In execution of a certain deed of trust dated September 15, 2006, in the original principal amount of $116,800.00 recorded in the Clerk's Office, Circuit Court for Cumberland County, Virginia, in Instrument No. 20061896, 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 January 25, 2013, at 5:00 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OR PARCEL OF LAND SITUATE LYING AND BEING IN MADISON MAGISTERIAL DISTRICT OF CUMBERLAND COUNTY, VIRGINIA, DESCRIBED ON A PLAT OF SURVEY MADE 4/9/74 BY RALPH P. HINES, C.L.S., A COPY OF WHICH PLAT IS ATTACHED TO AND MADE A PART OF THIS DEED AS FOLLOWS: COMMENCING AT A POINT IN STATE ROUTE 622 OPPOSITE AN IRON ON LINE; THENCE NORTH 88 DEG. 40' WEST 660 FEET TO AN OLD IRON; THENCE NORTH 03 DEG. 10' WEST 132 FEET TO AN OLD IRON; THENCE SOUTH 88 DEG. 40' EAST 660 FEET TO AN OLD IRON ON MARGIN OF THE ABANDONED STATE ROUTE 622; THENCE SOUTH 03 DEG. 10' EAST 132 FEET TO THE POINT OF BEGINNING. SAID LAND FRONTS ON STATE ROUTE 622 FOR A PORTION OF THE DISTANCE ACROSS THE FRONT. 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 www.bwwsales.com. 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: www.bwwsales.com.

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