Published 1:56 pm Tuesday, April 9, 2013

Pursuant to the terms of a deed of trust dated October 28, 2008, in the original principal amount of $128,303.00, recorded in the Clerk's Office of the Circuit Court of Cumberland County, Virginia, as Instrument No. 20081582, the property briefly described below will be offered for sale at public auction:

Lot 13, Carriage Hill, as shown on a plat of survey recorded in the aforesaid Clerk's Office in Plat Cabinet A, Slide 283, and as more particularly described in the referenced deed of trust.

The sale will take place on APRIL 25, 2013, AT 4:30 P.M., at the front entrance to the building housing the Circuit Court of Cumberland County, located on Route 60, Cumberland, VA.

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The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property.

Terms: A deposit in the form of CERTIFIED FUNDS in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Addi-tional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose.

Evans & Bryant, PLC

Substitute Trustee

FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1328951)