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L3870 NOTICE OF DEFAULT SALE AND FORCLOSURE WHEREAS on August 5, 2011, a certain mortgage was executed by Donald Rugg and Jo Ann Rugg, husband and wife, as mortgagor, in favor of Mortgage Electronic Registration Systems, Inc. acting only as a nominee for Security One Lending, as a mortgagee, and was registered on August 19, 2011 in A / OFFR 134A, page 705; and subsequently transferred and assigned on June 21, 2018 to the Secretary of Housing and Urban Development, and said assignment being recorded on August 13, 2018 in A / OFFR 181A, page 170; and WHEREAS the mortgage was insured by the Secretary of Housing and Urban Development (“the Secretary”) under the National Housing Act for the purpose of providing single family housing; and WHEREAS there has been a breach of the terms and conditions of the mortgage which remains fully unpaid at the date of this notice, and no payment has been made to restore the value of the loan in question; and WHEREAS the total amount overdue as of June 29, 2021 is $ 93,195.90; and WHEREAS, by virtue of this default, the Secretary declared immediately due and payable the total amount of the debt secured by the mortgage; THEREFORE, pursuant to the powers conferred on the undersigned by the Single Family Mortgage Foreclosure Act of 1994 (“the Act”), 12 USC 3741 et seq., By 24 CFR Part 27, Subpart B, and by designation by the Secretary of the undersigned as foreclosure commissioner, by deed registered on April 5, 2019 in the book OFFREC 829, page 176, the aforementioned records, notice is hereby given that on September 8, 2021, between 11:00 a.m. and 4:00 p.m. , local time, all real and personal property located or used on the premises described below (“the Property”) will be sold by public auction to the highest bidder: commencing at a point on the south line of a paved county road 373.00 feet east of the west line of SE1 / 4 of NW1 / 4, Section 35, and thence N81deg 43` E along the south line of said road a distance of 184.60 feet to ‘at the west line of an unpaved county road; thence S47 ° 56 ‘E following the west line of said road a distance of 160.40 feet; thence S81deg 32’W a distance of 304.00 feet; thence N06deg 31 ‘W a distance of 140.00 feet to the point of commencement. Bald property located in SE1 / 4 of NW1 / 4, Section 35, Township 7 North, Range 20 East, Coffee County, Alabama. Said region is located in Coffee County, Alabama. Commonly known as: 242 County Rd. 215, Jack, AL 36346 The sale will take place at the Coffee County Courthouse in Enterprise, Alabama. The secretary will bid for $ 94,341.32 plus fees and costs associated with the sale. There will be no pro-rata taxes, rents or other income or debts, except that the buyer will pay, at or before closing, his pro-rata share of the property taxes that have been paid by the Secretary to the date of forced sale. When making their offers, all bidders, with the exception of the secretary, must remit to the undersigned a deposit totaling $ 9,434.13 (10% of the secretary’s offer) in the form of a certified check or cashier’s check. payable to the secretary of HUD. Each oral offer does not need to be accompanied by a deposit. If the successful bid is oral, a deposit of $ 9,434.13 equivalent to 10% must be presented before auction closing. DEPT IS NON-REFUNDABLE. The remainder of the purchase price must be delivered within 30 days of the sale or such other time as the secretary may determine for a good cause indicated, time being of the essence. This amount, like bid bonds, must be remitted in the form of a certified check or cashier’s check. If the Secretary is the highest bidder, he does not have to pay the amount of the auction in cash. The successful tenderer will pay all transfer fees, property taxes and other taxes due from delivery of the remainder of the payment, as well as all other costs associated with the transfer of ownership. At the conclusion of the sale, the deposits of unsuccessful bidders will be returned. The secretary may grant an extension of the time limit for remitting the remainder of the payment. All extensions will be for 15 day increments for a designated fee of 500.00, paid in advance. The extension fee will be in the form of a certified check or cashier’s check payable to the secretary of HUD. If the highest bidder concludes the sale before the expiration of an extension period, the unused portion of the extension fee will be applied to the amount due. If the highest bidder is not able to complete the sale within the time limit required, or within the time granted by the secretary, he may be required to forgo the cash deposit or, the election of the foreclosure commissioner after The HUD Field Office Representative will be responsible to HUD for all costs incurred as a result of such failure. The Commissioner may, on the instruction of the representative of the local HUD office, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, nor right of possession based on a right of redemption, for the mortgagor (s) or others, following a foreclosure effected in accordance with the Law. Therefore, the foreclosure commissioner will issue a deed to the buyer (s) upon receipt of the full purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The planned foreclosure sale must be canceled or postponed if it is established, by a documented written request from the mortgagor to the foreclosure commissioner at least 3 days before the date of the sale, or otherwise, that the default or defects on which the foreclosure is based on did not exist at the time of service of this notice of default and sale of foreclosure, or all amounts owed under the mortgage contract are remitted to the foreclosure commissioner, in the form of a certified check or cashier payable to secretary of HUD before property auction is complete. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is $ 94,341.32 as of September 8, 2021, plus any other amounts that would be due under the mortgage agreement if payments under the ‘mortgage had not been expedited, publicity fees and postage incurred in giving the notice, mileage by the most reasonable road distance for posting notices and / or the presence of the foreclosure commissioner sale, reasonable and customary costs incurred for title and lien searches, necessary out-of-pocket costs incurred by the foreclosure commissioner for registering documents, a commission for the foreclosure commissioner and all charges other costs incurred in connection with foreclosure prior to reinstatement. Offer to pay by certified or cashier’s check or request to cancel the foreclosure sale should be submitted to the foreclosure commissioner’s address listed below. Date: August 12, 2021 Prepared by: Jason Tingle Jauregui & Lindsey, LLC Foreclosure Commissioner / s / Jason Tingle 244 Inverness Center Drive, Suite 200 Birmingham, AL 35242 Telephone: (205) 970-2233 Fax: (205) 970-3886


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