CORRECTED

TAX RELIEF FOR ELDERLY

Elderly or disabled persons may be eligible for real estate tax exemption if they are 65 years old or older or are permanently disabled and meet financial criteria established by local ordinance. Application must be made with the Commissioner of the Rev- enue between FEBRUARY 1 AND APRIL 1 of EACH year. For qualifications and application, please contact the Commissioner of the Revenue at (804) 493-0113, P. O. Box 68, Montross, Va. 22520 or cbgcommofrev@hotmail.com

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TRUSTEE’S SALE OF 200 Santa Maria Avenue Colonial Beach, VA 22443

In execution of a Deed of Trust in the original principal amount of $199,200.00, dated August 1, 2008, recorded among the land records of the Circuit Court for Westmoreland County on August 5, 2008, in Deed Book 790, at Page 304, the un- dersigned appointed Substitute Trustee will offer for sale at public auction, at the main entrance of the courthouse for the Circuit Court of Westmoreland County, 111 Polk Street, Montross, VA on March 9, 2015 at 2:00 PM, the property described in said deed of trust, located at the above address and briefly described as: LOT NO. 76, ON A PLAT OF SURVEY OF RIVERSIDE MEADOWS, BY JACOBY AND ASSOCI- ATES, INC., AND ARTHUR D WHITTAKER, C.L.S., DATED MAY 8, 1972, AND RECORDED IN THE OFFICE OF THE CIRCUIT COURT OF WESTMO- RELAND COUNTY, VIRGINIA, WITH A CERTICICATE OF OWNERS CONSENT TO SUBDIVISION IN DEED BOOK 229 AT PAGE 36.. Tax ID: 3A4176. TERMS OF SALE: ALL CASH. A bidder’s deposit of $10,000.00 or 10% of the sale price, whichever is lower, will be required in cash, cer- tified or cashier’s check. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This is a communication from a debt collec- tor. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose.

Loan Type: Conv/FNMA (Trustee # 556722)

Substitute Trustee: ALG Trustee, LLC, C/O Atlantic Law Group, LLC PO Box 2548, Lees- burg, VA 20177, (703) 777-7101, website: http:// www.atlanticlawgrp.com

FEI # 1074.01971 02/11/2015, 02/18/2015

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NOTICE OF SUBSTITUTE TRUSTEE SALE 204 Monroe Bay, Colonial Beach, VA 22443

By virtue of the power and authority contained in a Deed of Trust dated September 19, 2008, and re- corded in Deed Book 791, Page 1394 in the Clerk’s Office for the Circuit Court for Westmoreland, VA, securing a loan which was originally $262,400.00. The appointed SUBSTITUTE TRUSTEE, Common- wealth Trustees, LLC will offer for sale at public auction at the front steps of the circuit court for Westmoreland Co, Montross, Virginia on:

March 9, 2015 at 11:00 AM

improved real property, with an abbreviated legal description of All those certain tracts or parcels of land lying and being in Westmoreland County, Virginia, and in the Town of Colonial Beach, known and described by the plot and survey of said Town as Lot Four (4) and the southern 25 feet of Lot Five (5) in Block Sixty-One (61). This tract or parcel of land fronts 75 feet on Westover Avenue (now known as Monroe Bay Avenue) and extends back between parallel lines for a distance of 150 feet., and as more fully described in the aforesaid Deed of Trust. TERMS OF SALE: The property will be sold “AS IS,” WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND AND SUBJECT TO conditions, re- strictions, reservations, easements, rights of way, and all other matters of record taking priority over the Deed of Trust to be announced at the time of sale. A deposit of $20,000.00, or 10% of the sale price, whichever is lower, in cash or cashier’s check payable to the SUBSTITUTE TRUSTEE will be required at the time of sale. The balance of the purchase price, with interest at the rate contained in the Deed of Trust Note from the date of sale to the date said funds are received in the office of the SUBSTITUTE TRUSTEE, will be due within fifteen (15) days of sale. In the event of default by the suc- cessful bidder, the entire deposit shall be forfeited and applied to the costs and expenses of sale and Substitute Trustee’s fee. All other public charges or assessments, including water/sewer charges, whether incurred prior to or after the sale, and all other costs incident to settlement to be paid by the purchaser. In the event taxes, any other public charges have been advanced, a credit will be due to the seller, to be adjusted from the date of sale at the time of settlement. Purchaser agrees to pay the Seller’s attorneys at settlement, a fee of $445.00 for review of the settlement documents.

Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustees a memorandum or contract of the sale at the conclusion of bidding.

FOR INFORMATION CONTACT: Rosenberg & Associates, LLC (Attorney for Commonwealth Trustees, LLC) 7910 Woodmont Avenue, Suite 750 Bethesda, Maryland 20814 301-907-8000 www.rosenberg-assoc.com

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TRUSTEE’S SALE OF 120 Poplar Lane, Colonial Beach, VA 22443. In execution of a certain deed of trust dated October 06, 2010, in the original princi- pal amount of $134,550.00 recorded in the Clerk’s Office, Circuit Court for Westmoreland County, Virginia, in Deed Book 816 Page 0361, the un- dersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Westmoreland County, Court Square, Montross, VA 22520 on March 05, 2015 at 3:00 pm the property described in said deed of trust, located at the above address and more particularly described as follows: ALL THAT CERTAIN LOT, PARCEL OF TRACT OF LAND, WITH ALL RIGHT AND PRIVILEGES THERETO, APPURTENANT, SITUATE, LYING AND BEING IN WASHINGTON MAG- ISTERIAL DISTRICT, WESTMORELAND COUNTY, VIRGINIA, KNOWN AND DESIGNATED AS LOT 12, IN BLOCK 1, OF THE WOODLAND SECTION OF PLACID BAY ESTATES, AS SHOWN ON PLAT OF SURVEY MADE BY J. ARTHUR COOKE, C.L.S., DATED AUGUST 22, 1960, WHICH PLAT IS RE- CORDED WITH THE CERTIFICATE OF OWNER’S CONSENT TO SUBDIVISION IN DEED BOOK 173 AT PAGES 89, ET SEQ., IN THE CLERK’S OFFICE OF THE CIRCUIT COURT OF WESTMORELAND 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 pay- able 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. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled to a return of the deposit paid. The Pur- chaser may, if provided by the terms of the Trustee’s Memorandum of Foreclosure Sale, be entitled to a $50 cancellation fee from the Substitute Trustee, but shall have no further recourse against the Mort- gagor, the Mortgagee or the Mortgagee’s attorney. Additional terms to be announced at the sale. A form copy of the Trustee’s memorandum of foreclo- sure 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. Substi- tute Trustee: Equity Trustees, LLC, 2101 Wilson Boulevard, Suite 402, Arlington, VA, 22201. For more information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 6003 Executive Blvd., Suite 101, Rockville, MD 20852, (301) 961- 6555, website: www.bwwsales.com.

BWW#: 173422

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NOTICE OF TRUSTEE’S SALE 405 Grants Hill Church Road, Montross, Virginia 22520

In execution of that certain deed of trust in the original principal amount of $55,000.00 dated January 25, 2001 and recorded among the land records of Westmoreland County, in Deed Book 536, Page 057 and subsequent modifications or re-recordings, if any, as amended by an instru- ment appointing the undersigned as Substituted Trustee, default having been made in the payment of the indebtedness thereby secured and having been requested to do so by the holder of the note evidencing the said indebtedness, the undersigned Substituted Trustee will offer for sale at public auc- tion in front of the Westmoreland County Circuit Court, 175 Polk Street, Montross, Virginia, on:

March 11, 2015 @ 09:15 AM

The property described in said deed of trust located at the above street address, and more particularly described as:

ALL that certain parcel of land located in Washing- ton Magisterial District of Westmoreland County, Virginia, on State Road 640, containing 2.75 acres, more or less, known and described as Lot Num- ber one on that certain plat of survey made April 21, 1945 by W.H. Treakle, Registered Surveyor, of record in the Clerk`s Office of the Circuit Court of Westmoreland County in Deed Book 102 at page 380, which was shown as containing 3.75 acres, more or less;

LESS AND EXCEPT that one acre parcel shown on that certain plat of survey by Lloyd W. English, Cer- tified Land Surveyor, dated November 6, 1978, a copy of which is of record in the said Clerk`s Office in Deed Book 278 at page 266, which was conveyed to Edward Saunders and Alice S. Saunders by deed dated November 14, 1978 of record in the said Clerk`s Office in Deed Book 278, page 264.

TERMS OF SALE: Cash or certified funds. A non-refundable deposit of ten percent (10%) of the successful bid price, payable in cash or by certified or cashier’s check to the undersigned will be required of the successful bidder at time of sale. Terms of sale to be complied with within 14 days from date of sale or deposit will be forfeit and property will be resold at costs of defaulting purchaser. All real estate taxes to be adjusted as of date of sale. Seller shall not be responsible for any costs incurred by the purchaser in connection with their purchase or settlement, including, without limitation, state and local recording fees, title insur- ance or research, or any other costs of purchaser’s acquisition. The property and the improvements thereon will be sold as is, without representations or warranties of any kind. The sale is subject to all other liens, encumbrances, conditions, easements and restrictions, if any, superior to the aforesaid deed of trust and lawfully affecting the property. Trustee shall have no duty to obtain possession for purchaser. All risks of casualty pass to success- ful bidder at conclusion of bidding. 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(s) entered into any repay- ment 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 the Purchaser’s deposit without interest. Additional terms to be announced at the sale.

FOR INFORMATION CONTACT:

Wittstadt Title & Escrow Company, LLC 22375 Broderick Drive Suite 260 Dulles, VA 20166

703-330-3265 or toll free 866-503-4930 M-F Between 8:30AM – 5 P.M. http://foreclosure.closingsource.net (VA-96000880-11)

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TRUSTEE’S SALE OF 520 Rolando Drive, Colonial Beach, VA 22443

In accordance with a Deed of Trust in the original principal amount of $189,896.00 from Daniel Ja- cob Horning, III and Jennifer Lynn Horning dated July 2, 2009, recorded among the land records of the Circuit Court for WESTMORELAND COUNTY in Deed Book 801, Page 298 on July 6, 2009, the undersigned appointed Substitute Trustee will of- fer for sale at public auction on the courthouse steps at the front of the Circuit Court building for WESTMORELAND COUNTY located at 15803 KINGS HIGHWAY, MONTROSS, VA 22520-0307 on March 03, 2015 at 3:00 PM, the property with improvements to wit:

All that certain piece or parcel of land, lying and being in Westmoreland County, Virginia, and more particularly described as LOT 20, BLOCK H, SEC- TION 1, WESTMORELAND SHORES, Washington Magisterial District, Westmoreland County, Vir- ginia, as shown on a certain plat of said section 1, Westmoreland Shores, dated August 6, 1953, made by Phillip H. Brooks, Certified Land Sur- veyor, recorded in the Clerk`s Office of the Circuit Court of Westmoreland County Virginia in Deed Book 132, at page 278 and 279, to which plat ref- erence is made for the metes and bounds of said lot.

AND further described in the above Deed of Trust. (Tax Map No. 6B 1 H 20)

TERMS OF SALE: A bidder’s deposit of $15,000.00 or 10% of the sale price, whichever is lower, shall be required at the time of sale in the form of cash, certified or cashier’s check payable to Substitute Trustee. The balance of the purchase price shall be due within fifteen (15) days of sale, otherwise Purchaser’s deposit may be forfeited to the Substi- tute Trustee. Additional terms to be announced at sale. Substitute Trustee: Poore Substitute Trust- ees, LTD, 6802 Paragon Place, Suite 410, Rich- mond, Virginia 23230. For information contact: The Hunoval Law Firm, PLLC, attorneys for Poore Substitute Trustee, LTD, 501 Minuet Lane, Suite 104-A, Charlotte, NC 28217, (704) 334-7114. File No.:447 023462-1 . File No.: 447 023462-1 FEI # 1082.00957 02/18/2015, 02/25/2015