Classified: Foreclosures

 
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  • 10293393

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 10 MULBERRY STREET CLEAR SPRING, MD 21722

    Under a power of sale contained in a certain Deed of Trust from Stephen K. Cook and Carol D. Cook dated January 12, 2007 and recorded in Liber 3202, Folio 737 among the Land Records of Washington County, Maryland, with an original principal balance of $151,518.75, and an original interest rate of 7.700, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $15,000.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293393

  • 10293394

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204 SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 10000 SHIRLEY COURT HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Deborah Phillips dated January 23, 2007 and recorded in Liber 3226, Folio 428 among the Land Records of Washington County, Maryland, with an original principal balance of $296,000.00, and an original interest rate of 7.200, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $29,000.00 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 Washington 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.

    Edward S. Cohn, Stephen N. Goldberg, Richard E. Solomon, Richard J. Rogers, and Ronald S. Deutsch Substitute Trustees

    Mid-Atlantic Auctioneers, LLC 606 Baltimore Avenue, Suite 206 Towson, Maryland 21204 (410) 825-2900 www.mid-atlanticauctioneers.com Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293394

  • 10292178

    Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 11104 SUFFOLK DR. HAGERSTOWN, MD 21742

    Under a power of sale contained in a certain Deed of Trust from Joseph Y. Shia, Vivianne Feng-Chi Yu dated May 31, 2006 and recorded in Liber 3248, Folio 330 among the Land Records of Washington Co., MD, with an original principal balance of $436,000.00 and an original interest rate of 7.000% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Washington Co., at the Court House Door, 95 W. Washington St., Hagerstown, on

    FEBRUARY 24, 2010 AT 1:01 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Washington 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 $52,000 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

    ALEX COOPER AUCTS., INC. 908 YORK RD., TOWSON, MD 21204 410-828-4838

    # 10292178

  • 10291380

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 11915 IROQUOIS AVENUE SMITHSBURG, MD 21783

    Under a power of sale contained in a certain Deed of Trust from Mary B. Winterstine dated July 10, 2007 and recorded in Liber 3450, Folio 271 among the Land Records of Washington County, Maryland, with an original principal balance of $245,000.00, and an original interest rate of 8.500, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 10, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $28,500.00 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 Washington 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.

    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 Adv: Herald-Mail, 1/26, 2/2, 2/9

    # 10291380

  • 10292961

    SUBSTITUTE TRUSTEE'S SALE OF VALUABLE FEE SIMPLE PROPERTY 12435 PLEASANT VALLEY ROAD, SMITHSBURG, MD

    Under and by virtue of the Power of Sale contained in a certain Deed of Trust from Harry William Shrader, Jr., and recorded among the Land Records of Washington County, Maryland in Liber 2883, folio 213; modified at Liber 2973, folio 463; and amended at Liber 3761, folio 495, default having occurred under the terms thereof and at the request of the party secured thereby, I, Kent N. Oliver, Substitute Trustee, authorized to exercise the power of sale in the said Deed of Trust, will offer to sell at public sale in front of the Washington County Court House in Hagerstown, Maryland, on

    TUESDAY, MARCH 2, 2010 at 2:00 p.m.

    All that lot or parcel of ground, together with the improvements thereon, situate and lying in Washington County, Maryland, which consists of a 1-story frame dwelling, Map 40, Parcel 159, containing 28.50 acres, more or less. Being the same property conveyed to Diana Sue Bartles by virtue of a deed from Harry William Shrader, Jr., dated May 29, 2007 and recorded in Liber 3550, folio 673. This property will be sold subject to all conditions, limitations, restrictions, easements, rights of way and appurtenances of record affecting same, if any, as well as such state of facts as an accurate survey or physical inspection of the property might disclose and agreements of record affecting the same. No rent or income from the property shall be collected, adjusted or credited in any fashion for the benefit of the purchaser at the sale by the Substitute Trustee. The Substitute Trustee specifically reserves the right to reject any and all bids and to withdraw the property from the sale as circumstances warrant in his sole discretion. The Substitute Trustee reserves the right by announcement at the sale to vary, modify, alter or qualify any conditions of this sale advertisement. TERMS OF SALE: A certified or cashier’s check of Twenty Five Thousand and 00/100 Dollars ($25,000.00) shall be paid at the time and place of sale, balance in certified funds at settlement which shall be ten (10) days after final ratification of sale by the Circuit Court for Washington County, Maryland, unless said period is extended by the Substitute Trustee, his successors or assigns, for good cause shown, TIME BEING OF THE ESSENCE. Interest at the rate of 10% per annum, shall be paid on the unpaid purchase money from date of sale to date of settlement. If the property is purchased by the lienholder, the lienholder will not be required to pay the deposit or interest on the unpaid purchase price. If the Purchaser fails to go to settlement within ten days of the ratification, the deposit shall be forfeited to the Substitute Trustee. The defaulting Purchaser shall forfeit the deposit and shall pay and all of the expenses of this sale (including attorney fees and full commission on the gross sale price of the sale) which shall be charged against and paid out of the forfeited deposit. Purchaser acknowledges 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 shall be in default. Upon such default, Substitute Trustee may file a Motion and Order to resell the property at the risk and expense of the defaulting Purchaser. Purchaser hereby consents to entry of such resale order without further notice. The defaulting Purchaser 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, water, sewer, and all other public charges and assessments payable on an annual basis shall be adjusted to date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps, transfer taxes, agricultural transfer tax, if any, document preparation, including deed preparation, and title insurance shall be borne by the purchaser. Note: this property is subject to an agricultural land use assessment. In addition, the purchaser shall be responsible for any and all outstanding housing and zoning code violations and subject to any and all environmental problems and violations which may exist on or with respect to the property. 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 Substitute Trustee is 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.

    Kent N. Oliver, Substitute Trustee 28 W. Washington Street Hagerstown, Maryland 21740


    #10292961

  • 10293391

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 126 COLTON COURT SMITHSBURG, MD 21783

    Under a power of sale contained in a certain Deed of Trust from Frederick W. Rowe and Sandra L. Rowe dated September 13, 2004 and recorded in Liber 2444, Folio 0280 among the Land Records of Washington County, Maryland, with an original principal balance of $197,200.00, and an original interest rate of 5.750, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $19,500.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293391

  • 10292353

    BRADFORD I. WEBB, ASSIGNEE ASSIGNEES' SALE OF A SINGLE-FAMILY DWELLING 14740 Big Bend Way Williamsport, MD 21795

    Under and by virtue of the power of sale contained in a certain Mortgage from Gregory C. Wiles and Becky L. Wiles to Farmers Home Administration n/k/a/ Rural Housing Service, U. S. Department of Agriculture dated February 6, 1992 and recorded in Liber 1025, Folio 709 among the Land Records of Washington County, Maryland, the holder of the indebtedness secured by a Mortgage assigned to Bradford I. Webb, Assignee by instrument duly executed, acknowledged and recorded among the Land Records of the County aforesaid, default having occurred under the terms thereof, an Order to Docket having been filed and at the request of the parties secured thereby, the undersigned Assignee will offer for sale at public auction

    AT THE WASHINGTON COUNTY CIRCUIT COURT ON WEDNESDAY, FEBRUARY 17, 2010 AT 10:00 A.M.

    ALL THAT LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Washington County, Maryland and described as follows: Lot No. 1, on a subdivision plat entitled "Preliminary/Final Plat of Subdivision of Lot 1 for Charles Wiles" prepared by Frederick, Seibert & Associates, Inc. dated October 15, 1991 and recorded among the Plat Records of Washington County, Maryland in Plat Folio 3606. The property is improved by a dwelling. In fee-simple. The property and improvements will be sold in an "AS IS" condition and subject to conditions, restrictions and agreements of record affecting same, including building and/or environmental violations, if any, with no warranty, expressed or implied as to the description or condition of the property or improvements. TERMS OF SALE: A cash deposit, certified check or other method of payment acceptable to Assignee, for Five Thousand Dollars ($5,000.00) at the time of sale will be required of all purchasers other than the mortgage holder. Balance of the purchase price is to be paid in cash within ten (10) business days of the final ratification of sale by the Circuit Court for Washington County. If payment of the balance does not take place within ten (10) business days of ratification, the deposit will be forfeited and the property will be resold at the risk and expense of the defaulting purchaser. Unless purchased by the mortgage holder, interest will be paid on unpaid purchase money at the rate of interest set forth in the note from date of sale to date of settlement. Taxes, water rent and ground rent, if any, to be adjusted to date of sale. All other public charges and assessments payable on an annual basis 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 be responsible for removing anyone in possession of the premises. If Assignee is unable to convey good and marketable title, the purchaser's sole remedy in law or in equity shall be limited to a refund of the deposit. Upon refund of the deposit, the sale shall be void and of no effect, and the purchaser shall have no further claim against the Assignee. For further information contact Rural Development, USDA at 301-797-0500.

    BRADFORD I. WEBB, Assignee Telephone Number: [410] 857-3222

    # 10292353

  • 10293392

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 15913 HIBISCUS DRIVE HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from James E. Taylor and Kerry L. Taylor dated May 25, 2006 and recorded in Liber 3141, Folio 540 among the Land Records of Washington County, Maryland, with an original principal balance of $224,000.00, and an original interest rate of 8.950, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $23,000.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293392

  • 10292317

    Law Offices of Jeffrey Nadel 4041 Powder Mill Road, Suite 415 Calverton, Maryland 20705 240-473-5000

    SUBSTITUTE TRUSTEES' SALE OF REAL PROPERTY 16620 Tammany Lane, Williamsport, MD 21795

    Under a power of sale contained in a certain Deed of Trust from Candice P. Snyder and John A. Snyder, dated January 16, 2008, and recorded in Liber 3455, Folio 520 among the Land Records of Washington County, MD, default having occurred under the terms thereof, the Substitute Trustee will sell at public auction at Circuit Court for Washington County, Courthouse Door, 95 W. Washington Street, Hagerstown, MD on

    February 17, 2010 at 11:55 AM

    ALL THAT FEE SIMPLE LOT OF GROUND KNOWN AS LOTS 9 AND 10, IN SECTION 'C', IN THE SUBDIVISION KNOWN AS "SPALDING MANOR", situated in Washington County, MD and more fully described in the aforesaid Deed of Trust, carrying Tax ID No. 26-004217. The property will be sold in an "as is" condition and subject to conditions, restrictions, agreements, easements, covenants and rights of way of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $25,000.00 will be required at the time of sale in the form of cash, certified check, or other form as the Substitute Trustees determine acceptable. No deposit shall be required of the noteholder where the noteholder bids in the property at auction. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Washington County, time being of the essence for purchaser. In the event that settlement does not occur within the said ten days, the purchaser shall be in default. Upon such default the Trustees may file a Motion and Order to Resell the property at the risk and expense of the defaulting purchaser, and purchaser(s) hereby consent to entry of such resale order without further notice, in which case the deposit shall be forfeited and all expenses of this sale (including attorney's fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then readvertise and resell the property at the risk and cost of the defaulting purchaser; or, without reselling the property, the Trustees may avail themselves of any legal or equitable remedies against the defaulting purchaser. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser. Interest to be paid on the purchase money less the stated deposit called for herein, at the rate pursuant to the Deed of Trust Note from the date of auction to the date funds are received in the office of the Substitute Trustee. There shall 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, including but not limited to exceptions to sale, bankruptcy filings by interested parties, Court administration of the foreclosure or unknown title defects. There shall be no adjustment of 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, and same are to be assumed by the purchaser. Cost of all documentary stamps, transfer taxes, agricultural transfer tax, if any 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 damage to the property from the date of auction forward. If the Substitute Trustee does not convey title for any reason, including but not limited to the Secured Party executing a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allowing the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee's prior knowledge, or if the sale is not ratified for any reason including errors made by the Substitute Trustees, the foreclosure sale shall be null and void and of no effect, and the Purchaser's sole remedy in law or in equity shall be the return of the deposit without interest. Further terms and particulars may be announced at time of sale, and purchaser may be required to execute a Memorandum of Sale at the time of auction. 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. (Matter #15321)

    Jeffrey Nadel and Scott Nadel, Substitute Trustees Alex Cooper Auctioneers 908 York Road, Towson, Maryland 21204 410-828-4838

    # 10292317

  • 10291379

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 17732 BLUEBILL DRIVE HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Cesar A. Delgado and Maria Giron dated May 16, 2005 and recorded in Liber 2672, Folio 0308 among the Land Records of Washington County, Maryland, with an original principal balance of $208,000.00, and an original interest rate of 5.375, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 10, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $21,500.00 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 Washington 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.

    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 Adv: Herald-Mail, 1/26, 2/2, 2/9

    # 10291379

  • 10291382

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 1918 ABBEY LANE HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Oleg Borchevski and Tina L. R. Borchevski dated October 28, 2006 and recorded in Liber 3156, Folio 0226 among the Land Records of Washington County, Maryland, with an original principal balance of $161,000.00, and an original interest rate of 7.950, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 10, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $19,000.00 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 Washington 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.

    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 Adv: Herald-Mail, 1/26, 2/2, 2/9

    # 10291382

  • 10291444

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 207 FULTON STREET HANCOCK, MD 21750

    Under a power of sale contained in a certain Deed of Trust from Albert W. Mills and Tina M. Mills dated July 25, 2007 and recorded in Liber 3353, Folio 507 among the Land Records of Washington County, Maryland, with an original principal balance of $126,650.00, and an original interest rate of 9.500, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 10, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $14,000.00 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 Washington 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.

    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 Adv: Herald-Mail, 1/26, 2/2, 2/9

    # 10291444

  • 10292179

    Bierman, Geesing & Ward, LLC 4520 East West Highway, Suite 200 Bethesda, MD 20814 (301) 961-6555

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 219 BRYNWOOD ST. HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Hercules Ballas and Malamo Ballas dated September 29, 2005 and recorded in Liber 2861, Folio 742 among the Land Records of Washington Co., MD, with an original principal balance of $270,350.00 and an original interest rate of 7.375% default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Washington Co., at the Court House Door, 95 W. Washington St., Hagerstown, on

    FEBRUARY 24, 2010 AT 1:00 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and improvements thereon situated in Washington 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 $28,000 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

    ALEX COOPER AUCTS., INC. 908 YORK RD., TOWSON, MD 21204 410-828-4838

    #10292179

  • 10293395

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 237 WEST SIDE AVENUE HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Theodore G. C. Burr and Linda R. Burr dated January 26, 2006 and recorded in Liber 2924, Folio 745 among the Land Records of Washington County, Maryland, with an original principal balance of $120,000.00, and an original interest rate of 7.125, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $12,500.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293395

  • 10293396

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 238 S MULBERRY STREET HAGERSTOWN , MD 21740

    Under a power of sale contained in a certain Deed of Trust from April M. Perez dated July 11, 2005 and recorded in Liber 2759, Folio 215 among the Land Records of Washington County, Maryland, with an original principal balance of $110,400.00, and an original interest rate of 6.375, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $12,000.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293396

  • 10293397

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 25 N MAPLE AVENUE SMITHSBURG, MD 21783

    Under a power of sale contained in a certain Deed of Trust from Tara J. Verdier and Edward K. Burchett dated December 6, 2006 and recorded in Liber 3182, Folio 0493 among the Land Records of Washington County, Maryland, with an original principal balance of $172,800.00, and an original interest rate of 6.000, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 24, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $17,500.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/9, 2/16, 2/23

    # 10293397

  • 10292499

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 533 LIBERTY STREET HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Dorothy E. Culb dated September 16, 2005 and recorded in Liber 2791, Folio 0357 among the Land Records of Washington County, Maryland, with an original principal balance of $156,000.00, and an original interest rate of 5.750, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 17, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $15,500.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/2, 2/9, 2/16

    # 10292499

  • 10292318

    McCabe, Weisberg & Conway, LLC 8101 Sandy Spring Road, Suite 100 Laurel, Maryland 20707 www.mwc-law.com

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 618 KNIGHTSBRIDGE DR. HAGERSTOWN, MD 21740

    Under a power of sale contained in a certain Deed of Trust from Eric B. Jones and Evelyn Jones, dated November 14, 2008 and recorded in Liber 3572, folio 236 among the Land Records of Washington 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 Washington Co., at the Court House Door, 95 W. Washington St., Hagerstown, on

    FEBRUARY 24, 2010 AT 12:55 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND AND THE IMPROVEMENTS THEREON situated in Washington 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 $16,000 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 Washington Co., Maryland. Interest is to be paid on the unpaid purchase price at the rate of 8% 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 #2009-05275)

    Deborah K. Curran, Laura H. G. O'Sullivan, Stephanie H. Hurley, Aaron D. Neal, Substitute Trustees

    ALEX COOPER AUCTS., INC. 908 YORK ROAD, TOWSON, MARYLAND 21204 410-828-4838

    # 10292318

  • 10292477

    COHN, GOLDBERG & DEUTSCH, LLC ATTORNEYS AT LAW 600 BALTIMORE AVENUE SUITE 208 TOWSON, MARYLAND 21204

    SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 13541 ESSEX DRIVE HAGERSTOWN, MD 21742

    Under a power of sale contained in a certain Deed of Trust from Salman Waheed dated August 7, 2006 and recorded in Liber 3077, Folio 597 among the Land Records of Washington County, Maryland, with an original principal balance of $280,000.00, and an original interest rate of 8.750, default having occurred under the terms thereof, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Washington County, on

    February 17, 2010 AT 1:15 PM

    ALL THAT FEE-SIMPLE LOT OF GROUND and the improvements thereon situated in Washington County, 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 same, if any and with no warranty of any kind. Terms of Sale: A deposit of $33,000.00 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 Washington 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.

    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 Adv: Herald-Mail, 2/2, 2/9, 2/16

    # 10292477

 
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