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With Thanksgiving right around the corner, we thought we’d welcome turkey day with a bird pose. The Eagle pose is a standing balance pose that requires focus, strength, and an overall calmness. It is important to use your breath and gaze while in this posture. It will enable you to quiet your mind and eliminate any distractions, allowing for a more stable pose. There are numerous variations of the eagle pose. The below explanation is how Hot House Yoga executes the posture.

Yoga Pose: Eagle

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Please visit hothouseyogi.com for information about class schedules or call (804) 622-0099 to speak with us about beginning a yoga practice.

To start make sure to stand in Mountain Pose, with your arms by your sides. Take a deep breath in extending your arms straight above your head. On the exhalation swing your right arm under your left arm hooking at the elbows. As a modification, you can swing your right under your left arm and grab opposite shoulders. Next, bring your palms together at forehead level with your thumbs toward your face. Begin to bend your knees deeply, and balancing on your left foot, raise the right leg up crossing over the left, making sure to squeeze the thighs. If possible, wrap the right foot around the left calf. If having trouble balancing touch your right toes to the floor and maintain a steady gaze. Keep a bend in the left knee and straighten the spine. Squeeze your elbows into your chest and your chest into your elbows. Squeeze your elbows and squeeze your thighs pulling all of your energy towards your center. Draw your belly in and up, and gaze at the tips of your thumbs. Level your hips and shoulders and continue to breathe evenly. Hold the eagle pose for up to one minute, focusing on your breath and keeping your gaze fixed. To challenge yourself bend the knee even deeper, maintaining a straight spine. Gently unwind your arms and legs and return to Mountain Pose. You will repeat on the opposite side. The Eagle pose is a great way to open your shoulders and back while strengthening your legs. Make sure to hold the pose while focusing on your breath and gaze in order to increase and overall serenity. Work on getting the proper alignment, then work to hold the pose for extended periods.

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Application DeveloperTechnical Lead – Capital One Services, LLC in Richmond, VA; Multiple positions avail: Responsible for the tech design, development, modification, & implementation of computer apps using existing & emerging tech platforms with responsibility for overall delivery of software apps. Requires Bachelor’s or higher degree or foreign equiv in CompSci/Engineering/CIS/rel tech field & 5 yrs of progressive post-baccalaureate app dev exp OR Master’s degree or foreign equiv in CompSci/Engineering/CIS/rel tech field & 2 yrs of app dev exp; & formal edu or work exp in: Coordinating work of others along multiple workstreams; presentation of complex IT concepts & project metrics to both tech & non-tech audiences; .NET; C#; VB.NET; SQL Server; HTML; & XML. Must pass company’s analytical assessment. To apply, visit www.capitalone.com/careers, then search keyword “Application Developer” or requisition ID 727029. Data Management Manager – Capital One Services, LLC in Richmond, VA; Mult pos avail:   Formulate & apply data modeling & optimization to dvlp & interpret info that assists in decision making & dvlpmt of bus solutions. Requires Bachelor’s or higher or foreign equiv in CS/Engineering/CIS/ rel tech OR any combo of acad cswrk evaluated as equiv to US Bachelor’s in CS/ Engineering/ CIS/rel tech field AND 5 years prog post-bac IT exp. Stated or other exp must include: data movement & storage tech; data warehousing; Ab Initio; MVS/DB2; & Unix. Must pass company’s analytical assessment. To apply, visit  www.capitalone.com/ careers, then search keyword “Data Management Manager” or requisition ID 725911.

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TRUSTEE SALE 4813 Queen Carolyn Court, Mechanicsville, VA 23116-6682 Hanover County In execution of a Deed of Trust in the original principal amount of $544,000.00, dated September 21, 2007 recorded in the Clerk’s Office of the Circuit Court of the County Of Hanover, Virginia, in Deed Book 2892, at page 3168, 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 will offer for sale at public auction at the entrance to the Circuit Court Hanover County, Hanover, Virginia, on November 20, 2012 at 9:00 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 20, Scots Landing, Henry District, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-023891-11/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 2827 Goyne Ter, Chester, VA 23831-2163 Chesterfield County In execution of a Deed of Trust in the original principal amount of $115,151.00, dated March 19, 2004recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 5651, at page 281, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 20, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: Unit 28, Westchester Townhouses, Section 1, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

TRUSTEE SALE 1617 Winter Hill Circle, Richmond, VA 23236 Chesterfield County In execution of a Deed of Trust in the original principal amount of $156,200.00, dated April 14, 2008 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield,Virginia, in Deed Book 8288, at page 0967, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 13, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 33, Block A, Winters Hill Place, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-004830-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 10410 Warren Rd, Glen Allen, VA 230603039 Henrico County In execution of a Deed of Trust in the original principal amount of $170,000.00, dated May 25, 2005recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 3889, at page 1810, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 27, Block C, Bretton Woods, Section C, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-000993-09/ FHA) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-021431-10/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www. siwpc.net

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TRUSTEE’S SALE OF 6300 Binns Avenue, Richmond, VA 23225. In execution of a certain deed of trust dated February 09, 2007, in the original principal amount of $127,800.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 070005527, 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 30, 2012, at 11:00 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 TOGETHER WITH ALL IMPROVEMENTS THERON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA (FORMERLY IN MANCHESTER DISTRICT, CHESTERFIELD COUNTY, VIRGINIA) AND KNOWN AS LOT NO. 9, BLOCK Y, IN THE SUBDIVISION OF WARWICK ACRES, SECTION D, AS SHOWN ON PLAT OF SAID SUBDIVISION MADE BY J.K. TIMMONS and ASSOCIATES, C.E., DATED APRIL 18, 1967, RECORDED APRIL 26, 1967, IN PLAT BOOK 15, PAGE 87, IN THE CLERK’S OFFICE OF THE 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.bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)5484600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 137980 A-4323944 11/07/2012, 11/14/2012

TRUSTEE SALE 1703 Ferebee St, Richmond, VA 23222-1524 Henrico County In execution of a Deed of Trust in the original principal amount of $81,225.00, dated March 27, 1996recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 2640, at page 270, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 11, Block D, Springdale, Section B, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

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TRUSTEE’S SALE OF 522 Lowell Street, Richmond, VA 23223. In execution of a certain deed of trust dated January 06, 2006, in the original principal amount of $118,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4044 Page 1109 and re-recorded as DeedBook 4071 Page 0206, 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 16, 2012, at 10:04 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 IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN HENRICO COUNTY, VIRGINIA, AND BEING KNOWN AS LOT 23, BLOCK C, IN SECTION C, OF WYNFIELD SUBDIVISION, ON A CERTAIN PLAN OF SUBDIVISION RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 68, PAGE 27, REFERENCE BEING MADE TO SAID PLAT FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY 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.bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 156779 A-4320696 10/31/2012, 11/07/2012

TRUSTEE SALE 301 Virginia St Unit 906, Richmond, VA 23219-4184

In execution of a Deed of Trust in the original principal amount of $111,498.00, dated September 23, 2010 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4804, at page 1785, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lots 3 and 4, Block G, Plan of Edgehill Lawn, with improvements thereon.

In execution of a Deed of Trust in the original principal amount of $196,000.00, dated July 18, 2008recorded in the Clerk’s Office of the Circuit Court of the City Of Richmond, Virginia, in Instrument 080019705, at page 405, 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 will offer for sale at public auction at the entrance to the John Marshall Courts Building, 400 North 9th Street, Richmond,Virginia, on November 20, 2012 at 2:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Unit 906, Vistas on the James; together with an undivided interest in the common elements.

TRUSTEE SALE 4206 Delmont St, Richmond, VA 23222-1601 Henrico County In execution of a Deed of Trust in the original principal amount of $124,800.00, dated February 20, 2008 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4475, at page 1694, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lots 6 & 7, Block 1, Confederate Heights, with improvements thereon.

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-025576-12/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-023099-12/CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-026127-11/FHA) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 14730 Blue Creek Place, Colonial Heights, VA 23834-6817 Chesterfield County In execution of a Deed of Trust in the original principal amount of $214,200.00, dated November 5, 2007 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, inDeed Book 8073, at page 0335, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 15, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 59, Section Three, Southcreek, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-022040-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 12364 and 12366 Mason Ave, Chester, VA 23831-5012 Chesterfield County In execution of a Deed of Trust in the original principal amount of $66,400.00, dated March 1, 2004 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 5625, at page 524, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 8, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 6, Block A, Grove Place, Section 3, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $5,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-003148-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

[ classifieds ] November 7, 2012

TRUSTEE SALE 5907 Edgelawn Street, Henrico, VA 232314028

TRUSTEE’S SALE OF 4336 Mylan Road, Richmond, VA 23223. In execution of a certain deed of trust dated November 09, 2009, in the original principal amount of $191,468.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4710 Page 2462, 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 30, 2012, 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 40, BLOCK D, SECTION 3, CLARENDON FARMS, AS SHOWN ON SUBDIVISION PLAT PREPARED BY TIMMONS, ENGINEERS, SURVEYORS, PLANNERS, DATED OCTOBER 4, 1999, ENTITLED “CLARENDON FARMS”, WAS RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, ON DECEMBER 7, 1999, IN PLAT BOOK 109, AT PAGES 126-129, 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.bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 156164 A-4320697 10/31/2012, 11/07/2012

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TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-020136-12/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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November 7, 2012 [ classifieds ]

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TRUSTEE’S SALE OF 10178 Williamsville Road, Mechanicville, VA 23116. In execution of a certain deed of trust dated September 10, 2007, in the original principal amount of $533,600.00 recorded in the Clerk’s Office, Circuit Court for Hanover County, Virginia, in Instrument No. 20071012000115490, 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 December 07, 2012, at 9:00 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 LYING AND BEING IN THE HENRY DISTRICT, HANOVER COUNTY, VIRGINIA SHOWN AND DESIGNATED AS PARCEL A, CONTAINING 16.35 ACRES, ALL AS SHOWN ON THE FOLLOWING PLAT, A COPY OF WHICH IS ATTACHED HERETO AND MADE A PART HEREOF, TO WHICH PLAT REFERENCE IS HERBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY HEREBY CONVEYED: SURVEY MADE BY: TOM HARDYMAN INC. DATED: FEBRUARY 11,2003 ENTITLED: SURVEY AND PLAT OF 2 PARCELS OF LAND CONTAINING 16.42 AC. LOCATED ON STATE ROUTE 615, NORTH OF STATE ROUTE 606, HENRY DISTRICT, HANOVER COUNTY, VIRGINIA. AND BEING A PART OF THE SAME PROPERTY CONVEYED TO ROBERT COVINGTON AND THENNIE G. COVINGTON, HIS WIFE, DATED AUGUST 14, 1953, RECORDED SEPTEMBER 5, 1953, IN DEED BOOK 154, PAGE 23, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF HANOVER COUNTY, VIRGINIA. THE AFORESAID CONVEYANCE WAS SUBJECT TO A LIFE ESTATE TO ALICE COVINGTON WHITE. THE SAID ROBERT COVINGTON DIED MAY 17, 1962 AND TITLE BECAME VESTED IN SAID THENNIE G.COVINGTON. THE SAID THENNIE G. COVINGTON WHITE DIED INTESTATE JULY 25, 1967 AND TITLE BECAME VESTED IN HER DAUGHTER ALICE COVINGTON WHITE. THE SAID ALICE COVINGTON WHITE DIED DECEMBER 10, 1995 SURVIVED BY HER TWO LIVING CHILDREN, NAMELY LILLIAN W. HOWARD AND EDITH W. WILLIAMS AND FOUR GRANDCHILDREN (GWENDOLYN L. DANDRIDGE, KENNETH L. LANEY, CHARLES A. LANEY AND BARBARA L. LANEY) OF HER PRE-DECEASED DAUGHTER, ALICE M. LANEY, WHO DIED APRIL21, 1995.BEING THAT SAME LOT OF GROUND CONVEYED TO DAVID K. MARTIN AND CYNTHIA M. MARTIN BY DEED FROM LILLIAN W. HOWARD, EDITH W. WILLIAMS, BARBARA L. LANEY,GWENDOLYN L. DANDRIDGE, KENNETH L. LANEY, AND CHARLES A. LANEY RECORDED JULY 8,2003 IN BOOK 2117 PAGE 421 AMONG THE LAND RECORDS OF HANOVER 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 143025

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TRUSTEE’S SALE OF 3960 Huntwood Road, North Chesterfield AKA Richmond, VA 23235. In execution of a certain deed of trust dated April 28, 2006, in the original principal amount of $155,920.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7100 Page 0430, 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 30, 2012, 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, PIECE OR PARCEL OF LAND WITH THE IMPROVEMENTS THEREON, AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING SITUATE IN CHESTERFIELD COUNTY, VIRGINIA AND SHOWN AS LOT 1, BLOCK D, SECTION C, BEDFORD SUBDIVISION, ON PLAT MADE BY J.K. TIMMONS AND ASSOCIATES, DATED NOVEMBER 8, 1972, AND RECORDED DECEMBER 29, 1972, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA IN PLAT BOOK 10, PAGES 96 AND 97, TO WHICH REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www. bwwsales.com. BWW# 151505

TRUSTEE’S SALE OF 5611 Saddle Hill Drive, Midlothian, VA 23112. In execution of a certain deed of trust dated December 29, 2005, in the original principal amount of $250,267.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 6869 Page 895, 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 30, 2012, 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 APPURTENANCES THERETO BELONGING, LYING AND BEING IN CLOVER HILL DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, AND DESIGNATED AS LOT 31, SADDLE HILL, AS SHOWN ON A PLAT OF SUBDIVISION ENTITLED “SADDLE HILL”, MADE BY J. K. TIMMONS & ASSOCIATES, P.C., ENGINEERS AND SURVEYORS DATED OCTOBER 25, 1988, RECORDED DECEMBER 14, 1988, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 64, PAGES 44 AND 45 (PREVIOUSLY INCORRECTLY REFERRED TO AS PAGES 44 AND 34), REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY 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. bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 151710

TRUSTEE’S SALE OF 11012 Drayton Road, Chester, VA 23831. In execution of a certain deed of trust dated March 29, 2004, in the original principal amount of $145,713.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 5666 Page 933, 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 30, 2012, 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, PIECE OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN BERMUDA DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 46, BLOCK F, ON THE PLAN OF CHIPCHASE AT MINEOLA, SECTION B, A PLAT OF WHICH WAS MADE BY J.K. TIMMONS AND ASSOCIATES, INC, ENGINEERS, SURVEYORS, AND PLANNERS, RICHMOND, VIRGINIA, DATED AUGUST 16, 1984, AND RECORDED AUGUST 24, 1984 IN THE CLERK’S OFFICE, CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA IN PLAT BOOK 47, PAGE 13, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE SAID PROPERTY BEING 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. bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 9616555, website: www.bwwsales.com. BWW# 152463

TRUSTEE’S SALE OF 1207 Walthall Creek Drive, Colonial Heights, VA 23834. In execution of a certain deed of trust dated December 02, 2005, in the original principal amount of $411,620.80 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 6815 Page 350, 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 December 07, 2012, 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, PIECE OR PARCEL OF LAND, TOGETHER WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN BERMUDA MAGISTERIAL DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 7, SECTION 8, SOUTHCREEK, AS SHOWN ON THAT CERTAIN PLAT MADE BY TOWNES SITE ENGINEERING, ENTITLED “SOUTHCREEK, SECTION EIGHT”, DATED JUNE 15, 2004, REVISED JULY 24,2004, RECORDED MARCH 11, 2005, IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 152, PAGES 17 AND 18, 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www. bwwsales.com. BWW# 157535

The Virginia Fair Housing Office offers free informative and interactive seminars to consumers and housing providers. Know more about your rights and responsibilities by learning about The Virginia Fair Housing Laws. If you would like to take part in a seminar, or if you would like to organize a seminar for your group or organization, call us at 804-367-8530.

TRUSTEE’S SALE OF 1505 Mechanicsville Turnpike, Richmond, VA 23223. In execution of a certain deed of trust dated October 15, 1998, in the original principal amount of $45,175.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 980028050 and re-recorded as Instrument No. 980031591, 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 30, 2012, 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 THE IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, COMMONLY KNOWN BY HOUSE NUMBER 1505 MECHANICSVILLE TURNPIKE (FORMERLY KNOWN AS MOSBY STREET) AND BEING BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE EASTERN LINE OF MECHANICSVILLE TURNPIKE, DISTANT 76.67 FEET TO THE INTERSECTION OF THE NORTHERN LINE OF BRAUERS LANE; THENCE EXTENDING NORTHWARDLY ALONG THE EASTERN LINE OF MECHANICSVILLE TURNPIKE AND FRONTING THEREON 30 FEET; THENCE EXTENDING BACK EASTWARDLY FROM SAID FRONT AT RIGHT ANGLES AND BETWEEN PARALLEL LINES 125 FEET TO AN ALLEY IN COMMON 10 FEET WIDE UPON WHICH SAID PROPERTY ABUTS 30 FEET..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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www. bwwsales.com. BWW# 153664

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NOTICE OF TRUSTEE’S SALE OF PROPERTY LOCATED AT 15912 ROWLETT ROAD and 15920 ROWLETT ROAD CHESTERFIELD, VIRGINIA 23838 In execution of a Deed of Trust in the original principal amount of $1,374,000.00 from William B. Duval and Gene H. Duval dated August 2, 2005, recorded August 3, 2005 in Deed Book 6551, Page 561 among the land records for Chesterfield County, Virginia, default having occurred, the Substitute Trustee, who was appointed by the instrument recorded in Deed Book 9568, page 272 among the land records of Chesterfield County, Virginia, at the direction of the secured party, will offer for sale at public auction to the highest bidder, on December 4, 2012, at 10:00 A.M., local time, at the main entrance of the Circuit Court for Chesterfield County, 9500 Courthouse Road, Chesterfield, Virginia 23832-0125, the realty and personalty described in the said Deed of Trust located at the above address and briefly described as: 15912 Rowlett Road, Chesterfield, Virginia 23838, Parcel I.D. #760628210500000 and 15920 Rowlett Road, Chesterfield, Virginia 23838, Parcel I.D. #758628672600000. TERMS OF SALE: Cash. The Property will be auctioned as both individual parcels and as an entirety with the Property to be sold to generate the highest aggregate amount; bidders deposit of not more than $50,000 in cash, certified or cashier’s check may be required with settlement within 15 days or deposit forfeit; the Substitute Trustee reserves the right to waive the bidders deposit, postpone the sale, review the qualifications of all bidders, and/or reject all bids; “AS IS” without representation or warranty of any kind (including but not limited to) any representations regarding zoning, subdivision compliance, access, physical condition, parties in possession, topography, soil type or content, environmental conditions affecting the property, availability of public utilities, freedom from structural defects, construction in a workmanlike manner, and fitness for habitation; any personalty sold WITHOUT ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; sale subject to all other prior liens, conditions, restrictions, rights-of-way, easements, and reservations of record; Additional terms, including the execution of a Memorandum of Sale will be announced at the sale. Time shall be of the essence with respect to all terms. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that we are a debt collector and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: James A. Yergin, Attorney At Law, Substitute Trustee, 5290 Old Alexandria Turnpike, Warrenton, Virginia 20187, (540)207-3293.

NOTICE OF TRUSTEE’S SALE OF PROPERTY LOCATED AT 1109 N. 33RD STREET, 3004 DECATUR STREET, AND 3309 DECATUR STREET RICHMOND, VIRGINIA In execution of a Deed of Trust in the original principal amount of $218,000.00 from Julie Ann Holloman-Karvelis as Trustee on behalf of 1109 N 33RD Street Series, a Series of JAK Properties, a Virginia Business Trust, 3004 Decatur Street Series, a Series of JAK Properties, a Virginia Business Trust, and 3309 Decatur Street Series, a Series of JAK Properties, a Virginia Business Trust dated December 1, 2008, recorded December 1, 2008 as Instrument #080030208 among the land records for the City of Richmond, Virginia, default having occurred, the Substitute Trustee, who was appointed by the instrument recorded as Instrument #12-20035 among the land records of the City of Richmond, Virginia, at the direction of the secured party, will offer for sale at public auction to the highest bidder, on November 13, 2012, at 10:30 A.M., local time, at the main entrance of the Circuit Court for the City of Richmond, 400 North 9th Street Richmond, VA 23219-15407, the realty and personalty described in the said Deed of Trust located at the above address and briefly described as: 1109 N. 33rd Street, 3004 Decatur Street, and 3309 Decatur Street, Richmond, Virginia; Tax Map Nos.: E000-0877/030; S000-1471/006; and S000-2282/013. TERMS OF SALE: Cash. The Properties will be auctioned individually and as an entirety with the sale going to largest aggregate amount; bidders deposit of not more than $50,000 in cash, certified or cashier’s check may be required with settlement within 15 days or deposit forfeit; the Substitute Trustee reserves the right to waive the bidders deposit, postpone the sale, review the qualifications of all bidders, and/or reject all bids; “AS IS” without representation or warranty of any kind (including but not limited to) any representations regarding zoning, subdivision compliance, access, physical condition, parties in possession, topography, soil type or content, environmental conditions affecting the property, availability of public utilities, freedom from structural defects, construction in a workmanlike manner, and fitness for habitation; any personalty sold WITHOUT ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; sale subject to all other prior liens, conditions, restrictions, rights-of-way, easements, and reservations of record; Additional terms, including the execution of a Memorandum of Sale will be announced at the sale. Time shall be of the essence with respect to all terms. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that we are a debt collector and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: James A. Yergin, Substitute Trustee, 5290 Old Alexandria Turnpike, Warrenton, Virginia 20187, (540)207-3293.

TRUSTEE’S SALE OF REAL ESTATE located at 6518 Luther Bosher Lane, Mechanicsville, Virginia In execution of the Deed of Trust from CHARLES C. LIPES, JR. and LORI A. LIPES, dated September 26, 2007, in the Original Principal Amount of $192,500.00, and recorded in Deed Book Inst. 20070927000106840, in the Clerk’s Office of the Circuit Court for the County of Hanover, Virginia, default having occurred in the payment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustee, will sell at public auction at the Front Entrance of the Circuit Court for the County of Hanover on November 15, 2012, at 10:00 a.m., the property described as Lot 49, Block S, Section N, High Point Farms, County of Hanover, Virginia, known as 6518 Luther Bosher Lane, Mechanicsville, Virginia. TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 18,000.00 or 10% of the successful 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 DEPOSIT. 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 COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: October 22, 2012 CECIL G. MOORE, Substitute Trustee(s) 12‑153BF (74.99) 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

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TRUSTEE’S SALE OF 4326 Briarwood Drive, Richmond, VA 23234. In execution of a certain deed of trust dated August 24, 2006, in the original principal amount of $191,950.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7319 Page 0551 and re-recorded as DeedBook 9317 Page 0109, 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 16, 2012, 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 PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON, SITUATED IN DALE DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, DESIGNATED AS LOT 42, ON MAP OF CHESTERWOOD, RECORDED IN PLAT BOOK 8, PAGE 88, IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, AND FURTHER DESCRIBED AS FOLLOWS: COMMENCING AT THE EASTERN EXTREMITY OF AN ARC AT THE NORTHEAST CORNER OF CHESTERWOOD DRIVE AND BRIARWOOD DRIVE; THENCE EASTWARDLY ALONG THE NORTH LINE OF BRIARWOOD DRIVE 146.28 FEET; THENCE N. 19 DEGREES 59’ 40”W. 150 FEET TO THE SOUTHERN LINE OF LOT NO. 28; THENCE WESTWARDLY ALONG SAID LINE 84.21 FEET TO THE EAST LINE OF CHESTERWOOD DRIVE; THENCE SOUTHWARDLY ALONG THE EAST LINE OF CHESTERWOOD DRIVE 142.66 FEET TO THE NORTHERN EXTREMITY OF SAID ARC; THENCE ALONG SAID ARC 43.11 FEET TO THE POINT OF BEGINNING.ALL THAT CERTAIN PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON, SITUATED IN DALE DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, DESIGNATED AS LOT 42, ON MAP OF CHESTERWOOD, RECORDED IN PLAT BOOK 8, PAGE 88, IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, AND FURTHER DESCRIBED AS FOLLOWS: COMMENCING AT THE EASTERN EXTREMITY OF AN ARC AT THE NORTHEAST CORNER OF CHESTERWOOD DRIVE AND BRIARWOOD DRIVE; THENCE EASTWARDLY ALONG THE NORTH LINE OF BRIARWOOD DRIVE 146.28 FEET; THENCE N. 19 DEGREES 59’ 40”W. 150 FEET TO THE SOUTHERN LINE OF LOT NO. 28; THENCE WESTWARDLY ALONG SAID LINE 84.21 FEET TO THE EAST LINE OF CHESTERWOOD DRIVE; THENCE SOUTHWARDLY ALONG THE EAST LINE OF CHESTERWOOD DRIVE 142.66 FEET TO THE NORTHERN EXTREMITY OF SAID ARC; THENCE ALONG SAID ARC 43.11 FEET TO THE POINT 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.bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 49333

TRUSTEE’S SALE OF 4215 Hopkins Road, Richmond, VA 23234. In execution of a certain deed of trust dated October 17, 2005, in the original principal amount of $160,000.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 050036208, 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 30, 2012, 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, LYING AND BEING IN MANCHESTER MAGISTERIAL (ERRONEOUSLY STATED MANAGERIAL) DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, BEING DESIGNATED AS LOT NO. 7, IN BLOCK “F”, ON THE PLAN OF JOHNSON’S FARMS, A PLAT THEREOF DATED FEBRUARY 5, 1953, MADE BY JOHN H. FOSTER, ENGINEER AND SURVEYOR, IS OF RECORD IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 8, PAGE 213, REFERENCE TO WHICH IS HEREBY EXPRESSLY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE LAND 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 157863 A-4323943 11/07/2012, 11/14/2012

Trustee’s Sale 3605 Griffin Avenue, Richmond, Virginia 23222 (Tax ID No. N0160132018) Default having been made in the terms of a certain Deed of Trust dated May 16, 2007, in the original principal amount of $104,000.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 070017124, the undersigned Substitute Trustees, will sell at public auction on November 15, 2012, 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 8, Block A, Plan of North Manor, as shown on a plat of survey recorded in the aforesaid Clerk’s Office in Deed Book 630-C, Page 32. 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 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. 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. 88166, Tel: (757) 321-6465,Between 10:00 a.m. & 12:00 noon only.

TRUSTEE SALE 4684 Twin Hickory Lake Dr., Glen Allen, VA 23059-2587 Henrico County In execution of a Deed of Trust in the original principal amount of $138,208.00, dated July 24, 2003 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 3500, at page 0199, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 8, 2012 at 9:00 o’clock am the property described in said deed, located at the above address and briefly described as: Unit E, Building 11, Phase 11, Holly Glen Condominium at Twin Hickory, together with an undivided interest in the common elements. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-021905-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

[ classifieds ] November 7, 2012

TRUSTEE’S SALE OF 229 Gawain Drive, Richmond, VA 23223. In execution of a certain deed of trust dated February 10, 2005, in the original principal amount of $116,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 3827 Page 0964, 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 30, 2012, at 10:00 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 APPURTENANCES THERETO BELONGING LYING AND BEING IN VARINA DISTRICT, HENRICO COUNTY, VIRGINIA KNOWN AND NUMBERED AND DESIGNATED AS LOT NO. 38, IN BLOCK “X” OF SECTION 12, ALL AS, SHOWN ON THE PLAT ENTITLED “HECHLER VILLAGE, SECTION 12, VARINA DISTRICT, HENRICO COUNTY, VIRGINIA” MADE BY , LAPRADE BROS. CIVIL ENGINEERS AND SURVEYORS, DATED JANUARY 15, 1970 AND RECORDED JULY 15, 1970, IN THE CLERK’S OFFICE, CIRCUIT COURT, COUNTY OF HENRICO, VIRGINIA IN PLAT BOOK 42, PAGES 24, 25, 26 AND 27 AND TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE LOT HEREINABOVE REFERENCED.. 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 39041

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TRUSTEE SALE 908 Farnley Court, Richmond, VA 23223-2145 Henrico County In execution of a Deed of Trust in the original principal amount of $203,000.00, dated September 8, 2006 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4202, at page 2323, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under­ signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 13, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 14, Block B, Glenwood Lakes, Section 1, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 post­sale confirmation 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-009212-10/ FHA) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757­457­1460 ­ Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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 L aw 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

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November 7, 2012 [ classifieds ]

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TRUSTEE’S SALE OF 9631 Rainbrook Drive, Richmond, VA 23238. In execution of a certain deed of trust dated September 11, 2006, in the original principal amount of $11,400.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4204 Page 2123, 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 30, 2012, 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, TOGETHER WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN TUCKAHOE DISTRICT, COUNTY OF HENRICO, VIRGINIA, AND BEING KNOWN AS LOT 26, BLOCK B, SECTION 3, RAINBROOK, ON THAT CERTAIN PLAT MADE BY LEWIS AND OWENS, INC., DATED NOVEMBER 30, 1976, AND RECORDED MARCH 9, 1977, IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA IN PLAT BOOK 65, PAGES 12 AND 13, REFERENCE BEING MADE TO SUCH RECORDED PLAT 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. The property is sold subject to all deeds of trust, easements, covenants, conditions and liens of record. 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 140368

TRUSTEE’S SALE OF 4603 Hillbrook Avenue, Richmond, VA 23231. In execution of a certain deed of trust dated August 10, 2006, in the original principal amount of $104,500.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4180 Page 2149, and modified on August 01, 2009, to increase the principal balance to $123,154.47. This modification agreement was recorded in Deed Book 4714, Page 1662, 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 30, 2012, 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 PARCEL OF LAND, TOGETHER WITH IMPROVEMENTS THEREON AND APPURTENANCES THERETO, BELONGING, LYING AND BEING IN HENRICO COUNTY, VIRGINIA, KNOWN AND DESIGNATED AS LOT 14, BLOCK B, SECTION A, VILLAGE GREEN SUBDIVISION, PLAT OF WHICH IS MADE BY BREMNER, YOUNGBLOOD, SHARP, INC. DATED APRIL 20, 1976, RECORDED AUGUST 16, 1976, IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 62, PAGE 55. BEING THE SAME REAL ESTATE CONVEYED TO DONALD E. BROWN AND ROSA P. BROWN, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETIES WITH THE RIGHT OF SURVIVORSHIP AS AT COMMON LAW, BY DEED FROM BARTHOLOMEW MOSS AND ROBIN L. POPE-MOSS, DATED MARCH 4, 1992, IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN DEED BOOK 2340, PAGE 1699..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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 132755

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TRUSTEE’S SALE OF 9831 Kevken Drive, Richmond, VA 23237. In execution of a certain deed of trust dated May 25, 2006, in the original principal amount of $192,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7142 Page 0881, 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 December 07, 2012, 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 THE IMPROVEMENTS THEREON AND THE APPURTENANCES THERETO BELONGING, LYING AND BEING IN MATOACA DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, CONTAINING 1.00 ACRE, DESIGNATED AS PARCEL 5-A ON A PLAT OF SURVEY ENTITLED “IMPROVEMENTS ON PARCEL 5-A MAPLE SPRING ESTATES MATOACA DISTRICT, CHESTERFIELD COUNTY, VIRGINIA”, MADE BY HARVEY L. PARKS, INC., DATED JULY 17, 1985, IS RECORDED IN THE AFOREMENTIONED CLERK’S OFFICE. TOGETHER WITH A NON-EXCLUSIVE, PERPETUAL RIGHT OF INGRESS AND EGRESS FROM CENTRALIA ROAD TO THE PROPERTY CONVEYED THEREIN, UPON, OVER AND ACROSS A 50’STRIP OF LAND, A PART OF WHICH IS DESIGNATED AS KEVKEN DRIVE, AND PART OF WHICH IS DESIGNATED AS EXSCINDING PRIVATE ROAD, ALL AS IS MORE PARTICULARLY SHOWN ON SUBDIVISION PLAT OF “MAPLE SPRINGS ESTATES; A PRIVATE ROAD SUBDIVISION”MADE BY HARVEY L. PARKS, INC., LAND SURVEYORS, DATED AUGUST 27, 1984, REVISED SEPTEMBER 25, 1984, AND RECORDED IN THE AFOREMENTIONED CLERK’S OFFICE, IN PLAT BOOK 48, PAGE 12. BEING THE SAME REAL ESTATE CONVEYED TO RODNEY WILLIAMS AND SHARON WILLIAMS, HUSBAND AND WIFE BY DEED FROM MELVIN W. SIMMONS AND WANDA P. SIMMONS, HUSBAND AND WIFE, DATED MAY 9, 2006 AND RECORDED IMMEDIATELY PRIOR HERETO IN THE CLERK’S OFFICE, CIRCUIT COURT, COUNTY OF CHESTERFIELD, 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www. bwwsales.com. BWW# 131235

TRUSTEE’S SALE OF 9250 Redbridge Road, North Chesterfield AKA Richmond, VA 23236. In execution of a certain deed of trust dated October 17, 2006, in the original principal amount of $221,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7431 Page 0448, 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 16, 2012, at 12:01 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: LOT 20 IN BLOCK D, SECTION C, SCOTTINGHAM AS THE SAME IS DULY DEDICATED, PLATTED AND RECORDED IN PLAT BOOK 18 AT PAGE 10 AMONG THE LAND RECORDS OF 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 60183

V I R G I N IA : IN THE CIRCUIT COURT FOR THE CITY OF RICHMOND John Marshall Courts Building MELVIN ARCHER, ADMINISTRATOR OF THE ESTATE OF WALTER JAMES BISCHOFF, Complainant v. Case Number: CL12-4249-4 CHRISTOPHER AYERS, et al. And UNKNOWN HEIRS AND DISTRIBUTEES OF WALTER JAMES BISCHOFF (“Parties Unknown”), Respondents. ORDER OF PUBLICATION The object of the above styled action is to obtain an Order of Declaratory Judgment determining the proper heirs or distributees of the Estate of Walter James Bischoff. And it appearing by affidavit filed according to the law of this Commonwealth that there are or may be persons, whose names are unknown, interested in the subject of this action, who have been made defendants to this action by the general description of “parties unknown”, It is hereby ORDERED, ADJUDGED and DECREED that the said parties unknown, namely those persons who may claim to be an heir or beneficiary of the Walter James Bischoff who died intestate on August 1, 2009, having last resided in the City of Richmond, Virginia do appear before this Court on or before November 15, 2012, in the Clerk’s Office of this Court and do what is necessary to protect their interests. Entered this 4th day of October, 2012 Richard D. Taylor, Jr., Judge An Extract Teste: Bevil M. Dean, Clerk I asked for this: Christopher W. McDonald, Esquire (VSB# 33092) McDonald, Sutton & DuVal, PLC 5516 Falmouth Street, Suite 108 Richmond, Virginia 23230 (804) 643-0000 Telephone (804) 788-4427 Facsimile CMcDonald@McDonaldSutton.com Counsel for Melvin Archer, Administrator

TRUSTEE’S SALE OF 2409 Wright Avenue, Richmond, VA 23224. In execution of a certain deed of trust dated March 06, 2006, in the original principal amount of $58,650.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 060008108, 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 30, 2012, at 11:00 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, LYING AND BEING IN THE CITY OF RICHMOND, VIRGINIA, FORMERLY CHESTERFIELD COUNTY, VIRGINIA, KNOWN AS HOUSE NUMBER 2409 WRIGHT AVENUE, FORMERLY CARSON AVENUE, AND BEING DESIGNATED AS LOT 16 OF SQUARE 7 ON THE PLAT OF MELROSE, AS RECORDED IN PLAT BOOK 1, PAGES 322 AND 323, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA AND MORE PARTICULARLY DESCRIBED AS FRONTING 50 FEET ON THE NORTHERN LINE OF WRIGHT AVENUE, BEGINNING 200 FEET FROM THE WESTERN LINE OF 2ND STREET, NOW LYNHAVEN AVENUE, AND FRONTING TOWARD THE RICHMOND AND PETERSBURG PIKE, THENCE RUNNING BACK BETWEEN PARALLEL LINES 137 FEET TO AN ALLEY 16 FEET WIDE..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. bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 9616555, website: www.bwwsales.com. BWW# 52366

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TRUSTEE’S SALE OF 8806 Cherokee Road, Richmond, VA 23235. In execution of a certain deed of trust dated December 14, 2006, in the original principal amount of $225,750.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 070000378, 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 16, 2012, at 11:00 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 ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, NO. 8806 CHEROKEE ROAD, IN THE CITY OF RICHMOND (FORMERLY MIDLOTHIAN DISTRICT, CHESTERFIELD COUNTY), VIRGINIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO-WIT: BEGINNING AT AN IRON ROD AT THE INTERSECTION OF THE NORTHERN LINE OF CHEROKEE ROAD AND THE WESTERN LINE OF KNOB ROAD; THENCE N. 74 DEGREES W. ALONG THE NORTHERN LINE OF CHEROKEE ROAD 204 FEET MORE OR LESS, TO AN IRON ROD ON THE BANK OF A CREEK; THENCE NORTHWARDLY DOWN SAID CREEK AS IT MEANDERS 220 FEET MORE OR LESS, TO AN IRON ROD IN SAID CREEK; THENCE S. 79 DEGREES 37’ E. 188 FEET MORE OR LESS, TO AN IRON ROD ON THE WESTERN LINE OF KNOB ROAD; AND THENCE S. 10 DEGREES 23’ W. ALONG THE SAID WESTERN LINE OF KNOB ROAD 228 FEET TO THE POINT OF BEGINNING; CONTAINING ONE ACRE, MORE OR LESS, AS SHOWN ON PLAT OF SURVEY MADE BY G. M. STEPHENS, JR., C.L.S., DATED SEPTEMBER 2, 1954. BEING KNOWN AS PARCEL NUMBER: C0010294-004..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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 80630

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VIRGINIA: IN THE CIRCUIT COURT OF THE COUNTY OF CHESTERFIELD AUBREY J. RAMPERSANT, Plaintiff, Case No: CL08-07-02 SYLVIA S. RAMPERSANT, Defendant, ORDER OF PUBLICATION October 10, 2012 The object of this suit is to obtain a divorce from the bond of matrimony on the grounds that the parties have lived separate and apart continuously without any cohabitation and without any interruption since September 17, 2004, a period of more than one year. It is Ordered that the defendant, whose whereabouts is unknown, appear on or before December 12, 2012 at 9:00 a.m. to protect her interests. AN EXTRACT TESTE: JUDY L. WORTHINGTON, CLERK I ASK FOR THIS: Judy L. August, Esquire Counsel for the Plaintiff/Aubrey J. Rampersant 7206 Hull Street Road, Suite 107 Richmond, VA 23235 Telephone: (804) 232-2472 Facsimile: (804) 745-7118 VSB#: 23753

Trustee’s Sale 6716 Wilmoth Drive, Richmond, Virginia 23234 (Tax ID No. 772679882700000) Default having been made in the terms of a certain Deed of Trust dated July 11, 2007, in the original principal amount of $150,000.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Chesterfield, Virginia in Deed Book 7927, at Page 0117, the undersigned Substitute Trustees will sell at public auction on November 29, 2012, 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 11, Section 2, Plan of Ampthill Gardens, as recorded in Plat Book No. 7, Pages 92 and 93, in the aforesaid Clerk’s Office. 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 $15,000.00 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 ofwww. 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. 97033, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE SALE 2410-2412 Willis Rd, Richmond, VA 232374608 Chesterfield County In execution of a Deed of Trust in the original principal amount of $160,000.00, dated May 16, 2007recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 7797, at page 0384, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 20, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: SURVEY & MAP OF PREMISES KNOWN AS 2410 & 2412 WILLIS ROAD, IN CHESTERFIELD COUNTY, VIRGINIA RECORDED IN DEED BOOK 1649, PAGE 458, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-012061-12/CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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TRUSTEE SALE 18313 Shiloh Church Road, Beaverdam, VA 23015-1232 Hanover County In execution of a Deed of Trust in the original principal amount of $245,000.00, dated January 7, 2009 recorded in the Clerk’s Office of the Circuit Court of the County Of Hanover, Virginia, in Deed Book 2933, at page 2888, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under­ signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Hanover County, Hanover, Virginia, on November 13, 2012 at 9:00 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 13, Fleming’s Hill Estates, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 post­sale confirmation 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-025516-11/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757­457­1460 ­ Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 7084 White Pine Lane, Mechanicsville, VA 23111-5033 Hanover County In execution of a Deed of Trust in the original principal amount of $157,600.00, dated April 26, 2010recorded in the Clerk’s Office of the Circuit Court of the County Of Hanover, Virginia, in Deed Book 2975, at page 1283, 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 will offer for sale at public auction at the entrance to the Circuit Court Hanover County, Hanover, Virginia, on November 20, 2012 at 9:00 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 10, Block AA, Section L, High Point Farms, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-026764-12/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www. siwpc.net

TRUSTEE SALE 130 Rosegill Rd, Richmond, VA 23236-2747 Chesterfield County In execution of a Deed of Trust in the original principal amount of $175,500.00, dated February 28, 2008 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, inDeed Book 8220, at page 0312, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 8, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 8, Block E, Archway, Section C, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-007024-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 2304 Fernbrook Drive, Richmond, Virginia 23224 (Tax ID No. C0080337020) Default having been made in the terms of a certain Deed of Trust dated May 21, 1999, in the modified principal amount of $57,893.96 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 990014872 as amended by modification agreements recorded as Instrument No. 050038194, and as Instrument No. 070022334, the undersigned Substitute Trustees will sell at public auction on November 19, 2012, 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 8, Block H, on the Plan of Hollandale, Section E, plat of which is dated July 12, 1955, and recorded July 22, 1955, in the Clerk’s Office of the Circuit Court of Chesterfield County, Virginia, in Plat Book 9, page 60. Saleis 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 $5,500.00 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 ofwww. 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. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 54223, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only

TRUSTEE SALE 17406 Round Rock Ct, Chesterfield, VA 23838-6059 Chesterfield County In execution of a Deed of Trust in the original principal amount of $288,500.00, dated May 20, 2009 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 8721, at page 0001, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 8, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 55, Section 1, Swift Creek Estates, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-023004-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 2003 Barton Avenue, Richmond, Virginia 23222 (Tax ID No. N0000409005) Default having been made in the terms of a certain Deed of Trust dated August 31, 2006, in the original principal amount of $170,000.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument Number 060030695, the undersigned Substitute Trustees will sell at public auction on November 19, 2012, 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 east line of Barton Avenue which point is 50 feet south of the intersection of the east line of Barton Avenue with the south line of Home Street, and from said point of beginning running south and fronting on Barton Avenue, a distance of 50 feet and from said front extending eastwardly between parallel lines a distance of 117.50 feet to an alley 12 feet wide. 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 $17,000.00 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 theForeclosure 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. 92093, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

[ classifieds ] November 7, 2012

Trustee’s Sale 1119 Penobscot Road, Richmond a/k/a Henrico, Virginia 23227 (Tax ID No. 788-757-1815) Default having been made in the terms of a certain Deed of Trust dated April 18, 1986, in the modified principal amount of $51,754.65 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 2000, at Page 4 and modified modification agreements recorded in Deed Book 4338, at Page 0141, and in Deed Book 4866, at Page 0677, the undersigned Substitute Trustees, will sell at public auction on December 6, 2012, 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 4, Block M, Section C, in the subdivision of Wildwood, plat of said property dated November 15, 1951, recorded in the aforesaid Clerk’s Office in Plat Book 23, 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 $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. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 49174, Tel: (757) 3216465, Between 10:00 a.m. & 12:00 noon only.

or email

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TRUSTEE’S SALE OF 10531 Chieftain Trail, Richmond, VA 23236. In execution of a certain deed of trust dated October 06, 2006, in the original principal amount of $154,400.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7418 Page 0169, 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 30, 2012, at 12:00 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL OF THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ALL THE IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN MIDLOTHIAN DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, AND DESIGNATED AS LOT 7, BLOCK D, ON PLAT ENTITLED “ARROWHEAD, SECTION 2, MIDLOTHIAN DISTRICT, CHESTERFIELD CP., VA “, MADE BY J.K. TIMMONS, CIVIL ENGINEERS, DATED NOVEMBER 12, 1964, RECORDED DECEMBER 2, 1964, CLERK’S OFFICE, CIRCUIT COURT OF THE COUNTY OF CHESTERFIELD, VIRGINIA IN PLAT BOOK 14, PAGE 34 AND 35, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www. bwwsales.com BWW# 111747

TRUSTEE SALE 6427 Midday Lane, Mechanicsville, VA 23111-4648 Hanover County In execution of a Deed of Trust in the original principal amount of $314,500.00, dated January 18, 2006 recorded in the Clerk’s Office of the Circuit Court of the County Of Hanover, Virginia, in Deed Book 2652, at page 765, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under­ signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Hanover County, Hanover, Virginia, on November 13, 2012 at 9:00 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 2, Block B, as shown on a plan entitled “Sherrington Section 1”dated June 14, 1999, in Subdivision Plat Book 8, Page 435, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 post­sale confirmation 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-024927-11/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757­457­1460 ­ Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

(804)358-2100

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TRUSTEE SALE 4227 Briarwood Dr, Richmond, VA 23234-5403 Chesterfield County In execution of a Deed of Trust in the original principal amount of $115,500.00, dated September 25, 2009 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, inDeed Book 8879, at page 0384, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 15, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 51, Chesterwood, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-017141-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

November 7, 2012 [ classifieds ]

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TRUSTEE SALE 7405 Landsworth Ave, Richmond, VA 23228 Henrico County In execution of a Deed of Trust in the original principal amount of $148,500.00, dated November 15, 2006 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico,Virginia, in Deed Book 4257, at page 0786, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: LOT 12, BLOCK B, ON THE PLAN OF STUART RIDGE, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

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TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01001113-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 5500 Brooks Circle, Richmond a/k/a Henrico, Virginia 23223 (Tax ID No. 816-723-4779) Default having been made in the terms of a certain Deed of Trust dated October 31, 1985, in the original principal amount of $60,850.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 1978, at page 210, the undersigned Substitute Trustees will sell at public auction on November 29, 2012, 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 15, Block E, Section D, Beth Dale, on plat of survey dated April 3, 1984, recorded in the aforesaid Clerk’s Office in Plat Book 78, page 47. 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’sSale, 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. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 56079, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE SALE 14412 Camack Trl, Midlothian, VA 231144329 Chesterfield County In execution of a Deed of Trust in the original principal amount of $328,000.00, dated March 5, 2007recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 7663, at page 0101, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 20, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 56, Tanner Village, Section A, Charter Colony, with improvements thereon.

TRUSTEE SALE 8703 Tarrytown Dr, Richmond, VA 23229-7133 Henrico County In execution of a Deed of Trust in the original principal amount of $245,000.00, dated May 7, 2004recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico,Virginia, in Deed Book 3677, at page 0563, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 29, 2012 at 9:00 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 1, Block A, Sleepy Hollow West Subdivision, with improvements thereon. Less and except that portion of the land described in DB 2120 at page 434.

TRUSTEE SALE 11020 Forest Trace Way, Glen Allen, VA 23059 Henrico County In execution of a Deed of Trust in the original principal amount of $221,600.00, dated June 30, 2007recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4395, at page 1252, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 11, Block A, Section 1, Plat of Forest Trace, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-017155-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-019678-12/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-024923-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 2605 Chatham Woods Drive, Richmond, VA 23233-1637 Henrico County In execution of a Deed of Trust in the original principal amount of $255,000.00, dated January 29, 2008 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4466, at page 0746, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 2, Block B, Chatham Woods, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-025390-09/CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 3200 4th Avenue, Richmond, Virginia 23222 (Tax ID No. N0051079018) Default having been made in the terms of a certain Deed of Trust dated February 22, 2000, in the original principal amount of $20,000.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 000004355, the undersigned Substitute Trustees will sell at public auction on November 8, 2012, 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 29 and 30, Block C, on the Plan of Highland Park Addition, which plan is recorded in the Clerk’s Office of the Circuit Court of Henrico County, Virginia, in Plat Book 10, Page 45. 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$2,000.00 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. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 95222, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only

TRUSTEE SALE 5605 Eagle Lake Dr, Glen Allen, VA 23060-6373 Henrico County In execution of a Deed of Trust in the original principal amount of $113,600.00, dated November 27, 2000 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 3049, at page 197, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 9, Block A, Section A, Linsey Lakes, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-026264-10/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 6610 E. Davista Avenue, Richmond a/k/a Henrico, Virginia 23228 (Tax ID No. 773-746-2343) Default having been made in the terms of a certain Deed of Trust dated April 26, 1988, in the original principal amount of $43,690.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Henrico, Virginia in Deed Book 2129, at Page 239, the undersigned Substitute Trustees, will sell at public auction on December 6, 2012, 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 37 and part of Lot 38, Davista Park, all as shown on a plat of survey dated April 14, 1970, recorded April 23, 1970, in the aforesaid Clerk’s Office in Deed Book 1425, Pages 264 and 265. 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 $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, VA23510, File No. 94892, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE’S SALE OF REAL ESTATE located at 9601 Links Way, Unit G, Glen Allen, Virginia In execution of the Deed of Trust from THOMAS PITT, AKA THOMAS A. PITT and MARY ELIZABETH PITT, dated May 26, 2006, in the Original Principal Amount of $174,096.00, and recorded in Deed Book 4129, page 1311, in the Clerk’s Office of the Circuit Court for the County of Henrico, Virginia, default having occurred in the payment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustee, will sell at public auction at the Front Entrance of the Circuit Court for the County of Henrico on November 15, 2012, at 10:45 a.m., the property described as Unit 9601 G Links Lane, Model E, Type 2 Building, The Links Condominium, County of Henrico, Virginia, known as 9601 Links Way, Unit G, Glen Allen, Virginia. TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 17,000.00 or 10% of the successful 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 DEPOSIT. 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 COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: October 22, 2012 CECIL G. MOORE, Substitute Trustee(s) 12‑212BF (76.60) 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 NOTICE OF TRUSTEE’S SALE 9441 Deer Stream Drive, Mechanicsville, VA 23116 In execution of a Deed of Trust in the original principal amount of $300,000, dated June 13, 2008, recorded at Deed Book 2919, Page 479, in the Clerk’s Office of the Circuit Court of Hanover County, 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 30, 2012, at 2:00 p.m., at the entrance of the Circuit Court of Hanover County, Virginia, 7507 Library Drive, Hanover, VA 23069, offer for sale at public auction to the highest bidder the property described in said deed, with improvements thereon, and briefly described as: ALL that certain lot, piece or parcel of land, with improvements thereon, lying and being in Chickahominy District, Hanover County, Virginia, designated as Lot 13, Block B, Section A, Deer Valley, all as more particularly shown on plat of survey dated August 11, 1997, recorded June 22, 1998, in the Clerk’s Office, Circuit Court, Hanover County, Virginia, in Subdivision Plat Book 8, page 295, and known as 9441 Deer Stream Drive, Mechanicsville, VA 23116 (Tax Map Ref. No. 7796-49-4379). This is a real property foreclosure sale under a subordinate deed of trust and the sale is subject to a senior deed of trust. Deposit of $10,000 or 10% of purchase price, whichever is lower, by cash or certified check shall be required to qualify as a bidder prior to the sale, except from the Noteholder. Settlement will be held on or before fifteen days after the sale. 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. The property shall be sold“as is”and shall be conveyed by Special Warranty Deed subject to all liens, encumbrances, mechanic’s liens filed and unfiled, conditions, restrictions, easements and reservations, if any, superior to the deed of trust foreclosed upon and lawfully affecting the property. All taxes to be prorated as of the date of foreclosure. Additional terms may be announced at the sale. The purchaser shall be required to sign a Memorandum of Sale incorporating all the terms of the sale. PURSUANT TO THE FEDERAL FAIR DEB COLLECTION PRACTICES ACT, I HEREBY ADVISE YOU THAT I AM A DEBT COLLECTOR AND ANY INFORMATION I OBTAIN WILL BE USED FOR THAT PURPOSE. ROBERT F. MOORMAN SUBSTITUTE TRUSTEE FOR MORE INFORMATION CONTACT: ROBERT F. MOORMAN 1427-A West MAIN STREET RICHMOND, VA 23220 (804) 938-5144

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TRUSTEE’S SALE OF 1531 N 20th Street, Richmond, VA 23223. In execution of a certain deed of trust dated April 05, 2005, in the original principal amount of $52,800.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 050010915, 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 16, 2012, 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 ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING, BEING AND SITUATE IN THE CITY OF RICHMOND, VIRGINIA, KNOWN AS NUMBER 1531 NORTH 20TH STREET, AND FURTHER DESIGNATED AS LOT 9, IN BLOCK C, ON THE MAP OF LOTS ON BOTH SIDES OF 20TH STREET BETWEEN “U” STREET AND BRAUER’S LANE, MADE BY CHARLES H. FLEET, C.C.E., DATED OCTOBER 24, 1939, AND RECORDED IN THE CLERK’S OFFICE, CHANCERY COURT OF THE CITY OF RICHMOND, VIRGINIA, IN PLAT BOOK 7, PAGE 204, AND AS FURTHER DESCRIBED BY PLAT OF SURVEY MADE BY BASELINE LAND SURVEYING ENTITLED “PLAT SHOWING NUMBER 1531 NORTH 20TH STREET, RICHMOND, VIRGINIA,” DATED MAY 9, 2000, A COPY OF WHICH PLAT IS ATTACHED HERETO AND MADE A PART HEREOF, FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY 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. bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 133450

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TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-025746-12/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

NOTICE OF TRUSTEE’S SALE OF PROPERTY LOCATED AT 15510 Rowlett Road Chesterfield, Virginia 23838 In execution of a Deed of Trust in the original principal amount of $160,000.00 from William B. Duval dated August 29, 2008, and recorded August 29, 2008 in Deed Book 8447 at Page 923 among the land records for Chesterfield County, Virginia, default having occurred, the Substitute Trustee, who was appointed by the instrument recorded in Deed Book 9568, page 269 among the land records of Chesterfield County, Virginia, at the direction of the secured party, will offer for sale at public auction to the highest bidder, on December 4, at 10:15 A.M., local time, at the main entrance of the Circuit Court for Chesterfield County, 9500 Courthouse Road, Chesterfield, Virginia 23832-0125, the realty and personalty described in the said Deed of Trust located at the above address and briefly described as: 15510 Rowlett Road, Chesterfield, Virginia 23838, Parcel I.D. #760629360800000. TERMS OF SALE: Cash. The Property will be auctioned as an entirety with the Property to be sold to the highest bidder; bidders deposit of not more than $50,000 in cash, certified or cashier’s check may be required with settlement within 15 days or deposit forfeit; the Substitute Trustee reserves the right to waive the bidders deposit, postpone the sale, review the qualifications of all bidders, and/or reject all bids; “AS IS” without representation or warranty of any kind (including but not limited to) any representations regarding zoning, subdivision compliance, access, physical condition, parties in possession, topography, soil type or content, environmental conditions affecting the property, availability of public utilities, freedom from structural defects, construction in a workmanlike manner, and fitness for habitation; any personalty sold WITHOUT ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; sale subject to all other prior liens, conditions, restrictions, rights-of-way, easements, and reservations of record; Additional terms, including the execution of a Memorandum of Sale will be announced at the sale. Time shall be of the essence with respect to all terms. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that we are a debt collector and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: James A. Yergin, Attorney At Law, Substitute Trustee, 5290 Old Alexandria Turnpike, Warrenton, Virginia 20187, (540)207-3293.

TRUSTEE’S SALE OF 905 Pinewood Drive, Richmond, VA 23238. In execution of a certain deed of trust dated October 03, 2006, in the original principal amount of $195,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Instrument No. 200606056530, 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 30, 2012, at 10:00 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 APPURTENANCES THERETO BELONGING, LYING AND BEING IN HENRICO COUNTY, VIRGINIA, KNOWN AND DESIGNATED AS LOT 11 , BLOCK A, PATTERSON WEST, AS SHOWN ON THE SUBDIVISION PLAT OF PATTERSON WEST MADE BY LEWIS AND OWENS, ENGINEERS AND SURVEYORS, DATED MAY 11, 1978, RECORDED MARCH 6, 1979, CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 68, PAGE 98, AND TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www. bwwsales.com. BWW# 133088

V I R G I N I A: IN THE CIRCUIT COURT OF THE CITY OF RICHMOND The John Marshall Courts Building

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TRUSTEE’S SALE OF 913 Wheelwood Way, Richmond, VA 23223. In execution of a certain deed of trust dated November 08, 2005, in the original principal amount of $161,250.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4011 Page 0827, 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 16, 2012, 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 IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN VARINA DISTRICT OF HENRICO COUNTY, VIRGINIA, KNOWN AND DESIGNATED AS LOT 25, BLOCK B, SECTION B OF HUNTWOOD AS MORE PARTICULARLY SHOWN ON A PLAT OF SUBDIVISION ENTITLED “HUNTWOOD SECTION B”, PREPARED BY FOSTER & MILLER, P.C., ENGINEERS, SURVEYORS, PLANNERS DATED AUGUST 19, 1997, RECORDED OCTOBER 9, 1997, IN PLAT BOOK 105, PAGES 84 AND 85, IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF HENRICO 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 152598

TRUSTEE’S SALE OF 3300 Dorset Road, Richmond, VA 23234. In execution of a certain deed of trust dated June 22, 2007, in the original principal amount of $134,400.00 recorded in the Clerk’s Office, Circuit Court for Richmond City, Virginia, in Instrument No. 070021806, 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 30, 2012, 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 OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN THE CITY OF RICHMOND (FORMERLY MANCHESTER DISTRICT, CHESTERFIELD COUNTY), VIRGINIA, AND DESIGNATED AS LOT 48 OF CHESTERFIELD COURT, AS SHOWN ON A CERTAIN PLAT PREPARED BY W.W. LAPRADE & BROS., CIVIL ENGINEERS & SURVEYORS, DATED APRIL 12, 1945, AND RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 8, PAGE 48, 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 140377

MIDDLEBURG TRUST COMPANY (formerly, The Tredegar Trust Company), Trustee of the Hugh B. Southerland Revocable Trust Plaintiff, v. MARGUERITE SOUTHERLAND, et. al, Defendants. Case no. CL12-4250-5 ORDER OF PUBLICATION The object of this suit is to seek the aid and guidance of the Court and affect the resignation of Middleburg Trust Company as a Trustee of the High B. Southland Revocable Trust, of which the named defendants are beneficiaries. It appearing by affidavit filed according to the law that diligence has been used without effect to ascertain the location of the individuals named hereafter for purposes of directing service of process in this action, it is ORDERED that the following, if living, and all of the possible unknown heirs, devisees, or successors in title to those of the following who may be deceased, whose whereabouts are unknown, appear on or before November 21, 2012, at 9am, in the Clerk’s Office of this Court and do what is necessary to protect their interests: Donald Southerland, Douglas Southerland, Susan Hudson, and Rosa A. Mosher. An Extract, Teste: Bevill M. Dean, Clerk

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TRUSTEE’S SALE OF 1303 Maryland Avenue, Glen Allen, VA 23060. In execution of a certain deed of trust dated October 20, 2006, in the original principal amount of $148,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4228 Page 1388, 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 16, 2012, at 10:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: THOSE TWO CERTAIN LOTS, PIECES OR PARCELS OF LAND LYING IN BROOKLAND MAGISTERIAL DISTRICT DISTRICT OF THE COUNTY OF HENRICO, STATE OF VIRGINIA, KNOWN, NUMBERED DESIGNATED AS LOTS EIGHT (8) AND NINE (9) IN BLOCK TWENTY-FOUR (24), AS SHOWN ON PLAT OF OLD DOMINION DEVELOPMENT CORPORATION OF THE PROPERTY KNOWN AS “BILTMORE,” WHICH PLAT IS DULY RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, IN PLAT BOOK 12, PAGES 78 AND 79, REFERENCE TO WHICH IS NOW AND HEREBY MADE FOR A FULL DESCRIPTION OF SAID LOT WHICH IS HEREBY DESCRIBED AS FOLLOWS, FRONTING ONE HUNDRED (100) FEET ON THE SOUTHSIDE OF MARYLAND AVENUE, AND EXTENDING SOUTH BETWEEN PARALLEL LINES OF EVEN WIDTH, A DISTANCE OF ONE HUNDRED AND FIFTY (150) FEET.. 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 135454

V I R G I N I A: IN THE CIRCUIT COURT FOR THE COUNTY OF HENRICO Marta Corina Gomez-Beltran, Plaintiff v. Esteban Camacho, Defendant CASE NO: CL12-2817 ORDER OF PUBLICATION The object of this suit is to obtain a divorce a vinculo matrimonii from the defendant on the ground of more than one year of continuous separation. It appearing from Affidavit that due diligence has been used by the plaintiff to ascertain in what county or city the defendant is, without effect, it is ORDERED that the defendant appear before this Court on or before December 11, 2012 and do what is necessary to protect his interest herein. ENTER: 10/10/12 JAMES STEPHEN YOFFY, JUDGE A COPY TESTE: YVONNE G. SMITH, CLERK JENNIFER WATTS, DEPUTY CLERK I ask for this: Scott R. Pasierb Counsel for Plaintiff Law Offices of Hyder & Overas 5526 Falmouth Street, Suite 100 Richmond, VA 23230 Phone: (804) 673-2222 Fax: (804) 282-3231 VSB#: 73298

[ classifieds ] November 7, 2012

Public Service Announcement.

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

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TRUSTEE SALE 343 Enon Oaks Lane, Chester, VA 238365715 Chesterfield County In execution of a Deed of Trust in the original principal amount of $233,750.00, dated February 5, 2009 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, inDeed Book 8585, at page 0284, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 27, 2012 at 2:30 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 37, Enon Oaks Subdivision, with improvements thereon.

(804)358-2100

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TRUSTEE SALE 3308 Hawkins Rd, Richmond, VA 23228-3434 Henrico County In execution of a Deed of Trust in the original principal amount of $142,400.00, dated June 17, 2009recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4658, at page 1574, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: LOT 20, Block F, Section B, West Broad Street Gardens, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

TRUSTEE SALE 17133 Knoll Ridge Drive, Montpelier, VA 23192-2148 Hanover County In execution of a Deed of Trust in the original principal amount of $486,500.00, dated June 23, 2009recorded in the Clerk’s Office of the Circuit Court of the County Of Hanover, Virginia, in Deed Book 2951, at page 3051, 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 will offer for sale at public auction at the entrance to the Circuit Court Hanover County, Hanover, Virginia, on November 30, 2012 at 12:00 o’clock Noon the property described in said deed, located at the above address and briefly described as: Lot 2, Boisseaux Place, containing 10.001 acres, more or less, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-006081-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-026219-12/ CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

November 7, 2012 [ classifieds ]

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NOTICE OF TRUSTEE’S SALE OF PROPERTY LOCATED AT 3603 DECATUR STREET RICHMOND, VIRGINIA

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In execution of a Deed of Trust in the original principal amount of $25,000.00 from 3603 Decatur Street, a Series of JAK PROPERTIES, a Virginia business trust dated February 5, 2009, recorded February 10, 2009 as Instrument #090002591 among the land records for the City of Richmond, Virginia, default having occurred, the Substitute Trustee, who was appointed by the instrument recorded as Instrument #1220034 among the land records of the City of Richmond, Virginia, at the direction of the secured party, will offer for sale at public auction to the highest bidder, on November 13, 2012, at 10:40 A.M., local time, at the main entrance of the Circuit Court for the City of Richmond, 400 North 9th Street Richmond, VA 23219-15407, the realty and personalty described in the said Deed of Trust located at the above address and briefly described as: 3603 Decatur Street, Richmond, Virginia; Tax Map No. S0002762011. TERMS OF SALE: Cash. The Property will be auctioned as an entirety; bidders deposit of not more than $50,000 in cash, certified or cashier’s check may be required with settlement within 15 days or deposit forfeit; the Substitute Trustee reserves the right to waive the bidders deposit, postpone the sale, review the qualifications of all bidders, and/or reject all bids;“AS IS”without representation or warranty of any kind (including but not limited to) any representations regarding zoning, subdivision compliance, access, physical condition, parties in possession, topography, soil type or content, environmental conditions affecting the property, availability of public utilities, freedom from structural defects, construction in a workmanlike manner, and fitness for habitation; any personalty sold WITHOUT ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; sale subject to all other prior liens, conditions, restrictions, rightsof-way, easements, and reservations of record; Additional terms, including the execution of a Memorandum of Sale will be announced at the sale. Time shall be of the essence with respect to all terms. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that we are a debt collector and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: James A. Yergin, Substitute Trustee, 5290 OldAlexandria Turnpike, Warrenton, Virginia 20187, (540)207-3293.

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property.

TRUSTEE SALE 8701 Lonepine Rd, Richmond, VA 23294-6028 Henrico County In execution of a Deed of Trust in the original principal amount of $149,000.00, dated November 13, 2010 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 4826, at page 0090, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 20, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 10, Block U, Section D, West End Manor, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01024469-12/CONV) 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia 23462, 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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TRUSTEE’S SALE OF 13630 Blue Heron Circle, Chesterfield, VA 23838. In execution of a certain deed of trust dated January 05, 2007, in the original principal amount of $404,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 8631 Page 0770, 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 30, 2012, 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 ALL THE IMPROVEMENTS THEREON AND THE APPURTENANCES THERETO BELONGING, LYING AND BEING IN CHESTERFIELD COUNTY, VIRGINIA, DESIGNATED AS LOT 16, SECTION 2 OF CHESDIN SHORES, ON SUBDIVISION PLAT OF KOONTZ-BRYANT, P.C., ENGINEERS & SURVEYORS, DATED JULY 27, 2001, RECORDED AUGUST 9, 2001,IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA, IN PLAT BOOK 119, PAGE 75, 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 132509

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TRUSTEE’S SALE OF 7831 Nathan Lane, North Chesterfield AKA Richmond, VA 23235. In execution of a certain deed of trust dated July 03, 2006, in the original principal amount of $195,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7227 Page 0747, 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 16, 2012, at 12:04 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 CLOVER HILL DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, AND DESIGNATED AS LOT 12 OF CROWN PARK, SECTION B, AND FURTHER SHOWN ON PLAT OF SUBDIVISION ENTITLED “CROWN PARK, SECTION “B”, PREPARED BY TIMMONS DATED APRIL 5, 2001, REVISED JANUARY 11, 2002 AND RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF THE COUNTY OF CHESTERFIELD, VIRGINIA, IN PLAT BOOK 124, PAGES 56 AND 57..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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 156930

TRUSTEE’S SALE OF 11425 Bailey Mountain Trail, Midlothian, VA 23112. In execution of a certain deed of trust dated February 18, 2006, in the original principal amount of $175,000.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7012 Page 400, 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 30, 2012, at 12:04 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 TOGETHER WITH THE IMPROVEMENTS THEREON AND APPURTENANCES THEREOF PERTAINING, LYING, BEING AND SITUATE IN THE COUNTY OF CHESTERFIELD, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 8, BAILEY RIDGE ESTATES SECTION D, A SUBDIVISION OF SAID COUNTY AS SHOWN ON A PLAT OR PLAN THEREOF, RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF THE COUNTY OF CHESTERFIELD, VIRGINIA, IN PLAT BOOK 83, AT PAGE (S) 95 AND 96..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.bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 157095 A-4324084 11/07/2012, 11/14/2012

TRUSTEE SALE 11708 Walnut Wood Dr, Midlothian, VA 23112-3278 Chesterfield County In execution of a Deed of Trust in the original principal amount of $256,000.00, dated March 31, 2006 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 7034, at page 0647, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 15, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 72, Walnut Grove, Section 1, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005785-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 901 Legion Avenue, Richmond, Virginia 23224 (Tax ID No. C0090066006) Default having been made in the terms of a certain Deed of Trust dated December 12, 1996, in the original principal amount of $46,050.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 96-26201, the undersigned Substitute Trustees will sell at public auction on November 29, 2012, 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 16, as shown on a plat of McGuire Park, dated August 27, 1946 and recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, Virginia, in Plat Book 8, Page 115. 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 $4,500.00 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 ForeclosureSales 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. 96573, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

NOTICE OF TRUSTEE’S SALE OF PROPERTY LOCATED AT 7112 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VIRGINIA 23111 In execution of a Deed of Trust in the original principal amount of $1,600,000.00 from Meadows Property II, LLC, dated August 19, 2008, recorded August 21, 2008 in Deed Book 2924, page 1875 among the land records for Hanover County, Virginia, with a Rider to Deed of Trust recorded November 19, 2009 in Deed Book 2964, page 99 among the aforesaid land records, default having occurred, the Substitute Trustee, who was appointed by the instrument recorded in Deed Book 3012, page 1847 among the land records of Hanover County, Virginia, at the direction of the secured party, will offer for sale at public auction to the highest bidder, on December 5, 2012, at 11:00 A.M., local time, at the main entrance of the Circuit Court for Hanover County, 7507 Library Drive, Hanover, Virginia 23069-0039, the realty and personalty described in the said Deed of Trust located at the above address and briefly described as: 7112 Mechanicsville Turnpike, Mechanicsville, Virginia 23111; Real Property Tax Map Reference No. 8714-785898. TERMS OF SALE: Cash. The Property will be auctioned as an entirety; bidders deposit of not more than $50,000 in cash, certified or cashier’s check may be required with settlement within 15 days or deposit forfeit; the Substitute Trustee reserves the right to waive the bidders deposit, postpone the sale, review the qualifications of all bidders, and/or reject all bids; “AS IS” without representation or warranty of any kind (including but not limited to) any representations regarding zoning, subdivision compliance, access, physical condition, parties in possession, topography, soil type or content, environmental conditions affecting the property, availability of public utilities, freedom from structural defects, construction in a workmanlike manner, and fitness for habitation; any personalty sold WITHOUT ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; sale subject to all other prior liens, conditions, restrictions, rights-of-way, easements, and reservations of record; Additional terms, including the execution of a Memorandum of Sale will be announced at the sale. Time shall be of the essence with respect to all terms. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that we are a debt collector and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: James A. Yergin, Attorney At Law, Substitute Trustee, 5290 Old Alexandria Turnpike, Warrenton, Virginia 20187, (540)207-3293.

TRUSTEE SALE 15 Raines Ave, Sandston, VA 23150-2044 Henrico County In execution of a Deed of Trust in the original principal amount of $93,500.00, dated July 2, 2004 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico, Virginia, in Deed Book 3704, at page 1270, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 13, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 9, (erroneously referred to as lot 3) Block 4 and Subdivision of Section A Plan of Fairfield or Sandston, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 postsale confirmation 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-011453-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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TRUSTEE SALE 1120 N 20th St, Richmond, VA 23223-5108 City of Richmond In execution of a Deed of Trust in the original principal amount of $84,000.00, dated October 29, 2008 recorded in the Clerk’s Office of the Circuit Court of the City Of Richmond, Virginia, inInstrument 080028247, at page 0401, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 29, 2012 at 10:00 o’clock am the property described in said deed, located at the above address and briefly described as: situated at the southwest corner of 20th and “R” Streets, commonly known as 1120 North 20th Street, commencing at said corner, thence running southwardly along the west line of 20th Street and fronting thereon thirty one (31) feet; thence back westwardly between parallel lines (one of which is the south lines of “ R” Street) one hundred twenty five (125) feet, eight (8) inches to an alley in the rear fourteen (14) feet wide, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 postsale confirmation 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-023275-11/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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c l a s s a d @ s t y l e w e e k l y. c o m

TRUSTEE SALE 4942 Cogbill Rd, Richmond, VA 23234-5308 Chesterfield County In execution of a Deed of Trust in the original principal amount of $121,790.00, dated December 10, 2010 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, inDeed Book 9345, at page 0655, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 8, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: LOT 1, ON THE PLAN OF MEADOW RIDGE, SECTION A, RECORDED IN PLAT BOOK 8, PAGE 114, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-021678-11/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 717 Woodland Creek Way, Midlothian, VA 23114-4626 Chesterfield County In execution of a Deed of Trust in the original principal amount of $206,955.00, dated April 25, 2008recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 8295, at page 645, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 20, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: Unit 717, Building 13, Bristol Village at Charter Colony; Together with an undivided interest in the common elements.

Trustee’s Sale 6235 Derwent Road, Richmond, Virginia 23225 (Tax ID No. C0070497020)

TRUSTEE SALE 14337 Old Bond St, Chesterfield, VA 23832-4403 Chesterfield County In execution of a Deed of Trust in the original principal amount of $300,000.00, dated May 17, 2006 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 7129, at page 0794, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 15, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: Lot 23, Section 1, Birkdale, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-012362-10/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 5918 Red Setter Ln, Moseley, VA 23120-0000 Chesterfield County In execution of a Deed of Trust in the original principal amount of $417,000.00, dated April 25, 2008 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield, Virginia, in Deed Book 8378, at page 0639, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the undersigned Trustee will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 13, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 3, Section 1, Walkers Chase, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-025641-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Default having been made in the terms of a certain Deed of Trust dated February 27, 2008, in the original principal amount of $177,760.00 and recorded in the Clerk’s Office of the Circuit Court of the City of Richmond, Virginia as Instrument No. 080005905, the undersigned Substitute Trustees will sell at public auction on November 8, 2012, 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 10, Block E, on the plan of Laurel Meadows, plan of which is dated June 23, 1947, recorded in the Clerk’s Office of the Circuit Court of Chesterfield County, Virginia, in Plat Book 8 at page 99. 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 $17,500.00 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. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 100206, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-025409-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Trustee’s Sale 8288 Carrolton Ridge Place, Mechanicsville, Virginia 23111 (Tax ID No. 8725-37-3041)

TRUSTEE SALE 701 Old Bermuda Hundred Rd, Chester, VA 23836-5622 Chesterfield County In execution of a Deed of Trust in the original principal amount of $146,000.00, dated July 31, 1998 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield,Virginia, in Deed Book 3344, at page 60 and modified in Deed Book 7132, at Page 205, and modified in Deed Book 8173, Page 658, the undersigned Substitute Trustee will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 15, 2012 at 11:15 o’clock am the property described in said deed, located at the above address and briefly described as: The western portion of Lot 1, containing 3.679 acres, more or less, located on the south side of Rt. 618, recorded in Deed Book 2142, page 710, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (41927-07/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

Default having been made in the terms of a certain Deed of Trust dated February 20, 2004, in the original principal amount of $199,700.00 and recorded in the Clerk’s Office of the Circuit Court of the County of Hanover, Virginia in Deed Book 2266, and Page 180, the undersigned Substitute Trustees will sell at public auction on November 13, 2012, at 11:00 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 29, Block D, Section IV, as shown on plat entitled “Sherrington, Section IV”, dated February 7, 2002, recorded February 10, 2003, in the aforesaid Clerk’s Office in Plat Book 36, page 554. 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 $10,000.00 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. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 100991, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only

TRUSTEE SALE 2100 Bradford Road, Richmond, VA 23234 In execution of a Deed of Trust in the original principal amount of $106,000.00, dated August 31, 2007 recorded in the Clerk’s Office of the Circuit Court of the City Of Richmond, Virginia, in Instrument 070030078, at page 0937, 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 will offer for sale at public auction at the entrance to the John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 13, 2012 at 2:00 o’clock pm the property described in said deed, located at the above address and briefly described as: House Number 2100 Bradford Road; the aforesaid Lot 115, erroneously shown as Lot 11, being that shown on the “Map of Davee Gardens”, recorded in Plat Book 5, pages 128 and 129, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-014452-10/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

TRUSTEE SALE 10907 Church Point Rd, Chesterfield, VA 23832-2682 Chesterfield County In execution of a Deed of Trust in the original principal amount of $379,637.00, dated June 22, 2009 recorded in the Clerk’s Office of the Circuit Court of the County Of Chesterfield,Virginia, in Deed Book 8792, at page 0051, 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 will offer for sale at public auction at the entrance to the Courthouse, 9500 Courthouse Road, corner of Iron Bridge Road and Courthouse Road, Chesterfield County, Virginia, on November 13, 2012 at 3:15 o’clock pm the property described in said deed, located at the above address and briefly described as: Lot 45, Section 1, Willow Creek, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-026393-12/ FHA) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

[ classifieds ] November 7, 2012

TRUSTEE SALE 5709 Bethlehem Road, Richmond, VA 23230-1805 Henrico County In execution of a Deed of Trust in the original principal amount of $140,000.00, dated September 1, 2006 recorded in the Clerk’s Office of the Circuit Court of the County Of Henrico,Virginia, in Deed Book 4193, at page 1269, 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 will offer for sale at public auction at the entrance to the Circuit Court Building of the County of Henrico, corner of Parham Road and Hungary Spring Road, Henrico County, Virginia, on November 13, 2012 at 1:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Containing 0.895 acre, on plat of survey recorded in Deed Book 903, Page 169, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005470-12/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

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TRUSTEE’S SALE OF REAL ESTATE located at 8044 Buford Commons, Richmond, Virginia In execution of the Deed of Trust from MISTY W. FRANCIS dated May 27, 2010, in the Original Principal Amount of $157,774.00, and recorded in Deed Book 9090, Page 566, in the Clerk’s Office of the Circuit Court for the County of Chesterfield, Virginia, default having occurred in the payment 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 15, 2012, at 12:00 noon, the property described as Lot 5, Block A, Rolling Hill at Buford, County of Chesterfield, Virginia, known as 8044 Buford Commons, Richmond, Virginia. TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 15,000.00 or 10% of the successful 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 DEPOSIT. 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 COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: October 22, 2012 CECIL G. MOORE, and JO ANN HUTCHINSON, Substitute Trustee(s) 12‑213BF (76.61) 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

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TRUSTEE’S SALE OF 13710 Cedar Cliff Terrace, Chester, VA 23831. In execution of a certain deed of trust dated May 30, 2003, in the original principal amount of $171,350.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 5130 Page 0432, 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 30, 2012, 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, PIECE OR PARCEL OF LAND, LYING AND BEING IN THE MAGISTERIAL DISTRICT OF CHESTERFIELD COUNTY, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 72 AS SHOWN ON PLAT OF CEDAR CLIFF, SECTION ONE, AT STONEY CREEK, NOW KNOWN AS STONEY GLEN, PLAT OF WHICH MADE BY CHARLES G. TOWNES & ASSOCIATES, P.C., CIVIL ENGINEERS, PLANNERS, LAND SURVEYORS, COLONIAL HEIGHTS, VIRGINIA, DATED OCTOBER 6, 1987, AND RECORDED IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF CHESTERFIELD COUNTY, VIRGINIA, ON FEBRUARY 4, 1988, IN PLAT BOOK 60, PAGES 36 AND 37, TO WHICH PLAT 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 135792

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V I R G I N I A: IN THE CIRCUIT COURT FOR THE COUNTY OF HENRICO Michael Addo-Safo, Plaintiff v. Dawn Monea Trotter, Defendant CASE NO: CL12-2896 ORDER OF PUBLICATION The object of this suit is to obtain a divorce a vinculo matrimonii from the defendant on the ground of more than one year of continuous separation. It appearing from Affidavit that due diligence has been used by the plaintiff to ascertain in what county or city the defendant is, without effect, it is ORDERED that the defendant appear before this Court on or before December 21, 2012 at 10:00 a.m. and do what is necessary to protect her interest herein. ENTER: 10/22/12 LEE A. HARRIS, JR., JUDGE A COPY TESTE: YVONNE G. SMITH, CLERK JENNIFER WATTS, DEPUTY CLERK I ask for this: Arturas Overas Counsel for Plaintiff Law Offices of Hyder & Overas 5526 Falmouth Street, Suite 100 Richmond, VA 23230 Phone: (804) 673-2222 Fax: (804) 282-3231 VSB#: 42372

TRUSTEE SALE 422 N 32Nd St, Richmond, VA 23223 In execution of a Deed of Trust in the original principal amount of $180,000.00, dated December 11, 2007 recorded in the Clerk’s Office of the Circuit Court of the City Of Richmond, Virginia, inInstrument 080000883, at page 480, 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 will offer for sale at public auction at the entrance to the John Marshall Courts Building, 400 North 9th Street, Richmond, Virginia, on November 13, 2012 at 2:00 o’clock pm the property described in said deed, located at the above address and briefly described as: Beginning at a point on the western line of 32nd Street, which point is opposite the center of the partition wall between the tenement and that adjoining on the north known as No. 424; thence extending in a southern direction along the said western line of 32nd Street and fronting thereon 20 feet; thence extending back from said front and between parallel lines, and through the center of the alley in common on the south and the partition wall between this tenement, and that adjoining on the north, 424, a distance of 133 feet, more or less, to an alley in common 15 feet wide, for a more particular description of said property, reference is made to a certain plat recorded in Deed Book 279-C, Page 285, with improvements thereon. Subject to any and all covenants, conditions, restrictions and easements, if any, affecting the aforesaid property. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 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 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. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-017912-10/ CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

V I R G I N I A: IN THE CIRCUIT COURT OF THE COUNTY OF HENRICO In Re: Estate of Sharon G. Phillips, deceased. Case No.: CM12-2002 ORDER TO SHOW CAUSE AGAINST DISTRIBUTION It appearing that a report of the accounts of Paul M. Butler, Jr., Executor of the Estate of Sharon G. Phillips, deceased, and of the debts and demands against her estate has been filed in the Clerk’s Office, and that six (6) months have elapsed since the qualification of the Executor, on motion of Paul M. Butler, Jr., the Executor, IT IS HEREBY ORDERED that the creditors of and all others interested in the estate do show cause, if any they can, on the 28th day of November, 2012 at 9 a.m. before this Court at its courtroom in the County of Henrico Circuit Court, 4301 E. Parham Road, Henrico, Virginia, against the payment and delivery of the Estate of Sharon G. Phillips, deceased, to the distributees without requiring refunding bonds. Entered: 10/29/2012 An Extract Teste: Yvonne G. Smith, Clerk

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TRUSTEE’S SALE OF 303 Knight Drive (referred to as 303 Knights Road in the below mentioned deed of trust), Richmond, VA 23223. In execution of a certain deed of trust dated October 27, 2006, in the original principal amount of $135,000.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 4226 Page 1335, 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 16, 2012, at 10:03 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THOSE CERTAIN LOTS OF LAND, WITH IMPROVEMENTS THEREON AND APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN HENRICO COUNTY,VIRGINIA, IN BEECHWOOD PARK, NUMBERED LOTS 4, 5 AND 10 FEET OF LOT 3, IN BLOCK K, IN THE SAID PLAN OF BEECHWOOD PARK, DRAWN BY T. CRAWFORD REDD & BROS., DATED MAY 20, 1901, AND RECORDED IN THE CLERK’S OFFICE, CIRCUIT COURT, HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 8, PAGE 44, AND MORE PARTICULARLY DESCRIBED ON PLAT OF SURVEY MADE BY ERNEST F. TAYLOR, CERTIFIED LAND SURVEYOR, DATED JULY 31, 1986, ENTITLED “SURVEY & MAP SHOWING IMPROVEMENTS THEREON OF LOTS 4 & 5 AND THE NORTHERN 10’ OF LOT 3, BLOCK “K” MAP OF BEECHWOOD PARK IN THE FAIRFIELD DISTRICT, HENRICO COUNTY, VIRGINIA”, 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. bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 156276

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Public Notice – Environmental Permit PurPosE of NoticE: to seek public comment on a draft permit from the Department of Environmental Quality that will allow the release of treated wastewater into a water body in the city of richmond, Virginia. Public commENt PErioD: November 7, 2012 to 11:59 p.m. on December 7, 2012. PErmit NamE: Virginia Pollutant Discharge Elimination system Permit – Wastewater issued by DEQ, under the authority of the state Water control board aPPlicaNt NamE, aDDrEss aND PErmit NumbEr: spruance Genco, llc; 5001 commerce road, richmond, Va. 23234; Va0085499 ProjEct DEscriPtioN: spruance Genco, lcc has applied for reissuance of a permit for the private spruance Genco, llc cogeneration facility. the applicant proposes to release treated industrial wastewater at a rate of 2,160,000 gallons per day into a water body. sludge from the process will be disposed of by pump-and-haul to approved disposal. the facility proposes to release the treated industrial wastewaters in the james river in chesterfield county in the james river watershed. a watershed is the land area drained by a river and its incoming streams. the permit will limit the following pollutants to amounts that protect water quality: metals, organic matter and solids. HoW to commENt aND/or rEQuEst a Public HEariNG: DEQ accepts comments and requests for public hearing by e-mail, fax or postal mail. all comments and requests must be in writing and be received by DEQ during the comment period. submittals must include the names, mailing addresses and telephone numbers of the commenter/ requester and of all persons represented by the commenter/requester. a request for public hearing must also include: 1) the reason why a public hearing is requested. 2) a brief, informal statement regarding the nature and extent of the interest of the requester or of those represented by the requester, including how and to what extent such interest would be directly and adversely affected by the permit. 3) specific references, where possible, to terms and conditions of the permit with suggested revisions. a public hearing may be held, including another comment period, if public response is significant, based on individual requests for a public hearing, and there are substantial, disputed issues relevant to the permit. coNtact for Public commENts, DocumENt rEQuEsts aND aDDitioNal iNformatioN: ray jenkins; DEQ Piedmont regional office, 4949a cox road, Glen allen, Va 23060; Phone: (804) 527-5037; E-mail: ray.jenkins@ deq.virginia.gov; fax: (804) 527-5106. the public may review the draft permit and application at the DEQ office named above by appointment or may request copies of the documents from the contact person listed above.

TRUSTEE’S SALE OF 5401 Pleasant Grove Lane, Midlothian, VA 23112. In execution of a certain deed of trust dated January 24, 2007, in the original principal amount of $232,500.00 recorded in the Clerk’s Office, Circuit Court for Chesterfield County, Virginia, in Deed Book 7596 Page 0938, 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 16, 2012, 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, PIECE OR PARCEL OF LAND, WITH APPURTENANCES THEREUNTO BELONGING, LYING AND BEING IN CLOVER HILL DISTRICT, CHESTERFIELD COUNTY, VIRGINIA, DESIGNATED AS LOT 16, PLEASANT GROVE, AS SHOWN ON A PLAT OF SUBDIVISION ENTITLED “PLEASANT GROVE”, MADE BY J.K. TIMMONS & ASSOCIATES, P.C., ENGINEERS & SURVEYORS, DATED MARCH 26, 1987, IN THE CLERK’S OFFICE, CIRCUIT COURT, CHESTERFIELD COUNTY, VIRGINIA IN PLAT BOOK 57, PAGES 14 AND 15, AND REFERENCE TO WHICH 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 124262

TRUSTEE’S SALE OF 9023 Sparrow Drive, Richmond, VA 23229. In execution of a certain deed of trust dated September 08, 2005, in the original principal amount of $201,600.00 recorded in the Clerk’s Office, Circuit Court for Henrico County, Virginia, in Deed Book 3987 Page 1530, 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 16, 2012, at 10:00 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 TOGETHER WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING IN THE COUNTY OF HENRICO, VIRGINIA AND MORE PARTICULARLY DESCRIBED AS LOT 23, BLOCK H, ON A CERTAIN REVISED PLAT OF GREENBRIER HILLS, SECTION B, MADE BY W.W. LAPRADE AND BROS., CIVIL ENGINEERS AND SURVEYORS, DATED MARCH 4, 1955, AND RECORDED APRIL 13, 1955, IN THE CLERKS OFFICE OF THE CIRCUIT COURT OF HENRICO COUNTY, VIRGINIA, IN PLAT BOOK 26, PAGE 68, 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.bwwsales. 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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales. com. BWW# 114709


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