3221 Mill Springs Cir

NOTICE OF FORECLOSURE SALE UNDER POWER GWINNETT COUNTY, GEORGIA Under and by virtue of the Power of Sale contained in a Security Deed given by PATRICK W. KELLY to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Acopia, LLC, dated December 2, 2021, and recorded in Deed Book 59471, Page 852, Gwinnett County, Georgia Records, as last transferred to ACOPIA, LLC by assignment recorded on January 6, 2025 in Book 61619 Page 00200 in the Office of the Clerk of Superior Court of Gwinnett County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Ninety-Six Thousand and 0/100 dollars ($96,000.00), 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 Gwinnett County, Georgia, within the legal hours of sale on September 2, 2025, the following described property: All that tract or parcel of land lying and being in Land Lot 177, 7th District, Gwinnett County, Georgia, being Unit 1503, Building 15, The Cove at Mill Creek, as recorded in Plat Book 94, Page 271, Gwinnett County, Georgia Records; which plat and legal description thereon are incorporated herein by reference thereto. This conveyance is made subject to all zoning ordinances, easements and restrictions of record affecting said bargained premises. 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 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: ACOPIA, LLC they can be contacted at (866) 397-5370 for Loss Mitigation Dept, or by writing to 1 Corporate Drive, Suite 360, Lake Zurich, Illinois 60047, 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 Patrick W. Kelly or tenant(s); and said property is more commonly known as 3221 Mill Springs Cir, Buford, GA 30519. 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. ACOPIA, LLC as Attorney in Fact for PATRICK W. KELLY. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 24-35832 8/6,13,20,27,2025