12-1520L

STATE OF GEORGIA COUNTY of SPALDING NOTICE OF SALE UNDER POWER By virtue of the power of sale contained in that certain Deed to Secure Debt from PAMELA T. CHAVOUS and JOEL A. CHAVOUS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated April 16, 2009, filed for record April 24, 2009, and recorded in Deed Book 3352, Page 94, SPALDING County, Georgia Records, as last transferred to BANK OF AMERICA, N.A., SBM TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP by assignment recorded in Deed Book 3549, Page 348, SPALDING County, Georgia Records, corrective assignment recorded in Deed Book 3671, Page 346, SPALDING County, Georgia Records. Said Deed to Secure Debt having been given to secure a Note dated April 16, 2009 in the original principal sum of ONE HUNDRED THIRTY EIGHT THOUSAND THREE HUNDRED EIGHTY AND 0/100 DOLLARS ($138,380.00), with interest from date at the rate stated in said Note on the unpaid balance until paid, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at SPALDING County, Georgia, within the legal hours of sale on the first Tuesday in December, the property described. ALL THAT CERTAIN PARCEL OF LAND SITUATED IN THE COUNTY OF SPALDING, STATE OF GEORGIA, BEING KNOWN AND DESIGNATED AS ALL THAT LOT, TRACT OR PARCEL OF LAND SITUATE LYING AND BEING IN LAND LOT 77 OF THE 4TH LAND DISTRICT OF ORGINALLY HENRY, NOW SPALDING COUNTY, GEORGIA, AND BEING MORE PARTICULARLY SHOWN AND DESIGNATED AS AREA: 4.458 ACRES, ON A PLAT OF SURVEY ENTITLE 'PROPERTY SURVEY FOR JOEL A. CHAVOUS AND PAMELA T. CHAVOUS', PREPARED BY KENNETH E. PRESLEY, REGISTERED LAND SURVEYOR, DATED JULY 2, 1992, A COPY OF WHICH SAID PLAT IS RECORDED IN PLAT BOOK 20, PAGE 177, OF THE SUPERIOR COURT RECORDS OF SPALDING COUNTY, GEORGIA, AND WHICH SAID PLAT, TOGETHER WITH THE METES, BOUNDS, COURSES AND DISTANCES SHOWN THEREON WITH RESEPECT TO SAID PROPERTY, IS INCORPORATED HEREIN AND MADE A PART HEREOF AS FULLY AS IF SET OUT HEREIN. MAP REF; 262-02-013, AS DESCRIBED IN DEED BOOK 3213 AT PAGE 336, DATED 01/23/2008 AND RECORDED 02/06/2008. TAX/PARCEL ID: 262-02-013 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. BANK OF AMERICA, N.A., SBM TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP holds the duly indorsed Note and is the assignee of the Security Deed to your property. BANK OF AMERICA, N.A. services your loan on behalf of BANK OF AMERICA, N.A., SBM TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, the current beneficial owner of your loan. The servicer of this loan is BANK OF AMERICA, N.A.. The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is BANK OF AMERICA, N.A., 7105 CORPORATE DR, PLANO, TX 75024-4100;. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. Said property will be sold as the property of PAMELA T. CHAVOUS and JOEL A. CHAVOUS. BANK OF AMERICA, N.A., SBM TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP As Attorney-in-Fact for PAMELA T. CHAVOUS JOEL A. CHAVOUS Phelan Hallinan PLC 303 Perimeter Center North, Suite 800 Atlanta, GA 30346 Telephone: 770-393-4300 Fax: 770-393-4310 PH # 10820 This law firm is acting as a debt collector. Any information obtained will be used for that purpose.

November 9, 16, 23, & 30, 2012.