Foreclosure Acceleration Letter

(1) [DATE]

CERTIFIED MAIL

RETURN RECEIPT

REQUESTED

(2) [Addressee]

RE: NOTICE OF FORECLOSURE SALE

Note and Deed to Secure Debt held by (3)

("Lender"), originally made by (4) to (5)

in the original principal amount of (6) , secured by

Deed to Secure Debt dated (7) , recorded in Deed

Book (8) , Page (9) (10) County,

Georgia, Records. Property located at (11)

Dear (12)

This law firm has been employed to start foreclosure proceedings against the referenced property immediately. Enclosed is a copy of the Notice of Sale submitted to the publisher of the legal newspaper. The sale will be conducted on (13) , 20-, at (14) County Courthouse between the hours of 10:00 A. M. and 4:00 P. M.

As a result of your failure to make payments on the referenced Note (as well as other possible defaults under the Security Deed), the entire amount of the outstanding balance of principal and interest of the loan has been, and is hereby, declared immediately due and payable. Demand is hereby made for immediate payment of the total principal and interest.

Please be advised that the lender intends to enforce the provisions in the referenced Note relative to payment of attorney's fees in addition to principal and interest. Unless you pay the total principal and interest in full within ten (10) days from receipt of this letter, such attorney's fees, as allowed by Official Code of Georgia, § 13-1-11 (GCA § 20-506), will be owed.

The total amount of the debt due is (15)

principal, plus any accrued interest, late charges, escrow advances, expenses, costs, and attorney's fees. The debt is owed to [Lender]. We will assume that the debt is valid unless you dispute its validity within thirty (30) days from date of receipt of this letter. If you notify us in writing within this thirty (30) day period that you dispute the debt, or any portion thereof, we will obtain a verification of the debt and mail it to you. Upon your written request within this thirty (30) day period, we will provide you with the name and address of the original creditor, if different from

(16) [Lender].

If you desire to attempt to put your loan back on a current basis, please telephone this office at this number:

(17) . If the lender can be persuaded to allow reinstatement, you will be told the amount of money which you must pay in order to stop the foreclosure. Any such payment must be made through this office and not, under any circumstances, directly to the lender. The lender will no longer accept any payments from you.

BE GOVERNED ACCORDINGLY.

Yours very truly,

(18)

[Lender]

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