STATE OF GEORGIA COUNTY OF EFFINGHAM NOTICE OF SALE UNDER POWER Pursuant to the power of sale contained in the Security Deed executed by JERRY DOUGLAS III AND SHELBY DOUGLAS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR AMERIS BANK in the original principal amount of $220,924.00 dated December 20, 2021, and recorded in Deed Book 2752, Page 206, Effingham County records, said Security Deed being last transferred to PLANET HOME LENDING, LLC in Deed Book 2962, Page 912, Effingham County records, the undersigned will sell at public outcry to the highest bidder for cash, before the Courthouse door in said County, or at such other place as lawfully designated, within the legal hours of sale, on 11/4/2025, the property in said Security Deed and described as follows: ALL THAT CERTAIN LOT TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN EFFINGHAM COUNTY, GEORGIA, KNOWN AS LOT 20, MONTEREY PARK SUBDIVISION, SHOWN ON THE MAP OR PLAT OF SAID SUBDIVISION RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN PLAT BOOK 4, PAGE 144, WHICH IS INCORPORATED HEREIN BY SPECIFIC REFERENCE. SAID PROPERTY CONTAINING IMPROVEMENTS THEREON KNOWN AS 162 CARLTON AVENUE, BLOOMINGDALE, GEORGIA. Said property being known as: 162 CARLTON AVE, BLOOMINGDALE, GA 31302 To the best of the undersigned's knowledge, the party or parties in possession of said property is/are JERRY DOUGLAS III AND SHELBY DOUGLAS or tenant(s). The debt secured by said Security Deed has been and is hereby declared due and payable because of, among other possible events of default, failure to pay the indebtedness as provided for in the Note and said Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to the following: (1) any outstanding ad valorem taxes (including taxes which are a lien, whether or not yet due and payable); (2) the right of redemption of any taxing authority; (3) any matters which might be disclosed by an accurate survey and inspection of the property; and (4) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Said sale will be conducted subject to the following: (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. The name, address, and telephone number of the individual or entity who has full authority to negotiate, amend, and modify all terms of the mortgage is as follows: Planet Home Lending, LLC 321 Research Parkway, Suite 303 Meriden, CT 06450 1-855-884-2250 Note that pursuant to O.C.G.A. SS 44-14-162.2, the above individual or entity is not required by law to negotiate, amend, or modify the terms of the mortgage. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. Planet Home Lending, LLC, as Attorney-in-Fact for JERRY DOUGLAS III AND SHELBY DOUGLAS Robertson, Anschutz, Schneid, Crane & Partners, PLLC 13010 Morris Rd., Suite 450 Alpharetta, GA 30004 Phone: 470-321-7112 Firm File No. 25-329904 - AnB 22490 10/29/25 RL