Notice of Sale Under Power Georgia, Effingham County Under and by virtue of the Power of Sale contained in a Deed of Secure Debt given by Sysamouth Chanphoungeun, Takiengthong Chanphoungeun, and Somyong Chanphoungeun to Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for RealFi Home Funding Corp., its successors and assigns, dated December 1, 2022, and recorded in Deed Book Book 2822 at Page 435, Effingham County, Georgia records, and last assigned to Planet Home Lending, LLC conveying the after-described property to secure a Note of even date in the original principal amount of $265,109.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Effingham County, Georgia, within the legal hours of sale on the first Tuesday, to wit: Tuesday, May 7, 2024the following described property: All that certain lot, tract or parcel of land situate, lying and being in the 9th G.M. district, Effingham County, Georgia, known and designated as Lot 107, Goshen Villas Subdivision, Phase V, that is shown and more particularly described by the plat of survey made by warren E Poythress, dated November 10, 1992, recorded in the Office of the Clerk Of The Superior of Effingham County, Georgia in Plat Cabinet A, Slide 206-C, which is incorporated into the description by specific reference thereto. Said Property is more commonly known as 198 Jennifer Circle, Rincon, Georgia 31326 and having a PIN No. of 0466A-107. Subject, however, to all valid easements, rights-of-way and restrictions of record. 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. 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 Deed to Secure Debt and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property is commonly known as 198 Jennifer Circle, Rincon, GA 31326, together with all fixtures and personal property attached to and constituting a part of said property. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Sysamouth Chanphoungeun, Takiengthong Chanphoungeun, and Somyong Chanphoungeun or tenant or 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; (s) O.C.G.A. Section 9-13-172.1; and (3) 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 recession of judicial and non-judicial 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. Pursuant to O.C.G.A. Section 44-14-162.2, the entity that has full authority to negotiate, amend and modify all terms of the mortgage with the debtor is: Planet Home Lending, LLC Attention: Loss Mitigation Department 321 Research Parkway, Suite 303 Meriden, CT 06450 203-303-4638 The foregoing notwithstanding, nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require the secured creditor to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. This sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being Planet Home Lending, LLC as attorney in fact for Sysamouth Chanphoungeun, Takiengthong Chanphoungeun, and Somyong Chanphoungeun THIS LAW FIRM IS ACTING AS DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Riley, Pope & Laney, LLC 5755 North Point Parkway, Unit 15 Alpharetta, GA 30022 9082.00524 20057 5/1/24 RL