NOTICE OF SALE UNDER POWER GEORGIA, RICHMOND COUNTY  By virtue of a Power of Sale contained in that certain Security Deed from CHARLENE K. WISE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS GRANTEE, AS NOMINEE FOR PINNACLE BANK, dated December 11, 2020, recorded December 15, 2020, in Deed Book 1755, Page 2431, Richmond County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Sixteen Thousand Fifteen and 00/100 dollars ($216,015.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Citizens Bank N.A., there will be sold at public outcry to the highest bidder for cash at the Richmond County Courthouse, within the legal hours of sale on the first Tuesday in December, 2025, all property described in said Security Deed including but not limited to the following described property:   ALL THAT LOT OR PARCEL OF LAND, WITH IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE STATE OF GEORGIA, COUNTY OF RICHMOND, BEING KNOWN AND DESIGNATED AS LOT 30, WILLHAVEN SUBDIVISION, PHASE I, AS SHOWN ON A PLAT THEREOF RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RICHMOND COUNTY, GEORGIA, IN PLAT BOOK 4, PAGES 86-95 REVISED AT PLAT BOOK 5, PAGES 36-45. REFERENCE IS HEREBY MADE TO SAID PLAT FOR A MORE COMPLETE AND ACCURATE DESCRIPTION AS TO THE METES, BOUNDS, AND LOCATION OF SAID PROPERTY. SAID PROPERTY IS HEREBY CONVEYED SUBJECT TO THOSE CERTAIN PROTECTIVE COVENANTS RECORDED AT BOOK 1213, PAGE 776, AND BOOK 1213, PAGE 793, AND TO ANY AND ALL OTHER APPLICABLE RESTRICTIONS, COVENANTS, AND EASEMENTS OF RECORD IN AFORESAID CLERK'S OFFICE.    Said legal description being controlling, however the property is more commonly known as 2101 WILLHAVEN DR, AUGUSTA, GA 30909.  The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed.  Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.  To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is CHARLENE K. WISE, or tenants(s).  The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.  The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: Citizens Bank, N.A., Loss Mitigation Dept., 10561 Telegraph Road, Glen Allen, VA 23059, Telephone Number: (800) 234-6002. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument.  CITIZENS BANK N.A. as Attorney in Fact for CHARLENE K. WISE THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Attorney Contact: Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. CBN-21-03086-14 Ad Run Dates 11/04/2025, 11/11/2025, 11/18/2025, 11/25/2025 rlselaw.com/property-listing