Description:
NOTICE OF FORECLOSURE SALE UNDER POWER EFFINGHAM COUNTY, GEORGIA Under and by virtue of the Power of Sale contained in a Security Deed given by Carl E Thornton Jr. to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Taylor, Bean, & Whitaker Mortgage Corp., dated March 21, 2002, and recorded in Deed Book 812, Page 429, Effingham County, Georgia Records, subsequently modified by a Loan Modification Agreement recorded March 20, 2019 in Book 2515, Page 308 in the amount of Seventy-Four Thousand Five Hundred Seventy-Seven and 11/100 ($74,577.11) Effingham County, Georgia Records, subsequently modified by a Loan Modification Agreement recorded May 6, 2022 in Book 2782, Page 441 in the amount of Seventy-Six Thousand Eight Hundred Sixty-Two and 02/100 ($76,862.02) Effingham County, Georgia Records, subsequently modified by a Loan Modification Agreement recorded February 18, 2025 in Book 2956, Page 960 in the amount of Eighty-Two Thousand Five Hundred Nine and 45/100 ($82,509.45) Effingham County, Georgia Records, subsequently modified by a Loan Modification Agreement recorded May 16, 2013 in Book 2193, Page 0308 in the amount of Eighty-Nine Thousand Six Hundred Forty-Four and 64/100 ($89,644.64) Effingham County, Georgia Records, as last transferred to The Secretary of Veterans Affairs, an officer of the United States by assignment recorded on July 10, 2026 in Book 3056 Page 438 in the Office of the Clerk of Superior Court of Effingham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Ninety-Eight Thousand Nine Hundred and 0/100 dollars ($98,900.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Effingham County, Georgia, within the legal hours of sale on November 3, 2026, the following described property: All that certain lot, tract of parcel of land situate, lying and being in the 10th G.M. District, Effingham County, Georgia, containing .62 if an acre, more or less, known and designated as Lot No. 32, Del-A-Rae Subdivision, that is shown and more particularly described by the plat of survey made by Warren E. Poythress, R.L.S. #1953, dated May 14, 1997, recorded in Office of the Clerk of the Superior Court of Effingham County, Georgia, in Plat Cabinet A, Slide 386-H, which is incorporated into this description by specific reference thereto. This being a portion of that property conveyed by Stephen R. Collins and Roscoe Collins to Affordable Home Builders, Inc. as evidenced by that certain Warranty Deed dated April 13, 2000, recorded in Deed Book 631, page 112, aforesaid records. SUBJECT HOWEVER to all restrictive covenants, easements and rights-of-way of record. The debt secured by said Security Deed 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 Security Deed. 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 Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Onity Mortgage Corporation F/K/A PHH Mortgage Corporation they can be contacted at 1-800-750-2518 for Loss Mitigation Dept, or by writing to 1661 Worthington Rd., Ste. 100, West Palm Beach, Florida 33409, to discuss possible alternatives to avoid foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), 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. To the best knowledge and belief of the undersigned, the party in possession of the property is CARL E. THORNTON, JR. or tenant(s); and said property is more commonly known as 61 Del A Rae Cir, Guyton, GA 31312. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. The Secretary of Veterans Affairs, an officer of the United States as Attorney in Fact for Carl E Thornton Jr. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 26-01160 24179 10.28.26 RL
