Published 2:44 pm Monday, December 31, 2012

By virtue of the power and authority contained in a Deed of Trust dated September 23, 2005, and recorded at Instrument Number 20051704 in the Clerk's Office for the Circuit Court for Cumberland, VA, securing a loan which was originally $168,000.00. The appointed SUBSTITUTE TRUSTEE, Commonwealth Trustees, LLC will offer for sale at public auction at Main Entrance of the Circuit Court for Cumberland, 1 Courthouse Circle, Cumberland, VA on

January 23, 2013 at 4:00 PM

improved real property,

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All that certain tract or parcel of land, with improvements thereon and appurtenances thereunto belonging, situated in Madison Magisterial District of Cumberland County, Virginia, containing ten and four/tenths acres (10.4 Acres), more or less, said lands fronting on the centerline of Virginia Secondary Route #264 and being more particularly described by a plat of survey prepared by Ralph P. Hines, C.L.S., dated January 17, 1980, which is attached hereto, made a part hereof and recorded herewith, to which plat reference is hereby made for a more complete and accurate description of said lands. Said lands being the same conveyed unto Comprehensive Human Services, Inc. from Ralph E. Mitchell et ux by deed dated June 27, 1990 and recorded in the Clerk's Office of the Circuit Court of Buckingham County in Deed Book 179, at Page 132 et seq.

BEING KNOWN AS PARCEL NUMBER 050-A-1, and as more fully described in the aforesaid Deed of Trust.

TERMS OF SALE: The property will be sold “AS IS,” WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND AND SUBJECT TO conditions, restrictions, reservations, easements, rights of way, and all other matters of record taking priority over the Deed of Trust to be announced at the time of sale. A deposit of $20,000.00, or 10% of the sale price, whichever is lower, in cash or cashier's check payable to the SUBSTITUTE TRUSTEE will be required at the time of sale. The balance of the purchase price, with interest at the rate contained in the Deed of Trust Note from the date of sale to the date said funds are received in the office of the SUBSTITUTE TRUSTEE, will be due within fifteen (15) days of sale. In the event of default by the successful bidder, the entire deposit shall be forfeited and applied to the costs and expenses of sale and Trustee's fee. All other public charges or assessments, including real property taxes, water/sewer charges, ground rent, condo/HOA dues or assessments, whether incurred prior to or after the sale, and all other costs incident to settlement to be paid by the purchaser. In the event taxes, any other public charges or condo/HOA fees have been advanced, a credit will be due to the seller, to be adjusted from the date of sale at the time of settlement. Purchaser agrees to pay the Seller's attorneys at settlement, a fee of $295.00 for review of the settlement documents.

Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustees a memorandum or contract of the sale at the conclusion of bidding.

For Information Contact:

Rosenberg & Associates, LLC

(Attorney for Commonwealth Trustees, LLC)

7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814