note on the unpaid balance until paid, will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Appling County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the property described as:
ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT NO. 339 IN THE SECOND LAND DISTRICT OF APPLING COUNTY, GEORGIA, CONTAINING THREE ACRES, MORE OR LESS, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHWEST CORNER OF LAND LOT NO. 339 THENCE SOUTH 89 DEGREES 27 MINUTES 05 SECONDS EAST A DISTANCE OF 404.16 FEET TO THE POINT OF BEGINNING; THENCE NORTH 00 DEGREE 32 MINUTES 55 SECONDS EAST FOR A DISTANCE OF 561.64 FEET TO A POINT; THENCE SOUTH 87 DEGREES 19 MINUTES 50 SECONDS EAST FOR A DISTANCE OF 234.65 FEET ALONG THE RIGHT OF WAY OF STATE ROUTE 144; THENCE SOUTH 00 DEGREE 32 MINUTES 55 SECONDS WEST FOR A DISTANCE OF 552.96 FEET; THENCE NORTH 89 DEGREES 27 MINUTES 05 SECONDS WEST FOR A DISTANCE OF 234.49 FEET ALONG THE SOUTHERN LAND LOT LINE TO THE POINT OF BEGINNING. SAID PROPERTY IS MORE PARTICULARLY SHOWN AND DESCRIBED ON THAT CERTAIN PLAT PREPARED BY MERLIN J. TOMBERLIN, GRLS NO. 2477, DATED JUNE 10, 1993, A COPY OF WHICH IS RECORDED IN DEED BOOK 269, PAGE 59, APPLING COUNTY DEED RECORDS, AND BY REFERENCE INCORPORATED HEREIN FOR DESCRIPTIVE AND ALL OTHER PURPOSES.
Parcel No.: 0048 015D
Which has the property address of 1500 HWY 144, Baxley, GA 31513,
Together with all fixtures and other personal property conveyed by said deed.
The debt secured by said Deed to Secure Debt/Security Deed 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.
Said property will be sold as the property of Sheila A. White, subject to the outstanding ad valorem taxes and/or assessments, if any, and all rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record having priority over this Deed to Secure Debt/Security Deed.
Said property will be sold as the property of Sheila A. White 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 Deed to Secure Debt/Security Deed.
Charter One, a division of RBS Citizens, N.A.
as attorney-in-fact for
Sheila A. White
Charter One, a division of RBS Citizens, N.A
Attn: Loss Mitigation
10561 Telegraph Rd.
Glen Allen, VA 23059
804-627-4912
By:
Trustee Management Company
10975 El Monte, Suite 225
Overland Park, KS 66211
1-800-478-2580
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
3-7, 3-14, 3-21 & 3-28ch