234 Brooks St

Notice of Sale Under Power. State of Georgia, County of POLK. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by RAVEN A VICKERS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS) AS NOMINEE FOR NEIGHBORS BANK , dated 03/06/2024, and Recorded on 04/09/2024 as Book No. 1883 and Page No. 490 507, POLK County, Georgia records, as last assigned to PENNYMAC LOAN SERVICES, LLC (the Secured Creditor), by assignment, conveying the after described property to secure a Note of even date in the original principal amount of $146,464.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the POLK County Courthouse within the legal hours of sale on the first Tuesday in August, 2025, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE CITY OF CEDARTOWN, WITHIN THE 2ND DISTRICT AND 4TH SECTION OF POLK COUNTY, GEORGIA, BEING 0.221 ACRE, MORE OR LESS, AND BEING MORE PARTICULARLY SHOWN AND DELINEATED ON THAT CERTAIN PLAT OF SURVEY ENTITLED "SURVEY FOR OLIN L HICKS," DATED AUGUST 21, 1990, PREPARED AND CERTIFIED BY GILBERT O. MAULSBY, JR., GRLS #1555. FILED FOR RECORD IN PLAT BOOK O, PAGE 113, POLK COUNTY, GEORGIA, PUBLIC LAND RECORDS, WHICH PLAT ANT THE RECORD THEREOF ARE EACH INCORPORATED HEREIN BY REFERENCE THERETO FOR A MORE COMPLETE AND ACCURATE DESCRIPTION OF SAID PROPERTY. SAID PROPERTY IS ADDRESSED AS 234 BROOKS ST, CEDARTOWN, GA 30125, ACCORDING TO THE PRESENT SYSTEM OF NAMING AND NUMBERING STREETS AND HOUSES AND BEARS THE TAX IDENTIFICATION NUMBER C13181. THIS CONVEYANCE IS MADE SUBJECT TO ALL ZONING ORDINANCES, EASEMENTS AND RESTRICTIONS OF RECORD AFFECTING SAID BARGAINED PREMISES, IF ANY, HOWEVER, THIS REFERENCE SHALL NOT OPERATE TO REIMPOSE SAME. The debt secured by said Deed to Secure Debt 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 Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorneys fees (notice of intent to collect attorneys fees having been given). PENNYMAC LOAN SERVICES, LLC holds the duly endorsed Note and is the current assignee of the Security Deed to the property. PENNYMAC LOAN SERVICES, LLC, acting on behalf of and, as necessary, in consultation with PENNYMAC LOAN SERVICES, LLC (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. ? 44 14 162.2, PENNYMAC LOAN SERVICES, LLC may be contacted at: PENNYMAC LOAN SERVICES, LLC, 3043 TOWNSGATE ROAD, SUITE 200, WESTLAKE VILLAGE, CA 91361, 866 549 3583. Please note that, pursuant to O.C.G.A. ? 44 14 162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 234 BROOKS ST, CEDARTOWN, GEORGIA 30125 is/are: RAVEN A VICKERS or tenant/tenants. 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) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. 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 nonjudicial 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 as provided in the preceding paragraph. PENNYMAC LOAN SERVICES, LLC as Attorney in Fact for RAVEN A VICKERS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 00000010341394 BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP 4004 Belt Line Road, Suite 100 Addison, Texas 75001 Telephone: (972) 341 5398. 7:9,16,23,30,2025