The Mecklenburg Times November 8, 2022

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Tuesday, November 8, 2022 Public Notice

Real Estate Trustee Sales NOTICE OF FORECLOSURE SALE

{ The Mecklenburg Times }

whichever is greater, is required and must be tendered in the form of certified funds at the time of the sale. If the trustee is unable to convey title to this property for any reason, the sole remedy of the purchaser is the return of the deposit. Reasons of such inability to convey include, but are not limited to, the filing of a bankruptcy petition prior to the confirmation of the sale and reinstatement of the loan without the knowledge of the trustee. If the validity of the sale is challenged by any party, the trustee, in its sole discretion, if it believes the challenge to have merit, may request the court to declare the sale to be void and return the deposit. The purchaser will have no further remedy. Additional Notice for Residential Property with Less than 15 rental units, including Single‑Family Residential Real Property An order for possession of the property may be issued pursuant to N.C.G.S. § 45­21.29 in favor of the purchaser and against the party or parties in possession by the clerk of superior court of the county in which the property is sold. Any person who occupies the property pursuant to a rental agreement entered into or renewed on or after October 1, 2007, may after receiving the notice of fore­ closure sale, terminate the rental agreement by providing written notice of termination to the landlord, to be effective on a date stated in the notice that is at least 10 days but not more than 90 days, after the sale date contained in this notice of sale, provided that the mortgagor has not cured the default at the time the tenant provides the notice of termination. Upon termination of a rental agree­ ment, the tenant is liable for rent due under the rental agreement prorated to the effective date of the termination. SUBSTITUTE TRUSTEE SERVICES, INC. SUBSTITUTE TRUSTEE c/o Hutchens Law Firm P.O. Box 1028 4317 Ramsey Street Fayetteville, North Carolina 28311 Phone No: (910) 864­3068 https://sales.hutchenslawfirm.com Firm Case No: 5999 ­ 23109 12168691 11/8, 11/15

22 SP 1841 Under and by virtue of the power of sale contained in a certain Deed of Trust made by Michele E. Allen (Deceased) (PRESENT RECORD OWNER(S): Michele E. Allen) to Southern Law Group, Trustee(s), dated February 5, 2018, and recorded in Book No. 32447, at Page 169 in Mecklenburg County Registry, North Carolina, default having been made in the payment of the promissory note secured by the said Deed of Trust and the undersigned, Substitute Trustee Services, Inc. having been substi­ tuted as Trustee in said Deed of Trust by an instrument duly recorded in the Office of the Register of Deeds Mecklenburg County, North Carolina and the holder of the note evidencing said indebtedness having directed that the Deed of Trust be foreclosed, the undersigned Substitute Trustee will offer for sale at the courthouse door in Charlotte, Mecklenburg County, North Carolina, or the customary location designated for foreclosure sales, at 12:30 PM on November 22, 2022 and will sell to the highest bidder for cash the following real estate situated in Charlotte in the County of Meck­ AMENDED NOTICE OF lenburg, North Carolina, and being FORECLOSURE SALE more particularly described as follows: 18 SP 1785 Being all of Lot 2302 of Holly Under and by virtue of the Ridge, Phase 1, Map 6, as same is power of sale contained in a shown on map thereof recorded in certain Deed of Trust made by Map Book 35 at Page 485 of the Monica Bynum and Oscar Sidney Mecklenburg County Public Bynum, Jr. (PRESENT RECORD Registry. Together with improve­ OWNER(S): Monica Bynum and ments located thereon; said Oscar Sidney Bynum, Jr.) to Laurel property being located at 8158 A. Meyer, Trustee(s), dated April Rudolph Road, Charlotte, North 19, 2017, and recorded in Book Carolina. No. 31733, at Page 911 in Meck­ Parcel # 025­084­06 lenburg County Registry, North Trustee may, in the Trustee’s Carolina, default having been sole discretion, delay the sale for made in the payment of the prom­ up to one hour as provided in issory note secured by the said N.C.G.S. §45­21.23. Deed of Trust and the Should the property be undersigned, Substitute Trustee purchased by a third party, that Services, Inc. having been substi­ party must pay the excise tax, as tuted as Trustee in said Deed of well as the court costs of Trust by an instrument duly Forty­Five Cents ($0.45) per One recorded in the Office of the Hundred Dollars ($100.00) Register of Deeds Mecklenburg required by N.C.G.S. County, North Carolina and the §7A­308(a)(1). holder of the note evidencing said The property to be offered indebtedness having directed that pursuant to this notice of sale is the Deed of Trust be foreclosed, being offered for sale, transfer and the undersigned Substitute Trustee conveyance “AS IS, WHERE IS.” will offer Friday for sale at the courthouse Neither theThanksgiving Trustee nor the holder Day & Black door in Charlotte, Mecklenburg of the note secured by the deed of th County, North Carolina, or the trust/security agreement, or both, Office Closed – November 24 & 25th customary location designated for being foreclosed, nor the officers, foreclosure sales, at 12:30 PM on directors, attorneys, employees, Edition Deadline: November 22, 2022 and will sell to agents or Of: authorized the highest bidder for cash the representative of either the Trustee Wed. Nov 23 or the holder of the note make any following real estate situated in representation or warranty relating Charlotte in the County of Meck­ Nov 24 environ­ Mon. lenburg, Nov 21North at 11:00am to Thur. the title or any physical, Carolina, and being mental, health or safety conditions more particularly described as existing or relating Fri. in, on, at Nov 25 to the follows: property being offered for sale, and All that tract of land and being any and all responsibilities particularly described as Lot Sat. Nov 26 or liabil­ more ities arising out of or in any way 55 of Paw Creek Village, Map 1, relating to any such condition are as recorded Map Book 59 at Sun. Nov 27 Tue. Nov. 22 at in 11:00am expressly disclaimed. Also, this Page 425, Mecklenburg County property is being sold subject to all Records, reference to which is Mon. 28 taxes, special Nov assessments, and hereby craved for a more particular prior liens or prior encumbrances description thereof. Together with Tues. Nov 29 Wed. Nov. 23 at 11:00am of record and any recorded improvements located thereon; releases. Said property is also said property being located at being sold subject to applicable 8315 Paw Valley Lane, Charlotte, Federal and State laws. North Carolina. Parcel ID A deposit of five percent (5%) of Number: 05522225 the purchase price, or seven Trustee may, in the Trustee’s hundred fifty dollars ($750.00), sole discretion, delay the sale for

up to one hour as provided in N.C.G.S. §45­21.23. Should the property be purchased by a third party, that party must pay the excise tax, as well as the court costs of Forty­Five Cents ($0.45) per One Hundred Dollars ($100.00) required by N.C.G.S. §7A­308(a)(1). The property to be offered pursuant to this notice of sale is being offered for sale, transfer and conveyance “AS IS, WHERE IS.” Neither the Trustee nor the holder of the note secured by the deed of trust/security agreement, or both, being foreclosed, nor the officers, directors, attorneys, employees, agents or authorized representative of either the Trustee or the holder of the note make any representation or warranty relating to the title or any physical, environ­ mental, health or safety conditions existing in, on, at or relating to the property being offered for sale, and any and all responsibilities or liabil­ ities arising out of or in any way relating to any such condition are expressly disclaimed. Also, this property is being sold subject to all taxes, special assessments, and prior liens or prior encumbrances of record and any recorded releases. Said property is also being sold subject to applicable Federal and State laws. A deposit of five percent (5%) of the purchase price, or seven hundred fifty dollars ($750.00), whichever is greater, is required and must be tendered in the form of certified funds at the time of the sale. If the trustee is unable to convey title to this property for any reason, the sole remedy of the purchaser is the return of the deposit. Reasons of such inability to convey include, but are not limited to, the filing of a bankruptcy petition prior to the confirmation of the sale and reinstatement of the loan without the knowledge of the trustee. If the validity of the sale is challenged by any party, the trustee, in its sole discretion, if it believes the challenge to have merit, may request the court to declare the sale to be void and return the deposit. The purchaser will have no further remedy. Additional Notice for Residential Property with Less than 15 rental units, including Single‑Family Residential Real Property An order for possession of the property may be issued pursuant to N.C.G.S. § 45­21.29 in favor of the purchaser and against the party or parties in possession by the clerk of superior court of the county in which the property is sold. Any person who occupies the property pursuant to a rental agreement entered into or renewed on or after October 1, 2007, may after receiving the notice of fore­ closure sale, terminate the rental agreement by providing written notice of termination to the landlord, to be effective on a date stated in the notice that is at least 10 days but not more than 90 days, after the sale date contained in this notice of sale, provided that the mortgagor has not cured the default at the time the tenant provides the notice of termination. Upon termination of a rental agree­ ment, the tenant is liable for rent due under the rental agreement prorated to the effective date of the termination. SUBSTITUTE TRUSTEE SERVICES, INC. SUBSTITUTE TRUSTEE c/o Hutchens Law Firm P.O. Box 1028 4317 Ramsey Street Fayetteville, North Carolina 28311 Phone No: (910) 864­3068 https://sales.hutchenslawfirm.com Firm Case No: 1238567 ­ 11148 12170862 11/8, 11/15

indebtedness having directed that the Deed of Trust be foreclosed, the undersigned Substitute Trustee will offer for sale at the courthouse door in Charlotte, Mecklenburg County, North Carolina, or the customary location designated for foreclosure sales, at 12:30 PM on November 22, 2022 and will sell to the highest bidder for cash the following real estate situated in Charlotte in the County of Meck­ lenburg, North Carolina, and being more particularly described as follows: Being all of Lot 100 of Peachtree Estates, Phase 1, Map 1 as shown on a map recorded in Map Book 43, Page 995 in the Office of the Register of Deeds for Mecklenburg County. Together with improvements located thereon; said property being located at 3303 Hendricks Chapel Lane, Charlotte, North Carolina. Trustee may, in the Trustee’s sole discretion, delay the sale for up to one hour as provided in N.C.G.S. §45­21.23. Should the property be purchased by a third party, that party must pay the excise tax, as well as the court costs of Forty­Five Cents ($0.45) per One Hundred Dollars ($100.00) required by N.C.G.S. §7A­308(a)(1). The property to be offered pursuant to this notice of sale is being offered for sale, transfer and conveyance “AS IS, WHERE IS.” Neither the Trustee nor the holder of the note secured by the deed of trust/security agreement, or both, being foreclosed, nor the officers, directors, attorneys, employees, agents or authorized representative of either the Trustee or the holder of the note make any representation or warranty relating to the title or any physical, environ­ mental, health or safety conditions existing in, on, at or relating to the property being offered for sale, and any and all responsibilities or liabil­ ities arising out of or in any way relating to any such condition are expressly disclaimed. Also, this property is being sold subject to all taxes, special assessments, and prior liens or prior encumbrances of record and any recorded releases. Said property is also being sold subject to applicable Federal and State laws. A deposit of five percent (5%) of the purchase price, or seven hundred fifty dollars ($750.00), whichever is greater, is required and must be tendered in the form of certified funds at the time of the sale. If the trustee is unable to convey title to this property for any reason, the sole remedy of the purchaser is the return of the deposit. Reasons of such inability to convey include, but are not limited to, the filing of a bankruptcy petition prior to the confirmation of the sale and reinstatement of the loan without the knowledge of the trustee. If the validity of the sale is challenged by any party, the trustee, in its sole discretion, if it believes the challenge to have merit, may request the court to declare the sale to be void and return the deposit. The purchaser will have no further remedy. Additional Notice for Residential Property with Less than 15 rental units, including Single‑Family Residential Real Property An order for possession of the property may be issued pursuant to N.C.G.S. § 45­21.29 in favor of the purchaser and against the party or parties in possession by the clerk of superior court of the county in which the property is sold. Any person who occupies the property pursuant to a rental agreement entered into or renewed on or after October 1, 2007, may after receiving the notice of fore­ closure sale, terminate the rental agreement by providing written notice of termination to the landlord, to be effective on a date stated in the notice that is at least 10 days but not more than 90 days, after the sale date contained in this notice of sale, provided that the mortgagor has not cured the default at the time the tenant provides the notice of termination. Upon termination of a rental agree­ ment, the tenant is liable for rent due under the rental agreement prorated to the effective date of the termination. SUBSTITUTE TRUSTEE SERVICES, INC. SUBSTITUTE TRUSTEE c/o Hutchens Law th Firm P.O. Box 1028 4317 Ramsey Street Fayetteville, North Carolina 28311 Phone No: (910) 864­3068 https://sales.hutchenslawfirm.com Firm Case No: 1279769 ­ 11371 12170864 11/8, 11/15

Monday 11/21 Turn in at 11am – Tue, Nov 22nd Turn in at 1pm – Wed, Nov 23rd Turn in at 3pm – Thur, Nov 24th

Tuesday 11/22 NOTICE OF FORECLOSURE Turn in at 11am – Fri, Nov 25th SALE Turn in at 1pm – Sat, Nov 26th 19 SP 2760 Under and by virtue of the Turn power in at of3pm – Sun, Nov 27th sale contained in a certain Deed of Trust made by Wednesday 11/23 Alton Hunnicutt and Michelle (PRESENT RECORD Turn Hunnicutt in at 11am – Mon. Nov. OWNER(S): Alton Hunnicutt and 28th

MISSOURI (Deadlines are Above)

Thanksgiving Day & Black Friday Office Closed – November 24th & 25th

Edition Of: Tue.

Nov. 29th

Deadline: Wed. Nov. 23rd at 10:00am

MECKLENBERG TIMES (Deadlines are Above)

Michelle Hunnicutt) to Donald P. Eggleston, Trustee(s), dated January 3, 2006, and recorded in Book No. 19859, at Page 527 in Mecklenburg County Registry, North Carolina, default having been made in the payment of the promissory note secured by the said Deed of Trust and the undersigned, Substitute Trustee Services, Inc. having been substi­ tuted as Trustee in said Deed of Trust by an instrument duly recorded in the Office of the Register of Deeds Mecklenburg County, North Carolina and the holder of the note evidencing said

Wednesday 11/23 Turn in at 12:30pm – Tue. Nov. 29

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on 6/4/2008, a certain Deed of Trust (“Mortgage”) was executed by LOUISE POTTS, “Mortgagor(s)” in favor of BANK OF AMERICA, NA, “Mortgagee” with PRLAP, INC. , “Trustee” and was recorded on 6/9/2008, in Book 23842 , Page 390 in the Official Land Records of Mecklenburg County, North Carolina; and WHEREAS, the Mortgage was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the Mortgage is now owned by the Secretary, pursuant to an assignment dated 12/7/2012 and recorded on 5/30/2013, in Book 28381 , Page 673 in the Official Records of Mecklenburg County, North Carolina; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage in that a Borrower has died and the Prop­ erty is not the principal residence of at least one surviving borrower, and the outstanding balance remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of 3/7/2019, is $116,558.53; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mort­ gage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of me as Foreclosure Commissioner, recorded on 9/7/2022 in Book 37626 , Page 821 , notice is hereby given that on 11/22/2022 at 10am, local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction to the highest bidder: Being all of Lot 36 of Hidden Valley Addition #2 as same is shown on map thereof recorded in Map Book 9 at Page 31 in the Office of the Register of Deeds for Mecklenburg, North Carolina. Commonly known as: 4814 HIDDEN VALLEY ROAD, CHAR‑ LOTTE, NC 28213 Parcel ID number: 08904737 The sale will be held on the steps of the main entrance to the Mecklenburg County Courthouse located at 832 E 4th St, Charlotte, NC 28202. The Secretary of Housing and Urban Development will bid $139,975.67. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders except the Secretary must submit a deposit totaling $13,998.00 , 10% of total bid, in the form of a certified check or cashier’s check made out to the Secretary of HUD. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $13,998.00 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier’s check. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15­day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier’s check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due.

If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commis­ sioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commis­ sioner may, at the direction of the HUD representative, offer the prop­ erty to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mort­ gagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary of HUD, before public auction of the property is completed. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is $116,558.53 as of 3/7/2019, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Fore closure Commissioner’s attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out­of­pocket costs incurred by the Foreclosure Commissioner for recording docu­ ments, a commission for the Fore­ closure Commissioner, and all other costs incurred in connection with the foreclosure prior to rein­ statement. Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. MCMICHAEL TAYLOR GRAY, LLC Foreclosure Commissioner JOHN P. FETNER, NCSB #41811 BRIAN L. CAMPBELL, NCSB #27739 3550 Engineering Drive, Suite 260 Peachtree Corners, GA 30092 Phone: 404.474.7149 Fax: 404.745.8121 NC2022­00764 12163317 11/1, 11/8, 11/15 NOTICE OF SALE IN THE GENERAL COURT OF JUSTICE OF NORTH CAROLINA SUPERIOR COURT DIVISION MECKLENBURG COUNTY 22sp1882 IN THE MATTER OF THE FORE­ CLOSURE OF A DEED OF TRUST EXECUTED BY MICHAEL W. RAY DATED MARCH 26, 2003 AND RECORDED IN BOOK 15070 AT PAGE 356 IN THE MECKLENBURG COUNTY PUBLIC REGISTRY, NORTH CAROLINA Under and by virtue of the power and authority contained in the above­referenced deed of trust and because of default in payment of the secured debt and failure to perform the agreements contained therein and, pursuant to demand of the holder of the secured debt, the undersigned will expose for sale at public auction at the usual place of sale at the Mecklenburg County courthouse at 1:00PM on November 22, 2022, the following described real estate and any improvements situated thereon, in Mecklenburg County, North Carolina, and being more particu­ larly described in that certain Deed of Trust executed Michael W. Ray, dated March 26, 2003 to secure the original principal amount of $103,840.00, and recorded in Book 15070 at Page 356 of the Mecklen­ burg County Public Registry. The terms of the said Deed of Trust may be modified by other instru­ ments appearing in the public