4160 Rue St Germain

420-189784 10/8,10/15,10/22,10/29NOTICE OF SALE UNDER POWERGEORGIA, DEKALB COUNTYUnder and by virtue of the Power of Sale contained in that certain Security Deed given by WILLIE E. CUMMINGS to Mortgage Electronic Registration Systems, Inc., as Grantor, as nominee for Milend, Inc., its successors and assigns, dated 3/31/2023, and recorded on 4/5/2023, in Instrument No.: 2023041901, Deed Book 30843, Page 198, DeKalb County, Georgia records, The subject Security Deed was modified by Loan Modification recorded as Instrument No. 2025093237 and Book 32166 Page 368 and recorded on 09/02/2025 as last assigned to Freedom Mortgage Corporation by assignment recorded on 6/23/2025 in Instrument No.: 2025071845 Deed Book 32051, Page 250, conveying the after-described property to secure a Note in the original principal amount of $286,000.00, with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of DeKalb County, Georgia, within the legal hours of sale on 11/3/2026, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 14 OF THE 18TH DISTRICT OF DEKALB COUNTY, GEORGIA, BEING LOT 7, BLOCK F, SECTION ONE, UNIT 11 OF LES CHATEAU SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 42, PAGE 82, DEKALB COUNTY RECORDS, WHICH PLAT IS HEREBY REFERRED TO AND MADE A PART OF THIS DESCRIPTION, AND BEING MORE PARTICULARLY SHOWN ON SURVEY PREPARED BY LEWIS L. ZICKEL ASSOCIATES DATED MARCH 21, 1966, AND BEING IMPROVED PROPERTY KNOWN AS 4160 RUE SAINT GERMAIN, STONE MOUNTAIN. GEORGIA 30083.Said property is commonly known as 4160 RUE SAINT GERMAIN STONE MOUNTAIN, GA 30083.The indebtedness 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 the sale, as provided in the Security Deed and by law, including attorneys' fees (notice of intent to collect attorneys' 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: Freedom Mortgage Corporation, Attention: Loss Mitigation Department, 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037-7939, Telephone No.: (855) 690-5900. 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 security instrument.Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now 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 any other matters of record superior to the Security Deed first set out above.NOTICE TO BIDDERS: Please be advised that the highest bidder (“purchaser”) at this trustee's sale may be required to provide information, documentation and/or certification as mandated by applicable federal law, and entity and trust purchaser should be prepared to provide beneficial ownership information as required by federal reporting requirements effective for transfers of residential real property to covered transferees on or after March 1, 2026. If applicable, the required information must be provided to the trustee before a trustee's deed will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers and https://www.fincen.gov/rre-faqs#D_5.To the best knowledge and belief of the undersigned, the party(ies) in possession of the property is (are) WILLIE E. CUMMINGS or tenant(s) or other occupants.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 sale is conducted on behalf of the secured creditor under the power of sale granted in the aforementioned security instrument, specifically being Freedom Mortgage Corporation as Attorney in Fact for WILLIE E. CUMMINGS.Nestor Solutions, LLC 214 5th Street, Suite 205, Huntington Beach, California 92648, (888) 403-4115, TS # ++2026-27377-GA Willie E. Cummings++.For sale information, visit: https://www.nestortrustee.com/sales-information.com or call (888) 902-3989.