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i"tui,ffii,;:;**

PRESORT
FirsLClass Mail

llllllllllllllllllillllllllllilllllllllllllllllllllllllllll
eln551u5uI
Send Correspondence lo;
McCalla Raymer, LLC
1544 Old Alabama Road
Roswell, GA 30076

'

I|

||1I I|| I|| | I 'l1,ll1'l,'Il,

Brenda Bryant
6330 Mozart Drive
Riverdale, GA 30296

l"i'l,' Ilt ||I'ltII'I 't,I I It 'I l', ||

U.S. Postage and

Fees Paid

WSO

EXHIBIT "A"

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lot 133 of the 13th District of
Fulton County, Ceorgia and being Lot l1 , Block C, Flat Shoals Estates Subdivision, as per plat in Plat
Book 105. Page 55, Fulton County, Ge*rgia records, to which reference is hereby made for the
purpose of incorporating of incorporation the same herein.

MR/dw0 3/ll16
Our file no. 5524815 - FTIT

THIS IS AN ATTEMPT TO COLLECT A DEBT. A}{Y INFORMATION

OBTAINED WILL BE USED FOR THAT PURPOSE.

2305590500

BORROWER COPY
LAW OFFIf]ES

MCCALLA RAYMER, LLC

I5.14 OLD AL,.IBAMA ROAD
RoSwFLL. cron<fe l0oz1

TELEPHON E ('/7 0) 643 -21 48

TELEFAX: ('t 7 0) 643-4062

r;,i"#i'rl';dte
Brencta Bryant

6330 Mozart Drive

Riverdale, GA 30196

RE:

NOTICE OF FORECLOSURE SALE - SecLrrity Deed - Georgia Housing and Finance Authority
rrs. Brenda Brvant

Sen'icing Lender's #:
Our File #:
Original Borrower:
Current Borrower:

17148

55248i5-FT17
Brentla Bryant
Brenda Bryant

.Properly:

633[IMozart Drive
Rir.erdale, Georgia 30296
Fulton County. Gecrgia

ta5-582A332-103

Case #:

Dear Borrow'er:

By letter dated January 6,2016 (the "Initial Communication Letter") we notified you that the
above-referenced loan had been refered to this lau, fimr for handling. That letter also advised you of
certain rights (the "Bon'owers Rights"- which include your right to validate the debt) you could exercise
within 30 days of your receipt of the Initial Communication Letter. Nothing in this letter wiil prevent you
from exercising the Bon'ower's Rights as explained in the Initial Communication Letter,

ifyou

ifyou have received a discharge in

liability on this loan rvas extinguished, then any action we take
would be limited to the foreclosure of the above referenced property. If you are currently under
Please be advised that

are not obligated on this loan, or

a bankruptcy case where your personal

bankruptcy protection, please fax your bantriruptcy case information to us at (888) 311-4980.
The entire amorrnt of the outstanding balance of principal and interest owed on the loan and any
other authorized charges are now due and payable. Additionally, the temrs of your note call for the

addition of attomeys'fees to tlre debt incase of collection by or tlrrough anattomey. Georgia law

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION

OBTAINED WILL BE USED FOR THAT PURPOSE.

(O"C.G.A. Section 13- I - I 1 ) requires that you he allorved ten ( I 0) days tiom ,vour receipl of this letter to
pay the etttire atuount ou,'ed u,ithout having to pay ettLirneys' fees. Atler that time the flrll attoureys' fees
allou,ed bv Georgia larv n:ay be added to the r1ebt.
Irnclosed is a cop,v of the Natice of Sals submitted fbr publication in the [ega[ uervspaper. Note
that the sale is scheduled for the first Tuesdav in March. 2016, ald r,vill be hekl u.,ithin the legat houl's of
sale at the Fitlton County Conrthouse .
Please be advised that if tire delault is not crired and the property is solcl at foreclosure to an
outside investor (other thari your lerder). thcre may tre excess proceeds lrom the sale for distritrution to
lienhoiders andlor tlie orvner of recolrl. Ne ither lienholders nor o$rners have to sign anv contracts or pa_v
any lbes to oLttside agencies to recover these timds! 11'an outsrcle inl,estor"colltacts.vou atter fbreclosure
advising they have purchased your property at sale. please call our Excess Proceeds department betrveen
45 - 60 davs after the fbreclosure sale to determine if'any sr-lch funds exist.

For further intbruatiou regarding this foreclosure. yr')u may crll our oflice at {770) 643-2I48. and
FTlT. 'Ihe lender ma-v be able to allor.v 1,ou to reinstate the loan aud stop the fbreclosnre.
Yott ma-v call our oftlce to llnd out if reinstaterlent is allor.r,ed; and if allou,ed, to flnd out the luorult ot-'
money ivhich you mllst pay in order to cure the default. If you reinstate ycr-r loan. pa_vment must be
made tlu'ough our olflce in the tbrm of certitted funcls or casltier's chc-ck.
ask tbr Team

Wlren telephcrtting tlris o1fice piease ictentily yoursell'as thebon:orver, andrefer to our llle
nurrher.
Georqia Housing and Finance Ar-rthority holds the Securit_v lleed to yolrr propefiy atd State
Home X,{ortgage services your loan. The entit-v that has full authoritv to negotiate, aurend, and modi{y all
terms of the mortgage rvith the debtor. as servicer ts:
State Home \,Iortgage
60 Executii,e Park Sorith

Atlanta,

GA

30--r33

444-679-49081-3

33

is being sent to you in order to comply with Georgia statutory

requireurents. Nothing in this letter should be considered as preventing you liom
exercising the Borou,er's Rights as explained in the Initial Comnuuications Letter dated January 6.
Please note that this letter

foreclosure

Ia'rv

2016.
Sincerelv,

klcCalla Raymer, LLC

/dw0

311116

Hnclosure

Original via cetified mail - retLrm receipt requested

T'HIS IS AI{ ATTEVIPT TO COLLECT A DEBT. AtiY I]\FORLATION

OBTAINED WILL BE USED FOR THAT PURPOSE.

Copy also sent by first class mail

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION

OBTAINED WILL BE USED FOR THAT PURPOSE.

SE{{V ICE N{E}.,ItsER S'

CIVIL

Ii.E L{E F

ACT

OTIC E

Active duty meurbers of the Unitecl States Ann-y, Naly, Air Force, l\'larine Corps. Coast Guard,
and all oflicers of the Public Ilealth Sen,ice or the National Oceanic and.Atmospireric Administration
detailed by proper author itv {'or active dntv, as r.l ell as their dependents. have certajn rights and privileges
r-rniler the Senvicernenrhers C'ivil Relief Act. 50 App. U.S.C..A. $$ 501 et seq.

If you r:rur the l')ropl:r1y heing foreclosed, and you are, or have heen within the last trvelve
nronths. an active dLrty "person in the rnilitary serl,ice," or a protected persoll dellned in 50 App. Ll.S.C.A.
$sq 5l t through 5i6, the lcrnder n:a1,'ile required to provide -vou additional procedLrral protectir:ns belbre rt
cal take possession cif the proper:t.v being fbreclosed. This notice is to ensure that you are fully advised of
,vor.rr riglrts.
In particular, the provisious coutained in 50 App. U.S.C.A. $ ,533 are designeri for the benefrt o1'
persons in the military service 'uvhose abiliq,' to cornply- with the terms of their mortgage obligation is
n:aterially affected by reason of their nlilitary setlice.

If you are, or have beeu rvithin the last tr.velrre months,

a "pelson in tire rnilitarn'service," or

if

yor"r

believethat yot"tare a protected person or entitled torelief under the Serviceuiembers Civil Relief Act,
please contact this o1'fice immediately by rnail or b1, phone as lollows:

Toll Free Military Assistanc.e #: I -800-342-9641

MCCALLA RAYMER. LLC
1544 Old Alabama Road
Rosrvell. Georgia 30076

Teleplroire:

Attention:

(770)613-2148
FT17

s52481 siFTl 7
3t 1i 16

THIS IS AN ATTEMPT TO COLLECT A DEBT. An.Y INFORFIATION

OBTAINED WILL BE USED FOR THAT PT]RPOSE.

BORROWER COPY
NOTICE OF SAI-E UNDER POWER
NOTTCE OF SALE UNDER POWER

GEORGIA, FULTON COUNTY

THIS IS AN ATTE&IPT TO COLLECT A DEBT. ANY INFOR}IATION OBTAINED 1VILL BE
USED FOR THAT PURPOSE.
Under and by virtue of the Polver of Sale contained iri a Security Deed given by Brenda Bryant to
Mofigage Electronic Registration Systems, Inc., as nominee for Real Estate i\4ortgage Network, Inc., its
successors and assigns, dated June 30, 2010, recorded in Deed Book 49173, Page 269, Fulton County, Georgia
Recofds, as last transferred to Georgia Housing and Finance Authority by assignrnent recolded in Deed Book
49113,Page 279, Fulton County, Georgia Records, conveying the atier-described property to secure a Note in
the originai principal amonnt of FORTY-EIGHT TIIOUSAND SIX HLTIIDRED SEVENTY-ONE AND 0/100
DOLLAR.S ($48,671.00), with interest thereon as set forth therein, there will be solcl at public outcryJo the
highest bidder tbr cash before the courthouse door of Fulton County, Georgia, or at such place as mav be
lawfully designated as an altemafive, r.vithin the legal hours of sale on the first Tuesday in March,2016, the
following described properry:
SEE EXHIBIT

"A'' ATTACHED FIERETO A}.ID MADE A PART HEREOF

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 rvhen dtre and in the manner provided in the
Note and Security Deecl. The debt remaining in del-ault. this sale will be macle lbr the purpose of payin-e the
same and all expenses of this sale, as provided in Security Deed and by law. including attomey's fees (notice
of intent to collect attomey's fees having been given).
Said property will be sold subject to any'outstanding ad valorem taxes (including taxes which are a
lien, bnt not yet due and payable), any matters which might be disclosed by an accurate sun,ey and inspection
ofthe properfy, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters
of record superior to tire Security Deed first set out above.

Georgia Housing and Finance Authority is the holder of the Security Deed to the property in
accordance with OCGA

44-14-162.2.

The entity that has full arithority to negotiate, amend, and modify all terms of the morlgage with the
debtor is: State Home Mortgage,60 Executive Park South, Atlanta, GA 30333 404-619-4908/-3133.
To the best knowledge and belief of the rurdersigneil, the party in possession of the prope rty is Brenda
Bryant or a tenant or tenants and said property is more commonly known as 6330 MozartDrive, Riverdale,
Georgia 30296.
The saie will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S.
Bankmptcy Code and (2) to final confirmation an<l audit of the status of the loan with the holder of the secruity
deed.

Georgia Housing and Finance Authority

as Attorney in Fact for

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION

OBTAINED WILL BE USED FOR THAT PURPOSE.

Brencla Bryant
McCalla Raymer, LLC
154.1 CIld Aiabama Road
Roswell, Georgia 30076
wwlv.foreclosurelrotl ine.net

THIS IS AN ATTEIVIPT TO COLLECT A DEBT. ANY INFORMATION

OBTAINED WILL BE USED FOR THAT PURPOSE.