STATE OF GEORGIA COUNTY OF RICHMOND   NOTICE OF SALE UNDER POWER   Pursuant to the power of sale contained in the Security Deed executed by GUSTAVO RIVERA RIOS AND KIRA RIVERA RIOS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS in the original principal amount of $273,659.00 dated July 18, 2023, and recorded in Deed Book 1893, Page 1060, Richmond County records, said Security Deed being last transferred to PLANET HOME LENDING, LLC in Deed Book 1961, Page 1491, Richmond County records, the undersigned will sell at public outcry to the highest bidder for cash, before the Courthouse door in said County, or at such other place as lawfully designated, within the legal hours of sale, on 3/3/2026, the property in said Security Deed and described as follows: ALL THAT LOT OR PARCEL OF LAND WITH IMPROVEMENTS THEREON SITUATE, LYING AND BEING IN THE STATE OF GEORGIA, COUNTY OF RICHMOND, BEING SHOWN AND DESIGNATED AS LOT 36, BLOCK C, ELDERBERRY SECTION II, PHASE 1, ON A PLAT RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RICHMOND COUNTY, GEORGIA, IN PLAT REEL 1, PAGES 1079-1080; REFERENCE BEING MADE TO SAID PLAT FOR A MORE COMPLETE AND ACCURATE DESCRIPTION AS TO THE METES, BOUNDS AND LOCATION OF SAID PROPERTY. SAID PROPERTY IS CONVEYED SUBJECT TO AND WITH NOTICE OF THE FOLLOWING MATTERS: A) DRAINAGE EASEMENTS, BUILDING SETBACK LINES, AND ALL OTHER MATTERS SHOWN ON THE PLAT OF RECORD; B) GENERAL UTILITY EASEMENTS AND ROAD RIGHT-OF-WAY GRANTS AND EASEMENTS. SAID PROPERTY IS HEREBY CONVEYED SUBJECT TO ANY AND ALL EASEMENTS AND RESTRICTIONS OF RECORD IN THE AFORESAID CLERK’S OFFICE, INCLUDING, BUT NOT LIMITED TO, PROTECTIVE COVENANTS AND RESTRICTIONS RECORDED IN THE AFORESAID CLERK’S OFFICE IN REALTY REEL 924, PAGES 1721-1736, AS AMENDED. Said property being known as: 4321 REGANS LN, AUGUSTA, GA 30909 To the best of the undersigned’s knowledge, the party or parties in possession of said property is/are GUSTAVO RIVERA RIOS AND KIRA RIVERA RIOS or tenant(s). The debt secured by said Security Deed has been and is hereby declared due and payable because of, among other possible events of default, failure to pay the indebtedness as provided for in the Note and said Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to the following: (1) any outstanding ad valorem taxes (including taxes which are a lien, whether or not yet due and payable); (2) the right of redemption of any taxing authority; (3) any matters which might be disclosed by an accurate survey and inspection of the property; and (4) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Said sale will be conducted subject to the following: (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. The name, address, and telephone number of the individual or entity who has full authority to negotiate, amend, and modify all terms of the mortgage is as follows:   Planet Home Lending, LLC 321 Research Parkway, Suite 303 Meriden, CT 06450 1-855-884-2250   Note that pursuant to O.C.G.A. § 44-14-162.2, the above individual or entity is not required by law to negotiate, amend, or modify the terms of the mortgage.   THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.   PLANET HOME LENDING, LLC, as Attorney-in-Fact for GUSTAVO RIVERA RIOS AND KIRA RIVERA RIOS   Robertson, Anschutz, Schneid, Crane & Partners, PLLC 13010 Morris Rd., Suite 450 Alpharetta, GA 30004 Phone: 470-321-7112 Firm File No. 25-299520 - LiM