NOTICE OF SALE UNDER POWER, MUSCOGEE COUNTY WHEREAS, on September 28, 2012, a certain Security Deed was executed by Carolyn E. James as grantor in favor of Mortgage Electronic Registration Systems, Inc. as nominee for GMFS, LLC as grantee and was recorded on October 19, 2012, in Deed Book 10717, Page 223 in the Office of the Clerk of Superior Court, Muscogee County, Georgia; and WHEREAS, the Security Deed was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and; WHEREAS, the Security Deed is now owned by the Secretary, pursuant to an assignment recorded on July 25, 2019 and recorded in Deed Book 12700, Page 192, in the Office of the Clerk of Superior Court, Muscogee County, Georgia; and WHEREAS, a default has been made in the covenants and conditions of the Security Deed in that the payment due upon the death of the borrower was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of June 10, 2026 is $146,309.18 plus applicable fees and costs; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Security Deed to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR Part 27, subpart B, and by the Secretary's designation of Aldridge Pite, LLP as Foreclosure Commissioner, recorded on December 2, 2024 in Deed Book 14576, Page 131, Muscogee County, Georgia, notice is hereby given that on July 7, 2026 between the hours of 10:00AM – 4:00PM, local time, before the courthouse door of the Muscogee County Courthouse or at the usual place of conducting Sheriff's sales, all real and personal property at or used in connection with the following described premises ("Property") will be sold at public auction to the highest bidder: ALL THAT CERTAIN PARCEL OF LAND SITUATE IN THE CITY OF COLUMBUS, COUNTY OF MUSCOGEE AND STATE OF GEORGIA BOUNDED AND DESCRIBED AS FOLLOWS: BEING KNOWN AND DESIGNATED AS ALL OF LOT THREE (3), BLOCK "A", SECTION ONE, WEEMS VALLEY, AS SAID LOT IS KNOWN UPON A MAP OR PLAT OF SAID SUBDIVISION DATED NOVEMBER 30, 1970, MADE BY DELTA ASSOCIATES, INC., AND RECORDED IN PLAT BOOK 48, PAGE 101-A IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF MUSCOGEE COUNTY, GEORGIA, AND TO WHICH REFERENCE IS MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY CONVEYED HEREBY. BEING THE SAME PROPERTY AS TRANSFERRED BY DEED DATED 12/22/1992, RECORDED 12/22/1992, FROM CAROLYN E JAMES FKA CAROLYN E HICKMAN, TO VERLIN JAMES (NOW DECEASED PER DEATH CERTIFICATE, RECORDED IN BOOK 9740, PAGE 293) AND CAROLYN E JAMES, RECORDED IN BOOK 3712, PAGE 226. TAX ID: 071017036 Commonly known as: 6201 Westbrook Dr, Columbus, GA 31909 The sale will be held at the Muscogee County Courthouse or at the usual place of conducting Sheriff's sales. Per the Secretary of Housing and Urban Development, the estimated opening bid will be $146,945.03 plus applicable fees and costs, and any other amounts that become due as of the date of sale; and There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorate share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, the winning bidders with the exception of the Secretary must submit the total purchase price in the form of a certified check or cashier's check. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after the date of sale and all other costs associated with the transfer of title. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser (s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier's check payable to the Secretary of HUD, before public auction of the property is completed. The amount that must be paid if the Security Deed is to be reinstated prior to the scheduled sale is based on the nature of the default. A total payoff is required to cancel the foreclosure sale or the breach must be otherwise cured. Tender of payment by certified or cashier's check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. Aldridge Pite, LLP FORECLOSURE COMMISSIONER FOR THE UNITED STATES SECRETARY OF HOUSING AND URBAN DEVELOPMENT Six Piedmont Center 3525 Piedmont Road NE Suite 700 Atlanta, Georgia 30305 Phone: 404-994-7400 Fax: 888-755-2507 File no. 2201-031A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IPL0348826 Jun 17,24,Jul 1 2026