1651 Woodbow Xing

NOTICE OF SALE UNDER POWER STATE OF GEORGIA GWINNETT COUNTY WHEREAS, James J Ripa Jr and Joycelyn Ripa, Husband and Wife, as borrower(s), executed a SECURITY DEED to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Carrington Mortgage Services, LLC, Lender which was dated 10/25/2021, and recorded on 10/26/2021, in Instrument No.: , Deed Book 59336, Page 00039, securing the payment of a Note in the amount of $528,000.00 in Gwinnett County, Georgia Register of Deeds. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Security Deed by the Holder, and by virtue of the power of sale and authority vested in it, will on 10/7/2025 sell at public outcry to the highest bidder for cash Before the Courthouse door of the Gwinnett County Courthouse, 75 Langley Dr, Lawrenceville, Georgia 30046 of Gwinnett, the following described property situated in Gwinnett County, Georgia, to wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 2 OF THE 3RD DISTRICT (DUNCAN'S 1749 GMD) OF GWINNETT COUNTY, GEORGIA, BEING LOT 92, BLOCK "TT", TREYBYME (AKA PHASE 10A) AT HAMILTON MILL-A HOME TOWN SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 92, PAGE 100, GWINNETT COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A PART OF THIS DESCRIPTION. Tax Parcel ID: R3002 689 Being real property commonly known as 1651 WOODBOW CROSSING DACULA, GA 30019 The debt remaining in default, this sale will be made for the purpose of paying the debt and all expenses of this sale including attorneys fees (notice of intent to collect attorneys fees having been given). Said sale will be made subject to the following items which may affect the title to said property: All restrictive covenants, easements and rights-of-way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding or unpaid bills and assessments for street improvements, curbing, garbage, water, sewage and public utilities which may be liens upon said property; and any outstanding taxes, assessments and other liens superior to the security deed being foreclosed hereby. To the best knowledge and belief of the undersigned, the above-described property is in the possession of the borrower and/or other persons with the consent and acquiescence of the borrower. Except to the extent that the Holder may bind and obligate Mortgagors to warrant title to the Property under the terms of the Security Deed, conveyance of the Property shall be made without any representations or warranties whatsoever, express or implied. All sales are as is, where is. The entire purchase price is due and payable at the conclusion of the auction in the form of certified funds. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser. This property is being sold with express reservation that the sale is subject to confirmation by lender or Substitute Trustee. Pursuant to O.C.G.A. ? 44-14-162.2, the name, address and telephone number of the person or entity who shall have full authority to negotiate, amend, or modify all terms of the above-described mortgage is as follows: Carrington Mortgage Services, LLC, 1600 South Douglass Road, Suite 200-A Anaheim, CA 92806, Telephone No.: 800-561-4567 The foregoing notwithstanding, nothing in O.C.G.A. ? 44-14-162.2 shall be construed to require Wilmington Savings Fund Society, FSB, not individually but solely as owner trustee for Spruce Hill Mortgage Loan Trust 2022-SH1 to negotiate, amend, or modify the terms of the Security Deed described herein. Carrington Mortgage Services, LLC as Attorney in Fact for James J Ripa Jr and Joycelyn Ripa Attorney Contact: Miller, George & Suggs, PLLC 3000 Langford Road, Building 100 Peachtree Corners, GA 30071 Phone: 404-793-1447 Fax: 404-738-1558 TS # 25-36193 THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 8/27,9/3,10,17,24,10/1, 2025