630 E 40th St

NOTICE OF SALE UNDER POWER NOTICE OF SALE UNDER POWER GEORGIA, CHATHAM COUNTY Pursuant to the Power of Sale contained in the Security Deed ("Security Deed") from Sylvia M. Johnson ("Debtor") to Delta Community Credit Union ("Grantee"), dated January 27, 2017, recorded February 13, 2017 in Deed Book 1007, Page 270, Chatham County, Georgia Records, said Security Deed being given to secure a Note of even date in the original principal amount of Seventy Thousand Four Hundred and 00/100 Dollars ($70,400.00), with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Chatham County, Georgia, within the legal hours of sale on the first Tuesday in September, 2025, the property being described as follows: All those lots, tracts or parcels of land lying, being and situate in the City of Savannah, County of Chatham, State of Georgia, and known and described on the map or plan of said City as Lot Number 115 and the Western 10 feet of Lot Number 116 in Block Number 26, Gerrard Ward, said lot and fractional lot lying contiguous and as a whole having a Southern frontage of 10 feet on Fortieth Street between Reynolds Street and Atlantic Avenue, and a rectangular depth Northwardly of 90.33 feet on the westernside, and being bounded on the North by Lots Numbered Five and Six in Block Number 18, said Ward; on the East by the Eastern portion of said Lot Number 116, on the South by Fortieth Street; and on the West by Lot Number 114, said Block and Ward. Said property is commonly known as 630 East 40th Street, Savannah, GA 31401. The debt secured by the 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 the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). The individual or entity that has full authority to negotiate, amend, and modify all terms of the mortgage is: Delta Community Credit Union, Attn: Kendra Allen, 315 N Highway 74, Peachtree City, Georgia 30269, 404-677-4840. Under O.C.G.A. Section 44-14-162.2, said individual or entity is not required to negotiate, amend, or modify the terms of the mortgage instrument. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) 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 Grantee, the party (or parties) in possession of the property is the Estate of Sylvia M. Johnson. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan. Delta Community Credit Union As Attorney in Fact for Sylvia M. Johnson By: William L. Phalen, III SHERMAN & PHALEN, LLC 1165 Northchase Parkway Suite 450 Marietta, GA 30067 (770) 579-0109 This Law Firm may be acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. August 7, 14, 21, 28 2025 LGSC0341359