NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE ETOWAH COUNTY, ALABAMA Default having been made in the payment of the indebtness secured by that certain mortgage given by KMA Home Renovation, LLC to Jeffrey Braxton Collins, dated January 5, 2024, and recorded in Instrument 3568779 on January 23, 2024, in the Office of the Judge of Probate of Etowah County, Alabama, conveying the after-described property to secure a Note in the original principal amount of Forty Five Thousand Three Hundred Nine and 12/100 Dollars (U.S. $45,309.12) and also secured by that certain mortgage given by Bank of England to Gabriel Guzman, dated October 6, 2020, and recorded in Instrument 3509770 on October 8, 2020, in the Office of the Judge of Probate of Etowah County, Alabama, conveying the after-describe property to secure a Note in the original principal amount of Two Hundred Six Thousand One Hundred Ninety Six and 00/100 Dollars (U.S. $206,196.00), with interest thereon as set forth therein. Cloud & Willis, LLC, as counsel for Mortgagee and under and by virtue of power of sale contained in the said mortgage will, on June 11, 2026, sell at public outcry to the highest bidder for cash at the main courthouse entrance of Etowah County, Alabama, within the legal hours of sale, the following described property: Lots 37 and 38, in Wild Acres, Unit 2, according to the map or plat thereof recorded in Plat Book "G", Page 221 and 222, in the Office of the Judge of Probate of Etowah County, Alabama; lying and being in Gadsden, Etowah County, Alabama. The debt secured by said Mortgage has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtness as and when due and in the manner provided in the Note and Mortgage. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Mortgage and by law, including attorney's fees. This property will be sold on an "as is, where is" basis, subject to any easements, encumbrances, and exceptions reflected in the mortgage and those contained in the records of the Office of the Judge of Probate of the County where the above-described property is situated. This property will be sold without warranty or recourse, expressed or implied as to title, use and/or enjoyment and will be sold subject to the right of redemption of all parties entitled thereto. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process. To the best knowledge and belief of the undersigned, the party in possession of the property is Jeffrey Braxton Collins or tenant(s); and said property is more commonly known as 160 Bridlewood Drive, Gadsden, Alabama 35901. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) final confirmation and audit of the status of the loan with the holder of the mortgage, and (3) any right of redemption or other lien not extinguished by foreclosure. Brian M. Cloud, Esq. Cloud & Willis, LLC Counsel for Mortgagee 3928 Montclair Road, Suite 227 Birmingham, Alabama 35213 (205) 322-6060 Please publish this on 5/13/2026, 5/20/2026 and 5/27/2026 May 13, 20, 27 2026 LTUS0517385