3270 Mt Zion Rd

NOTICE OF SALE UNDER POWER GEORGIA, CARROLL COUNTY Under and by virtue of the Power of Sale contained in that certain Consumer Deed to Secure Debt from Joseph Stacey Kitchens (the “Grantor”) to Amos Financial LLC, as successor in interest to Synovus Bank, a Georgia banking corporation, formerly known as Columbus Bank and Trust Company, as successor in interest through name change and by merger with Bank of North Georgia, as successor by merger with Citizens Bank & Trust of West Georgia (the “Grantee”) dated July 24, 2003, filed and recorded August 20, 2003, in Deed Book 2391, Page 61, Carroll County, Georgia Records from Borrower to Citizens Bank & Trust of West Georgia, as modified by that certain Modification Agreement dated September 17, 2009, filed and recorded November 4, 2009, in Deed Book 4660, Page 224, aforesaid records, as assigned by virtue of that certain Assignment of Note and Other Loan Documents from Synovus Bank, a Georgia banking corporation, formerly known as Columbus Bank and Trust Company, as successor in interest through name change and by merger with Bank of North Georgia, as successor by merger with Citizens Bank & Trust of West Georgia to Amos Financial LLC dated March 27, 2018, filed and recorded April 26, 2018 in Deed Book 5626, Page 176, Carroll County, Georgia Records (as modified and assigned, “Security Deed”), conveying the after-described property to secure that certain Simple Interest Note, Disclosure, and Security Agreement dated September 15, 2009 from Grantor to Grantee in the original principal amount of Fifty Four Thousand Thirteen Dollars and 77/100 Dollars ($54,013.77), with interest thereon as set forth therein, as modified by that certain Modification of Note dated November 6, 2013 (the “Note”), there will be sold at public outcry to the highest bidder for cash before the courthouse door of Carroll County, Georgia, within the legal hours of sale on the first Tuesday in August, 2025, the following described property: All that certain tract or parcel of land lying and being in Land Lot 183 of the 10th Land District, Carroll County, Georgia, being shown and delineated on a plat entitled “Survey for Steven P. Ritchey & Juanita B. Ritchey” dated April 19, 1995, prepared by Pioneer Land Surveying Co., certified by Jacob Roland Harrison, GA RLS #1134, which plat is recorded in Plat Book 53, Page 201, Carroll County Public Records. Said plat and the record thereof are each by reference incorporated herein and made a part hereof for a more complete and accurate description of said property. Said property is known as 3270 Mt. Zion Road, Carrollton, Georgia 30117, according to the present system of naming and numbering streets and roads, and has situated thereon and entirely within the boundaries thereof one, one-story brick & frame residential dwelling. The indebtedness secured by said Security Deed has been and is hereby declared due and payable 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. 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 as provided by law). The property will be sold for cash or certified funds and subject to any and all other matters of record superior to said Security Deed, outstanding ad valorem taxes, any matters which might be disclosed by an accurate survey and inspection of the property, zoning ordinances, restrictions, covenants, easements against the property, if any, and subject to any unpaid water and waste bills that constitute liens against the property, whether due and payable or not yet due and payable. The sale will be conducted as set forth herein subject to (1) confirmation prior to the sale that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit prior to the sale of the status of the loan with the holder of the Security Deed. Grantee reserves the right to sell the property in one parcel or as an entirety, or in such parcels as Grantee may elect, as permitted in the Security Deed. The following information is being provided in accordance with O.C.G.A. § 44-14-162.2. Amos Financial LLC is the secured creditor under the Security Deed and loan being foreclosed. The following entity shall have full authority to negotiate, amend, and modify all terms of the above-described Security Deed and associated Note on behalf of the secured creditor: Amos Financial LLC Attn: Foreclosures, 3330 Skokie Valley Road, Suite 301, Highland Park, Illinois 60035, (847) 433-2600. O.C.G.A. § 44-14-162.2 states in pertinent part that, "nothing in this subsection shall be construed to require a secured creditor to negotiate, amend, or modify the terms of a mortgage instrument." To the best of the undersigned's knowledge and belief, the property is known as: 3270 Mt. Zion Road, Carrollton, Georgia 30117 and the parties in possession of the property are Joseph Stacey Kitchens, or their tenant or tenants. Amos Financial LLC, as Attorney-in-Fact for Joseph Stacey Kitchens Thompson, O'Brien, Kappler & Nasuti, P.C. 2 Sun Court, Suite 400 Peachtree Corners, Georgia 30092 (770) 925-0111 This is notice that we are attempting to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. 07/10, 07/17, 07/24, 07/31