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1. 2/3/2010 Morris/Hardwick/Schneider 6B Nashua Ct. Baltimore, MD 21221 410-284-9600 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 2373 CONVEY DR. MANCHESTER, MD 21102 Under a power of sale contained in a certain Deed of Trust from Douglas Waters and Megan H. Waters, dated April 28, 2006 and recorded in Liber 4857, folio 559 among the Land Records of Carroll Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Carroll Co., at the Old Court House Door, Court St. Side, Westminster, on FEBRUARY 3, 2010 AT 2:11 PM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Carroll Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $29,000 by cash or certified check. Balance of the purchase price to be paid in cash within 10 days of final ratification of the sale by the Circuit Court for Carroll Co. TIME IS OF THE ESSENCE. If purchaser fails to settle within the aforesaid ten (10) days of the ratification, the purchaser agrees to pay the Sub-Trustees' attorney fees of $750.00, plus all costs incurred, if the Sub-Trustees have filed the appropriate motion with the Court to resell the property. Purchaser waives personal service of any paper filed with the Court in connection with such motion and any Show Cause Order issued by the Court and expressly agrees to accept service of any such paper or Order by certified mail and regular mail sent to the address provided by the purchaser and as recorded on the documents executed by the purchaser at the time of the sale. Service shall be deemed effective upon the purchaser 3 days after postmarked by the United States Post Office. It is expressly agreed by the purchaser that actual receipt of the certified mail is not required for service to be effective. If the purchaser fails to go to settlement the deposit shall be forfeited to the Sub-Trustees and all expenses of this sale (including attorney fees and full commission on the gross sales price of the sale) shall be charged against and paid from the forfeited deposit. In the event of resale the defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property regardless of any improvements made to the real property. Interest is to be paid on the unpaid purchase money at the rate of 9.375% per annum from the date of sale to the date the funds are received in the office of the Sub-Trustees. In the event that the settlement is delayed for ANY REASON WHATSOEVER, there shall be no abatement of interest. Taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for the costs of all transfer taxes, documentary stamps and all other costs incident to settlement. Purchaser shall be responsible for physical possession of the property. Purchaser assumes the risk of loss from the date of sale forward. The sale is subject to post sale audit by the Noteholder to determine whether the borrower entered into any repayment/forbearance agreement, reinstated or paid off prior to the sale. In any such event the Purchaser agrees that upon notification by the Sub-Trustees of such event the sale is null and void and of no legal effect and the deposit returned without interest. If the Sub-Trustees are unable to convey either insurable or good and marketable title, or the sale is not ratified for any reason by the Circuit Court including errors made by the Sub-Trustees, the purchaser's sole remedy at law or in equity shall be limited to a refund of the deposit without any interest. Purchaser agrees to pay $275.00 to the Seller's attorney at settlement for review of the settlement documents. Mark H. Wittstadt, Gerard Wm. Wittstadt, Jr., Sub. Trustees CST 1/791 Jan. 19, 26, Feb. 2 227073
2. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE OF VALUABLE LEASEHOLD PROPERTY 905 Middlesex Road Essex, Maryland 21221 In execution of the Deed of Trust dated August 11, 2004 recorded in Liber SM 20570, folio 643, among the Baltimore County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 3, 2010 at 12:20 p.m., in front of the Courthouse for the Circuit Court for Baltimore County, County Courts Building, 401 Bosley Avenue, Towson, Maryland, the following property: Lot 111, Block 4, Section 3, Plat A, Middlesex, Essex, Baltimore County, Maryland and as more particularly described in the Deed of Trust. The property and the improvements thereon will be sold in "as is" physical condition without warranty of any kind and subject to any conditions, restrictions and agreements of record affecting the same and an annual ground rent of $87.00 payable semi annually on the 10th day of February and August in each and every year. TERMS OF SALE: A non-refundable bidder's deposit of $7,000 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 6.50% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (34919) 03-C-09-001719-FC Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees JT 1/792 Jan. 19, 26, Feb. 2 227077
3. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE OF VALUABLE FEE SIMPLE PROPERTY 4120 Slater Avenue Baltimore, Maryland 21236 In execution of the Deed of Trust dated August 25, 2004 recorded in Liber SM 20769, folio 638, among the Baltimore County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 3, 2010, at 12:38 p.m. in front of the Courthouse for the Circuit Court for Baltimore County, County Courts Building, 401 Bosley Avenue, Towson, Maryland, the following property: Lot 35, Fullerton Farms, Baltimore County, Maryland and as more particularly described in the Deed of Trust. The property and the improvements thereon will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $15,000 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 7.10% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (19296)(03-C-09-014065) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees JT 1/793 Jan. 19, 26, Feb. 2 227079
4. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE OF VALUABLE FEE SIMPLE PROPERTY 930 Middle River Road Middle River, Maryland 21220 In execution of the Deed of Trust dated January 24, 2006 recorded in Liber SM 23290, folio 216, among the Baltimore County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 3, 2010, at 12:32 p.m. in front of the Courthouse for the Circuit Court for Baltimore County, County Courts Building, 401 Bosley Avenue, Towson, Maryland, the following property: 930 Middle River Road, Middle River, Baltimore County, Maryland and as more particularly described in the Deed of Trust. TAX ID: 82-22-168 The property and the improvements thereon will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $40,000 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 8.67% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (23419) (03-C-08-013688-FC) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees JT 1/794 Jan. 19, 26, Feb. 2 227082
5. 2/3/2010 Morris/Hardwick/Schneider 6B Nashua Ct. Baltimore, MD 21221 410-284-9600 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 7816 SAINT PATRICIA LA. DUNDALK, MD 21222 Under a power of sale contained in a certain Deed of Trust from Joshua Miller, dated July 29, 2008 and recorded in Liber 27219, folio 407 among the Land Records of Baltimore Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 3, 2010 AT 11:25 AM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $17,000 by cash or certified check. Balance of the purchase price to be paid in cash within 10 days of final ratification of the sale by the Circuit Court for Baltimore Co. TIME IS OF THE ESSENCE. If purchaser fails to settle within the aforesaid ten (10) days of the ratification, the purchaser agrees to pay the Sub-Trustees' attorney fees of $750.00, plus all costs incurred, if the Sub-Trustees have filed the appropriate motion with the Court to resell the property. Purchaser waives personal service of any paper filed with the Court in connection with such motion and any Show Cause Order issued by the Court and expressly agrees to accept service of any such paper or Order by certified mail and regular mail sent to the address provided by the purchaser and as recorded on the documents executed by the purchaser at the time of the sale. Service shall be deemed effective upon the purchaser 3 days after postmarked by the United States Post Office. It is expressly agreed by the purchaser that actual receipt of the certified mail is not required for service to be effective. If the purchaser fails to go to settlement the deposit shall be forfeited to the Sub-Trustees and all expenses of this sale (including attorney fees and full commission on the gross sales price of the sale) shall be charged against and paid from the forfeited deposit. In the event of resale the defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property regardless of any improvements made to the real property. Interest is to be paid on the unpaid purchase money at the rate of 6.5% per annum from the date of sale to the date the funds are received in the office of the Sub-Trustees. In the event that the settlement is delayed for ANY REASON WHATSOEVER, there shall be no abatement of interest. Taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for the costs of all transfer taxes, documentary stamps and all other costs incident to settlement. Purchaser shall be responsible for physical possession of the property. Purchaser assumes the risk of loss from the date of sale forward. The sale is subject to post sale audit by the Noteholder to determine whether the borrower entered into any repayment/forbearance agreement, reinstated or paid off prior to the sale. In any such event the Purchaser agrees that upon notification by the Sub-Trustees of such event the sale is null and void and of no legal effect and the deposit returned without interest. If the Sub-Trustees are unable to convey either insurable or good and marketable title, or the sale is not ratified for any reason by the Circuit Court including errors made by the Sub-Trustees, the purchaser's sole remedy at law or in equity shall be limited to a refund of the deposit without any interest. Purchaser agrees to pay $275.00 to the Seller's attorney at settlement for review of the settlement documents. Mark H. Wittstadt, Gerard Wm. Wittstadt, Jr., Sub. Trustees JT/1/801 Jan. 19, 26 - Feb. 2 227084
6. 2/3/2010 Friedman & MacFadyen, Solicitors 210 E. Redwood Street Baltimore, Maryland 21202 410-685-1763 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 3221 ELBA DRIVE GWYNN OAK, MD 21207 Under a power of sale contained in a certain Deed of Trust from Sahar Begum Ali, dated April 18, 2006 and recorded in Liber 23796, folio 647 among the Land Records of Baltimore Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:34 PM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $24,000 by cash, or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore Co. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. If the purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Sub. Trustees and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) shall be charged against and paid out of the forfeited deposit. Purchaser(s) acknowledge the obligation to settle within ten days of ratification of the foreclosure sale. In the event that settlement does not occur within ten days, the purchaser(s) shall be in default. Upon such default, Sub. Trustees shall file a Motion and Order to resell the property at the risk and expense of the defaulting purchaser(s). Purchaser(s) hereby consent to entry of such resale order without further notice. The defaulting purchaser(s) shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, court administration of the foreclosure or unknown title defects, there shall be no abatement of interest. Taxes, ground rent, water and all public charges including electrical, sanitation and/or metropolitan district charges, if applicable, are to be adjusted for the current year to the date of sale and assumed thereafter by the purchaser. The purchaser is responsible for any amount in excess of $250.00 of outstanding water bills, if any, incurred prior to date of sale. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Sub. Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law and equity shall be limited to a refund of the deposit. Purchaser agrees to pay $295.00 at settlement to seller's attorney for review of the settlement documents. (Matter #541896) Kenneth J. MacFadyen, James J. Loftus, Miriam S. Fuchs, Jeff Huston, Sub. Trustees JT/1/805 Jan. 19, 26 - Feb. 2 227123
7. 2/3/2010 COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE, SUITE 208 TOWSON, MARYLAND 21204 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 929 PRESTWOOD RD CATONSVILLE, MD 21228 Under a power of sale contained in a certain Deed of Trust from James O. Kidd, Jr. and Raquel D. Kidd dated April 18, 2006 and recorded in Liber 0023847, Folio 467 among the Land Records of Baltimore County, Maryland, with an original principal balance of $256,000.00, and an original interest rate of 5.355, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Baltimore County, on February 4, 2010 AT 10:00 AM ALL THAT LEASEHOLD LOT OF GROUND and the improvements thereon situated in Baltimore County, MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property is subject to an annual ground rent of $120.00 each and every year, and will be sold subject to any current or past due ground rent. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting same, if any and with no warranty of any kind. Terms of Sale: A deposit of $26,000.00 by cash or certified funds is required at the time of auction. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore County. Interest to be paid on the unpaid purchase money at the note rate from the date of foreclosure auction to the date funds are received in the office of the Substitute Trustees. In the event settlement is delayed for any reason, there shall be no abatement of interest. Real estate taxes to be adjusted as of the date of foreclosure auction. All other public charges or assessments, including water/sewer charges, ground rent, condo/HOA dues, whether incurred prior to or after the foreclosure auction, and all other costs incident to settlement to be paid by the purchaser. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of foreclosure auction forward. Purchaser agrees to pay to the Sellers' attorneys at settlement, a fee of $295.00 for review of the settlement documents, and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. If the purchaser shall fail to comply with the terms of the sale or fails to go to settlement within ten days of ratification of the sale, the Substitute Trustees may, in addition to any other available legal remedies, declare the entire deposit forfeited and resell the property at the risk and cost of the defaulting purchaser, in which case the purchaser agrees to pay attorneys fees of $1,250.00, plus costs, to the Trustees. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of foreclosure auction. In such event, the defaulting purchaser shall be liable for the payment of any deficiency in the purchase price, all costs and expenses of resale, reasonable attorney's fees, and all other charges due and incidental and consequential damages. The purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. If the Substitute Trustees cannot convey insurable title, the purchaser's sole remedy at law or in equity shall be the return of the deposit. The sale is subject 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, this 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. This property will be sold subject to the IRS right of redemption for a period of 120 days after the sale. Edward S. Cohn, Stephen N. Goldberg, Richard E. Solomon, and Richard J. Rogers Substitute Trustees Mid-Atlantic Auctioneers, LLC 606 Baltimore Avenue, Suite 206 Towson, Maryland 21204 (410) 825-2900 www.mid-atlanticauctioneers.com JT/1/807 Jan. 19, 26 - Feb. 2 227124
8. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE OF VALUABLE FEE SIMPLE PROPERTY 7750 Gough Street Baltimore, Maryland 21224 In execution of the Deed of Trust dated October 4, 2006 recorded in Liber SM 24891, folio 107, among the Baltimore County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 3, 2010 at 12:24 p.m. in front of the Courthouse for the Circuit Court for Baltimore County, County Courts Building, 401 Bosley Avenue, Towson, Maryland, the following property: 7750 Gough Street, Baltimore County, Maryland and as more particularly described in the Deed of Trust. Tax ID: 96-16-165-35 The property and the improvements thereon will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $14,000 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 10.63% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (35341) (03-C-09-014569) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees JT/1/795 Jan. 19, 26 - Feb. 2 227127
9. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE OF VALUABLE FEE SIMPLE PROPERTY 2 Kilmory Court, Unit 24A Baltimore, Maryland 21236 In execution of the Deed of Trust dated June 12, 1996 recorded in Liber SM 11664, folio 171, among the Baltimore County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 3, 2010 at 12:26 p.m. in front of the Courthouse for the Circuit Court for Baltimore County, County Courts Building, 401 Bosley Avenue, Towson, Maryland, the following property: Unit 24-A, Building 24, Section 1, Plat II, Belmont Condominium, Baltimore County, Maryland and as more particularly described in the Deed of Trust. The property and the improvements thereon will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $6,500 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 8.00% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (34576)(03-C-08-013842-FC) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees JT/1/796 Jan. 19, 26 - Feb. 2 227128
10. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE OF VALUABLE FEE SIMPLE PROPERTY 9761 Bon Haven Lane Owings Mills, Maryland 21117 In execution of the Deed of Trust dated October 23, 2007 recorded in Liber SM 26325, folio 688, among the Baltimore County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 3, 2010 at 12:30 p.m. in front of the Courthouse for the Circuit Court for Baltimore County, County Courts Building, 401 Bosley Avenue, Towson, Maryland, the following property: Lot 379, Section Two, The Villages of Winterset, Owings Mills, Baltimore County, Maryland and as more particularly described in the Deed of Trust. The property and the improvements thereon will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $30,500 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 6.125% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (33784) (03-C-08-013687-FC) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees JT/1/797 Jan. 19, 26 - Feb. 2 227131
11. 2/3/2010 Friedman & MacFadyen, Solicitors 210 E. Redwood Street Baltimore, Maryland 21202 410-685-1763 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 8115 SUBET ROAD WINDSOR MILL, MD 21244 Under a power of sale contained in a certain Deed of Trust from Sonya A. Parker, dated October 24, 2007 and recorded in Liber 26393, folio 96 among the Land Records of Baltimore Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:30 PM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $23,500 by cash, or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore Co. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. If the purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Sub. Trustees and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) shall be charged against and paid out of the forfeited deposit. Purchaser(s) acknowledge the obligation to settle within ten days of ratification of the foreclosure sale. In the event that settlement does not occur within ten days, the purchaser(s) shall be in default. Upon such default, Sub. Trustees shall file a Motion and Order to resell the property at the risk and expense of the defaulting purchaser(s). Purchaser(s) hereby consent to entry of such resale order without further notice. The defaulting purchaser(s) shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, court administration of the foreclosure or unknown title defects, there shall be no abatement of interest. Taxes, ground rent, water and all public charges including electrical, sanitation and/or metropolitan district charges, if applicable, are to be adjusted for the current year to the date of sale and assumed thereafter by the purchaser. The purchaser is responsible for any amount in excess of $250.00 of outstanding water bills, if any, incurred prior to date of sale. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Sub. Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law and equity shall be limited to a refund of the deposit. Purchaser agrees to pay $295.00 at settlement to seller's attorney for review of the settlement documents. (Matter #545107) Kenneth J. MacFadyen, James J. Loftus, Miriam S. Fuchs, Jeff Huston, Sub. Trustees JT/1/798 Jan. 19, 26 - Feb. 2 227133
12. 2/3/2010 Friedman & MacFadyen, Solicitors 210 E. Redwood Street Baltimore, Maryland 21202 410-685-1763 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 12338 BONCREST DRIVE REISTERSTOWN, MD 21136 Under a power of sale contained in a certain Deed of Trust from Milton Coles and Amanda Coles, dated November 8, 2007 and recorded in Liber 26410, folio 524 among the Land Records of Baltimore Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:31 PM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $22,500 by cash, or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore Co. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. If the purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Sub. Trustees and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) shall be charged against and paid out of the forfeited deposit. Purchaser(s) acknowledge the obligation to settle within ten days of ratification of the foreclosure sale. In the event that settlement does not occur within ten days, the purchaser(s) shall be in default. Upon such default, Sub. Trustees shall file a Motion and Order to resell the property at the risk and expense of the defaulting purchaser(s). Purchaser(s) hereby consent to entry of such resale order without further notice. The defaulting purchaser(s) shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, court administration of the foreclosure or unknown title defects, there shall be no abatement of interest. Taxes, ground rent, water and all public charges including electrical, sanitation and/or metropolitan district charges, if applicable, are to be adjusted for the current year to the date of sale and assumed thereafter by the purchaser. The purchaser is responsible for any amount in excess of $250.00 of outstanding water bills, if any, incurred prior to date of sale. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Sub. Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law and equity shall be limited to a refund of the deposit. Purchaser agrees to pay $295.00 at settlement to seller's attorney for review of the settlement documents. (Matter #545037) Kenneth J. MacFadyen, James J. Loftus, Miriam S. Fuchs, Jeff Huston, Sub. Trustees JT/1/799 Jan. 19, 26 - Feb. 2 277134
13. 2/3/2010 Friedman & MacFadyen, Solicitors 210 E. Redwood Street Baltimore, Maryland 21202 410-685-1763 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 2216 VAILTHORN ROAD MIDDLE RIVER, MD 21220 Under a power of sale contained in a certain Deed of Trust from David Dean Mitchell, dated September 30, 2008 and recorded in Liber 27391, folio 175 among the Land Records of Baltimore Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:32 PM ALL THAT LEASEHOLD LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property will be sold subject to an annual ground rent of $90. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $15,500 by cash, or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore Co. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. If the purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Sub. Trustees and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) shall be charged against and paid out of the forfeited deposit. Purchaser(s) acknowledge the obligation to settle within ten days of ratification of the foreclosure sale. In the event that settlement does not occur within ten days, the purchaser(s) shall be in default. Upon such default, Sub. Trustees shall file a Motion and Order to resell the property at the risk and expense of the defaulting purchaser(s). Purchaser(s) hereby consent to entry of such resale order without further notice. The defaulting purchaser(s) shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, court administration of the foreclosure or unknown title defects, there shall be no abatement of interest. Taxes, ground rent, water and all public charges including electrical, sanitation and/or metropolitan district charges, if applicable, are to be adjusted for the current year to the date of sale and assumed thereafter by the purchaser. The purchaser is responsible for any amount in excess of $250.00 of outstanding water bills, if any, incurred prior to date of sale. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Sub. Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law and equity shall be limited to a refund of the deposit. Purchaser agrees to pay $295.00 at settlement to seller's attorney for review of the settlement documents. (Matter #544541) Kenneth J. MacFadyen, James J. Loftus, Miriam S. Fuchs, Jeff Huston, Sub. Trustees JT 1/800 Jan. 19, 26 - Feb. 2 227136
14. 2/3/2010 McCabe, Weisberg & Conway, LLC 8101 Sandy Spring Road, Suite 100 Laurel, Maryland 20707 www.mwc-law.com SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 7864 HAROLD RD. DUNDALK, MD 21222 Under a power of sale contained in a certain Deed of Trust from Judith A. Cookson, dated January 6, 2004 and recorded in Liber 19898, folio 488 among the Land Records of Baltimore Co., MD, default having occurred under the terms thereof and at the request of the parties secured thereby, the undersigned Substitute Trustees will offer for sale at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 4, 2010 AT 9:30 AM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Baltimore Co., Maryland and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions, easements, encumbrances and agreements of record affecting the subject property, if any, and with no warranty of any kind. Terms of Sale: A deposit in the form of cashier's or certified check, or in such other form as the Substitute Trustees may determine, at their sole discretion, for $6,000 at the time of sale. If the noteholder and/or servicer is the successful bidder, the deposit requirement is waived. Balance of the purchase price is to be paid within fifteen (15) days of the final ratification of the sale by the Circuit Court for Baltimore Co., Maryland. Interest is to be paid on the unpaid purchase price at the rate of 8.55% per annum from date of sale to the date the funds are received in the office of the Substitute Trustees, if the property is purchased by an entity other than the noteholder and/or servicer. If payment of the balance does not occur within fifteen days of ratification, the deposit will be forfeited and the property will be resold at the risk and cost of the defaulting purchaser. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Taxes, ground rent, water rent, and all other public charges and assessments payable on an annual basis, including sanitary and/or metropolitan district charges to be adjusted for the current year to the date of sale, and assumed thereafter by the purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale. The purchaser shall be responsible for the payment of the ground rent escrow, if required. The purchaser is responsible for any amount in excess of $250.00 for outstanding water bills, if any, incurred prior to the date of sale. Cost of all documentary stamps, transfer taxes, and all settlement charges shall be borne by the purchaser. If the Substitute Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law or equity shall be limited to the refund of the deposit to the purchaser. Upon refund of the deposit, the sale shall be void and of no effect, and the purchaser shall have no further claim against the Substitute Trustees. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser agrees to pay $250.00 at settlement to the attorney for the Substitute Trustees, for review of settlement documents. The purchaser at the foreclosure sale shall assume the risk of loss for the property immediately after the sale. (Matter #2009-00890) Deborah K. Curran, Laura H. G. O'Sullivan, Stephanie H. Hurley, Michelle M. Latta, Substitute Trustees JT/1/802 Jan. 19, 26 - Feb. 2 227152
15. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE 9475 Maera Court Columbia, Maryland 21045 In execution of the Deed of Trust dated September 5, 2006 recorded in Liber MDR 10244, folio 307, among the Howard County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 10, 2010, at 11:14 a.m. at the front of the Howard County Circuit Court, Park Avenue entrance, Ellicott City, Maryland, the following property: Lot 28, Columbia, Village of Oakland Mills, Steven's Forest, Section 5, Area 3, Columbia, Howard County, Maryland and as more particularly described in the Deed of Trust. The property and improvements will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $46,000 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 9.00% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (31656) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees HCT 1/275 Jan. 21, 28, Feb. 4 227187
16. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE 4642 South Leisure Court Ellicott City, Maryland 21043 In execution of the Deed of Trust dated April 19, 2004 recorded in Liber MDR 8283, folio 275, among the Howard County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 10, 2010, at 11:16 a.m. at the front of the Howard County Circuit Court, Park Avenue entrance, Ellicott City, Maryland, the following property: Lot 11, Section 5, Columbia Hills, Ellicott City, Howard County, Maryland and as more particularly described in the Deed of Trust. The property and improvements will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $27,000 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 3.50% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (35621) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees HCT 1/276 Jan. 21, 28, Feb. 4 227191
17. 2/3/2010 Buonassissi, Henning & Lash, P.C. 1861 Wiehle Avenue, Suite 300 Reston, Virginia 20190 (703) 796-1341 TRUSTEE'S SALE 5753 Flagflower Place Columbia, Maryland 21045 In execution of the Deed of Trust dated July 26, 2006 recorded in Liber MDR 10314, folio 505, among the Howard County land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on FEBRUARY 10, 2010, at 11:10 a.m. at the front of the Howard County Circuit Court, Park Avenue entrance, Ellicott City, Maryland, the following property: Lot I-47, Section 1, Area 1, Columbia Village of Longreach, Columbia, Howard County, Maryland and as more particularly described in the Deed of Trust. The property and improvements will be sold in "as is" physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same. TERMS OF SALE: A non-refundable bidder's deposit of $26,500 by cashier's/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 7.10% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier's check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. Real estate taxes to be adjusted as of the date of sale and thereafter assumed by purchaser. All other public charges or public assessments, including but not limited to water, front foot benefit, sewer, sanitary and/or metropolitan district charges, as well as any tax sale amounts, costs and/or attorney's fees, shall be paid by purchaser whether incurred prior to or after the sale. Purchaser shall pay any ground rent escrow and all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser agrees to pay $275 at settlement to sellers' attorney for review of settlement documents as well as a reasonable fee for any other services rendered by sellers' attorney at the request of purchaser or due to purchaser's failure to comply with the terms of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney's fees of both sales. If Trustees do not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser's sole remedy shall be return of deposit without interest. (20624) Joseph V. Buonassissi, II, Richard E. Henning, Jr., Richard A. Lash, Keith M. Yacko, Brian S. McNair, James J. Inabinett, Jr. and David A. Rosen, Substitute Trustees HCT 1/278 Jan. 21, 28, Feb. 4 227196
18. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 10 BIRSAY CT., UNIT #3F BALTIMORE, MD 21236 Under a power of sale contained in a certain Deed of Trust from Susan A. Brown dated June 27, 2003 and recorded in Liber 18351, Folio 142 among the Land Records of Baltimore Co., MD, with an original principal balance of $82,600.00 and an original interest rate of 5.5% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:09 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and described as Unit Numbered Three-F (3-F), being Unit lettered F in Building No. Three (3), in "Belmont Condominium Section 1, Plat 1" and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $8,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/234 Jan. 21, 28, Feb. 4 227200
19. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 1935 QUENTIN RD. BALTIMORE A/R/T/A DUNDALK, MD 21222 Under a power of sale contained in a certain Deed of Trust from Xin Chen dated January 12, 2006 and recorded in Liber 23310, Folio 42 among the Land Records of Baltimore Co., MD, with an original principal balance of $101,500.00 and an original interest rate of 7.37500% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:10 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $10,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/235 Jan. 21, 28, Feb. 4 227201
20. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 13223 EASTERN AVE. BALTIMORE, MD 21220 Under a power of sale contained in a certain Deed of Trust from Mary Ann Dunne dated February 28, 2002 and recorded in Liber 16169, Folio 140 among the Land Records of Baltimore Co., MD, with an original principal balance of $120,115.00 and an original interest rate of 6.75% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:11 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $11,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/236 Jan. 21, 28, Feb. 4 227204
21. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 820 RAMBO CT. HALETHORPE A/R/T/A BALTIMORE, MD 21227 Under a power of sale contained in a certain Deed of Trust from Anna Marie Edwards dated July 25, 2006 and recorded in Liber 24232, Folio 416 among the Land Records of Baltimore Co., MD, with an original principal balance of $104,000.00 and an original interest rate of 6.125% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:12 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $11,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/237 Jan. 21, 28, Feb. 4 227205
22. 2/3/2010 Covahey, Boozer, Devan, & Dore, P.A. Attorneys At Law 606 Baltimore Avenue, Suite 302 Towson, MD 21204 (410) 828-5525 SUBSTITUTED TRUSTEES` SALE OF VALUABLE FEE SIMPLE DWELLING PROPERTY KNOWN AS NO. 4 RAILROAD AVENUE Baltimore, MD 21209 Under and by virtue of the power of sale contained in a certain Deed of Trust from Edward Farrell Irwin to Lawyers Title Realty Srvc Inc A Virginia Corp, Trustee(s), dated September 30, 2004 and recorded among the Land Records of Baltimore County in Liber No. 20887, folio 589, and Declaration of Substitution of Trustees dated October 23, 2009 and recorded among the aforementioned Land Records substituting Thomas P. Dore, Mark S. Devan, Kristen K. Haskins, Gerard F. Miles, Jr. and Shannon Menapace as Substituted Trustees under the Deed of Trust aforesaid, PNC Mortgage, a division of PNC Bank, National Association as successor by merger with National City Real Estate Services being the current holder of the Note(s) secured thereby, and default having occurred under the terms thereof, the undersigned Substituted Trustees will offer for sale at public auction, Courthouse Door, County Courts Building, 401 Bosley Ave, (Bosley Avenue entrance), Towson, Maryland on Wednesday, February 3, 2010 at 9:30 AM. All that lot of ground and the improvements thereon situate in Baltimore County, State of Maryland, as described in the Deed of Trust dated September 30, 2004 and recorded among the land records of Baltimore County, in Liber 20887, folio 589, also being further described in a Deed dated September 30, 2004 and recorded among the land records of Baltimore County in Liber 20887, folio580. The improvements thereon consist of a dwelling. The property will be sold in "AS IS" condition, subject to any existing building violations, etc. and also subject to conditions, restrictions and agreements of record affecting same, if any. Neither the Trustees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property including without limitations, description, use, recorded or unrecorded leases or other occupancy agreements, if any, operating and management agreements, physical conditions or to the environmental conditions of the subject property. The Trustees shall be required to convey insurable title. A Statement of Mortgage Debt has been filed in the foreclosure case in the approximate amount of $224,000.00. TERMS OF THE SALE: Cash or certified check deposit in the amount of $22,500.00 will be required of the purchaser (other than the above-named Holder) at the time and place of sale, balance in cash, immediately within twenty (20) days of the final ratification of the sale by the Circuit Court for Baltimore County, time being of the essence, and to bear interest at the rate of 8.000% per annum from the date of sale to date of settlement. In the event the above-named Holder purchases the property at the sale as the high bidder, no deposit will be required and the requirement of interest on the balance of the purchase price shall be waived. In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, in addition to all other remedies including but not limited to attorney fees, the Substituted Trustees may declare the entire deposit forfeited and resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any deficiency in the purchase price, all costs and expenses of both sales, attorney fees and all other charges due and incidental and consequential damages. Taxes, water/sewer charges and condo/HOA dues, if any, to be adjusted to the date of sale. Ground rent, if any, whether incurred prior to or after the sale to be paid by purchaser. All other public charges and assessments payable on an annual basis, including sanitary and/or metropolitan district charges to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be borne by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property. In the event the Substituted Trustees do not convey title for any reason, purchaser`s sole remedy is return of deposit. The Substituted Trustees shall have the right to terminate this contract in the event the holder has entered into any agreement with or accepted funds from or on the behalf of the mortgagor. Upon termination of the contract, Purchaser`s sole remedy shall be return of the deposit. Purchaser agrees to pay a deed preparation and document review fee of $350.00 to the Seller's attorney and an additional fee of $250.00 for the review of any motion, which may be subsequently filed with the Court to substitute a purchaser herein. Thomas P. Dore, Mark S. Devan, Kristen K. Haskins, Gerard F. Miles, Jr. and Shannon Menapace, Substituted Trustees Tidewater Auctions, LLC (410) 825-2900 - www.tidewaterauctions.com JT/1/816 Jan. 19, 26 - Feb. 2 227207
23. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 532 CHALCOT SQUARE ESSEX A/R/T/A BALTIMORE, MD 21221 Under a power of sale contained in a certain Deed of Trust from Michael Fisher dated July 13, 2005 and recorded in Liber 22543, Folio 88 among the Land Records of Baltimore Co., MD, with an original principal balance of $108,000.00 and an original interest rate of 6.50000% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:13 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $10,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/238 Jan. 21, 28, Feb. 4 227208
24. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 6818 BROMPTON RD. GWYNN OAK A/R/T/A BALTIMORE, MD 21207 Under a power of sale contained in a certain Deed of Trust from Gregory Leon Foster, Jr. dated April 26, 2007 and recorded in Liber 25781, Folio 71 among the Land Records of Baltimore Co., MD, with an original principal balance of $148,000.00 and an original interest rate of 8.000% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:14 PM ALL THAT LEASEHOLD LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property will be sold subject to an annual ground rent of $180. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $17,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/239 Jan. 21, 28, Feb. 4 227210
25. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 255 COLGATE AVE. DUNDALK A/R/T/A BALTIMORE, MD 21222 Under a power of sale contained in a certain Deed of Trust from Michael Goetz dated January 31, 2008 and recorded in Liber 26685, Folio 450 among the Land Records of Baltimore Co., MD, with an original principal balance of $211,450.00 and an original interest rate of 6.00% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:15 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $23,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/240 Jan. 21, 28, Feb. 4 227213
26. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 1925 STANHOPE RD. BALTIMORE, MD 21222 Under a power of sale contained in a certain Deed of Trust from Joseph S. Miceli and Carolyn Miceli dated July 13, 2005 and recorded in Liber 22281, Folio 474 among the Land Records of Baltimore Co., MD, with an original principal balance of $131,000.00 and an original interest rate of 5.50000% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:17 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $13,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/242 Jan. 21, 28, Feb. 4 227216
27. 2/3/2010 Friedman & MacFadyen, Solicitors 210 E. Redwood Street Baltimore, Maryland 21202 410-685-1763 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 8585 DARK HAWK CIRCLE COLUMBIA, MD 21045 Under a power of sale contained in a certain Deed of Trust from Walter Cullum, Jr., dated January 15, 2004 and recorded in Liber 8072, folio 158 among the Land Records of Howard Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Howard Co., at the Court House Door, Court Pl. & Park Ave., Ellicott City, on FEBRUARY 9, 2010 AT 9:45 AM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Howard Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $26,000 by cash, or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Howard Co. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. If the purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Sub. Trustees and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) shall be charged against and paid out of the forfeited deposit. Purchaser(s) acknowledge the obligation to settle within ten days of ratification of the foreclosure sale. In the event that settlement does not occur within ten days, the purchaser(s) shall be in default. Upon such default, Sub. Trustees shall file a Motion and Order to resell the property at the risk and expense of the defaulting purchaser(s). Purchaser(s) hereby consent to entry of such resale order without further notice. The defaulting purchaser(s) shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, court administration of the foreclosure or unknown title defects, there shall be no abatement of interest. Taxes, ground rent, water and all public charges including electrical, sanitation and/or metropolitan district charges, if applicable, are to be adjusted for the current year to the date of sale and assumed thereafter by the purchaser. The purchaser is responsible for any amount in excess of $250.00 of outstanding water bills, if any, incurred prior to date of sale. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Sub. Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law and equity shall be limited to a refund of the deposit. Purchaser agrees to pay $295.00 at settlement to seller's attorney for review of the settlement documents. (Matter #541268) Kenneth J. MacFadyen, James J. Loftus, Lisa Blades, Miriam S. Fuchs, Jeff Huston, Sub. Trustees HCT 1/246 Jan. 21, 28, Feb. 4 227219
28. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 2004 WISPER WOODS WAY WINDSOR MILL A/R/T/A BALTIMORE, MD 21244 Under a power of sale contained in a certain Deed of Trust from Lorraine E. Robinson dated May 17, 2007 and recorded in Liber 25875, Folio 54 among the Land Records of Baltimore Co., MD, with an original principal balance of $145,500.00 and an original interest rate of 8.750% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:19 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $16,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/244 Jan. 21, 28, Feb. 4 227220
29. 2/3/2010 Friedman & MacFadyen, Solicitors 210 E. Redwood Street Baltimore, Maryland 21202 410-685-1763 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 4908 VALLEY VIEW OVERLOOK ELLICOTT CITY, MD 21042 Under a power of sale contained in a certain Deed of Trust from Debra Howser, dated July 25, 2007 and recorded in Liber 10878, folio 404 among the Land Records of Howard Co., MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Howard Co., at the Court House Door, Court Pl. & Park Ave., Ellicott City, on FEBRUARY 9, 2010 AT 9:44 AM ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Howard Co., MD and more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. The property will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind. Terms of Sale: A deposit of $140,500 by cash, or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Howard Co. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. If the purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Sub. Trustees and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) shall be charged against and paid out of the forfeited deposit. Purchaser(s) acknowledge the obligation to settle within ten days of ratification of the foreclosure sale. In the event that settlement does not occur within ten days, the purchaser(s) shall be in default. Upon such default, Sub. Trustees shall file a Motion and Order to resell the property at the risk and expense of the defaulting purchaser(s). Purchaser(s) hereby consent to entry of such resale order without further notice. The defaulting purchaser(s) shall not be entitled to any surplus proceeds or profits resulting from any resale of the property. In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, court administration of the foreclosure or unknown title defects, there shall be no abatement of interest. Taxes, ground rent, water and all public charges including electrical, sanitation and/or metropolitan district charges, if applicable, are to be adjusted for the current year to the date of sale and assumed thereafter by the purchaser. The purchaser is responsible for any amount in excess of $250.00 of outstanding water bills, if any, incurred prior to date of sale. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Sub. Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law and equity shall be limited to a refund of the deposit. Purchaser agrees to pay $295.00 at settlement to seller's attorney for review of the settlement documents. (Matter #540839) Kenneth J. MacFadyen, James J. Loftus, Lisa Blades, Miriam S. Fuchs, Jeff Huston, Sub. Trustees HCT/1/247 Jan. 21, 28, Feb. 4 227221
30. 2/3/2010 Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 6 SPIRIT LA. OWINGS MILLS, MD 21117 Under a power of sale contained in a certain Deed of Trust from Eugeny White dated April 19, 2005 and recorded in Liber 21832, Folio 417 among the Land Records of Baltimore Co., MD, with an original principal balance of $188,100.00 and an original interest rate of 5.9900% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore Co., at the Court House Door, 401 Bosley Ave., (Bosley Ave. Entrance), Towson, on FEBRUARY 5, 2010 AT 1:20 PM ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Baltimore Co., MD and more fully described in the aforesaid Deed of Trust. The property, which is improved by a dwelling, will be sold in an "as is" condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $20,000 in cash, cashiers check or certified check is required at time of sale. Balance of the purchase price, together with interest on the unpaid purchase money at the current rate contained in the Deed of Trust Note from the date of sale to the date funds are received by the Trustees, payable in cash within ten days of final ratification of the sale by the Circuit Court. There will be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of current year real property taxes will be made as of the date of sale and thereafter assumed by the purchaser. All past due property taxes paid by the purchaser. All other public and/or private charges or assessments, including water/sewer charges, ground rent, whether incurred prior to or after the sale, and all other costs incidental to settlement to be paid by the purchaser. All transfer taxes and settlement expenses shall be paid by the Purchaser. Purchaser shall pay all applicable agricultural tax, if any. Purchaser is responsible for obtaining physical possession of the property, and assumes risk of loss or damage to the property from the date of sale. If ratification or settlement is delayed for any reason there shall be no abatement of interest. The sale is subject to post-sale 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, this sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of the deposit without interest. If Purchaser fails to settle within ten days of ratification, he agrees to pay, attorneys' fees in the amount of $750.00, plus costs, if the Trustees have moved to resell the property. Purchaser waives personal service of any paper filed in connection with such a motion on himself and/or any principal or corporate designee, and expressly agrees to accept service of any such paper by regular mail directed to the address provided by said bidder at the time of the sale. If Purchaser defaults under these terms, deposit shall be forfeited. The Trustees may then resell the property at the risk and cost of the defaulting purchaser. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. If Trustees are unable to convey either insurable or marketable title, or if the sale is not ratified by the Circuit Court for any reason, the Purchaser's sole remedy, at law or equity, is the return of the deposit without interest. Purchaser agrees to pay $295.00 at settlement to the Seller's attorney for review of the settlement documents and an additional fee of $295.00 for review of any motion which may be subsequently filed with the Court to substitute a purchaser herein. PLEASE CONSULT WWW.ALEXCOOPER.COM FOR STATUS OF UPCOMING SALES Howard N. Bierman, Jacob Geesing, Carrie M. Ward, Substitute Trustees 1/245 Jan. 21, 28, Feb. 4 227222
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