NOTICE OF SALE UNDER POWER GEORGIA, EMANUEL COUNTY

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Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by KEITH RADFORD AND JOANNE RADFORD to DURDEN BANKING COMPANY, INC. P.O. Box 1560, Swainsboro, GA 30401, dated October 26, 2001 and recorded in Deed Book 169, pages 333-336, Emanuel County, Georgia Records, conveying the after-described property, there

will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Emanuel County, Georgia, within the legal hours of sale on the first Tuesday in October, 2020, to wit: October 6, 2020, the following described property:

All that tract or parcel of land lying, situate and being in the town of Summertown, 57th G.M. District of Emanuel County, Georgia, designated as Lot Number 4 on a plat of Pecan Subdivision made by Frank J. Ford, Surveyor, dated July 5, 1962 and recorded in the Office of Clerk, Emanuel Superior Court in Plat Book 2, page 105. Said lot fronting One Hundred Thirty-Three (133) feet on the South side of Church Street and extends back  a distance of One Hundred Forty-Five and Six Tenths (145.6) feet on the West and One Hundred Forty Five and Three Tenths (145.3) on the East; and is One Hundred Thirty Three (133) feet wife in the rear and is bounded as follows: North by Church Street; East by Lot No. 5 of said subdivision; South by Lot No. 9 and said subdivision; and West by Lot No. 3 of said subdivision.

The above described tract of land is the same as that conveyed by a Joint Survivorship Warranty Deed from Ricky D. Anderson and Melanie F. Anderson to Joanne Radford and Keith Radford dated October 26, 2001 and recorded in the Office of the Clerk, Emanuel Superior Court in Deed Book 169, pages 331-332.

Said Deed to Secure Debt was executed to secure a Note of even date in the original principal amount of $27,020.34, with interest at the rate specified therein together with all other indebtedness of the borrower to the lender then due or that might thereafter become due, or thereafter become contracted, which was or would be evidenced by a note or notes.

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 has been given, as provided by law.

Said property is commonly known as 25 Summertown Church Street, Midville, GA 30441, 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 in possession of the subject property is: KEITH RADFORD OR JOANNE RADFORD 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, and covenants, etc.

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) 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 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.

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: H. Wade Johnson, Durden Banking Company, Inc., P.O. Box 1560, Swainsboro, GA 30401, telephone (478) 237-2121.

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 Durden Banking Company, Inc., as Attorney in Fact for Keith Radford and Joanne Radford, P.O. Box 1560, Swainsboro, GA 30401.

Jerry N. Cadle, P.C.

Attorney

P.O. Box 68

Swainsboro, GA 30401

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTMEPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.