3220 Colchester St

CLASS:10900 NOTICE OF FORECLOSURE SALE UNDER POWER DOUGLAS COUNTY, GEORGIA Under and by virtue of the Power of Sale contained in a Security Deed given by Christopher W. Freeman and Dascia A. Freeman to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for DHI Mortgage Company, Ltd., dated March 10, 2020, and recorded in Deed Book 3795, Page 442, Douglas County, Georgia Records, subsequently modified by a Loan Modification Agreement recorded September 30, 2022 in Book 4185, Page 160 in the amount of Two Hundred Eighty-Three Thousand Three Hundred Thirty-Two and 19/100 ($283,332.19) Douglas County, Georgia Records, as last transferred to The Secretary of Veterans Affairs, an officer of the United States by assignment recorded on December 4, 2024 in Book 4393 Page 154 in the Office of the Clerk of Superior Court of Douglas County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Two Hundred Seventy-Two Thousand Nine Hundred Thirty-Six and 0/100 dollars ($272,936.00), 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 Douglas 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 155 OF THE 1ST DISTRICT, 5TH SECTION, DOUGLAS COUNTY, GEORGIA, BEING LOT 342, TRIBUTARY AT NEW MANCHESTER, PARCEL B, SECTION 2, AS PER PLAT RECORDED IN PLAT BOOK 34, PAGES 195-199, AS REVISED IN PLAT BOOK 34, PAGES 279-283, AS REVISED IN PLAT BOOK 35, PAGES 228-232, AND LAST REVISED IN PLAT BOOK 40, PAGE 311, DOUGLAS COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. 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 attorney's fees (notice of intent to collect attorney's 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: PHH Mortgage Corporation they can be contacted at 1-800-750-2518 for Loss Mitigation Dept, or by writing to 1661 Worthington Rd., Ste. 100, West Palm Beach, Florida 33409, 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 Christopher W. Freeman and Dascia A. Freeman or tenant(s); and said property is more commonly known as 3220 Colchester St, Douglasville, GA 30135. 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 Secretary of Veterans Affairs, an officer of the United States as Attorney in Fact for Christopher W. Freeman and Dascia A. Freeman. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 25-16712 08/05, 08/12, 08/19, 08/26