Jackson County Legal Advertisements...

October 11, 2000


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1998 Building Permits / 1999 Building Permits
1998 Property Transactions / 1999 Property Transactions

The legal notices posted on this site are for reference only. Only the legal notices published in the legal organ newspaper of this county (The Jackson Herald) are official per O.C.G.A. sec. 9-13-140, et seq.


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Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Under and by virtue of the Power of Sale contained in the following described instrument (hereinafter referred to as the "Security Deed"):
Security Deed from Alan W. Wilson and Susan A. Wilson to Sunshine Mortgage Corporation, dated June 30, 1997, recorded in Deed Book 16-U, Page 184, Jackson County Records, as last transferred to The First National Bank of Chicago, as Trustee, by assignment to be recorded with the Clerk of the Superior Court, aforesaid records,
conveying the after-described property to secure a Note in the original principal amount of Ninety Eight Thousand Four Hundred Sixty & 00/100 Dollars ($98,460.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2000, the following described property:
See Exhibit "A" attached hereto and made a part hereof
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 the 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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Alan W. Wilson and Susan A. Wilson or a tenant or tenants and said property is more commonly known as 175 Becca's Drive, Hoschton, Georgia 30548.
The sale will be conducted subject to (1) 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.
Bank One, National Association, as Trustee, fka The First National Bank of Chicago, as Trustee, as Attorney-in-Fact for Alan W. Wilson and Susan A. Wilson
S.H. McCalla
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road, 2nd Floor
Roswell, GA 30076
www.foreclosurehotline.net
SHM/bme 11/7/00
Our file no. 56181/00-4-7899
The law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit "A"
All that tract or parcel of land lying and being in GMD 248, Jackson County, Georgia, and being Lot 14 of Becca's Walk Subdivision, as per plat recorded in Plat Book 46, Page 82, Jackson County, Georgia Records, which plat is hereby referred to and made a part hereof by reference.
(OC11,18,25,NV1B/930 6000)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
By virtue of a Power of Sale contained in that certain Security Deed from James W. Cogdill to 1st Republic Funding, a Division of The Fidelity Group, Inc., dated November 2, 1998, recorded in Deed Book 18-P, Page 771, Jackson County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Seventy-Two Thousand Two Hundred Fifty and 00/100 Dollars ($72,250.00) with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to The First National Bank of Chicago, as Trustee, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November 2000, the following described property:
All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 245th District G.M., Jackson County, Georgia, containing 0.20 acres, more or less, as shown by plat and survey of same by W.T. Dunahoo, Surveyor, dated May 21, 1979, and recorded in Plat Book 18, Page 121, in the Office of the Clerk of the Superior Court of Jackson County, Georgia, reference to which is hereby made for a more particular description of the property herein conveyed.
Also: All that tract or parcel of land, together with all improvements thereon, situate, lying and being in the 245th District, G.M., Jackson County, Georgia, containing 0.89 acres, more or less, as shown by plat and survey of same by W.T. Dunahoo, Surveyor, dated July 10, 1970, and recorded in Plat Book 18, Page 103, in the Office of the Clerk of the Superior Court of Jackson County, Georgia, reference to which is hereby made for a more particular description of the property herein conveyed.
Less and Except: 0.13 acres, more or less, sold to Willie Clark as shown in Plat Book 18, Page 121, Jackson County Records.
Said property is commonly known as 3244 Jackson Trail Road, Jefferson, GA 30549.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorney's fees, and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is James W. Cogdill or tenant(s).
Bank One, National Association, F/K/A The First National Bank of Chicago, as Trustee, as Attorney-in-Fact for James W. Cogdill
Contact: Valerie Farrell (Ext. 155)
Morris, Schneider & Prior, L.L.C.
3300 N.E. Expressway, Suite 8B
Atlanta, Georgia 30341
(770) 234-9181
MSP File No. 382.007343\vgf
This law firm is attempting to collect a debt. Any information obtained will be used for that purpose.
(OC11,18,25,NV1B/815 7000)

Notice of Sale
Notice of Sale Under Power Contained in Security Deed
State of Georgia,
County of Jackson
Pursuant to a Power of Sale contained in a certain Security Deed executed by Brenda Jean Whitely and James R. Whitely Jr., hereinafter referred to as Grantor, with the singular including the plural, to Mortgage Lenders Network USA, Inc., recorded in Deed Book 19-Y, beginning at Page 580, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said Security Deed, the undersigned Attorney-in-Fact for the aforesaid Grantor (which Attorney-in-Fact is the present holder of said Security Deed and note secured thereby) will sell before the door of the Courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in November, 2000, the property which, as of the time of the execution of said Security Deed, was described as set forth in the attached Exhibit "A." Said sale will be made subject to the following items which may affect the title to said property: All restrictive covenants, easements and rights-of-way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding and/or unpaid taxes which may be liens upon the property; all outstanding or unpaid bills and assessments for street improvements, curbing, garbage, water, sewage and public utilities which may be liens upon said property. To the best of the undersigned's knowledge and belief, the party in possession of the property is believed to be Brenda Jean Whitely and James R. Whitely Jr.
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.
Mortgage Lenders Network USA, Inc., as Transferee and Assignee, as Attorney-in-Fact for the aforesaid Grantor
J. Michael Campbell
Attorney at Law
990 Hammond Drive
Suit 800
One Lakeside Commons
Atlanta, Georgia 30328
(770) 392-0041
This law firm is attempting to collect a debt, and any information obtained will be used for that purpose.
Exhibit "A"
All that tract or parcel of land lying and being in the 1704th District, G.M., Jackson County, Georgia, containing 3.39 acres, more or less, and being designated as Lot 32, as shown on that plat of survey for Hunters Ridge, prepared by Cornerstone Land Surveying, Surveyor, dated September 30, 1995, and recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia, in Plat Book 46, Page 93. Said plat, as recorded, is hereby incorporated by reference for a more detailed description of said property.
(OC11,18,25,NV1B/372 5000)

Notice of Sale
Notice of Sale Under Power
By virtue of the power contained in a Deed to Secure Debt executed and delivered by John H. Blackstock to Community Bank and Trust-Jackson, dated February 9, 1998, and recorded in Deed Book 17-M, Page 505, and dated August 3, 1998, and recorded in Deed Book 18-F, Page 651, Jackson County, Georgia Records, and recorded securing a note of even date, and any other present or future indebtedness, in addition to interest accruing, there will be sold at public outcry to the highest bidder for cash, before the Courthouse door in Jackson County, Georgia, by the undersigned, acting as Attorney-in-Fact for the said John H. Blackstock, as provided in said Deed to Secure Debt, between the hours of 10:00 a.m. and 4:00 p.m. Eastern Time, on the first Tuesday in November, to-wit; November 7, 2000:
All that tract or parcel of land lying and being in the City of Jefferson, 245th District, G.M., Jackson County, Georgia, containing 0.415 acre, more or less, as shown on plat entitled "Survey for Jean Champion Singleton" dated August 5, 1991, by Rooks & Brewer, John F. Brewer, Registered Surveyor, recorded in Plat Book 37, Page 91, Office of the Clerk of Superior Court of Jackson County, Georgia, and being more particularly described as follows: Beginning at a point at the southeasterly corner of the intersection of Old Pendergrass Road and Morton Street (also known as Cross Street) and running thence along and around the southerly side of Old Pendergrass Road north 89 degrees 48 minutes 12 seconds east 23.98 feet to a point; thence along and around the southerly side of Old Pendergrass Road north 81 degrees 55 minutes 04 seconds east 53.28 feet to an iron pin; running thence along line of property of Thomas Meade south 14 degrees 55 minutes 04 seconds east 210.46 feet to an iron pin; running thence along line of property of F.A. Gordon south 78 degrees 03 minutes 31 seconds west 93.04 feet to an iron pin on the easterly side of Morton Street; running thence along the easterly side of Morton Street north 10 degrees 30 minutes 25 seconds west 218.71 feet to the point of beginning.
The debt secured by said Deed to Secure Debt, being in default, said powers contained therein will be exercised and the land will be sold as property of John H. Blackstock, by the undersigned, as Attorney-in-Fact for the said John H. Blackstock.
Said property shall be sold subject to any and all outstanding easements and right-of-way, restrictions of record, if any, and to all unpaid taxes and assessments.
The proceeds from said sale will be applied to the payment of the above-styled indebtedness, the expenses of the procedure, attorney's fees (notice as required in Sec. 13-1-11, O.C.G.A., 1982, as amended, having been sent), and the balance, if any, shall be applied as provided in said Deed to Secure Debt. Proper conveyance will be made to the purchaser at the sale by the undersigned acting as Attorney-in-Fact for the said John H. Blackstock.
This 4th day of October, 2000.
Community Bank and Trust-Jackson, As Attorney-in-Fact for John H. Blackstock
Allen L. Lacey, Jr.
Attorney at Law
P.O. Box 356
Commerce, Georgia 30529
(706) 335-7886
(OC11,18,25,NV1INV)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Whereas, heretofore on December 13, 1995, Stephen L. Crawford and Leann Crawford did execute a certain deed to secure debt to Independence Mortgage Corporation of America, to the following described property:
All that tract or parcel of land lying and being in the 1747 G.M.D., Jackson County, Georgia, designated as Lot 15, Block A, Belle Spring Woods, containing 3.875 acres, more or less, as shown on plat and survey of Venable & Associates, Inc., Surveyors, dated December 15, 1995, recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia, in Plat Book 47, Page 212. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Subject to existing easements and rights-of-way for public roads and utilities now in use.
To secure an indebtedness evidenced by a promissory note of even date therewith in the amount of $93,456.00 all as shown by a deed to secure debt recorded in the Clerk's Office of the Superior Court of Jackson County, Georgia, in Deed Book 15-E, Pages 145-149, as modified by Modification Agreement recorded in the Clerk's Office of Jackson County, Georgia, on October 31, 1996. Said deed having been transferred and assigned to Lochaven Federal Savings and Loan Association now Republic Bank by merger by document dated December 16, 1996, and recorded in Deed Book 16-F, Pages 262-263, Jackson County, Georgia Deed Records.
The secured indebtedness is now in default, and the holder has declared the balance thereon due. This sale will be for the purpose of paying the same and the proceeds thereof will be applied to the payment of said indebtedness and all charges and expenses in connection with this sale under power, and the balance, if any, will be applied as provided in said deed to secure debt and according to the Laws of the State of Georgia.
Now Therefore, according to the terms of said deed to secure debt and the laws in such cases made and provided, the undersigned will expose for sale to the highest and best bidder for cash the above described lands after proper advertisement on the first Tuesday in November, 2000, between the legal hours of sale, before the Courthouse door in Jefferson, Jackson County, Georgia.
Said real estate will be sold subject to the following: a) Outstanding ad valorem taxes; b) Easements and/or Restrictive Covenants appearing of record, if any.
To the best of the undersigned's knowledge and belief, the property is in the possession of Stephen L. Crawford and L. LeAnn Crawford and said property will be sold as the property of Stephen L. Crawford and L. LeAnn Crawford.
The undersigned will execute and deliver a deed and title to the purchaser as authorized in the aforementioned deed to secure debt.
This 2nd day of October, 2000.
Republic Bank, formerly Lochaven Federal Savings and Loan Association, as Attorney-in-Fact for Stephen L. Crawford and L. LeAnn Crawford
James M. Walters
Attorney at Law
Suite 103
311 Green Street
Gainesville, Georgia 30501
(770) 536-3264
(OC11,18,25,NV1P4)

Advertisement
for Bid
Bear Creek Reservoir-Miscellaneous Projects
Upper Oconee Basin
Water Authority
Sealed Bids from Qualified Contractors will be received by the Upper Oconee Basin Water Authority, for furnishing all materials, labor, tools, equipment and appurtenances necessary for the construction of 3 miscellaneous projects as listed below:
·Project 1-Reconstruction of Savage Road at Reservoir Crossing
·Project 2-Construction of 12 ft. gravel access driveway across Gray and Evans property easements.
·Project 3-Construction of 12 ft. gravel access driveway across Kinney property easements.
Bids will be received at the Northeast Regional Development Center, 305 Research Drive, Athens, Georgia 30610 until 2:00 p.m., November 9, 2000. The bids will be opened and read aloud at 2:00 p.m. legal local time in the conference room of said office.
Proposed contract documents may be obtained from the engineer, Moreland Altobelli Associates, Inc., 2195 Highway 330, Bogart, Georgia 30622. A non-refundable fee of $30 is required. Contact Russell Small at (770) 725-8015 prior to picking up the Bid Documents or to schedule a tour of the sites.
All contractors wishing to bid may schedule a site visit by contacting the Moreland Altobelli Associates at (770) 725-8015.
Bidding documents may be reviewed at the office of the Engineer or at the Northeast Georgia Regional Development Center.
No Bid may be modified, withdrawn or canceled for a period of 90 days after time designated above for receipt of Bids.
Accompany Bids with Bid Security in the amount of ten percent (10%) of the Bid in the form of certified cashiers check or Bid Bond in accordance with Instructions to Bidders.
Performance Bond and labor and materials bond, each in the amount of 100% of the contract amount shall be required from the successful bidder. Accompany bid with a signed certificate from a Surety company acceptable to the Upper Oconee Basin Water Authority stating that Surety company will provide bidder, if awarded the contract, with required bonds within ten (10) days after being notified that the contract has been awarded with Georgia Law (O.C.G.A) Sections 13-10-1 and 36-82-102 prior to awarding the contract.
The Upper Oconee Basin Water Authority reserves the right to reject any or all Bids, to waive any informalities, to reject portions of the bid, to waive technicalities and to award the contract for construction in a manner not inconsistent with the laws of the State of Georgia. The contract will be awarded, if at all, within ninety (90) calendar days after the opening of the Bids.
All inquiries are to be directed to the office of the engineer, attention Mr. Russell Small, Project Manager.
(OC11,18,25,NV1P4)

Public Hearing
The Jackson County Planning Commission will hold public hearings on Thursday, October 26, 2000, at 7:00 p.m. at the Jackson County Administrative Building on the following matters:
Jackson County
1. #RZ-00-40 James Lewis and Darlene McConnell to rezone property (18.38 acres) at 1045 Sanford Road from A-2 to A-3 for the purpose of five site built or manufactured home lots.
2. #RZ-00-41 Brett and Russell Dev. to rezone property (10 acres) at Old Hwy. 441 and Watkins Farm Road from A-2 to A-3 for the purpose of eight site built or manufactured home lots.
3. #RZ-00-42 Steven Parker to rezone property (1 acre) at 74 Lagree Duck Road from A-1 to B-2 for the purpose of a business/outdoor storage.
Jefferson
1. #RZ-00-43 Myron Stanley to rezone property (0.59 acre) at 398 Oak Avenue from R-1 to C-2 for the purpose of an automobile repair shop.
New Business
1. Preliminary plat for Harris Hills on Brock Road (48 lots) Map 43/Parcel 2 (58.7 acres).
2. Preliminary plat for Dillon's Walk on Hwy. 124 (28 lots) Map 82/Parcels 9B, 6D and 6M (28.07 acres).
3. Preliminary plat for Highland Park on Ga. Hwy. 11 at Galilee Church Road (56 lots) Map 83/Parcel 3 (53 acres).
(Complete applications, plats and texts are available for review in the Planning and Development Office during regular office hours. All interested persons are invited to attend. The recommendations of the Planning Commission will be addressed at a public hearing at the Jackson County Board of Commissioners work session on November 14, 2000, at 6 p.m. and the voting session on November 14, 2000, at 7 p.m. and the Jefferson City Council meeting on November 13, 2000, at 6 p.m.)
(OC11,18B/485 4000)

Public Notice
The Northeast Georgia Regional Board, Division of Mental Health, Mental Retardation and Substance Abuse announces a Request for Information from agencies interested in providing the following service:
·Intensive Case Management Program for adolescents who are involved in the Criminal Justice System who are in need of Substance Abuse Treatment
All responses are to be submitted by 5:00 p.m. on October 20, 2000 to:
Margaret Bradford, Executive Director
Northeast Georgia Regional Board
236 Industrial Park Drive
Banks Crossing
Commerce, Georgia 30529
For specifications and application requirements, application packets are available by calling Julie West at the Northeast Georgia Regional Board Office at 706-336-6822, 1-800-518-5436.
(OC11,18B/729 1000)

Notice
Notice of Proposed
Bank Merger
Notice is hereby given that the Community Bank & Trust-Habersham, Cornelia, Georgia has made application to the Federal Deposit Insurance Corporation for its written consent to merge Community Bank & Trust-Jackson, Commerce, Georgia into the applicant.
Any person wishing to comment on this application may file his or her comments in writing with the Regional Director (DOS) of the Federal Deposit Insurance Corporation at its Regional Office located in Suite 1800, One Atlantic Center, 1201 West Peachtree Street, NE, Atlanta, Georgia 30309-3415 not later than 30 days after the first publication of the notice. The non-confidential portions of the application are on file in the regional office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request.
Any person wishing to comment on and/or protest the application filed with the Georgia Department of Banking & Finance may do so by filing a written notice with the Georgia Department of Banking & Finance, State of Georgia, 2990 Brandywine Road, Suite 200, Atlanta, GA 30341-5565, by the 15th day following the last day of required publications. The Georgia Department of Banking & Finance will accept and take official constructive notice of all written comments and notices timely filed with the Federal Deposit Insurance Corporation. Nonconfidential portions of the application filed with the Department are available for review in the offices of the Department during regular business hours. Cost associated with reproduction of records and formal hearings shall be borne by those persons requesting such information or hearings.
(SE27,OC11,18P3)

Crane Estate
Notice to Debtors
and Creditors
State of Georgia
Jackson County
In Re: Estate of Hoyt E. Crane Sr., Deceased
All creditors of the estate of Hoyt E. Crane, Sr., deceased, late of Jackson County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 29th day of September, 2000.
Ruby Cooper Crane, Executor of Estate of Hoyt E. Crane, Sr., Deceased
Davidson, Hopkins & Booth
P.O. Box 429
Jefferson, Georgia 30549
(OC11,18,25,NV1B/251 1000)

Inc. Notice
Notice is given that Articles of Incorporation, which will incorporate Hoschton First Baptist Church, Inc., will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 99 East Jefferson Street, Hoschton, Georgia 30548, and its initial registered agent is John Mark Carpenter.
(OC11,18P2)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
By virtue of a Power of Sale contained in that certain Security Deed from Patsy J. Doster to Taylor, Bean & Whitaker Mortgage Corp., dated February 26, 1999, recorded in Deed Book 19-E, Page 432, Jackson County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Eighty-Seven Thousand Nine Hundred and 00/100 Dollars ($87,900.00) with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Bank One, National Association, f/k/a, The First National Bank of Chicago, as Trustee, there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November 2000, the following described property:
All that tract or parcel of land lying and being in the 1765 G.M.D., Jackson County, Georgia, designated as Lot 28 in Ridge Mill Subdivision, as shown on plat and survey of Harris Consultants, Inc., dated June 22, 1998, recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia, in Plat Book 50, at Page 175, Jackson County Records. For a more detailed description to said tract, reference is hereby made to said plat as recorded. Subject to Protective Covenants for Ridge Mill Subdivision recorded in Deed Book 18-B, at Pages 77-79, Jackson County Records.
Said property is commonly known as 17 Ridge Way, Braselton, GA 30517.
The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorney's fees, and all other payments provided for under the terms of the Security Deed and Note.
Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Patsy J. Doster or tenant(s).
Bank One, National Association, F/K/A, The First National Bank of Chicago, as Trustee, as Attorney-in-Fact for Patsy J. Doster
Contact: Tynekia Wells (Ext. 136)
Morris, Schneider & Prior, L.L.C.
3300 N.E. Expressway, Suite 8B
Atlanta, Georgia 30341
(770) 234-9181
MSP File No. 382.007407\tmw
This law firm is attempting to collect a debt. Any information obtained will be used for that purpose.
(OC11,18,25,NV1B/815 6000)

Ray Estate
Notice to Debtors
and Creditors
State of Georgia
County of Jackson
In Re: Estate of Howard Emmett Ray, Deceased
All creditors of the estate of Howard Emmett Ray, deceased, late of Jackson County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.
This 13th day of September, 2000.
Dennis J. Ray, Executor of the Estate of Howard Emmett Ray, Deceased
(SE20,27,OC4,11P4)

Hewell Estate
Notice to Debtors
and Creditors
State of Georgia
Jackson County
In Re: Estate of Eric Llewellyn Hewell, Deceased
All creditors of the estate of Eric Llewellyn Hewell, deceased, late of Jackson County, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to us.
This 14th day of September, 2000.
Lisa Annett Hewell, Executor of Estate of Eric Llewellyn Hewell, deceased
Davidson, Hopkins & Booth
P.O. Box 429
Jefferson, Georgia 30549
(SE20,27,OC4,11B/251 1000)

Moore Estate
Notice to Debtors
and Creditors
State of Georgia
County of Jackson
In Re: Estate of John L. Moore, Deceased
All creditors of the Estate of John L. Moore Jr., deceased, late of Jackson County, Georgia, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to me.
This 11th day of September, 2000.
Hazel J. Moore, Executrix of the Estate of John L. Moore Jr.
1751 Academy Church Road
Jefferson, Georgia 30549
(SE20,27,OC4,11P4)

Notice
State of Georgia
Jackson County
Notice is hereby given that Freddie G. Damons filed a Petition of Quia Timet Against All The World to the Superior Court of said County on the 15th day of September 2000, and Notice is hereby given to any interested or affected party or parties to be an appear in said matter, in the said Court, on or before 10:00 a.m. on the 18th day of October, 2000. You are required to file with the Clerk of the Superior Court of Jackson County, and to serve upon the Petitioner's attorney, Scott R. Tolbert of the Law Firm of Tolbert & Elrod, Attorneys at Law, 62 Washington Street, Jefferson, Georgia 30549.
This 15th day of September, 2000
Reba Parks, Clerk of Court, Jackson County
(SE20,27,OC4,11B/344 2000)

Public Notice
Jackson County, by and through its Board of Commissioners, has on September 20, 2000, approved and designated the original location of the county road to be known as "Concord Road," County Road Number 674, in GMD 428 between State Route 82 and U.S. Highway 129, as more particularly shown on the plans of the Concord Road project on file at the office of the Board of Commissioners of Jackson County. Any interested party may obtain a copy of same by writing to the Jackson County Board of Commissioners and paying a nominal cost therefore, not to exceed the cost of copying.
(SE27,OC4,11,18INV)

Notice
Notice of Proposed
Bank Merger
Notice is hereby given that the Community Bank & Trust-Habersham, Cornelia, Georgia has made application to the Federal Deposit Insurance Corporation for its written consent to merge Community Bank & Trust-Jackson, Commerce, Georgia into the applicant.
Any person wishing to comment on this application may file his or her comments in writing with the Regional Director (DOS) of the Federal Deposit Insurance Corporation at its Regional Office located in Suite 1800, One Atlantic Center, 1201 West Peachtree Street, NE, Atlanta, Georgia 30309-3415 not later than 30 days after the first publication of the notice. The non-confidential portions of the application are on file in the regional office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request.
Any person wishing to comment on and/or protest the application filed with the Georgia Department of Banking & Finance may do so by filing a written notice with the Georgia Department of Banking & Finance, State of Georgia, 2990 Brandywine Road, Suite 200, Atlanta, GA 30341-5565, by the 15th day following the last day of required publications. The Georgia Department of Banking & Finance will accept and take official constructive notice of all written comments and notices timely filed with the Federal Deposit Insurance Corporation. Nonconfidential portions of the application filed with the Department are available for review in the offices of the Department during regular business hours. Cost associated with reproduction of records and formal hearings shall be borne by those persons requesting such information or hearings.
(SE27,OC4,11P3)

Harber Estate
Notice to Debtors
and Creditors
Georgia, Jackson County
All creditors of the Estate of James J. Harber Jr., deceased, late of Jackson County, are hereby notified to render their demands to the undersigned, according to law, and all persons indebted to said Estate are required to make immediate payment to me.
This 19th day of September, 2000.
Elaine Harber, Executrix of the Estate of James J. Harber Jr.
c/o R. Thad McCormack, P.C.
311 Green Street, Suite 101
Gainesville, GA 30501
(SE27,OC4,11,18P4)

Adoption Notice
Notice of Adoption
In the Superior Court of Cherokee County
State of Georgia
In Re: Petition for Adoption of Caleb James Boone
To: Steven Sapp
You are hereby notified that there has been a Petition for Adoption filed with the Superior Court of Cherokee County, Georgia, to adopt a minor baby boy born on March 27, 2000, named Caleb James Boone; and
You are further notified that you have been named as the biological father of said minor child born to Jennifer Lynn Boone, biological mother, who executed and delivered a Surrender of Rights Final Release for Adoption pursuant to O.C.G.A. Section 19-8-5.
In accordance with Official Code of Georgia Annotated Section 19-8-12, you are hereby advised that you will lose all right to said child and will neither receive notice nor be entitled to object to the adoption of the child unless within thirty (30) days of the publication of this notice you: (1) file a Petition to Legitimate the child pursuant to Official Code of Georgia Annotated Section 19-7-22; (2) file notice of the filing of such Petition to Legitimate with the Superior Court of Cherokee County, State of Georgia; and (3) provide notice of the filing of said Petition to Legitimate to S. Jeffrey Rusbridge, P.O. Box 1776, Canton, Georgia 30114.
Witness the hand of the Honorable Frank C. Mills III, Superior Court Judge, Cherokee County, this 31st day of July, 2000.
Honorable Frank C. Mills III, Superior Court Judge
Presented by:
S. Jeffrey Rusbridge
Attorney for Petitioners
Georgia Bar No. 619533
Robert M. Dyer & Associates, P.C.
P.O. Box 1776
Canton, Georgia 30114
(770) 479-7418
(OC4,11,18P3)

Public Notice
Public Notice of Intent
to Abandon a Portion
of Brown Road
The Jackson County Board of Commissioners has determined that approximately 0.3 of a mile, more or less, of Brown Road has ceased to be used by the public to the extent that no substantial public purpose is served by this portion of the road. The Jackson County Board of Commissioners will hold a public hearing on Tuesday, November 14, 2000, at 4:45 p.m. after which the Jackson County Board of Commissioners may declare that section of the county road system abandoned. If that section of Brown Road is declared to be abandoned, then the rights of the public in and to that section of Brown Road as a public road shall cease.
(OC4,11INV)

Public Notice
Public Notice of Intent
to Abandon a Portion
of Y.E. Bolton Road
The Jackson County Board of Commissioners has determined that approximately 0.4 of a mile, more or less, of Y.E. Bolton Road has ceased to be used by the public to the extent that no substantial public purpose is served by this portion of the road. The Jackson County Board of Commissioners will hold a public hearing on Tuesday, November 14, 2000, at 4:45 p.m. after which the Jackson County Board of Commissioners may declare that section of the county road system abandoned. If that section of Y.E. Bolton Road is declared to be abandoned, then the rights of the public in and to that section of Y.E. Bolton Road as a public road shall cease.
(OC4,11INV)

Notice
Georgia, Jackson County Probate Court
The petition of Abigail Eggleston Maddox, for a year's support from the estate of Stedham Lamar Maddox Jr., deceased, for decedent's surviving spouse, having been duly filed, all interested persons are hereby notified to show cause, if any they have, on or before November 6, 2000, why said petition should not be granted.
All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed on or before the time stated in the preceding sentence. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.
Witness, the Honorable Margaret Deadwyler, Judge
By: Helen Gunnels, Clerk, Probate Court of Jackson County
(OC4,11,18,25B/498 2000)

Inc. Notice
Notice of Incorporation
Notice is given that Articles of Incorporation that will incorporate Friction-Less, Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 164 Pheasant Run, Hoschton, Georgia 30548, and its initial registered agent at such address is Robert Keith Salsman.
(OC4,11P2)

Notice of Sale
Notice of Sale Under Power
By virtue of the Power of Sale contained in a Deed to Secure Debt by Ronny L. Knight and Diane T. Knight to Parkway Mortgage, Inc., dated October 9, 1996, and filed for record October 18, 1996, in Deed Book 15-Z, Page 254, Jackson County, Georgia Records, and securing a Note in the original principal amount of $54,600.00; last transferred to The Chase Manhattan Bank, as Trustee of IMC Home Equity Loan Trust 1997-1 Under the Pooling & Servicing Agreement dated as of January 1, 1997, by Assignment filed for record in Jackson County, Georgia Records, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Jackson County, Georgia, between the legal hours of sale on the first Tuesday in November 2000, by The Chase Manhattan Bank, as Trustee of IMC Home Equity Loan Trust, as Attorney-in-Fact for Ronny L. Knight and Diane T. Knight, the following property to-wit:
All that tract or parcel of land shown on Exhibit "A" attached hereto and made a part hereof.
The above described property is also known as 140 Davenport Road, Braselton, GA 30517.
The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees (notice of intention to collect attorney's fees having been given).
The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable.
To the best of the undersigned's knowledge and belief, possession of the subject property is held by Ronny L. Knight and Diane T. Knight.
The Chase Manhattan Bank, as Trustee of IMC Home Equity Loan Trust, as Attorney-in-Fact for Ronny L. Knight and Diane T. Knight
Shuping, Morse & Ross, LLP
By: S. Andrew Shuping, Jr.
6259 Riverdale Road
Suite 100
Riverdale, Georgia 30274-1698
(770) 991-0000
This law firm is attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit "A"
All that tract or parcel of land lying and being in the 1765th District, G.M., Jackson County, Georgia, containing 3.17 acres, more or less, as shown on plat of survey prepared by Venable & Associates, Surveyors, dated July 5, 1985, recorded in Plat Book 23, Page 132, Jackson County, Georgia Records, which plat and the record thereof are incorporated herein by reference thereto.
(OC11,18,25,NV1B/119 5000)

Notice of Sale
Notice of Sale Under Power
County of Jackson
State of Georgia
Because of a default in the payment of the indebtedness secured by a Security Deed executed by Wendy A. Wild to 1st Franklin Financial Corporation dated October 9, 1998, and recorded on October 15, 1998, as shown of record in Deed Book 180-N, at Pages 445-446, of the Jackson County Deed Records, securing a Note in the original principal amount of $21,093.87, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 7, 2000, during the legal hours of sale before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:
All that tract or parcel of land lying and being in the 245th District, G.M., Jackson County, Georgia, in Town of Arcade, containing 2.99 acres, more or less, and designated as Lot 33 as shown on plat of survey of White Oak Subdivision, prepared by Venable and Associates, Surveyors, dated April 8, 1986, and recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia, in Plat Book 22, Page 194. Said plat, as recorded, is hereby referenced for a more detailed description to said property. Subject to existing easements and rights of way for public roads and utilities now in use. Also subject to Restrictive Covenants recorded in Deed Book 9-K, at Page 675.
Said property is known as 112 Hickory Trail, Jefferson, Georgia 30549, together with a single wide mobile home located on the property with all fixtures and personal property attached to and constituting a part of said property, if any.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, 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.
This 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.
Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by this Deed.
Said property will be sold as the property of Wendy A. Wild, the property to the best information, knowledge and belief of the undersigned, being presently in the possession of Wendy A. Wild, and the proceeds of said sale will be applied to the payment and said indebtedness and all the expenses of said sale, including attorney's balance, if any, will be distributed as provided by law.
1st Franklin Financial Corporation, as Attorney-in-Fact for Wendy A. Wild
File No.: BNK-WW
Margaret Sullivan Ryder
Attorney for 1st Franklin Financial Corporation
223 2nd Street
Suite B
Crawford, Georgia 30630
(706) 743-3096
(OC11,18,25,NV1B/337 6000)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Under and by virtue of the Power of Sale contained in a Security Deed given by Roberta Alayne Milligan and Walter Roe Milligan Sr. to Cinergy Financial Group, Inc., dated September 11, 1996, recorded in Deed Book 15-Y, Page 61, Jackson County, Georgia Records, as last transferred to Chase Manhattan Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Sixty-Three Thousand Seven Hundred Fifty and & 00/100 Dollars ($63,750.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2000, the following described property:
See Exhibit "A" attached hereto and made a part hereof
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 the 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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Roberta Alayne Milligan and Walter Roe Milligan Sr. or a tenant or tenants and said property is more commonly known as 449 Forest Lake Road, Pendergrass, GA 30567.
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.
Chase Manhattan Mortgage Corporation, as Attorney-in-Fact for Roberta Alayne Milligan and Walter Roe Milligan Sr.
S.H. McCalla
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road
Roswell, Georgia 30076
SHM/kms 11/7/00
Our file no. 5570200-FT7
This law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit "A"
All that tract or parcel of land lying and being in GMD 455, Jackson County Georgia, being Lot 34, Forest Lakes Subdivision, Unit Two, containing 5.463 acres, per that plat as surveyed for Dorsey Guthrie prepared by Rooks & Brewer, John F. Brewer, Registered Land Surveyor No. 2115, dated 10/24/91, as recorded in Plat Book 38, Page 1, Jackson County Records, which plat is incorporated herein by reference for description.
(OC11,18,25,NV1/930 5000)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Under and by virtue of the Power of Sale contained in a Security Deed given by Jerry Lee Schultz to Irwin Mortgage Corporation, dated February 26, 1998, recorded in Deed Book 17-P, Page 33, Jackson County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Ninety Three Thousand One Hundred & No/100 Dollars ($93,100.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2000, the following described property:
See Exhibit "A" attached hereto and made a part hereof
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 the 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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Jerry Lee Schultz or a tenant or tenants and said property is more commonly known as 54 Becca's Drive, Hoschton, GA 30548.
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.
Irwin Mortgage Corporation, as Attorney-in-Fact for Jerry Lee Schultz
S.H. McCalla
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road, 2nd Floor
Roswell, GA 30076
www.foreclosurehotline.net
SHM/jlk 11/7/00
Our file no. 5479300-3-06063
The law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit "A"
All that tract or parcel of land lying and being in the 248th District, G.M., of Jackson County, Georgia, designated as Lot 19 of Becca's Walk Subdivision as shown on a plat being of record in the Office of the Clerk of the Superior Court for Jackson County, Georgia, in Plat Book 46, Page 82, which said plat and the recording thereof are by reference incorporated herein for a more complete and detailed description.
(OC11,18,25,NV1B/930 5000)

Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
Under and by virtue of the Power of Sale contained in a Security Deed given by Raymond R. Smith and Melissa Smith to Taylor, Bean & Whitaker Mortgage Corp., dated January 15, 1999, recorded in Deed Book 18-Z, Page 582, Jackson County, Georgia Records, as last transferred to Wells Fargo Home Mortgage Inc., fka Norwest Mortgage Inc., by assignment to be recorded in the Office of the Clerk of the Superior Court of Jackson County, Georgia, conveying the after-described property to secure a Note in the original principal amount of Seventy Six Thousand & No/100 Dollars ($76,000.00), 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 Jackson County, Georgia, within the legal hours of sale on the first Tuesday in November, 2000, the following described property:
See Exhibit "A" attached hereto and made a part hereof
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 the 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.
To the best knowledge and belief of the undersigned, the party in possession of the property is Raymond R. Smith and Melissa Smith or a tenant or tenants and said property is more commonly known as 338 Bellwood Road, Jefferson, GA 30549.
Wells Fargo Home Mortgage Inc., fka Norwest Mortgage Inc., as Attorney-in-Fact for Raymond R. Smith and Melissa Smith
Stanley H. McCalla
McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC
1544 Old Alabama Road, 2nd Floor
Roswell, GA 30076
(770) 453-8599
SHM/snw 11/7/00
Our file no. 5613700-5-07737
The law firm is acting as a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
Exhibit "A"
All that tract or parcel of land lying and being in the 245th, G.M.D., Jackson County, Georgia, containing 1,500 acres, more or less, and being designated as Tract 1B, Fox Trace Subdivision, as shown on a plat for Stephen Craig Profitt and Jaime M. Profitt, prepared by Timberland Management Services, Inc., W.W. Lester, dated October 30, 1989, recorded in Plat Book 33, Page 44, in the Office of the Clerk of the Superior Court of Jackson County, Georgia. Said Plat, as recorded is hereby incorporated by reference for a more detailed description of said property. Subject to existing easements and rights of way for public roads and utilities now in use.
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.
(OC11,18,25,NV1B/930 6000)



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