12-0997L NOTICE OF SALE UNDER POWER GEORGIA, SPALDING COUNTY THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by Elizabeth F. Crider and Leslie W. Crider to HSBC Mortgage Corporation (USA), dated February 13, 2004, recorded in Deed Book 2445, Page 319, Spalding County, Georgia Records, as last transferred to HSBC Bank USA, NA by assignment recorded in Deed Book 3581, Page 169, Spalding County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of FORTY-EIGHT THOUSAND FOUR HUNDRED FIFTY AND 0/100 DOLLARS ($48,450.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Spalding County, Georgia within the legal hours of sale on the first Tuesday in August, 2012, the following described property: All that lot, tract or parcel of land situate, lying and being in the City of Griffin, Spalding County, Georgia, being more particularly shown and designated as Lot 8 in Hillside Heights Subdivision, as shown on a plat of survey entitled "Property Survey for Cyndie P. Smith", prepared by Kenneth E. Presley Associates, Inc., dated August 2, 1979, recorded in Plat Book 13, Page 85, Spalding County Superior Court Records, which said plat is incorporated herein and made a part of this legal description. Located on the above described property is a dwelling known and designates as 208 Melrose Drive, according to the present plan of numbering now in use in the City of Griffin, Georgia. The debt secured by said Security Deed has been and is hereby declared due 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 and Security Deed. 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 Security Deed and by law, including attorney s fees (notice of intent to collect attorney s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: HSBC Mortgage Corporation, 2929 Walden Avenue, Depew, NY 14043, 716-651-5515. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Elizabeth F. Crider and Leslie W. Crider or a tenant or tenants and said property is more commonly known as 208 Melrose Avenue, Griffin, Georgia 30223. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor s lien on real estate and this law firm will not be seeking a personal money judgment against you. HSBC Bank USA, NA as Attorney in Fact for Elizabeth F. Crider and Leslie W. Crider McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/sju 8/7/12 Our file no. 53612-FT15 July 13, 20, 27, & August 3, 2012.

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