2176 Cold Springs Cir

420-189517 10/8,10/15,10/22,10/29NOTICE OF SALE UNDER POWERGEORGIA, DEKALB COUNTYUnder and by virtue of the Power of Sale contained in a Security Deed given by Emely Peralta Montoya to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Cardinal Financial Company, Limited Partnership, its successors and assigns dated February 7, 2023, recorded in Deed Book 30763, Page 576, DeKalb County, Georgia Records, as last transferred to Freedom Mortgage Corporation by assignment recorded in Deed Book 32184, Page 245, DeKalb County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FIFTY-FIVE THOUSAND TWO HUNDRED NINETY AND 00/100 DOLLARS ($255,290.00), 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 DeKalb County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in November, 2026, the following described property:SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due and payable because of default having been made of the terms of the Note and Security Deed. The terms remaining in default, this sale will be made for the purpose of paying the total debt, including all expenses of this sale, as provided in the Security Deed and by law which includes, but is not limited to, attorney's fees (notice pursuant to O.C.G.A. § 13-1-11 having been given).Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and any matters of record including, but not limited to, those superior to the Security Deed first set out above. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. Prospective bidders must perform their own due diligence.Freedom Mortgage Corporation is the holder of the Security Deed to the property in accordance with OCGA § 44-14-162.2.The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg 4, Fishers, IN 46037, 855-690-5900.Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan.Upon information and belief, said property is more commonly known as 2176 Cold Springs Circle, Lithonia, GA 30058. Should a conflict arise between the property address and the legal description, the legal description shall control.ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (the “Rule”), found at 89 FR 70258, went into effect. The Rule applies to certain residential real estate sale transactions (including some that go beyond the typical one-to-four family residence) where the transfer is to a legal entity or trust, and which includes cash purchases, private financing or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicion Activity Report requirement. If applicable, as part of this Rule, buyers and sellers are required to provide additional information and documentation about themselves, their legal entities, and/or the source of funds used in the reportable transaction. The collection of this information and documentation is required to comply with the Rule's federal reporting requirements, if applicable.* This notice is provided for informational purposes only and does not constitute legal advice. You are encouraged to consult with your own independent legal counsel if you have questions about how the FinCEN Anti-Money Laundering Rule affects your transaction and whether your transaction is reportable.*The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any.The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) to confirmation that the successful bidder has timely provided all information required for reporting under the Rule, 89 FR 70258, if applicable.Freedom Mortgage Corporation as Attorney in Fact for Emely Peralta MontoyaMcCalla Raymer Leibert Pierce, LLP 1544 Old Alabama RdRoswell, GA 30076 www.foreclosurehotline.netEXHIBIT "A"All that tract or parcel of land lying and being in Land Lot 71 of the 16th District, DeKalb County, Georgia, being Lot 70, Block A, Oaks of Wellborn Subdivision, Unit IV, as per plat recorded in Plat Book 109, Pages 10-11, DeKalb County, Georgia records, which recorded plat is incorporated herein by this reference and made a part of this description.Parcel I. D. #: 16-071-01-142Property Address: 2176 Cold Springs Circle, Lithonia, GA 30058Parcel ID: 16.071.01.142Commonly Known As: 2176 Cold Springs Circle, Lithonia, Georgia 30058KR November 3, 2026Our file no. 26-21368GA++26-21368GA Emely Peralta Montoya++