NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY By virtue of a Power of Sale contained in that certain Security Deed from DEBORAH SMITH to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR E MORTGAGE CAPITAL INC., dated September 16, 2024, recorded September 17, 2024, in Deed Book 2931, Page 784, Effingham 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-Six Thousand One Hundred Seventy-One and 00/100 dollars ($286,171.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Lakeview Loan Servicing, LLC, there will be sold at public outcry to the highest bidder for cash at the Effingham County Courthouse, within the legal hours of sale on the first Tuesday in March, 2026, all property described in said Security Deed including but not limited to the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN GUYTON, EFFINGHAM COUNTY, GEORGIA, SHOWN AS LOT 8, CROSSGATE SUBDIVISION, ON THE MAP OR PLAT OF SAID SUBDIVISION, DATED OCTOBER 23, 2008, PREPARED BY EMC ENGINEERING SERVICES, INC., RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN PLAT CABINET D21, SLIDES B1-D1. SAID PROPERTY WAS CONVEYED TO CHARLES TRAYES, JR. AND STEPHANIE TRAYES BY LIMITED WARRANTY DEED JUNE 14, 2018, RECORDED IN DEED BOOK 2475, PAGE 149, IN THE AFORESAID CLERK`S OFFICE. SAID PLAT AND DEED ARE INCORPORATED HEREIN BY SPECIFIC REFERENCE. CONTAINING IMPROVEMENTS THEREON KNOWN AS 27 FARRINGTON CIRCLE, GUYTON, GEORGIA. Said legal description being controlling, however the property is more commonly known as 27 FARRINGTON CIR, GUYTON, GA 31312. 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 DEBORAH SMITH, or tenants(s). 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. The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: LoanCare, LLC, Loss Mitigation Dept., 3637 Sentara Way, Virginia Beach, VA 23452, Telephone Number: 800-909-9525. 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. LAKEVIEW LOAN SERVICING, LLC as Attorney in Fact for DEBORAH SMITH 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. LNC-25-05603-1 Ad Run Dates 12/31/2025, 02/04/2026, 02/11/2026, 02/18/2026, 02/25/2026 rlselaw.com/property-listing 22958 2.25.26 RL