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Notice of Sale Under Power.
State of Georgia, County of FRANKLIN.
Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by FORT STREET HOMES LLC AND WZB HOLDINGS LLC AND WAKTER F BELL AND KELCIE NOELLE BELL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS) AS NOMINEE FOR CITADEL SERVICING CORPORATION DBA ACRA LENDING, dated 08/28/2024, and Recorded on 10/11/2024 as Book No. 01647 and Page No. 66 87, FRANKLIN County, Georgia records, as last assigned to COMPUTERSHARE TRUST COMPANY, N.A., NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE OF MFA 2024 NQM3 TRUST (the Secured Creditor), by assignment, conveying the after described property to secure a Note of even date in the original principal amount of $110,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the FRANKLIN County Courthouse within the legal hours of sale on the first Tuesday in June, 2026, the following described property: THE LAND REFERRED TO HEREIN IS SITUATED IN FRANKLIN COUNTY, STATE OF GEORGIA, AND IS DESCRIBED AS FOLLOWS:
ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN GMD 263, FRANKLIN COUNTY, GEORGIA, AND BEING LOT 16B ACCORDING TO THAT RECOMBINATION PLAT FOR NAILS CREEK CROSSING, PREPARED BY GULF ATLANTIC FORESTRY CONSULTING FORESTERS & SURVEYORS, GRLS, DATED MARCH 4, 2009, AND RECORDED IN PLAT BOOK 29, PAGE 17, FRANKLIN COUNTY, GEORGIA PLAT RECORDS, WHICH PLATS AND RECORDS THEREOF ARE INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE SUBJECT PROPERTY. SAID PROPERTY IS CONVEYED TOGETHER WITH AND SUBJECT TO ALL EASEMENTS, COVENANTS, AND RESTRICTIONS OF RECORD, IF ANY.
The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorneys fees (notice of intent to collect attorneys fees having been given). COMPUTERSHARE TRUST COMPANY, N.A., NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE OF MFA 2024 NQM3 TRUST holds the duly endorsed Note and is the current assignee of the Security Deed to the property. SERVICEMAC LLC, acting on behalf of and, as necessary, in consultation with COMPUTERSHARE TRUST COMPANY, N.A., NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE OF MFA 2024 NQM3 TRUST (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan.
Pursuant to O.C.G.A. § 44 14 162.2, SERVICEMAC LLC may be contacted at: SERVICEMAC LLC, 9726 OLD BAILES RD., SUITE 200, FORT MILL, SC 29707 7882, 855 979 1093. Please note that, pursuant to O.C.G.A. § 44 14 162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 542 NAILS CREEK CROSSING, ROYSTON, GEORGIA 30662 is/are: FORT STREET HOMES LLC AND WZB HOLDINGS LLC AND WAKTER F BELL AND KELCIE NOELLE BELL or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9 13 172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.
COMPUTERSHARE TRUST COMPANY, N.A., NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE OF MFA 2024 NQM3 TRUST as Attorney in Fact for FORT STREET HOMES LLC AND WZB HOLDINGS LLC AND WAKTER F BELL AND KELCIE NOELLE BELL. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
00000010577898
BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP 4004 Belt Line Road, Suite 100 Addison, Texas 75001 Telephone: (972) 341 5398.
#909201-5/28

gpn11
NOTICE OF SALE UNDER POWER
IN DEED TO SECURE DEBT
STATE OF GEORGIA
COUNTY OF FRANKLIN
Because of default in the payment of the indebtedness secured by a Deed to Secure Debt executed by MARIA RAMIREZ ALVAREZ as Grantor, to FIRST PIEDMONT FINANCIAL SERVICES, INC, Grantee, dated September 28, 2019, recorded in Deed Book 1373, Page 91-93, FRANKLIN COUNTY, GEORGIA RECORDS, the undersigned has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on TUESDAY, JUNE 2, 2026, during the legal hours of sale at the courthouse door in said county, sell at public outcry to the highest and best bidder for cash, the following described property:
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the Bushville G.M., Banks County and the Ashland District, G.M., Franklin County, Georgia, and designated as Lot 4 containing 5.06 acres, more or less, as shown on plat and survey prepared by W.T. Dunahoo & Associates, dated October 27, 1987, and recorded in the Office of the Clerk of Superior Court of Banks County, Georgia in Plat book 13, Page 83, and in Franklin County, Georgia in Plat Book 17, Page 339, to which plat reference is made for descriptive and all other legal purposes. Subject to existing easements and rights of way for road and utilities now in use. Together with one 2002 Dynasty Model #20231, Serial #H801774GL8R Mobile Home. Property Address: 1114 Neal Road, Commerce, Georgia 30530; Map & Parcel # B77E050 Banks County, Georgia; Map & Parcel # 006-006A Franklin County, Georgia.
The sale will be held subject to any outstanding and unpaid taxes and/or easements and/or restrictive covenants appearing of record. Notice has been given of intention to collect attorney's fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of MARIA RAMIREZ ALVAREZ, 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. The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned Deed to Secure Debt.
The entity having full authority to negotiate, amend, and modify all terms of the loan with the debtor is:
First Piedmont Financial Services, Inc.
4603 Highway 129 North
Jefferson, GA 30549
706-677-0042
To the best knowledge and belief of the undersigned, the party in possession of the property is Maria Ramirez Alvarez or a tenant or tenants.
FIRST PIEDMONT FINANCIAL SERVICES, INC.
as Attorney-in-Fact for
Maria Ramirez Alvarez
BY: John Fletcher, President
Jim R. David, Attorney at Law
1272 Historic Homer Highway
Homer, GA 30547
706-677-0042
#909748-5/28

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NOTICE OF SALE UNDER POWER IN SECURITY DEED
STATE OF GEORGIA,
COUNTY OF FRANKLIN
On October 5, 2022, Shayla Cook and Tristan Guthrie executed a Deed to Secure Debt to Shirley Williams Montgomery securing a Note of even date for Forty-Two Thousand Five Hundred Eighty-Five and 84/100 ($42,585.84), said Security Deed being recorded in Deed Book 01546, Page 0260, Franklin County Records. Said Security Deed conveyed the property hereinafter described.
By virtue of the power of sale contained in said Security Deed to Shirley Williams Montgomery there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Franklin County Courthouse door in Franklin County, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in June, 2026, the same being June 2, 2026, the following described property:
All that certain tract or parcel of land lying and being in the 211th District, G.M., Franklin County, Georgia. Being designated as Tract 2 Containing 3.97 acres, more or less, as shown on a plat of survey prepared for Eugene Montgomery, dated 5/7/1999, prepared by G Brian Slate, Registered Surveyor, and being recorded in Plat Book 25 Page 582 in the office of the Clerk of Superior Court of Franklin County Georgia. Said plat is recorded an incorporated by reference and made a part of this deed. Said property is bound on the North by Tract #1, East by Williams Bridge Ext. Road, South by Tracts # 3 4, and 5, West by N/F Toccoa Lumber Co
The debt secured by said Security Deed and Note has been and is hereby declared due and payable because of default for non payment as required by the Note and Security Deed. The debt having been declared due and payable and remaining unpaid, and the terms in the Note and Security Deed remaining in default, this sale will be made for the purpose of paying the principal, accrued interest and attorneys fees pursuant to the Note and Security Deed, plus all expenses of this sale.
Said property will be sold as the property of Shayla Cook and Tristan Guthrie and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale.
To the best knowledge and belief of the undersigned, equitable title to said property is now held by Shayla Cook and Tristan Guthrie.
The person with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor is Clyde Mark Montgomery, Co-Executor of the Estate of Shirley Williams Montgomery, Phone Number (706) 540-0657.
The undersigned will execute a Deed to the purchaser at said sale as provided in the aforementioned Deed to Secure Debt to Shirley Williams Montgomery.
Dated this 30th day of April, 2026.
Clyde Mark Montgomery and Jeannie Elizabeth Smith as Co-Executors of the Estate of Shirley Ann Williams Montgomery, Deceased,
Attorney-in-fact for Shayla Cook and Tristan Guthrie
Sanders, Ranck & Skilling, P.C.
597 Big A Road
P.O. Box 1005
Toccoa, GA 30577
(706) 886-7533 (p)
(706) 886-0617 (f)
Attorneys for Clyde Mark Montgomery and Jeannie Elizabeth Smith
as Co-Executors of the Estate of Shirley Ann Williams Montgomery, Deceased,
#909603-5/28

gpn11
NOTICE OF SALE UNDER POWER
GEORGIA, FRANKLIN COUNTY
By virtue of a Power of Sale contained in that certain Security Deed from SHERRY FORD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR SECURITYNATIONAL MORTGAGE COMPANY, dated July 10, 2025, recorded July 16, 2025, in Deed Book 01689, Page 0080-0103, Franklin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Eighty-Eight Thousand Five Hundred and 00/100 dollars ($188,500.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to SECURITY NATIONAL LIFE INSURANCE COMPANY, there will be sold at public outcry to the highest bidder for cash at the Franklin County Courthouse, within the legal hours of sale on the first Tuesday in June, 2026, all property described in said Security Deed including but not limited to the following described property:
A CERTAIN TRACT OR PARCEL OF LAND IN ROYSTON, FRANKLIN COUNTY, STATE OF GA, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:
ALL THAT TRACT OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON, LYING AND BEING IN THE 370TH G.M. DISTRICT OF FRANKLIN COUNTY, GEORGIA, WITHIN THE CORPORATE LIMITS OF THE CITY OF ROYSTON, DESIGNATED AS LOT 30 OF HARPER FARMS CONTAINING 0.52 OF AN ACRE AND BEING BOUNDED NOW OR FORMERLY AS FOLLOWS: ON THE SOUTH BY RIGHT-OF-WAY OF HARPER FARMS WAY FOR A DISTANCE OF 100.00 FEET; ON THE WEST BY LOT 29 OF SAID SUBDIVISION FOR A DISTANCE OF 258.75 FEET; ON THE NORTH BY LANDS OF DAVISON FOR A DISTANCE OF 85.19 FEET; ON THE EAST BY LOT 31 OF SAID SUBDIVISION FOR A DISTANCE OF 239.09 FEET.SAID LANDS BEING MORE PARTICULARLY DESCRIBED AS LOT 30 OF HARPER FARMS IN A PLAT OF SURVEY FOR AUBREY LUNSFORD DATED NOVEMBER 30, 1999 PREPARED BY BARTLETT & CASH LAND SURVEYORS, INC., REGISTERED LAND SURVEYORS, RECORDED IN PLAT BOOK 26, PAGE 54, FRANKLIN COUNTY PUBLIC RECORDS. SAID PLAT AND THE RECORDATION THEREOF ARE BY REFERENCE INCORPORATED HEREIN AND MADE A PART OF THIS LEGAL DESCRIPTION.
ALSO CONVEYED A NON-EXCLUSIVE PERPETUAL EASEMENT ALONG HARPER FARMS WAY FOR THE PURPOSE OF INGRESS AND EGRESS CONNECTING THE ABOVE DESCRIBED PROPERTY WITH BROOKS STREET.SUBJECT TO RESTRICTIVE COVENANTS AS RECORDED IN PLAT BOOK 464, PAGE 116, FRANKLIN COUNTY PUBLIC RECORDS.
Said legal description being controlling, however the property is more commonly known as 176 HARPER LN, ROYSTON, GA 30662.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed.
Said property will be sold on an as-is basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.
To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is SHERRY FORD, or tenants(s).
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) purchasers tendering to Rubin Lublin, LLC, anti-money laundering information as required pursuant to the FinCEN Real Estate Report Rule. Failure to provide information, could result in rescission of the sale.
The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: SecurityNational Mortgage Company, Loss Mitigation Dept., 433 Ascension Way 6th Floor-Legal Dept, Salt Lake City, UT 84123, Telephone Number: 801.287.8261. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument.
SECURITY NATIONAL LIFE INSURANCE COMPANY
as Attorney in Fact for
SHERRY FORD
THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Attorney Contact: Rubin Lublin, LLC
3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071
Telephone Number: (877) 813-0992 Case No. SNM-26-01020-1
Ad Run Dates 05/07/2026, 05/14/2026, 05/21/2026, 05/28/2026
rlselaw.com/property-listing
#909199-5/28

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Notice to Debtors and Creditors
All creditors of the estate of Arthur M Cole Jr late of Franklin County, deceased, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment.
This 23rd day of April, 2026
Name: Margaret Harvin Cole
Title: Executor
Address: 3136 Granda Pla
East Point Ga 30344
#908999-5/21

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NOTICE TO DEBTORS AND CREDITORS
STATE OF GEORGIA
COUNTY OF FRANKLININ RE: SANDRA SHIRLENE BROCK
All creditors of the Estate of SANDRA SHIRLENE BROCK, deceased, late of Franklin County, Georgia, are hereby notified to render their demands to the undersigned at the address listed below, and all persons indebted to said Estate are required to make immediate payment to the Executor of his Last Will and Testament at the address listed below.
This 21st of April, 2026.
Aletta T. Vickery, as Administrator of the Estate of SANDRA SHIRLENE BROCK
Marc S. Kaufman
Attorney at Law
Marc Kaufman Law, LLC
4846 Lavonia Highway
Hartwell, Georgia 30643
(706) 376-6939
#909001-5/21

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IN THE PROBATE COURT OF FRANKLIN COUNTY
STATE OF GEORGIA
IN RE: ESTATE OF
RICHARD HAROLD PASSMORE,
DECEASED
ESTATE NO.2026-41
NOTICE
The petition of Tracy Passmore, for an order declaring no administration is necessary in the above-referenced estate having been duly filed,
TO: Whom it may Concern and any unknown Creditors
This is to notify you to file an objection, if there is any, to the petition, in this Court on or before May 26, 2026
BE FURTHER NOTIFIED: All objections to the petition must be in writing, setting forth the grounds of any such objections. All objections should be sworn too before a notary public or before a probate court clerk, and filing fees must be tendered with your objections, unless you qualify to file as an indigent party. Contact Probate Court personnel 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 grated without a hearing.
Ken Eavenson
Judge of the Probate Court
7085 Hwy 145
Carnesville, Georgia 30521
706-384-2403
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NOTICE OF SALE UNDER POWER
GEORGIA, FRANKLIN COUNTY
By virtue of a Power of Sale contained in that certain Security Deed from JASON BUTLER and AMBER BUTLER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR FLAT BRANCH MORTGAGE INC., dated August 28, 2023, recorded September 21, 2023, in Deed Book 01593, Page 00261, and re-recorded March 31, 2026, in Deed Book 01728, Page 0254, Franklin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Eighty-Four Thousand Seven Hundred Forty-Seven and 00/100 dollars ($284,747.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to PennyMac Loan Services, LLC, there will be sold at public outcry to the highest bidder for cash at the Franklin County Courthouse, within the legal hours of sale on the first Tuesday in June, 2026, all property described in said Security Deed including but not limited to the following described property:
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 1420th District, G.M., Franklin County, Georgia, containing 2.83 acres, more or less, and being more particularly described on the plat dated September 4, 2014 entitled, "Division Survey For: Jaime Barrera and Jancice Barrera", prepared by Russell Bartlett, Registered Land Surveyor, recorded in Plat Book 29, Page 854 in the Office of the Clerk of the Franklin County Superior Court, which plat and record are by reference incorporated herein.
Being a part of the same property as conveyed in that certain Warranty Deed recorded at Deed Book 1084, Page 111, Franklin County, Georgia records.
Said legal description being controlling, however the property is more commonly known as 2340 ATHENS ROAD, ROYSTON, GA 30662.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed.
Said property will be sold on an as-is basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.
To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is JASON BUTLER, AMBER BUTLER, or tenants(s).
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) purchasers tendering to Rubin Lublin, LLC, anti-money laundering information as required pursuant to the FinCEN Real Estate Report Rule. Failure to provide information, could result in rescission of the sale.
The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: PennyMac Loan Services, LLC, Loss Mitigation Dept., 3043 Townsgate Road Suite 200, Westlake Village, CA 91361, Telephone Number: 1-866-549-3583. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument.
PENNYMAC LOAN SERVICES, LLC
as Attorney in Fact for
JASON BUTLER, AMBER BUTLER
THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Attorney Contact: Rubin Lublin, LLC
3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071
Telephone Number: (877) 813-0992 Case No. PNY-26-00979-1
Ad Run Dates 04/16/2026, 05/07/2026, 05/14/2026, 05/21/2026, 05/28/2026
rlselaw.com/property-listing
#907497-5/28