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LEGALS

LEGAL NOTICE FOR PUBLIC HEARING

Request for Comments and Notice of Public Hearing on Proposed 2015-2017 Alabama
Tombigbee Regional Commission Area Agency on Aging State Plan on Aging. Hearing Dates
and Locations: July 29, 2014, 10:30-11:30 at Jackson Senior Center, 1701 College Ave,
Jackson, Alabama 36545 and July 30, 2014, 10:30-11:30 at West Alabama Senior Center, 500
E Washington St., Demopolis, Alabama 36732.
The Proposed Draft Plan can be viewed by contacting the Area Agency on Aging at 1-888-
617-0500, or can be viewed thirty minutes before hearing dates. Deadline for written comments
is August 15, 2014 at 5:00. Comments can be submitted at hearing, emailed to Delia Brand at
delia.brand@atrc.net, or mailed to Alabama Tombigbee Regional Commission, 107 Broad St.,
Camden, Alabama 36726. 1tc(127wds)

NOTICE OF DEFAULT AND FORECLOSURE SALE

WHEREAS, on December 10, 2008, a certain Mortgage was executed by Ellis E. Reeves and
wife, Lois S. Reeves, as mortgagors, in favor of WAF World Alliance Financial Corp., as mortgagee, and was recorded on December 29, 2008, in DMM Book 1345, Page 21; subsequently
transferred and assigned to Mortgage Electronic Registration Systems, Inc., in, as nominee, for
Bank of America, National Association in Book 1374, Page 140; and further assigned to The
Secretary of Housing and Urban Development in Book 1417, Page 128, in the Office of the
Judge of Probate of Clarke County, Alabama; and
WHEREAS, the Mortgage was insured by the Secretary of Housing and Urban Development
(“the Secretary”) pursuant to the National Housing Act for the purpose of providing single family housing; and
WHEREAS, a default has been made in the covenants and conditions of the Mortgage which
remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to
restore the subject loan to currency; and
WHEREAS, the entire amount delinquent as of May 20, 2014, is $133,809.52; and
WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the
indebtedness secured by the Mortgage to be immediately due and payable;
NOW THEREFORE, pursuant to powers vested in the undersigned by the Single Family
Mortgage Foreclosure Act of 1994 (“the Act”), 12 U.S.C. 3741 et seq., by 24 CFR Part 27,
Subpart B, and by the Secretary’s designation of the undersigned as Foreclosure Commissioner,
by instrument recorded on June 4, 2014 in Book 1439, Page 207, aforesaid records, notice is
hereby given that on August 7, 2014, between the hours of 11:00 A.M. and 4:00 P.M., local
time, all real and personal property at or used in connection with the following described premises (“the Property”) will be sold at public auction to the highest bidder:
Lot 59 of Second Unit of First Addition of Edgewood Estates, and addition to the
Town of Jackson Alabama, Plat of which is recorded in Plat Book 5, Page 8, in the
Office of the Judge of Probate of Clarke County, Grover Hill, Alabama.
Being the same property as conveyed to Ellis Reeves and Los Reeves as recorded
in Book 0937, Page 7 and Mortgage as recorded in Book 1345, Page 21.
Commonly known as: 705 Edgewood Drive, Jackson, AL 36545
The sale will be held at the Clarke County Courthouse, in Thomasville, Alabama. The
Secretary will bid $133,809.52, plus the fees and costs associated with the sale.
There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his/her/their/its prorata share of any real estate taxes that
have been paid by the Secretary to the date of the foreclosure sale.
When making his/her/their/its bids, all bidders, except the Secretary must remit to the undersigned a deposit totaling $13,380.95 (10% of the Secretary’s bid) in the form of a certified check
or cashier’s check made out to the Secretary of HUD. Each oral bid need not be accompanied
by a deposit. If the successful bid is oral, a deposit of $13,380.95 same as 10% must be presented before the bidding is closed. THE DEPOSIT IS NONREFUNDABLE. The remainder of
the purchase price must be delivered within 30 days of the sale or at such other time as the
Secretary may determine for good cause shown, time being of the essence. This amount, like the
bid deposits, must be delivered in the form of a certified or cashier’s check. If the Secretary is
the high bidder, he/she need not pay the bid amount in cash. The successful bidder will pay all
conveyancing fees, all real estate and other taxes that are due on or after the delivery of the
remainder of the payment, and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned.
The Secretary may grant an extension of time within which to deliver the remainder of the
payment. All extensions will be for 15-day increments for a designated fee, paid in advance. The
extension fee shall be in the form of a certified or cashier’s check made payable to the Secretary
of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the
unused portion of the extension fee shall be applied toward the amount due.
If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash
deposit or, at the election of the Foreclosure Commissioner after consultation with the HUD
field office representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD field office representative, offer the
Property to the second highest bidder for an amount equal to the highest price offered by that
bidder.
There is no right of redemption, or right of possession based upon a right of redemption, in
the mortgagor(s) or others, subsequent to a completed foreclosure pursuant to the Act.
Therefore, the Foreclosure Commissioner will issue a deed to the purchaser(s) upon receipt of
the entire purchase price in accordance with the terms of the sale as provided herein. HUD does
not guarantee that the property will be vacant.
The amount that must be paid if the Mortgage is to be reinstated prior to the scheduled sale
is $133,809.52 as of May 20, 2014, plus all other amounts that would be due under the Mortgage
agreement if payments under the Mortgage had not been accelerated, advertising costs and
postage expenses incurred in giving notice, mileage by the most reasonable road distance for
posting notices and or the Foreclosure Commissioner’s attendance at the sale, reasonable and
customary costs incurred for title and lien record searches, the necessary out-of-pocket costs
incurred by the Foreclosure Commissioner for recording documents, a commission for the
Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior
to reinstatement.
Date: June 25, 2014 Jauregui & Lindsey, LLC
Foreclosure Commissioner
By: ________________________________
2110 Devereux Circle, Ste. 100
Birmingham, AL 35243
Phone: (205) 988-8888
Fax: (205) 970-3886

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