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the hr department by ed harrington

Errors: Advertisements should be checked for accuracy by the advertiser on the first day of publication. The newspaper will be responsible for ONLY the first incorrect insertion and only to the extent of the space that the ad requires. The publisher assumes no financial responsibility for errors nor for omission of copy. STYLE WEEKLY reserves the right to revise, reclassify or reject any advertisement.

www.styleweekly.com

For more information Please call 

(804) 270‐6566  

V irginia Home for Boys and Girls       the community resource for foster care 

CARE          TEACH     TRANSFORM 

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fyi

FOR YOUR INFORMATION

feedmore.orgHunger Relief Starts HereVisit our new website today to learn more!

Style Readers Watch Out For This: “Credit Problems? No problem!” No way. A poor credit history takes time to repair, no matter what anybody claims. The Federal Trade Commission says no company can remove accurate or timely information from your credit report. Learn more about managing credit & debt at ftc.gov/credit. A message from Style Weekly and the FTC.

Holiday Shopping Extravaganza. Nov. 19 10a-2p in Midlothian, 3505 Old Hundred Road South, Dozens of vendors to shop and prizes to win. Proceeds benefit www.PunkysPup.bbnow.org

dating

DATINGIt Takes 2...We’ll help you meet just the right one. We are the largest and oldest personalized introduction service catering to professionals in the Richmond area. Call 804-967-9911 for a no-cost consultation.

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pets

arts & literature

ARTISTSAdvertise your Openings, Rent a Studio, Sell Supplies & Much More! Style Weekly is THE voice for Arts & Culture in our area, and Style Classifieds are an inexpensive option for getting your message out! Contact us 804-358-2100 or Classad@styleweekly.com

beauty & fashion

ELECTROLYSISElectrolysis by R.N.

Permanent hair removal. Mary now in Carytown 337-9160.

real estate

REAL ESTATE

“Price & Market Value Experts”

804-337-7515 or 804-337-8317www.mandmkellerteam.com

Register for a $200 gift card at www.cabellchildressgroup.com 804.420.2145

OPEN HOUSERealtors! List your Weekend Open Houses in Style Weekly Classifieds, and reach almost 80,000 area readers! Over 47% of Style readers plan to buy a house & need your help! Prices for Photo Listings start at just $14 per week! Call 804-358-2100 for details.

LOTSWILL TRADE

Single Family lot at:

3610 Rosanell Lane

Richmond, VA

804-240-9177

for rent

CHURCH HILLLarge Room, private bath. 2 closets, utilities included. Nov. 15, $385/mo. 434-882-1034.

employment

SALONSShake It Up - Go SOLO! Become a Salon Owner overnight! 3 weeks Free Rent! Studios available at W. Broad & Midlothian. Call about our 2 NEW LOCATIONS at White Oak Village & Chesterfield Towne Center 804-422-9338www.salonplaza.com

Stylist - Boutique salon.Exp. stylist w/ clientele. $600/ mo. booth rental. 804-337-9160

SALES POSITIONSPart-Time Job, Full Time Pay!!! $14 - $20 Per Hour. Join Capital Remodeling’s Richmond Virginia Promotional Street Team in greeting and scheduling appointments for our Regional Sales Reps. Capital Remodeling is a rapidly growing company with an excellent 20 year + track record that currently provides services in 5 states and counting… Our average part-time employee currently makes between $14 and $20 per hour with some making over $500 weekly part time!!!! Pick your own work schedule among the following shifts: Monday to Friday 4:30pm-8:30pm, Saturdays 10am-2pm,*Perfect position for those looking for a part-time early evening job.We are looking for individuals that are upbeat, well spoken, reliable, and money motivated Job duties include:Greet the neighbors around the jobsites where Capital has recently done work, set up appointments for Free no-obligation estimates, and leave marketing materials about our company. Prior experience in canvassing, sales, or grass roots marketing is a plus, but not required. Corporate training provided.Call us at 804-257-5959 ext. 14 or respond VIA email. Limited Openings.

mind body spirit

SALON/SPA TRAINING

Now Enrolling Students to dream, create, inspire.

723 W. Cary St. 804.225.9725

CHIROPRACTORSGet Your Advertising in Alignment! Make the most of your budget with a low-cost, highly effective ad in our Mind, Body Spirit Classifieds. Contact us for more info on how you can reach almost 80,000 readers every week, for as little as $6 per week: Classad@styleweekly.com 804.358.2100

MASSAGEWould you Enjoy a Weekly Massage at a Deep Discount? Visit cheryljohnsoncmt.com or call 804-541-1619 for details.

Corporate Chair/ Mobile Massage - www.stephaniecole massageplanet.com 921-2636

YOGARichmondPrivateYoga.comRobbie Norris 928-6677

Satisfaction Guaranteed

Inlight YogaYoga & meditation classes and workshops, all levels.

www.InlightYoga.com

Richmond’s Premiere Yoga Studio in Cary Court, 3122 W. Cary St. (804) 359-9642www.yogarichmond.com

home & garden

MASONRY

Masonry Restoration Specialist - Specializing in re-pointing of walls, stoops & steps. Repairing and rebuilding of chimneys. Concrete restoration, patios, brick work. All waterproofing needs. Call Mike, 804 674-0273 or 901-2475. Licensed & Insured.

CARPENTRYSmall job specialist. Free estimates, references. Licensed/Insured. Hobbie Carpentry, 264-4910

Pet Care in your Home• Pets vacation in their own home.

• Bonded & insured adult pet sittersproviding TLC since 1985.

320-4395email: mypets@comcast.net

www.pet-pleasers.com

Pet Care in your Home• Pets vacation in their own home.

• Bonded & insured adult pet sitters providing TLC since 1985.

320-4395

email: mypets@comcast.netwww.pet-pleasers.com

VIRGINIA: IN THE CLASSIFIEDS SECTION OF STYLE WEEKLY

ORDER OF PUBLICATIONWe can save you money on your legal notice advertising! We are court certified in Henrico, Hanover, Chesterfield and the City of Richmond.

Contact Information: Dana ElmquistPhone: 804-358-2100 ext. 338; Fax: 804-358-2163

dana.elmquist@styleweekly.com

t o a d v e r t i s e c a l l ( 8 0 4 ) 3 5 8 - 2 1 0 0 o r e m a i l c l a s s a d @ s t y l e w e e k ly. c o mO

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CROSSWORD

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FOUND ONLINE AT

STYLEWEEKLY.COM

WE APOLOGIZE

FOR ANY

INCONVENIENCE

legal notices

All real estate advertising in this magazine is subject to the Federal Fair Housing Act of 1968 and the Virginia Fair Housing Law, which makes it illegal to advertise “any preference, limitation or discrimination because of race, color, religion, sex, handicap, elderliness, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” Virginia Fair Housing Law also prohibits discrimination advertising based on elderliness. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. Real estate sales, rentals and roommate advertisers should make sure their ads describe the property being offered, not the person they might want in the property. You may express a preference for a male or female roommates. ~The Publisher

TRUSTEE’S SALE OF REAL ESTATE located at 5766 Fox Hunt Trail, Matoaca, Virginia also referred to 5766 Fox Hunt

Trail, Petersburg, VirginiaIn execution of the Deed of Trust from ROB‑ERT W. TRAINOR, JR. dated February 4, 1997, in the Original Principal Amount of $83,027.00, and recorded in Deed Book 2997, Page 296, in the Clerk’s Office of the Circuit Court for the County of Chesterfield, Virginia, default having occurred in the pay‑ment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustees, any one of whom may act, will sell at public auction at the Front Entrance of the Circuit Court for the County of Chesterfield on November 3, 2011, at 1:15 p.m., the property described as Lot 24, Section A, McCormick Woods, County of Chesterfield, Virginia, known as 5766 Fox Hunt Trail, Matoaca, Virginia. Tax ID: 782610898200000TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE AN‑NOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 7,000.00 or 10% of the suc‑cessful bid amount (whichever is lower) will be required immediately of the successful bidder, IN CASH, CASHIER’S CHECK OR CERTIFIED FUNDS ONLY PAYABLE TO “CECIL G. MOORE, TRUSTEE”, balance to be paid within fifteen days from the date of sale. ABSOLUTELY NO PERSONAL CHECKS ACCEPTED AS BIDDER’S DE‑POSIT. Real estate taxes will be adjusted to the date of sale. All cost of conveyance, deed, examination of title, recording charges and the grantor’s tax will be at the cost of the purchaser. All risks of casualty pass to the successful bidder. THIS IS A COMMUNICA‑TION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.DATED: October 6, 2011 CECIL G. MOORE, and JO ANN HUTCHINSON, Substitute Trustee(s)04‑047BF (80.27)For Information Contact Trustees At: 710 Denbigh Boulevard, Ste. 6C, Newport News, Virginia 23608 (757) 877‑0255 between 9:00 ‑ 10:30 a.m. only

TRUSTEE SALE 7525 BELMONT ROAD, CHESTERFIELD, VA 23832 Chesterfield County VA-254506-C In execution of a Deed of Trust in the original principal amount of $275,452.50, with an annual interest rate of 9.63% from HAMPTON WHITE III dated 05/23/2006 recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, VA, in Deed Book 7135, at page 456 (or Instrument No. 36841), default having occurred in the payment of the Note thereby secured and at the request of U.S. BANK NATIONAL ASSOCIATION AS TRUSTEE FOR RASC 2006KS6 the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Chesterfield County Circuit Court, 9500 Courthouse Road, Chesterfield, VA, on 11/18/2011 at 12:00 P.M., the property described in said deed, located at the above address and briefly described as: LOT 7, BLOCK C, SECTION A, LAND-O-PINES SUBDIVISION, COUNTY OF CHESTERFIELD VIRGINIA. TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. com ASAP# 4104597 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 4930 Claybon Lane, Chester, VA 23831. In execution of a certain deed of trust dated February 05, 2007, in the original principal amount of $360,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7620 Page 0958, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Chesterfield County, 9500 Courthouse Road, Chesterfield, Virginia, on November 18, 2011, at 12:02 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN CHESTERFIELD, VIRGINIA, SHOWN AND DESIGNATED AS LOT 4, SECTION 3, ON A SUBDIVISION PLAT MADE BY TIMMONS, ENGINEERS, SURVEYORS, LANDSCAPE ARCHITECTS, ETC., SAID PLAT OF STONEY GLEN SOUTH, DATED NOVEMBER 20, 2002, RECORDED APRIL 18, 2003, IN THE CLERK’S OFFICEM CIRUIT COURT OF CHESTERFIELD, VIRGINIA, IN PLAT BOOK 133, PAGE 46, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE SAID PROPERTY CONVEYED HEREIN..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 114054 ASAP# 4117180 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 220 North Juniper Avenue, IRTA 220 North Jupiter Avenue, Highland Springs, VA 23075. In execution of a certain deed of trust dated May 21, 2004, in the original principal amount of $72,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 3673 Page 1568, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 18, 2011, at 10:03 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN VARINA DISTRICT, HENRICO COUNTY, VIRGINIA, COMMONLY KNOWN AS 220 N. JUNIPER AVENUE, AND DESIGNATED AS LOT 20, BLOCK J, SECTION 3, HIGHLAND SPRINGS, ON PLAT RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 6, PAGE 103-1/2, AND FURTHER DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE NORTHERN LINE OF N. JUNIPER AVENUE 450 FEET EAST OF THE INTERSECTION OF THE NORTHERN LINE OF N. JUNIPER AVENUE WITH THE EASTERN LINE OF WILLOW STREET; THENCE EXTENDING ALONG AND FRONT ON THE NORTHERN LINE OF N. JUNIPER AVENUE 50 FEET; THENCE EXTENDING BACK NORTHWARDLY FROM SAID FRONT 120 FEET BETWEEN PARALLEL LINES TO AN ALLEY IN REAR..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 87868 ASAP# 4117171 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 3123 Alvis Avenue, Richmond, VA 23222. In execution of a certain deed of trust dated April 16, 2004, in the original principal amount of $77,100.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 040012625, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Richmond, John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 18, 2011, at 11:02 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE IMPROVEMENTS THEREON AND THE APPURTENANCES THERETO BELONGING, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, KNOWN AS 3123 ALVIS AVENUE, RICHMOND, VIRGINIA, ALL AS MORE PARTICULARLY SHOWN ON PLAT OF SURVEY MADE BY FRANK F. POTTS, JR. AND ASSOCIATES, REGISTERED LAND SURVEYOR, DATED OCTOBER 13, 1981, WHICH WAS RECORDED WITH THE DEED RECORDED IN DEED BOOK 788, PAGE 1125, REFERENCE TO WHICH IS MADE FOR A MORE PARTICULAR DESCRIPTION OF THE REAL ESTATE HEREIN CONVEYED..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 115169 ASAP# 4116284 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 8604 Ashbury Hills Terrace, Richmond, VA 23227. In execution of a certain deed of trust dated September 27, 2005, in the original principal amount of $450,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 3976 Page 1903, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 18, 2011, at 10:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN HENRICO COUNTY, VIRGINIA KNOWN AND DESIGNATED AS LOT 11, BLOCK B, SECTION 1, ASHBURY AT STONELEIGH, ALL AS SHOWN ON RECORDED SUBDIVISION PLAT BY QMT CIVIL ENGINEERS & CONSTRUCTION MANAGERS DATED FEBRUARY 6, 2004 RECORDED JANUARY 20, 2005 IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA IN PLAT BOOK 121 PAGES 3-6..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 117040 ASAP# 4117175 10/26/2011, 11/02/2011

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Trustee’s Sale6405 Morningside Drive,

Richmond, Virginia 23226(Tax ID No. 769-740-2884)

Default having been made in the terms of a certain Deed of Trust dated July 24, 2006, in the original principal amount of $92,337.00 and recorded in the Clerk’s Of-fice of the Circuit Court of the County of Henrico, Virginia in Deed Book 4182, Page 0903, the undersigned Substitute Trustees, will sell at public auction on November 2, 2011, at 10:00 a.m., in front of the build-ing housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated Lot 10, Block D, Plan of Westwood Terrace, Section 5, all as more particularly shown on a certain plat of survey dated February 23, 1951, and re-corded in the aforesaid Clerk’s Office in Plat Book 23, Page 13.

Sale is subject to all prior liens, (including the lien of a prior Deed of Trust) easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $9,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held dur-ing the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be ac-cepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trust-ees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 91360, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale4917 Park Avenue,

Richmond, Virginia 23226(Tax ID No. W0190197002)

Default having been made in the terms of a certain Deed of Trust dated December 14, 2004, in the original principal amount of $235,800.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 050000780, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 11:15 a.m., in front of the building housing the Circuit Court of the City of Richmond, 400 North 9th Street, at the entrance facing Clay Street (8th and Clay Streets), Richmond, VA, the property designated as Lots Nos. 3 and 4 in Block B, on the map of the Patterson Property, which is of record in the Clerk’s Office, Circuit Court of Henrico County, Virginia, in Plat Book 12, page 37, and as more particularly described in the afore-said Deed of Trust. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $23,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bid-ders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glas-serlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 87820, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE SALE 5308 PARKER STREET, RICHMOND, VA 23231 Richmond City VA-274818-C In execution of a Deed of Trust in the original principal amount of $104,800.00, with an annual interest rate of 5.38% from LAURIE A FREEBURN AND PAUL D FREEBURN dated 09/22/2006 recorded in the Clerk’s Office of the Circuit Court of Richmond City, VA, in Deed Book NA, at page NA (or Instrument No. 060033280 ), default having occurred in the payment of the Note thereby secured and at the request of BANK OF AMERICA, NATIONAL ASSOCIATION AS SUCCESSOR BY MERGER TO LASALLE BANK NATIONAL ASSOCIATION AS TRUSTEE FOR RAMP 2007RP3 the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Richmond Circuit Court, 400 North Ninth Street, John Marshall Courts Building, Richmond, VA, on 11/04/2011 at 11:00 A.M., the property described in said deed, located at the above address and briefly described as: ALL THOSE CERTAIN TWO LOTS OR PARCELS, LYING AND BEING IN THE COUNTY OF HENRICO, VIRGINIA, (NOW CITY OF RICHMOND), IN THE PLAN KNOWN AS POWHATAN PLACE, OF RECORD IN THE CLERK’S OFFICE OF THE CIRCUIT COURT, HENRICO COUNTY. VIRGINIA, IN PLAT BOOK 11, PAGE 25, AND BEING KNOWN AS LOTS 6 AND 7, IN BLOCK 5, IN SAID PLAT, SAID PLATS FRONTING; SEVENTY (70) FEET ON THE WEST LINE OF PARKER STREET (FORMERLY MONTGOMERY AVENUE), AND EXTENDING BACK BETWEEN LINES. ONE OF WHICH IS 164.01 FEET AND THE OTHER IS 161.50 FEET RESPECTIVELY, THE THE FIRST OF WHICH IS THE LINE NEAREST WINCHELL STREET (FORMERLY WYTHE STREET). TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. com ASAP# 4091861 10/19/2011, 10/26/2011

TRUSTEE SALE 5208 CASTLEWOOD RD, RICHMOND, VA 23234-6740 Chesterfield County VA1100034432 * In execution of a Deed of Trust in the original principal amount of $55,200.00, with an annual interest rate of 8.48% from NICOLE R. JOHNSON dated 10/06/2005 recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, VA, in Deed Book 6709, at page 805 (or Instrument No. 72229), default having occurred in the payment of the Note thereby secured and at the request of Bank of America, National Association as successor by merger to LaSalle Bank National Association as Trustee RAMP 2007RP1 the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Chesterfield County Circuit Court, 9500 Courthouse Road, Chesterfield, VA, on 11/04/2011 at 12:00 P.M., the property described in said deed, located at the above address and briefly described as: THAT CERTAIN PROPERTY AND ALL INTEREST IN THE GENERAL AND LIMITED COMMON ELEMENTS INCIDENT THERETO SITUATED IN THE COUNTY OF CHESTERFIELD, VIRGINIA AND DESCRIBED AS ALL THE CONDOMINIUM UNIT NO. 5208-D, INCLUDING, BUT NOT LIMITED TO, LIMITED COMMON ELEMENT PARKING SPACE NO. 08-D, IN TREETOP CONDOMINIUM, AS DEFINED AND DESCRIBED IN THE DECLARATION DATED SEPTEMBER 6. 1985, IN THE CLERK’S OFFICE, CIRCUIT COURT, COUNTY OF CHESTERFIELD, VIRGINIA, IN DEED BOOK 1725, PAGE 1233 ALL AS AMENDED BY FIRST AMENDMENT TO DECLARATION WITH EXHIBIT F AND REVISED EXHIBIT B-l THERETO ATTACHED DATED FEBRUARY 4, 1986, AND RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY. VIRGINIA, IN DEED BOOK 1752, PAGE 958. TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. comASAP# 4091891 10/19/2011, 10/26/2011

Trustee’s Sale2500 Drammen Place,

Richmond, Virginia 23233(Tax ID No. 728-757-8906)

Default having been made in the terms of a certain Deed of Trust dated April 25, 2006, in the original principal amount of $200,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 4116 at Page 1470, the undersigned Substitute Trustees, will sell at public auction on November 16, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated as LOT 17, BLOCK J, SECTION D, of THE COLONIES AT WILDE LAKE, as shown on a certain plat entitled “The Colonies at Wilde Lake, Section D, Tuckahoe District, Henrico County, Virginia”, dated April 18, 1988, and recorded in the aforesaid Clerk’s Office in Plat Book 87 pages 101 and 102. Sale is subject to all prior liens (including the lien of a prior Deed of Trust), easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $20,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92646, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale13460 Lower Lakes Place, Ashland, Virginia 23005

(Tax ID No. 7850-34-4420)

Default having been made in the terms of a certain Deed of Trust dated November 2, 2005, in the original principal amount of $592,534.50 and recorded in the Clerk’s Office of the Circuit Court of the County of Hanover, Virginia in Deed Book 2615, at Page 271, the undersigned Substitute Trustees, will sell at public auction on November 16, 2011, at 8:45 a.m., in front of the building housing the Hanover County Circuit Court, Hanover Courthouse, 7507 Library Drive, Hanover, VA, the property designated as Lot 3, Section 2 of Lakeview Estates, as shown on the subdivision Plat dated September 7, 1999, last revised February 3, 2000, and entitled “Lakeview Estates, Section 2”, which plat was recorded March 31, 2000, in the aforesaid Clerk’s Office in Subdivision Plat Book 8, Pages 414-419. TOGETHER WITH a non-exclusive right to use the 50’ Private Access Easement for ingress and egress to and from Lot 5 and State Route 657 - Greenwood Church Road, all as shown on those certain Subdivision Plats recorded in the aforesaid Clerk’s Office in Subdivision Plat Book 8, Pages 353-353a and Plat Book 8, Pages 414-419. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $59,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 93007, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE SALE 5106 TIMBERCREEK COURT, RICHMOND, VA 23237 Chesterfield County VA-270965-C In execution of a Deed of Trust in the original principal amount of $157,500.00, with an annual interest rate of 3.25% from SERGIO TAVERAS dated 06/23/2005 recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, VA, in Deed Book 6488, at page 271 (or Instrument No. 44875), default having occurred in the payment of the Note thereby secured and at the request of U.S. BANK NATIONAL ASSOCIATION AS TRUSTEE FOR RAMP 2005EFC3 the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Chesterfield County Circuit Court, 9500 Courthouse Road, Chesterfield, VA, on 11/18/2011 at 12:00 P.M., the property described in said deed, located at the above address and briefly described as: LOT 47, ASHTON WOODS SOUTH, DALE DISTRICT, CHESTERFIELD COUNTY, VIRGINIA. TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. com ASAP# 4104594 10/26/2011, 11/02/2011

NOTICE OF TRUSTEE’S SALE

85.1 +/- Acres – Hanover County 14635 Blunts Bridge Rd

Doswell, VA Tax Identification Number 7861-68-7436

In execution of a Deed of Trust in the original principal amount of $480,000 dated March 14, 2008 and recorded at Deed Book 2909, Page 3074 in the Clerk’s Office of the Circuit Court of the County of Hanover, Virginia, default having occurred in the payment of the Note thereby secured and at the request of the holder of the Note, the undersigned Substitute Trustee will on November 18, 2011, at 10:10 a.m., offer for sale at public auction to the highest bidder the property described in said Deed of Trust, which property, according to Hanover County records, shares a street address of 14635 Blunts Bridge Rd, Doswell, VA with another property and which property, described in the Deed of Trust:

is described therein as all that certain tract, piece or parcel of land lying in Beaver Dam District of Hanover County, VA, bounded on the north by the lands of the Old Dominion Excelsior Company, on the east by the lands of A.E. Spivey and a branch running between the lands herein conveyed and the remaining lands of the said George Smeeman and on the south and west by the South Anna River, together with a right of way more fully described in such Deed of Trust, such land described in the Deed of Trust as being 75 acres, more or less, but which is shown as 85.1 acres, plus or minus, on a plat dated May 31, 2011 and filed in the Clerk’s Office of the Circuit Court of Hanover County as Instrument No. 20110718000078720 on July 18, 2011 at Plat Book 40, page 297 (Tax Identification Number 7861-68-7436).

The sale will occur at the property at 14635 Blunts Bridge Rd, Doswell, VA 23047.

Terms: A deposit of $15,000 or 10% of purchase price, whichever is lower, by cash, cashier’s check or certified check shall be required of any bidder, other than the Noteholder, prior to the sale. Closing within fifteen (15) days of sale. Time is of the essence. Deposits, without interest, will be applied to the purchase price at settlement or returned to the unsuccessful bidder, as applicable. The balance of the purchase price will be due by certified check or by immediately available funds at settlement. Upon purchaser’s default, the deposit shall be forfeited and the property shall be resold at the risk and costs of the defaulting purchaser. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Additional terms will be announced at the time of the sale. The purchaser shall be required to sign a Memorandum of Sale incorporating all the terms of the sale.

ROBERT F. MOORMAN SUBSTITUTE TRUSTEEFOR INFORMATION CONTACT:Robert F. Moorman, 1427-A West Main Street, Richmond, VA 23220Telephone: (804) 938-5144

Ad Dates:October 26, 2011November 2, 2011November 9, 2011

November 16, 2011

TRUSTEE’S SALE OF14635 BLUNTS BRIDGE ROAD

Doswell, Virginia(Containing 12.86 acres, more or less, with improvements)

Tax Identification Number 7861-88-3038

Pursuant to the terms of a deed of trust dated July 9, 2009, in the original principal amount of $662,000.00, recorded in the Clerk’s Office, Circuit Court for the County of Hanover, Virginia, as Instrument Number 20090714000117030, the property briefly described below will be offered for sale at public auction.

Parcel 2 containing 12.86 acres, more or less, on that certain plat entitled “Plat of two parcels of land located on the Northern Side of South Anna River and the Western Line of Blunts Bridge Road in South Anna District”, as the same is duly dedicated, platted and recorded in Plat Book 37 at page 425, among the land records for the County of Hanover, Virginia, as more particularly described in the referenced Deed of Trust, (the “Property”). Tax Identification Number 7861-88-3038 The sale will take place on November 18, 2011 at 10:00 a.m. at the property address, 14635 Blunts Bridge Road, Doswell, Virginia 23047.

Terms: A deposit in the form of cash, cashier’s check or certified check in the amount of $30,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder, other than the Noteholder, at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose.

F & M Services, L.C., Substitute Trustees

FOR INFORMATION CONTACT:Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804) 288-0088Ref# 231127

Ad dates:October 26, 2011November 2, 2011November 9, 2011November 16, 2011

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TRUSTEE’S SALE OF 4130 Market Road, Mechanicsville, VA 23111. In execution of a certain deed of trust dated September 28, 2004, in the original principal amount of $182,547.00 recorded in the Clerk’s Office, Circuit Court for Hanover County, Virginia, in Deed Book 2398 Page 436, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Hanover County, 7501 Library Drive, Hanover, Virginia, on November 18, 2011, at 9:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN PARCEL OF LAND, LYING AND BEING IN HANOVER COUNTY, VIRGINIA, CONTAINING 3.00 ACRES, AS MORE PARTICULARLY SHOWN AS PARCEL “C” ON A CERTAIN PLAT OF SURVEY BY F.T. SEARGENT, CERTIFIED SURVEYOR, ENTITLED “COMPILED MAP SHOWING 3 PARCELS OF LAND CONTAINING 11.26 ACRES IN HANOVER COUNTY, VIRGINIA”, A COPY OF WHICH IS ATTACHED TO AND MADE A PART OF THAT CERTAIN DEED RECORDED IN DEED BOOK 431, PAGE 603..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post- sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 136354 ASAP# 4109126 10/19/2011, 10/26/2011

TRUSTEE’S SALE OF 9058 Aldingham Place, Mechanicsville, VA 23116. In execution of a certain deed of trust dated April 09, 2008, in the original principal amount of $304,500.00 recorded in the Clerk’s Office, Circuit Court for Hanover County, Virginia, in Deed Book 2913 Page 857, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Hanover County, 7501 Library Drive, Hanover, Virginia, on November 04, 2011, at 9:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN CHICKAHOMINY DISTRICT, HANOVER COUNTY, VIRGINIA, DESIGNATED AS LOT 4, BLOCK A, SECTION TWO, ASHCREEK, ALL AS MORE PARTICULARLY SHOWN ON PLAT MADE BY J.E. TIMMONS & ASSOCIATES, P.G., DATED JUNE 13, 1994, RECORDED JULY 25, 1994, IN THE CLERK’S OFFICE, CIRCUIT COURT, HANOVER COUNTY, VIRGINIA, IN SUBDIVISION PLAT BOOK 7, PAGE 320, AND TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 136084 ASAP# 4112101 10/19/2011, 10/26/2011

TRUSTEE’S SALE OF 5115 Meadows Run, Richmond, VA 23223. In execution of a certain deed of trust dated June 26, 2009, in the original principal amount of $157,712.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4674 Page 0560, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 04, 2011, at 10:02 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT IN FAIRFIELD DISTRICT, HENRICO COUNTY, VIRGINIA, DESIGNATED AS LOT 8, BLOCK B, SECTION C, TIFFANY MEADOWS SUBDIVISION, PLAT OF WHICH IS RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 73, PAGE 54, REFERENCE TO WHICH IS MADE FOR A MORE PARTICULAR DESCRIPTION OF SUCH LOT..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 135970 ASAP# 4112104 10/19/2011, 10/26/2011

Public Notice – Environmental Regulation

NOTICE OF ACTION: The State Water Control Board is considering the amendment of a regulation and the repeal of a regulation on water quality. PuRPOSE OF NOTICE: To seek public comment through the Department of Environmental Quality on 1) the proposal 2) the costs and benefits of the proposal 3) effects of the proposal on farm and forest land preservation and 4) impacts on small businesses. PuBlIC COmmENT PERIOD: October 24, 2011 to December 27, 2011PuBlIC hEARINg: Department of Environmental Quality, Conference Room A, Second Floor at 629 East main Street, Richmond, VA 23219 on December 1, 2011 at 1:30 p.m. An informal question and answer period will be held one half hour prior to the public hearing at the same location for interested citizens to ask questions pertaining to the proposal and repeal. PuBlIC COmmENT STAgE: Notice of Public CommentREgulATION NAmE: general Virginia Pollutant Discharge Elimination System (VPDES) Permit for Vehicle Wash Facilities and laundry Facilities (0VAC25-194) and general Virginia Pollutant Discharge Elimination System (VPDES) Permit for Coin-Operated laundries (9VAC25-810)DESCRIPTION OF PROPOSED REgulATION: This rulemaking proposes to replace and update VAg75 (the VPDES car wash general permit) which expires October 16, 2012 and combine into this permit VAg72 (the VPDES coin-operated laundry general permit) which expires February 8, 2016. A secondary action associated with this rulemaking is the repeal of the VPDES coin-operated laundry general permit since the requirements of that permit (VAg72) are being incorporated into VAg75. The general permit will establish limitations and monitoring requirements for point source discharge of treated wastewaters from vehicle wash facilities and laundry facilities to surface waters. Significant amendments to 9VAC25-194 are to expand coverage to include more types of vehicle washing activities, added three reasons authorization to discharge cannot be granted (if the discharge violates the antidegradation policy in the Water Quality Standards at 9VAC25-260-30, if an approved TmDl contains a WlA for the facility or if central wastewater treatment facilities are reasonably available), added language to allow for ‘administrative continuances’ of coverage, added effluent limits pages for laundries and combined laundry and vehicle wash facilities and added five new special conditions.lOCAlITy PARTICulARly AFFECTED: The regulation will be applicable statewide and will not affect any one locality disproportionately. hOW TO COmmENT: DEQ accepts written comments by e-mail, fax and postal mail. All written comments must include the full name and address of the person commenting and be received by DEQ no later than the last day of the comment period. Both oral and written comments are accepted at the public hearing. In addition, the public may submit written comments through the public forum feature of the Virginia Regulatory Town hall web site. DEQ prefers that comments, including a copy of supporting documents or exhibits, be submitted in writing. All testimony, exhibits and documents received are part of the public record. more detailed information on the proposal is available at the Town hall website at www.townhall.virginia.gov and by contacting the DEQ representative named below. The public may review the documents at the following location: Department of Environmental Quality, 629 East main Street, Richmond, VA 23219CONTACT FOR PuBlIC COmmENTS, DOCumENT REQuESTS AND ADDITIONAl INFORmATION: Elleanore Daub, Office of Water Permits and Compliance Assistance at 629 East main Street, Richmond, VA 23219; Phone: (804) 698-4111; E-mail: elleanore.daub@deq.virginia.gov; Fax: (804) 698-4032.

Trustee’s Sale20821 Beaver Dam Road, Beaverdam,

Virginia 23015(Tax ID No. 7817-36-0822)

Default having been made in the terms of a certain Deed of Trust dated July 5, 2006, in the original principal amount of $197,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Hanover, Virginia in Deed Book 2733, at Page 427, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 8:45 a.m., in front of the building housing the Hanover County Circuit Court, Hanover Courthouse, 7507 Library Drive, Hanover, VA, the property designated as Lot Three (3), on that certain subdivision plat dated September 23, 1992, entitled, “TYLER STATION SUBDIVISION SECTION THREE BEAVERDAM DISTRICT, HANOVER COUNTY, VIRGINIA,” which was recorded in the aforesaid Clerk’s Office in Plat Book 7, Page 186. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $19,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 93494, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale2519 Kenwood Avenue,

Richmond, Virginia 23228(Tax ID No. 779-747-3973)

Default having been made in the terms of a certain Deed of Trust dated October 26, 2006, in the original principal amount of $109,549.33 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 4241, Page 2030, the undersigned Substitute Trustees, will sell at public auction on No-vember 9, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated Lot 4, in Block 9 in the plan of Hermit-age Park, as shown on plat recorded in the aforesaid Clerk’s Office in Plat Book 12, Pages 43 and 44.Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $10,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclo-sure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be pre-pared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Build-ing, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 88917, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE’S SALE OF 609 West Cary Street, Richmond, VA 23220. In execution of a certain deed of trust dated January 17, 2007, in the original principal amount of $484,800.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 070002538, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Richmond, John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 18, 2011, at 11:05 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OF LAND, WITH IMPROVEMENTS THEREON, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, ON THE SOUTH SIDE OF CARY STREET, BETWEEN BELVIDERE AND PINE STREET, BEGINNING THEREON AT A POINT ABOUT ONE HUNDRED AND FIFTEEN FEET SIX AND 3/4 INCHES WEST OF THE WESTERN LINE OF BELVIDERE STREET AS SHOWN BY A PLAT MADE BY T. CRAWFORD REDD AND BRO. ON THE 15TH DAY OF DECEMBER 1990, AND FILED WITH PAPERS IN THE SUIT OF CHARLES D. GLENN VS W. PERCY GLENN AND ALS (COPY RECORDED IN DEED BOOK 169A, PAGE 445), THENCE SOUTHWARDLY AT RIGHT ANGLES TO CARY STREET ONE HUNDRED AND TWENTY-SEVEN FEET, MORE OR LESS TO THE NORTHERN LINE OF AN ALLEY IN COMMON FIFTEEN FEET WIDE, AND THENCE AT RIGHT ANGLES WESTWARDLY ALONG THE NORTHERN LINE OF THE SAID ALLEY FORTY-SIX FEET THREE AND ONE-HALF INCHES, THENCE AT RIGHT ANGLES SOUTHWARDLY ALONG THE WESTERN LINE OF AN ALLEY ELEVEN AND ONE-HALF FEET WIDE, EIGHTY FEET NINE INCHES, MORE OR LESS, THENCE AT RIGHT ANGLES WESTWARDLY ELEVEN FEET TWO INCHES, THENCE AT RIGHT ANGLE NORTHWARDLY TWO HUNDRED AND NINE FEET INCHES, MORE OR LESS TO THE SOUTHERN LINE OF CARY STREET, THENCE ALONG THE SOUTHERN LINE OF CARY STREET FIFTY SEVEN FEET NINE INCHES, MORE OR LESS, TO THE POINT OF BEGINNING. LESS AND EXCEPT THAT PARCEL OF LAND SHOWN AS “PARCEL B” ON A PLAT OF SURVEY MADE BY A.G. HAROCOPOS & ASSOC, P.C., DATED APRIL 11, 1985 RECORDED IN DEED BOOK 38, PAGE 576, CONVEYED BY DEED BY AND BETWEEN THE SIEWERS FAMILY PARTNERSHIP AND J.W. HARMAN, JR., AND THOMAS M. HINNANT, DATED APRIL 23, 1985 IN DEED BOOK 38, PAGE 574..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 137049 ASAP# 4116274 10/26/2011, 11/02/2011

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TRUSTEE’S SALE OF 6332 Queens Lace Road, Mechanicsville, VA 23111. In execution of a certain deed of trust dated November 13, 2009, in the original principal amount of $180,250.00 recorded in the Clerk’s Office, Circuit Court for Hanover County, Virginia, in Instrument No. 20091210000194140, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Hanover County, 7501 Library Drive, Hanover, Virginia, on November 18, 2011, at 9:00 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: THAT CERTAIN REAL ESTATE LOCATED IN HANOVER COUNTY, VIRGINIA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN COLD HARBOR DISTRICT, HANOVER COUNTY, VIRGINIA, AND DESIGNATED AS LOT 10, BLOCK A, SECTION 8, LEREVE MANOR SUBDIVISION, AS SHOWN ON A PLAT MADE BY BALZER AND ASSOCIATES, INC., ENGINEERS AND SURVEYORS, DATED APRIL 29, 1985, AND RECORDED JULY 9, 1985 IN THE CLERK’S OFFICE, CIRCUIT COURT, HANOVER COUNTY, VIRGINIA IN PLAT BOOK 5, PAGE 267, TO WHICH REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY HEREIN CONVEYED..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 125218 ASAP# 4109151 10/19/2011, 10/26/2011

TRUSTEE’S SALE OF 2405 Cleary Road, Richmond, VA 23223. In execution of a certain deed of trust dated August 21, 2006, in the original principal amount of $88,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4197 Page 2565, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 18, 2011, at 10:02 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH IMPROVEMENTS THEREON, LYING AND BEING IN FAIRFIELD MAGISTERIAL DISTRICT, HENRICO COUNTY, VIRGINIA, BEING LOT 12, BLOCK M, SECTION B, CENTRAL GARDENS, PLAT OF WHICH IS RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF HENRICO COUNTY IN PLAT BOOK 26, PAGES 141, 142, AND 143, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR THE METES AND BOUNDS DESCRIPTION OF SAID LOT..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 70287 ASAP# 4117160 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 1100 South Randolph Street, Richmond, VA 23220. In execution of a certain deed of trust dated August 11, 2008, in the original principal amount of $151,400.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 080022252, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Richmond, John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 18, 2011, at 11:04 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, DESIGNATED AS PARCEL 7, BLOCK W-510, UPON THE DISPOSAL PLAT ENTITLED “DISPOSAL PLAT, PARCEL 7, BLOCK W-510, RANDOLPH URBAN RENEWAL PROGRAM, PROJECT NO. VA.R-58, RICHMOND REDEVELOPMENT HOUSING AUTHORITY, RICHMOND, VIRGINIA”, PREPARED BY AUSTIN BROCKENBROUGH AND ASSOCIATES, DATED DECEMBER 1, 1982, AND TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 118763 ASAP# 4116295 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 5917 Saint Moritz Drive, Richmond, VA 23224. In execution of a certain deed of trust dated August 26, 2005, in the original principal amount of $139,500.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 050030349, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Richmond, John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 18, 2011, at 11:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO, BELONGING, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, DESIGNATED AS LOT 14, BLOCK F, SECTION E, FAWNBROOK, ALL AS MORE PARTICULARLY SHOWN ON PLAT OF SURVEY BY DOWNING &ASSOCIATES, DATED APRIL 20, 1992, RECORDED MAY 5, 1992, IN THE CLERK’S OFFICE, CIRCUIT COURT, CITY OF RICHMOND, VIRGINIA, IN PLAT BOOK 42, PAGES 65 AND 66, AND TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE LOTS HEREBY CONVEYED..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 81543 ASAP# 4116287 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 101 East Leigh Street, Richmond, VA 23219. In execution of a certain deed of trust dated March 24, 2004, in the original principal amount of $125,421.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 040009275, and modified on May 06, 2008, to increase the principal balance to $140,309.88. This modification agreement was recorded in Instrument No. 080022992, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Richmond, John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 18, 2011, at 11:03 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH THE IMPROVEMENTS THEREON DESIGNATED AS NO. 101 EAST LEIGH STREET, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, SITUATED AT THE SOUTHEAST CORNER OF FIRST AND LEIGH STREETS, AND BOUNDED AS FOLLOWS: COMMENCING AT THE INTERSECTION OF THE SOUTH LINE OF LEIGH STREET WITH THE EAST LINE OF FIRST STREET AND RUNNING THENCE EASTWARDLY ALONG AND FRONTING ON SAID SOUTH LINE OF LEIGH STREET TWENTY-FIVE FEET (25’), AND THENCE RUNNING SOUTHWARDLY BETWEEN PARALLEL LINES, ONE OF WHICH IS THE SAID EAST LINE OF FIRST STREET, FIFTY-SIX AND 5/10 FEET (56/5’)..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 117821 ASAP# 4116280 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 2103 Braddock Road, Richmond, VA 23223. In execution of a certain deed of trust dated April 25, 2005, in the original principal amount of $94,500.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 3867 Page 0609, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 18, 2011, at 10:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OF LAND, LYING AND BEING IN FAIRFIELD MAGISTERIAL DISTRICT, HENRICO COUNTY, VIRGINIA, DESIGNATED AS LOT 7 AND THE WESTERN ONE-HALF OF LOT 8, IN BLOCK G, SECTION C, MONTEZUMA GARDENS, PLAT OF WHICH DATED JULY 7, 1952, MADE BY JOHN H. FOSTER, C.S., IS RECORDED IN THE CLERK’S OFFICE, HENRICO CIRCUIT COURT, IN PLAT BOOK 23, PAGE 32, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE SOUTHERN LINE OF BRADDOCK ROAD WHERE THE WESTERN LINE OF LOT 7 INTERSECTS THE SOUTHERN LINE OF BRADDOCK ROAD: THENCE S. 86 DEGREES 58’ 30” E. 114 FEET TO A POINT: THENCE S. 8 DEGREES 01’ 30” W. 145 FEET TO A POINT; THENCE N. 86 DEGREES 58’ 30” W. 114 FEET; THENCE N. 3 DEGREES 01’ 30” E. 145 FEET TO THE PLACE OF BEGINNING..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 42274 ASAP# 4117165 10/26/2011, 11/02/2011

THIS WEEK’S CROSSWORD PUZZLE CAN BE FOUND ONLINE AT STYLEWEEKLY.COM

WE APOLOGIZE FOR ANY INCONVENIENCE

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TRUSTEE’S SALE OF501 MAPLE STREET, Ashland, VA 23005

In execution of a Deed of Trust in the original principal amount of $262,462.00, with an annual interest rate of 6.3750% from JEFFREY B. STANLEY AND ALVA P. KIDD dated June 28, 2007, recorded among the land records of the Circuit Court for the COUNTY OF HANOVER as Deed Book/Instrument #20070628000047680, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Hanover located at 7507 Library Drive, Hanover, Virginia on November 3, 2011 at 4:45 PM, the property with improvements to wit:

CONTAINING 0.434 ACRE, DESIGNATED AS 501 MAPLE STREET AND MORE PARTICULARLY DESCRIBED BY THAT CERTAIN PLAT DATED NOVEMBER 7, 1975 AND RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF THE COUNTY OF HANOVER, VIRGINIA IN DEED BOOK 391, PAGE 375 ON NOVEMBER 20, 1975.

AND further described in the above Deed of Trust. (Tax Map No. 7870-80-1552)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-211484D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

Trustee’s Sale1407 Elmshadow Drive,

Richmond, Virginia 23231(Tax ID No. 804-705-4145)

Default having been made in the terms of a certain Deed of Trust dated May 23, 2007, in the original principal amount of $142,800.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 4355, at page 0176, the undersigned Substitute Trustees, will sell at public auction on November 2, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Springs Road,) Richmond, VA, the property designated as Lot 10, Block 1, Section E, Foxboro North, as shown on a plat entitled “Foxboro North, Section E”, dated February 12, 1981, and recorded in the aforesaid Clerk’s Office in Plat Book 73, Page 53.

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $14,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 68086, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE’S SALE OF8099 CYPRESSTREE LANE,

Mechanicsville, VA 23111

In execution of a Deed of Trust in the original principal amount of $194,000.00, with an annual interest rate of 5.8750% from KIM JOLLY AKA KIM LYNCH dated April 2, 2010, recorded among the land records of the Circuit Court for the COUNTY OF HANOVER as Deed Book/ Instrument #2973 AT PAGE 3268, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Hanover located at 7507 Library Drive, Hanover, Virginia on November 10, 2011 at 4:45 PM, the property with improvements to wit:

LOT 4, BLOCK B, ALL IN SECTION 2 OF CYPRESSTREE SUBDIVISION, AS SHOWN ON PLAT ENTITLED “CYPRESSTREE SUBDIVISION, SECTION TWO, HENRY DISTRICT, HANOVER COUNTY, VIRGINIA”, RECORDED AUGUST 18, 1997, IN THE CLERK’S OFFICE, CIRCUIT COURT, HANOVER COUNTY, VIRGINIA, IN SUBDIVISION PLAT BOOK 8, PAGE 234.

AND further described in the above Deed of Trust. (Tax Map No. 8715-91-0940)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-208826D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF17406 CREEKBED ROAD,

Chesterfield, VA 23838In execution of a Deed of Trust in the original principal amount of $232,400.00, with an annual interest rate of 2.0000% from IVOR A. JAMES dated April 23, 2007, recorded among the land records of the Circuit Court for the COUNTY OF CHESTERFIELD as Deed Book/Instrument #7747 , PAGE 0952, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Chesterfield located at 9500 Court House Road, Chesterfield, Virginia on November 3, 2011 at 1:00 PM, the property with improvements to wit:LOT 21, SECTION 1, SWIFT CREEK ESTATES, ALL AS MORE PARTICULARLY SHOWN ON A PLAT OF SUBDIVISION ENTITLED “SWIFT CREEK ESTATES SECTION 1”, RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA IN PLAT BOOK 164, PAGES 75 THROUGH 81.AND further described in the above Deed of Trust. (Tax Map No. 784-628-3645-00000)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-220486D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF12311 MAPLE STREET, Ashland, VA 23005

In execution of a Deed of Trust in the original principal amount of $140,000.00, with an annual interest rate of 4.0000% from SHARON L. MAYS dated February 24, 2005, recorded among the land records of the Circuit Court for the COUNTY OF HANOVER as Deed Book/Instrument #2471 AT PAGE 359, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Hanover located at 7507 Library Drive, Hanover, Virginia on November 10, 2011 at 4:45 PM, the property with improvements to wit:

CONTAINING 2.03 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY, ENTITLED “DIVISION OF THE MAYS AND WHEELER PROPERTY LOCATED ABOUT 1.5 MILES SOUTH OF ASHLAND, ASHLAND DISTRICT, HANOVER COUNTY, VIRGINIA”, RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF HANOVER COUNTY, VIRGINIA, IN PLAT BOOK 8, PAGE 238.

AND further described in the above Deed of Trust. (Tax Map No. 7779-73-8842)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $14,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-209816V.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

Trustee’s Sale4907 Snowshoe Court,

Glen Allen, Virginia 23060(Tax ID No. 756-763-0972)

Default having been made in the terms of a certain Deed of Trust dated January 5, 2004, in the modified principal amount of $50,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 3605 at page 2154 and modified in Loan Modification Agreement dated September 12, 2007 and recorded on April 30, 2008 in Deed Book 4507 at page 0470, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated as Lot 42, Block E, Section B, Meredith Woods, as shown on a plat of subdivision entitled “Meredith Woods, Section ‘B’”, dated April 24, 1979, recorded in the aforesaid Clerk’s Office in Plat Book 70, page 39. Sale is subject to all prior liens, (including the lien of a prior Deed of Trust) easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $5,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 91934, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale2408 N 28 Street, Richmond, Virginia 23223

(Tax ID No. E0120295006)

Default having been made in the terms of a certain Deed of Trust dated August 9, 2005, in the original principal amount of $63,914.99 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 05-028895, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 11:15 a.m., in front of the building housing the Richmond Circuit Court, 400 North 9th Street, at the entrance facing Clay street (8th and Clay streets), Richmond, VA, the property designated as Lot 6, Block B, on the Plan of Kane Gardens, Section C, plat of which is dated April 15, 1959 and recorded in the Clerk’s Office of the Chancery Court of the City of Richmond, Virginia, in Plat Book 14, page 188.

LESS AND EXCEPT the land needed for the location and construction or other improvements of Interstate Highway Route 64, as shown on a plat of survey on file in the office of the Department of Highways, Richmond, Virginia, identified as Sheet No. 10, Project 0064-043-101-RW-201, all of said land being located in the City of Richmond, Virginia, and being more particularly described in a Deed recorded in the aforesaid Clerk’s Office as Instrument No. 090007179. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $6,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92170, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale1106 Lakeland Circle,

Richmond, Virginia 23229(Tax ID No. 748-741-6084)

Default having been made in the terms of a certain Deed of Trust dated September 10, 2003, in the original principal amount of $18,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 3540, at Page 1725, the undersigned Substitute Trustees, will sell at public auction on November 2, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated as Lot 1, Block B of Waterford Rhye, and more particularly described on plat of subdivision dated February 14, 1986, and recorded in Plat Book 83, pages 124 and 125, in the aforesaid Clerk’s Office. TOGETHER with all rights and obligations as set forth in Declaration of Covenants, Conditions and Restrictions Waterford Rhye Townhouse Association, and amendments thereto, if any, recorded in Deed Book 2036, page 33. Sale is subject to all prior liens, (including the lien of a prior Deed of Trust) easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $1,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 93090, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

NOTICE OF TRUSTEE’S SALE OF PROPERTY

1001 Leicester Road Richmond, VA 23225 (Tax Map No. C0050693002)

In execution of a deed of trust recorded in the Clerk’s Office of the Circuit Court for the City of Richmond, Virginia, as Instrument Number 10-12059, the undersigned, appointed Substitute Trustee, will offer for sale at public auction at the front door of the Courthouse of the City of Richmond, Virginia, 400 North Ninth Street, Richmond, VA, 23219, on the 21st day of November, 2011, at 1:00 PM, certain property described in said deed of trust lying in the City of Richmond, Virginia, known as 1001 Leicester Road, Richmond, VA, 23225, and more particularly described as Lot 110, Plan of Forest View Heights, a plat of which is recorded in the Clerk’s Office, Chesterfield Circuit Court, in Plat Book 8, pages 20 and 21. TOGETHER WITH all of the right, title, and interest of R.O. Dillon, in and to that certain personal property, as described in a certain note dated June 30, 2010. As provided in the deed of trust and pursuant to the provisions of applicable law, the undersigned Substitute Trustee may exercise all of the powers, rights, authority, and duties granted in the deed of trust. TERMS: Cash. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash at the time of the sale. Additional terms and conditions will be announced at the sale. Settlement shall occur within fifteen (15) days of the date of the sale, at which time the balance of the purchase price will be due and payable in cash, otherwise the Trustee may forfeit the deposit. The property will be sold “AS IS” and will be conveyed by special warranty deed, subject to all liens, objections, rights, reservations, leases, covenants, conditions, easements, and restrictions superior to the lien of the deed of trust as they may lawfully affect the property. Neither the Substitute Trustee nor the holder of the note secured by the deed of trust will deliver possession of the property to the successful bidder. The purchaser at the sale will be required to pay all closing costs except the grantor’s tax. Real estate ad valorem taxes will be prorated as of the date of closing. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Joe B. Lamb, Jr. Substitute Trustee Joe B. Lamb, Jr., Substitute Trustee 10132 West Broad Street, Glen Allen, VA, 23060, (804) 935-0000

TRUSTEE’S SALE OF 15 ROCK GARDEN LANE,

Richmond, VA 23228In execution of a Deed of Trust in the original principal amount of $120,000.00, with an annual interest rate of 6.3750% from CHRISTOPHER A. TOMASEK dated February 29, 2008, recorded among the land records of the Circuit Court for the COUNTY OF HENRICO as Deed Book/Instrument # 4479 AT PAGE 2383, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Henrico located at 4301 E. Parham Road, Richmond, Virginia on November 10, 2011 at 3:30 PM, the property with improvements to wit:CONDOMINIUM UNIT NO. 15, BUILDING 7, SECTION I, OF THE HAMLET CONDOMINIUM , KNOWN AS 15 ROCK GARDEN LANE, HENRICO COUNTY, VIRGINIA, AS SHOWN ON A PLAT ENTITLED “HAMLET CONDOMINIUMS, BROOKLAND DISTRICT, HENRICO CO., VIRGINIA”, RECORDED IN THE CLERK’S OFFICE, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 63, PAGES 49-51; LESS AND EXCEPT THAT PORTION ACQUIRED BY THE COMMONWEALTH OF VIRGINIA BY CERTIFICATE RECORDED IN DEED BOOK 1803, PAGE 343; ALSO SEE ORDER RECORDED IN DEED BOOK 1852, PAGE 509.AND further described in the above Deed of Trust. (Tax Map No. 774-744-3490.138)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $12,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-222025D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF 1308 OAKWOOD AVENUE,

Richmond, VA 23223In execution of a Deed of Trust in the original principal amount of $85,000.00, with an annual interest rate of 7.5000% from ANDRE R. TERRY dated August 6, 2007, recorded among the land records of the Circuit Court for the CITY OF RICHMOND as Deed Book/Instrument #070026965, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the City of Richmond located at 400 North 9th Street, Richmond, Virginia on November 10, 2011 at 2:15 PM, the property with improvements to wit:COMMENCING AT A POINT ON THE NORTH LINE OF OAKWOOD AVENUE DISTANT 106 FEET EAST OF R STREET, THENCE RUNNING EASTWARDLY ALONG THE SAID NORTH LINE OF OAKWOOD AVENUE AND FRONTING THEREON 27 FEET AND 6 INCHES AND EXTENDING BACK FROM SAID FRONT NORTHWARDLY AND BETWEEN LINES PARALLEL WITH R STREET, 145 FEET ALLEY IN COMMON 15 FEET WIDE.AND further described in the above Deed of Trust. (Tax Map No. E000-1104-032)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $8,500.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-203638D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

Trustee’s Sale810 Akron Street,

Richmond, Virginia 23222(Tax ID No. N0180478041)

Default having been made in the terms of a certain Deed of Trust dated September 4, 2008, in the original principal amount of $101,250.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 080024330, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 11:15 a.m., in front of the building housing the Richmond Circuit Court, 400 North 9th Street, at the entrance facing Clay Street (8th and Clay Streets), Richmond, VA, the property designated as a part of Lots designated as Lots 13 and 14, and the eastern 10 ft. of Lot 12, Block 5, in Omohundro’s Plan Of Oak Park, as shown in Plat Book 9, Page 25, of record in the Clerk’s Office Circuit Court, Henrico County, Virginia, and more particularly described in a plat of survey dated February 11, 1974, a copy of which is recorded in the Clerk’s Office, Circuit Court, City of Richmond, Virginia, Division 1, in Deed Book 689A, Page 624.

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $10,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C. and Lisa Brook Law, PLC, Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 91194, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

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TRUSTEE SALE 12993 BRIAR WOOD LANE, MONTPELIER, VA 23192 Hanover County VA1100036896 In execution of a Deed of Trust in the original principal amount of $726,040.00, with an annual interest rate of 5.88% from JONG PYO LIM dated 08/12/2005 recorded in the Clerk’s Office of the Circuit Court of Hanover County, VA, in Deed Book 2567, at page 629 (or Instrument No. 050016896), default having occurred in the payment of the Note thereby secured and at the request of GMAC Mortgage, LLC the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Hanover County Circuit Court, 7497 County Complex Road, Hanover, VA, on 11/18/2011 at 09:00 A.M., the property described in said deed, located at the above address and briefly described as: LOT 4, CONTAINING 10.10 ACRES MORE OR LESS, AUBURN MILL SECTION 2, SOUTH ANNA DISTRICT, HANOVER COUNTY, VIRGINIA. TOGETHER WITH AND SUBJECT TO A 50 FOOT WIDE NON-EXCLUSIVE EASEMENT AND PRIVATE ROAD WAY FOR INGRESS AND EGRESS. DESIGNATED AND DESCRIBED AS ‘50 PRIVATE ROAD’, AS SHOWN ON A SUBDIVISION PLAT RECORDED IN SUBDIVISION PLAT BOOK 8, PAGE 538. TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. com ASAP# 4104593 10/26/2011, 11/02/2011

TRUSTEE SALE 205 NORTH FOXHILL ROAD, RICHMOND, VA 23223 Henrico County VA1100038042 In execution of a Deed of Trust in the original principal amount of $157,500.00, with an annual interest rate of 3.25% from JAMES MUSE dated 08/17/2006 recorded in the Clerk’s Office of the Circuit Court of Henrico County, VA, in Deed Book 4184, at page 2537 (or Instrument No. 47752), default having occurred in the payment of the Note thereby secured and at the request of US Bank National Association as Trustee the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Henrico County Circuit Court, 4301 EParham Road, Henrico, VA, on 11/04/2011 at 10:00 A.M., the property described in said deed, located at the above address and briefly described as: LOT 1, BLOCK 1, SECTION 1, HECHLER VILLAGE, HENRICO COUNTY, VIRGINIA. TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC, Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. com ASAP# 4091955 10/19/2011, 10/26/2011

TRUSTEE’S SALE104 Scotch Pine Drive, Sandston, VA 23150

Parcel ID 832-715-1031

Pursuant to the terms of a deed of trust dated December 30, 2004, in the original principal amount of $183,552.00, recorded in the Clerk’s Office of the Circuit Court of Henrico County, Virginia in Deed Book 3802, Page 219, the property briefly described below will be offered for sale at public auction:

Lot 20, Block D, Pine Creek South, as shown on a plat recorded in the aforesaid Clerk’s Office in Plat Book 119, Pages 8-10, and as more particularly described in the referenced deed of trust.

The sale will take place on NOVEMBER 9, 2011 at 2:00 P.M., at the front entrance to the building housing the Circuit Court of Henrico County, Virginia, located at 4301 East Parham Road, Henrico, VA.

The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property.

Terms: A deposit in the form of CERtIFIED FUNDS in the amount of $16,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose.

Evans & Bryant, PLC, Substitute Trustee

FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1127155).

TRUSTEE’S SALE 3802 Fenwick Street, Richmond, VA 23222

Parcel ID 799-736-2945Pursuant to the terms of a deed of trust dated March 16, 2007, in the original principal amount of $139,000.00, recorded in the Clerk’s Office of the Circuit Court of Henrico County, Virginia, in Deed Book 4306, Page 2274, the property briefly described below will be offered for sale at public auction:Lot 2, Block B, Lynn Grove, as shown on a plat recorded in the aforesaid Clerk’s Office in Plat Book 23, Page 206, and as more particularly described in the referenced deed of trust.The sale will take place on NOVEMBER 9, 2011, at 2:00 p.M., at the front entrance to the building housing the Circuit Court of Henrico County, Virginia, located at 4301 East Parham Road, Henrico, VA.The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property. Terms: a deposit in the form of CERtIFIED FUNDS in the amount of $13,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute TrusteeFOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1127583).

TRUSTEE’S SALE OF 16 Old Memorial Drive, Sandston, VA 23150. In execution of a certain deed of trust dated November 06, 2006, in the original principal amount of $153,912.01 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4233 Page 0832, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 18, 2011, at 10:02 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH THE IMPROVEMENTS THEREON AND THE APPURTENANCES THERETO BELONGING, LYING AND BEING IN HENRICO COUNTY, VIRGINIA, SHOWN AND DESIGNATED AS LOT 12, BLOCK C, SECTION D, PINE HEIGHTS, ON SUBDIVISION PLAT OF PINE HEIGHTS SECTION D, PREPARED BY ROBERT K. THOMAS & ASSOCIATES, DATED JULY 24, 1989, AND RECORDED AUGUST 22, 1989, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 89, PAGE 91, TO WHICH PLAT REFERENCE IS MADE FOR A MORE PARTICULAR DESCRIPTION..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 136338 ASAP# 4117179 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 4612 Shop Street, Chester, VA 23831. In execution of a certain deed of trust dated February 23, 2006, in the original principal amount of $168,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 6972 Page 652, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Chesterfield County, 9500 Courthouse Road, Chesterfield, Virginia, on November 18, 2011, at 12:01 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OR PARCEL OF LAND, LYING AND BEING IN BERMUDA DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, AND MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE NORTHERN LINE OF SHOP STREET; WHICH POINT OF BEGINNING IS DISTANT THEREON IN A WESTERLY DIRECTION 150 FEET FROM THE INTERSECTION OF SAID NORTHERN LINE OF SHOP STREET WITH THE WESTERN LINE BUCKINGHAM STREET; THENCE FROM THIS SAID POINT OF BEGINNING IN A WESTERLY DIRECTION ALONG THE SAID NORHERN LINE OF SHOP STREET 170 FEET TO A POINT; THENCE IN A EASTERLY DIRECTION ALONG A LINE PARALLEL WITH THE NORTHERN LINE OF SHOP STREET150 FEET TO A POINT; THENCE IN A SOUTHERLY DIRECTION ALONG A LINE PARALLEL WITH THE WESTERN LINE OF BUCKINGHAM STREET 170 FEET TO A POINT, THE POINT AND PLACE OF BEGINNING. REFERENCE IS MADE TO A CERTAIN PLAT OF SURVEY PREPARED BY W.W. LAPARDE AND BROS., DATED NOVENMBER 22, 1927, A COPY OF WHICH IS ATTACHED TO A DEED RECORDED IN DEED BOOK 317, PAGE 126, IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 39064 ASAP# 4117186 10/26/2011, 11/02/2011

TRUSTEE’S SALE OF 10205 Donegal Place, Chesterfield, VA 23832. In execution of a certain deed of trust dated October 28, 2005, in the original principal amount of $207,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 6750 Page 76, and modified on April 01, 2010, to increase the principal balance to $224,730.67. This modification agreement was recorded in Deed Book 9191, Page 734, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Chesterfield County, 9500 Courthouse Road, Chesterfield, Virginia, on November 18, 2011, at 12:03 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OR PARCEL OF LAND WITH IMPROVEMENTS THERON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN MATOACA DISTRICT (FORMERLY CLOVER HILL DISTRICT), CHESTERFIELD COUNTY, VIRGINIA, AND DESIGNATED AS LOT 6, SECTION 1, DONEGAL FOREST, AND BEING MORE PARTICULARLY SHOWN ON THE SUBDIVISION PLAT OF DONEGAL FOREST, SECTION 1, DATED FEBRUARY 10, 1977, MADE BY J. K. TIMMONS AND ASSOCIATES, INC,. CONSULTING ENGINEERS, RICHMOND, VIRGINIA, AND RECORDED FEBRUARY 11, 1977, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNLY, VIRGINIA, IN PLAT BOOK 28, AT PAGES, 20, 21 AND 22. REFERENCE TO AFORESAID PLAT BEING MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 128992 ASAP# 4117185 10/26/2011, 11/02/2011

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TRUSTEE’S SALE OF 359 Waxwing Drive, Richmond, VA 23227. In execution of a certain deed of trust dated July 20, 2006, in the original principal amount of $152,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4168 Page 2447, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Henrico County, 4301 E. Parham Road, Richmond, Virginia, on November 04, 2011, at 10:02 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ALL THE IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN THE COUNTY OF HENRICO, VIRGINIA, AND SHOWN AND DESIGNATED AS LOT 31, BLOCK D, SECTION 5, ON SUBDIVISION PLAT OF MEADOWOOD, RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT OF HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 39, PAGE 47, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY..TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 64008 ASAP# 4112714 10/19/2011, 10/26/2011

Trustee’s Sale604 East Gladstone Avenue, Richmond, Virginia 23222

(Tax ID No. N0001152017)

Default having been made in the terms of a certain Deed of Trust dated November 7, 2008, in the original principal amount of $125,275.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 080029079, the undersigned Substitute Trustees, will sell at public auction on November 2, 2011, at 11:15 a.m., in front of the building housing the Richmond Circuit Court, 400 North 9th Street, at the entrance facing Clay Street (8th and Clay Streets), Richmond, VA, the property designated as Lots 21 and 22 in Block E on the Plan of West Highland as shown on a plat dated March 11, 1940, recorded with a Deed of Trust recorded in the aforesaid Clerk’s Office in Deed Book 420-B, Page 243, and as further described in the aforesaid Deed of Trust. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $12,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 93751, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE’S SALE OF 1301 Southwick Boulevard, Midlothian, VA 23113. In execution of a certain deed of trust dated September 26, 2008, in the original principal amount of $181,288.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 8476 Page 0029, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Chesterfield County, 9500 Courthouse Road, Chesterfield, Virginia, on November 18, 2011, at 12:00 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN MIDLOTHIAN DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, AND DESIGNATED AS LOT 14, BLOCK C, SECTION TWO, BUCKINGHAM, AS SHOWN ON THE PLAT PREPARED BY CHARLES L. WINGATE, P.L.S., DATED MARCH 5, 1981, RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 38, PAGES 77 AND 78, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION.TERMS OF SALE: ALL CASH. A bidder’s deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703)548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 136288 ASAP# 4112106 10/19/2011, 10/26/2011

TRUSTEE SALE 20440 DUVAL ROAD, MOSELEY, VA 23120 Chesterfield County VA-260262-C In execution of a Deed of Trust in the original principal amount of $360,000.00, with an annual interest rate of 3.86% from SCHAWMANN L. HOBBS dated 03/16/2005 recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, VA, in Deed Book 6276, at page 653 (or Instrument No. 18569 ), default having occurred in the payment of the Note thereby secured and at the request of DEUTSCHE BANK TRUST COMPANY AMERICAS AS TRUSTEE FOR RALI 2005QA7the holder of said Note, the undersigned Substitute Trustee will offer for sale by public auction at the main entrance to the building housing the Chesterfield County Circuit Court, 9500 Courthouse Road, Chesterfield, VA, on 11/18/2011 at 12:00 P.M., the property described in said deed, located at the above address and briefly described as: ALL THAT CERTAIN PIECE OR PARCEL OF LAND WITH IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN THE MIDLOTHIAN DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, CONTAINING 4.00 ACRES, AND DESIGNATED AS PARCEL 2A, ALL AS IS MORE PARTICULARLY SHOWN ON A PLAT OF SURVEY BY VIRGINIA SURVEYS, DATED MAY 3, 2000, ENTITLED, “MAP SHOWING 2 PARCELS OF LAND SITUATED IN CHESTERFIELD COUNTY, VIRGINIA”, A COPY OF WHICH PLAT IS ATTACHED TO AND MADE A PART OF THE DEED OF GIFT RECORDED IN DEED BOOK 3838, PAGE 794. TERMS OF SALE: CASH: A deposit of $10,000.00 or 10% of the sale price, whichever is less, cash or certified check, will be required at the time of sale, with settlement to occur within fifteen (15) days from the date of sale. Time will be of the essence as to the closing date and as to the payment of the purchase price. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. The Property will be sold “AS IS”. The real estate will be conveyed by special warranty deed subject to all rights, reservations, leases, covenants, conditions, easements and restrictions superior to the Deed of Trust as they may lawfully affect the real estate. The purchaser at the sale will be required to pay all closing costs except the Grantor’s recording tax. Real Estate taxes will be prorated as of the sale date. Neither Substitute Trustee nor the holder of the Note secured by the Deed of Trust will deliver possession of the property to the successful bidder. Additional terms may be announced at the sale. ETS OF VIRGINIA, INC., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: ETS of Virginia, Inc. 3900 Westerre Parkway, Ste 300 Richmond, VA 23233 (888)368-3686 ETS. VA@gmacrescap. com ASAP# 4104592 10/26/2011, 11/02/2011

Trustee’s Sale2704 Chariot Street,

Glen Allen, Virginia 23060(Tax ID No. 771-763-4455)

Default having been made in the terms of a certain Deed of Trust dated July 30, 2005, in the original principal amount of $116,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 3966, at Page 0503, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated Lot 6, Block B, Section A, Shepherd’s Run, as shown on a plat of Survey dated September 13, 1985, recorded in the aforesaid Clerk’s Office in Plat Book 81, Page 100.

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $11,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 93496, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale8028 Arbor Glen Place,

Richmond, Virginia 23227(Tax ID No. 794-753-2557)

Default having been made in the terms of a certain Deed of Trust dated July 31, 2008, in the original principal amount of $327,363.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 4546, Page 0841, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated Lot 7, Block B, as shown on subdivision plat entitled “Sterling Forest, Section 1”, dated October 30, 2000 and recorded in the aforesaid Clerk’s Office in Plat Book 113, Pages 6, 7, and 8.Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $32,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92534, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale9801 Gardenia Drive,

Richmond, Virginia 23228(Tax ID No. 775-761-1949)

Default having been made in the terms of a certain Deed of Trust dated October 12, 2005, in the original principal amount of $120,450.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 3989, at Page 0855, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 10:00 a.m., in front of the building housing the Henrico County Circuit Court, 4301 E. Parham Road, (E. Parham and Hungary Spring Roads), Richmond, VA, the property designated as being situated North of Hungary Road and East of Woodman Road, containing 2.0 acres, more or less, all as shown on a plat dated August 14, 1956, a copy of which is recorded with that certain deed in Deed Book 815, page 394. LESS AND EXCEPT that certain parcel of land containing 1.56 acres, more or less, conveyed by deed dated September 2, 1959 and duly recorded in the aforesaid Clerk’s Office in Deed Book 966, page 163. All as shown on plat dated September 24, 2003 designated as Parcel A containing 0.44 acre, more or less, a copy of which is attached to and recorded with the aforesaid Deed of Trust. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $12,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92425, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale2218 Carrington Street, Richmond,

Virginia 23223(Tax ID No. E0000469015)

Default having been made in the terms of a certain Deed of Trust dated June 1, 2006, in the original principal amount of $144,800.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 060018876, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 11:15 a.m., in front of the building housing the Richmond Circuit Court, 400 North 9th Street, at the entrance facing Clay Street (8th and Clay Streets), Richmond, VA, the property designated as Beginning at a point on the northern line of Carrington Street distant 74 feet 6 inches, more or less from the point of intersection of the said northern line of Carrington Street with the western line of 23rd Street; thence extending westwardly along and fronting on the said northern line of Carrington Street 34 feet; thence back at right angles between parallel lines 69 feet. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $14,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C. and/or Lisa Brook Law, PLC, Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 84524, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale9162 Cudlipp Avenue, Mechanicsville,

Virginia 23116(Tax ID No. 7796-82-1837)

Default having been made in the terms of a certain Deed of Trust dated May 25, 2005, in the original principal amount of $285,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Hanover, Virginia in Deed Book 2516, Page 287, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 8:45 a.m., in front of the building housing the Hanover County Circuit Court, Hanover Courthouse, 7507 Library Drive, Hanover, VA, the property designated as Lot 8, Block F, Section 1, on Subdivision Plat of Craney Island Farms, recorded in the aforesaid Clerk’s Office in Subdivision Plat Book 6, page 7.

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $28,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 91844, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

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TRUSTEE’S SALE OF2702 EAST FRANKLIN STREET,

Richmond, VA 23223In execution of a Deed of Trust in the original principal amount of $150,000.00, with an annual interest rate of 4.8750% from PAUL D. MARSHALL, JR AND RENEE M. MARSHALL dated April 22, 2003, recorded among the land records of the Circuit Court for the CITY OF RICHMOND as Deed Book/Instrument #030014923, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the City of Richmond located at 400 North 9th Street, Richmond, Virginia on November 3, 2011 at 2:15 PM, the property with improvements to wit:BEGINNING ON THE NORTHERN LINE OF FRANKLIN STREET AT A POINT DISTANT THEREON 22 FEET EASTWARDLY FROM THE EAST LINE OF 27TH STREET, WHICH SAID POINT OF BEGINNING IS A POINT OPPOSITE THE CENTER OF THE PARTY WALL IN COMMON BETWEEN SAID BUILDING NO. 2702 AND THE BUILDING ADJOINING IMMEDIATELY WEST THEREOF KNOWN AS NO. 2700, AND FROM SAID POINT OF BEGINNING RUNNING EASTWARDLY ALONG AND FRONTING ON THE NORTH LINE OF FRANKLIN STREET FOR 20 FEET, AND FROM SAID FRONT EXTENDING BACK NORTHWARDLY BETWEEN PARALLEL LINES FOR 146 FEET 6 INCHES, MORE OR LESS, TO AN ALLEY, THE WESTERN LINE OF SAID PROPERTY RUNNING THROUGH THE CENTER OF THE AFORESAID PARTY WALL.AND further described in the above Deed of Trust. (Tax Map No. E000-0485/020)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-220634D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF501 RIDGEMOOR PLACE,

Midlothian, VA 23114In execution of a Deed of Trust in the original principal amount of $167,640.00, with an annual interest rate of 5.3700% from IQBAL SINGH AND GURMEET SINGH RANA dated May 27, 2005, recorded among the land records of the Circuit Court for the COUNTY OF CHESTERFIELD as Deed Book/Instrument # 6421 AT PAGE 265, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Chesterfield located at 9500 Court House Road, Chesterfield, Virginia on November 10, 2011 at 1:00 PM, the property with improvements to wit:LOT 48, RIDGEMOOR AT THE GROVE, AS MORE PARTICULARLY SHOWN ON THAT CERTAIN SUBDIVISION PLAT ENTITLED” RIDGEMOOR AT THE GROVE” DATED APRIL 4, 2003, RECORDED JULY 14, 2003 IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 134 AT PAGE 92 THROUGH 96.AND further described in the above Deed of Trust. (Tax Map No. 730704211500000)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-197691D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF 12100 STRATFORD GLEN DRIVE,

Richmond, VA 23233In execution of a Deed of Trust in the original principal amount of $308,000.00, with an annual interest rate of 5.8750% from LARRY R. COHEN AND NANCY P. COHEN dated April 24, 2003, recorded among the land records of the Circuit Court for the COUNTY OF HENRICO as Deed Book/Instrument # 3437 at page 1738, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Henrico located at 4301 E. Parham Road, Richmond, Virginia on November 10, 2011 at 3:30 PM, the property with improvements to wit:LOT 16, BLOCK A, OF STRATFORD GLEN AT WELLESLEY AS SHOWN AND DESIGNATED ON THE SUBDIVISION PLAT ENTITLED “STRATFORD GLEN AT WELLESLEY” DATED MAY 25, 1988, PREPARED BY YOUNGBLOOD, TYLER & ASSOCIATES, RECORDED IN THE CLERKS OFFICE OF THE CIRCUIT COURT OF THE COUNTY OF HENRICO, VIRGINIA, DATED JULY 27, 1988, IN PLAT BOOK 87, AT PAGE 69.AND further described in the above Deed of Trust. (Tax Map No. 738-759-3377)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-215127D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF 416 N 33RD STREET, Richmond, VA 23223

In execution of a Deed of Trust in the original principal amount of $158,760.00, with an annual interest rate of 12.0000% from REO-ASSETS MGMT LLC dated January 5, 2007, recorded among the land records of the Circuit Court for the CITY OF RICHMOND as Deed Book/ Instrument #070000553, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the City of Richmond located at 400 North 9th Street, Richmond, Virginia on November 10, 2011 at 2:15 PM, the property with improvements to wit:ALL THAT CERTAIN LOT OF LAND IN THE CITY OF RICHMOND, VIRGINIA, WITH ALL IMPROVEMENTS THEREON KNOWN AS NO. 416 NORTH 33RD STREET AND BOUNDED AND DESCRIBED AS FOLLOWS: COMMENCING AT A POINT OF THE WEST LINE OF 33RD STREET 102 10/12 FEET SOUTH OF CLAY STREET, THENCE RUNNING SOUTHWARDLY AND FRONTING ON THE WEST LINE OF 33RD STREET 30 FEET, THENCE BACK WESTWARDLY BETWEEN PARALLEL LINES 124 FEET TO AN ALLEY 16 FEET WIDE.AND further described in the above Deed of Trust. (Tax Map No. E000-0810/005)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-210600V.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF 10703 KRISERIN CIRCLE,

Chester, VA 23831In execution of a Deed of Trust in the original principal amount of $280,000.00, with an annual interest rate of 2.0000% from LURENE P. ADAMS AND ERROL O. ADAMS dated April 29, 2005, recorded among the land records of the Circuit Court for the COUNTY OF CHESTERFIELD as Deed Book/Instrument # 6361 AT PAGE 720, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Chesterfield located at 9500 Court House Road, Chesterfield, Virginia on November 3, 2011 at 1:00 PM, the property with improvements to wit:LOT #32 PLAT OF “WELLINGTON FARMS”, SECTION “B” DATED JULY 19, 1993 MADE BY BENGSTON, DEBELL & ELKIN, LTD., AND RECORDED DECEMBER 8, 1993 IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA IN PLAT BOOK 82, PAGES 88 THROUGH 90.AND further described in the above Deed of Trust. (Tax Map No. 783658259200000)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-220482D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF4251 Shackelford Road

City of Richmond, VirginiaTax Map No. C0090950062

In execution of a certain Purchase Money Deed of Trust in the original principal amount of $49,000.00 to C. Carter Wailes and Richard F. Gonet, Trustees, dated May 9, 2001, recorded in the Clerk’s Office, Circuit Court, City of Richmond, Virginia, as Instrument No. 010012519, default having been made in the payment of the indebtedness secured thereby and being required to do so by the noteholder, the undersigned, Substitute Trustee (appointed Substitute Trustee by noteholder under Instrument Number 110009958 recorded in the aforesaid Clerk’s Office), in accordance with the provisions of the aforesaid Deed of Trust and after having given fourteen (14) days notice to the owner of the real estate of the date, time, place and terms of the sale, will offer for sale to the highest bidder at public auction on the eastern steps facing Clay Street, John Marshall Courts Building, Richmond Circuit Court, 400 North 9th Street, Richmond, Virginia 23219, on November 17, 2011 at 10:00 a.m., local time, the real estate identified above and as more particularly described in the aforesaid Deed of Trust. TERMS OF SALE: CASH. A deposit of $5,000.00, cash or certified check may be required at the time of sale with settlement within thirty (30) days from the date of sale. Said sale will be expressly subject to all easements, restrictions, and liens, including mechanics’ liens whether filed or unfiled, which may lawfully affect the herein described property or be superior to the lien of the herein referenced deed of trust. Conveyance shall be with special warranty. Purchaser shall assume any unpaid real estate taxes for the current year from the date of sale. The real estate will be sold in bulk, in “AS IS” condition. Neither the Trustee nor the holder of the note secured by the aforesaid Deed of Trust will deliver possession of the real estate to the successful bidder. The Trustee reserves the right to: withdraw the property from sale at any time prior to the termination of bidding; and to keep the bidding open for any length of time. Additional terms may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. FOR INFORMATION CONTACT: Trevor B. Reid or Stephen E. Scarce, Substitute Trustees, Parker, Pollard, Wilton & Peaden, P.C., 6802 Paragon Place, Suite 300, Richmond, Virginia, 23230, (804) 262-3600. Publication dates: October 26, 2011; November 2, 2011; November 9, 2011, and November 16, 2011.

TRUSTEE’S SALE OF1707 QUEEN ELIZABETH AVENUE,

Richmond, VA 23236

In execution of a Deed of Trust in the original principal amount of $66,411.00, with an annual interest rate of 5.0000% from THOMAS P. SOLOMON, SR. AND PATRICIA D. SOLOMON dated March 2, 1995, recorded among the land records of the Circuit Court for the COUNTY OF CHESTERFIELD as Deed Book/Instrument #2663 AT PAGE 100, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Chesterfield located at 9500 Court House Road, Chesterfield, Virginia n November 17, 2011 at 1:00 PM, the property with improvements to wit:

LOT 34, IN BLOCK C, AS SHOWN ON THAT CERTAIN PLAT ENTITLED “RUNNYMEDE, SECTION ‘A’, CLOVERHILL DISTRICT, CHESTERFIELD COUNTY, VIRGINIA”, DULY OF RECORD IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 20, PAGES 73-76.

AND further described in the above Deed of Trust. (Tax Map No. 747695750500000)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $6,600.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Trustee’s File No. 11-211733V.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF801 AZALEA AVENUE, Richmond, VA

23227

In execution of a Deed of Trust in the original principal amount of $150,400.00, with an annual interest rate of 6.5000% from NEAL N. JACKSON AND DIANE JACKSON AKA DIANE D JACKSON dated March 23, 2006, recorded among the land records of the Circuit Court for the COUNTY OF HENRICO as Deed Book/Instrument #4089 AT PAGE 614, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Henrico located at 4301 E. Parham Road, Richmond, Virginia on November 17, 2011 at 3:30 PM, the property with improvements to wit:

CONTAINING 0.66 ACRE, ALL AS SHOWN ON PLAT OF FOSTER AND MILLER, CERTIFIED SURVEYORS, RICHMOND, VIRGINIA, DATED SEPTEMBER 10, 1964, ATTACHED TO AND MADE A PART OF THAT CERTAIN DEED FROM J. L. ELLIS AND SON, INCORPORATED, TO JACK R. REGNER AND DELLA C. REGNER, HUSBAND AND WIFE, DATED SEPTEMBER 11, 1964, RECORDED NOVEMBER 9, 1964, DEED BOOK 1184, PAGE 365, CLERK’S OFFICE, CIRCUIT COURT OF HENRICO COUNTY, VIRGINIA. LESS AND EXCEPT THAT PORTION TAKEN BY CONDEMNATION FOR THE WIDENING OF AZALEA AVENUE, CONTAINING 1,315 SQUARE FEET AND BEING THE FRONT 13.25 FEET, MORE OR LESS, ABUTTING AZALEA AVENUE, AS SET OUT IN THE REPORT OF COMMISSIONERS, RECORDED AUGUST 30, 1967, IN DEED BOOK 1318, PAGE 540, AFORESAID CLERK’S OFFICE, REFERENCE TO WHICH IS MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY.

AND further described in the above Deed of Trust. (Tax Map No. 788-744-8844)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-209915V.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

Trustee’s Sale7141 Sydnor Lane, Mechanicsville,

Virginia 23111(Tax ID No. 8714-93-3628)

Default having been made in the terms of a certain Deed of Trust dated April 21, 2005, in the original principal amount of $292,550.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Hanover, Virginia in Deed Book 2499, at Page 315, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 8:45 a.m., in front of the building housing the Hanover County Circuit Court, Hanover Courthouse, 7507 Library Drive, Hanover, VA, the property designated as Lot 10, Block A, on plat of “Oakley Hill, Section B”, dated February 5, 2003, and recorded in the aforesaid Clerk’s Office in Plat Book 36, Page 665.

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $29,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 93461, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Trustee’s Sale2247 Ives Lane, Richmond, Virginia

23235(Tax ID No. 763696939400000)

Default having been made in the terms of a certain Deed of Trust dated April 17, 2006, in the original principal amount of $143,800.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Chesterfield, Virginia in Deed Book 7066 at page 510, the undersigned Substitute Trustees, will sell at public auction on November 9, 2011, at 12:30 p.m., in front of the building housing the Chesterfield County Circuit Court, 9500 Courthouse Road, Chesterfield, VA, the property designated as Lot 7, Block B, Section 5, of Pocoshock Hills, on plat of subdivision recorded in the aforesaid Clerk’s Office, in Plat Book 47, page 33.

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $14,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92533, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE’S SALE2003 Bethany Ridge Terrace, Richmond,

VA 23236Parcel ID 745693030600000

Pursuant to the terms of a deed of trust dated September 28, 2009, in the original principal amount of $118,709.00, recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, Virginia in Deed Book 8877, Page 679, the property briefly described below will be offered for sale at public auction:

Lot 15, Block B, Solar II, Sec. C, as shown on a plat recorded in the aforesaid Clerk’s Office in Plat Book 40, Page 64, and as more particularly described in the referenced deed of trust.

The sale will take place on NOVEMBER 9, 2011 at 3:30 P.M., at the front entrance to the building housing the Circuit Court of Chesterfield County, located at 9500 Courthouse Road, Chesterfield, VA.

The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property.

Terms: A deposit in the form of CERtIFIED FUNDS in the amount of $11,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose.

Evans & Bryant, PLC, Substitute Trustee

FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1127429).

TRUSTEE’S SALE1127 N. 33rd Street, Richmond, VA 23223

Parcel ID E0000877034

Pursuant to the terms of a deed of trust dated October 25, 2005, in the original principal amount of $119,050.00, recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 050037699, the property briefly described below will be offered for sale at public auction:

Lot 3, as shown on the plat of Church Hill Partnership, Phase 3, recorded in the aforesaid Clerk’s Office in Plat Book 97, Page 60, and as more particularly described in the referenced deed of trust.

The sale will take place on NOVEMBER 9, 2011 at 2:45 P.M., at the front entrance to the building housing the Circuit Court of the City of Richmond, located at 400 N. Ninth Street, Richmond, VA.

The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property.

Terms: A deposit in the form of CERtIFIED FUNDS in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose.

Evans & Bryant, PLC, Substitute Trustee

FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1127430).

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Trustee’s Sale3203 Oak Meadow Lane, Midlothian,

Virginia 23112(Tax ID No. 743686795300000)

Default having been made in the terms of a certain Deed of Trust dated June 19, 2008, in the original principal amount of $121,728.50 and recorded in the Clerk’s Office of the Circuit Court of the County of Chesterfield, Virginia in Deed Book 8396, Page 0034, the undersigned Substitute Trustees, will sell at public auction on November 2, 2011, at 12:30 p.m., in front of the building housing the Chesterfield County Circuit Court, 9500 Courthouse Road, Chesterfield, VA, the property designated as Lot 26, Block C, Section C, Genito Forest, and as more particularly described on a re-subdivision plat dated February 10, 1978, recorded in the aforesaid Clerk’s Office in Plat Book 34, Page 36.Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $12,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee’s Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 83656, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

NOTICE OF TRUSTEE’S SALE 2208 WATTS LANE, RICHMOND, VA 23223 In execution of the Deed of Trust in the original principal amount of $170,500.00 from BERNARD COLEMAN AND BRENDA COLEMAN dated February 07, 2007 recorded in the Clerk’s Office of the Circuit Court of the County of HENRICO, Virginia, Instrument No. 7896, in Deed Book 4287, at page 1022, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Substitute Trustee(s) will offer for sale at public auction At the main entrance of Henrico Circuit Court 4301 E. Parham Rd, Richmond, VA 23228-2745, on October 27, 2011 at 4:15 PM the property described in said Deed of Trust, such property is located at the above address and briefly described as: LOT 18, BLOCK L, SECTION B, FORDHAM VILLAGE SUBDIVISION, WITH IMPROVEMENTS THEREON TERMS OF SALE: CASH: A deposit of $15,000.00, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. Additional terms may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that we are a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. RECONTRUST COMPANY, N.A. AND ALG TRUSTEE, LLC, Substitute Trustee(s) FOR INFORMATION CONTACT: RECONTRUST COMPANY, N.A. 2380 Performance Drive, TX2-985-07-03, Richardson, TX 75082 (800) 281-8219 - Call Between 10:00 a.m. and 5:00 p.m. (CST) OR ALG Trustee, LLC P.O. Box 2548, Leesburg, VA 20175 (703) 777-7101 - Call Between 9:00 a.m. and 11:30 a.m. (EST) (10 -0136319/CONV) (Trustee No. 512207) ASAP# 4095419 10/19/2011, 10/26/2011

NOTICE OF TRUSTEE’S SALE2011 Mansion AvenueCity of Richmond, VA

TAX MAP NO: S0071032025

Default having been made in the payment of the indebtedness secured by a Deed of Trust dated April 7, 2008 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 08-09329, page 249, in the original principal sum of $65,100.00, the Trustee and being required so to do by the Noteholder, in accordance with the provisions of the aforesaid Deed of Trust and after having given notice to the owner of the real estate of the date, time, place and terms of the sale, will offer for sale at public auction on:

NOVEMBER 2, 2011AT 10:00 A. M.

At the main entrance to the building housing the Circuit Court of the City of Richmond, Virginia, located at 400 North Ninth Street, Richmond, VA 23219, all of the above property with any improvements thereon together with any interest the Trustee may have in the Personal Property located on or used in the operation of the Real Property, together, the “Property”. For a more particular description of the property to be sold, reference is made to the aforesaid Deed of Trust.

TERMS OF SALE: CASH. Terms of sale to be complied within 14 days from date of sale or deposit will be forfeited and property will be resold at costs of defaulting purchaser. A deposit of ten percent (10%) of the bid amount in cash or certified check shall be required. All real estate taxes to be adjusted as of date of sale. All costs of conveyance, examination of title, state and local recording fees, grantor taxes, notary fees, etc., to be at cost of purchaser. Settlement shall be within thirty (30) days of the sale date in the offices of the Trustee. Purchaser agrees to pay the Seller’s attorney at settlement, a fee of $295.00 for review of the settlement documents. Time of the essence will pertain to the settlement date.

Sale is subject to post sale confirmation that the borrower did not file for protection under the U. S Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of its deposit, without interest. Additional terms may be announced at the time of sale.

Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information obtained will be used for that purpose.

The Property shall be conveyed by Special Warranty Deed and SUBJECT TO all matters of record, taking priority over the Deed of Trust, if any. The property and the improvements thereon will be sold as is, without representations or warranties of any kind. The Trustee shall have no duty to obtain possession for purchaser. The Purchaser will be required to execute a Contract of Sale concerning the purchase of the Property, a copy of which will be available immediately before announcing the sale.WALTER L. HOOKER, P. C.TRUSTEE 4915 Radford Avenue, Suite 206Richmond, VA 23230(804) 282-9555, ext. 103

TRUSTEE’S SALE OF 7012 ASPEN VIEW DRIVE,

Richmond, VA 23228In execution of a Deed of Trust in the original principal amount of $215,712.00, with an annual interest rate of 6.2500% from JOHN P. CANDO dated September 29, 2006, recorded among the land records of the Circuit Court for the COUNTY OF HENRICO as Deed Book/Instrument #4211 AT PAGE 0782, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Henrico located at 4301 E. Parham Road, Richmond, Virginia on November 10, 2011 at 3:30 PM, the property with improvements to wit:LOT 4, BLOCK B, AS SHOWN ON THE PLAN OF “GLENSIDE WOODS, SECTION 1, BROOKLAND DISTRICT, HENRICO COUNTY, VIRGINIA”, RECORDED APRIL 24, 2006 IN THE CLERK’S OFFICE , CIRCUIT COURT , HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 122 PAGES 60-66.AND further described in the above Deed of Trust. (Tax Map No. 771-748-6274)THIS COMMUNICATION IS FROM A DEBT COLLECTOR.TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-198292D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF9005 LAUREL OAK COURT, Richmond,

VA 23237

In execution of a Deed of Trust in the original principal amount of $121,500.00, with an annual interest rate of 8.4500% from MANUEL CARDOZA dated November 9, 2005, recorded among the land records of the Circuit Court for the COUNTY OF CHESTERFIELD as Deed Book/ Instrument #6786 AT PAGE 468, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Chesterfield located at 9500 Court House Road, Chesterfield, Virginia on November 17, 2011 at 1:00 PM, the property with improvements to wit:

LOT 3, BLOCK A, SECTION 1, OAKMONT, ALL AS SHOWN ON A PLAT ENTITLED “OAKMONT, SECTION ONE, DALE DISTRICT, CHESTERFIELD COUNTY, VIRGINIA”, RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 37, PAGE 4.

AND further described in the above Deed of Trust. (Tax Map No. 785669439100000)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 10-208915V.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777

TRUSTEE’S SALE OF4707 MASON WOODS COURT,

Richmond, VA 23234

In execution of a Deed of Trust in the original principal amount of $113,700.00, with an annual interest rate of 4.8750% from DEBORAH A. PALMER dated March 19, 2009, recorded among the land records of the Circuit Court for the COUNTY OF CHESTERFIELD as Deed Book/ Instrument #8642 AT PAGE 0706, the undersigned appointed Substitute Trustee will offer for sale at public auction at the front of the Circuit Court building for the County of Chesterfield located at 9500 Court House Road, Chesterfield, Virginia on November 10, 2011 at 1:00 PM, the property with improvements to wit:

LOT 1, BLOCK B, SECTION A, MASON WOODS, AS SHOWN ON A PLAT RECORDED OCTOBER 30, 1985, IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 51, PAGES 37 AND 38.

AND further described in the above Deed of Trust. (Tax Map No. 778677968400000)

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $11,300.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee’s File No. 11-220484D.PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O Shapiro & Burson, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, VA 23462 (757) 687-8777