Published 3:38 pm Tuesday, November 6, 2012

In execution of a certain deed of trust dated October 02, 2006, in the original principal amount of $140,000.00 recorded in the Clerk's Office, Circuit Court for Cumberland County, Virginia, in Instrument No. 20061938, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Cumberland County, Route 60, County Office Building, Cumberland, Virginia, on December 03, 2012, at 9:00 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN PARCEL OF LAND IN THE HAMILTON MAGISTERIAL DISTRICT, CUMBERLAND COUNTY, VIRGINIA CONTAINING 3.000 ACRES, AND BEING MORE PARTICULARLY DESCRIBED AS LOT 33B ON A PLAT OF SURVEY DATED MARCH 20, 2001, MADE BY WOODROW K. COFER, C.L.S., A COPY OF WHICH PLAT OF SURVEY IS ATTACHED TO AND RECORDED WITH THIS DEED AND TO WHICH SURVEY REFERENCE IS HERE MADE FOR A MORE PARTICULAR DESCRIPTION OF THE LAND HEREIN CONVEYED. SAID LANDS ARE EXPRESSLY SUBJECT TO THE COVENANTS APPLICABLE TO FAIRVIEW FARMS SUBDIVISION, OF RECORD IN THE SAID CLERK'S OFFICE IN DEED BOOK 152, PAGE 174. SAID LANDS ARE CONVEYED SUBJECT TO EXISTING EASEMENTS, RESTRICTIONS, COVENANTS AND CONDITIONS OF RECORD AND LAWFULLY APPLICABLE. TERMS OF SALE: ALL CASH. A bidder's deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser's deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of his deposit without interest. Additional terms to be announced at the sale. A form copy of the Trustee's memorandum of foreclosure sale and contract to purchase real property is available for viewing at This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703) 548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website:


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