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Follow the money Sparrows Point owners’ contributions to Brown campaign raise questions. 3A Bounced out Court disbars Towson attorney who apparently issued bad checks. 11A Monday, October 27, 2014 Volume 126 | Number 017 TheDailyRecord.com INDEX Auction sales 5B Calendar 6A Employment 12A News briefs 4A Law briefs 12A Litigation support 16A Lawyer to lawyer 15A Public notice 1B Sealed proposals 3B For subscriptions call 1-800-451-9998 or email [email protected] $269 per year $2 per copy Both major gubernatorial candidates are telling voters they’ll find ways to help them keep more of their tax dollars. MAXIMILIAN FRANZ Disbar 1st, explain why later BY DANNY JACOBS [email protected] To any lawyer facing disbarment, Maryland’s top court has sent a message: Have your bags packed before you come to Annapolis. The Court of Appeals has disbarred nine lawyers within 24 hours of hearing their disciplinary matters since Septem- ber 2013, when Judge Mary Ellen Barbera became chief judge. By comparison, the last term of Chief Judge Robert M. Bell saw only one lawyer disbarred within 24 hours of arguments in an attorney griev- ance matter. The change went largely unremarked until this month’s same-day disbarment of Michael C. Hodes, formerly a prominent Towson-based lawyer who was stripped of his law license Oct. 7 over his handling of some $270,000 a deceased client left in his care. Hodes’ immediate disbarment marked a tipping point of sorts: of seven Attorney Grievance petitions the court heard in Oc- tober, Hodes’ was the fourth to be decided within 24 hours. In other words, an imme- diate resolution “with opinion to be filed later” was statistically more likely than not. Same-day sanctions against lawyers rise under new chief judge Where Hogan, Brown stand on taxes BY BRYAN P. SEARS [email protected] If it comes out of your wallet it’s a tax, and the two major candidates for governor are keenly aware that pocket- book issues are of keen interest to vot- ers. After an early focus on social issues, Democratic Lt. Gov. Anthony G. Brown has joined Republican Larry Hogan in a stretch-run debate on those concerns. In the last three weeks, polls released by three different organizations have re- ported that Marylanders, and women in particular, are expressing concerns about the state economy and taxes. “Clearly this election is all about the economy,” said Mileah Kromer, director of Sarah T. Hughes Field Politics Center at Goucher College. In top photo, a lab worker uses the Acuitas diagnostic test to detect multidrug-resistant organisms in a patient. Above, Kelly Frye, clinical services lab manager, left, and Evan Jones, chairman and CEO of Gaithersburg-based OpGen, Inc., examine results from the diagnostic test. MAXIMILIAN FRANZ Sniffing out ‘superbugs’ BY ALISSA GULIN [email protected] When it comes to deadly infections, Ebola is certainly the virus du jour. But in the U.S., the risk of contracting the Ebola virus is mi- nuscule compared to the risk of becoming infected with one of several antibiotic-resistant bacteria, sometimes known as “super- bugs.” These nasty, highly virulent bacteria cause at least 2 million illnesses and 23,000 deaths every year in this country alone, ac- cording to the Centers for Disease Control and Prevention. Md. company’s new diagnostic test designed to help screen patients See superbugs 9A See budget 7A See disbar 14A Neither candidate has offered detailed plans, reforms
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Page 1: Disbar 1st, explain why later - Maryland Daily Record

Follow the moneySparrows Point owners’ contributions to Brown campaign raise questions. 3A

Bounced out Court disbars Towson attorney who apparently issued bad checks. 11A

Monday, October 27, 2014 Volume 126 | Number 017 TheDailyRecord.com

INDEXAuction sales 5BCalendar 6AEmployment 12A

News briefs 4ALaw briefs 12ALitigation support 16A

Lawyer to lawyer 15APublic notice 1BSealed proposals 3B

For subscriptionscall 1-800-451-9998 or email

[email protected]

$269 per year$2 per copy

Both major gubernatorial candidates are telling voters they’ll find ways to helpthem keep more of their tax dollars.

MAXIMILIAN FRANZ

Disbar 1st, explainwhy later

BY DANNY JACOBS

[email protected]

To any lawyer facing disbarment,Maryland’s top court has sent a message:Have your bags packed before you cometo Annapolis.

The Court of Appeals has disbarrednine lawyers within 24 hours of hearingtheir disciplinary matters since Septem-ber 2013, when Judge Mary Ellen Barberabecame chief judge. By comparison, thelast term of Chief Judge Robert M. Bellsaw only one lawyer disbarred within 24hours of arguments in an attorney griev-ance matter.

The change went largely unremarkeduntil this month’s same-day disbarment ofMichael C. Hodes, formerly a prominentTowson-based lawyer who was strippedof his law license Oct. 7 over his handlingof some $270,000 a deceased client left inhis care.

Hodes’ immediate disbarment markeda tipping point of sorts: of seven AttorneyGrievance petitions the court heard in Oc-tober, Hodes’ was the fourth to be decidedwithin 24 hours. In other words, an imme-diate resolution “with opinion to be filedlater” was statistically more likely thannot.

Same-day sanctions against lawyers riseunder new chief judge

Where Hogan, Brown stand on taxesBY BRYAN P. SEARS

[email protected]

If it comes out of your wallet it’s atax, and the two major candidates forgovernor are keenly aware that pocket-book issues are of keen interest to vot-ers.

After an early focus on social issues,Democratic Lt. Gov. Anthony G. Brownhas joined Republican Larry Hogan in astretch-run debate on those concerns.

In the last three weeks, polls releasedby three different organizations have re-

ported that Marylanders, and women inparticular, are expressing concernsabout the state economy and taxes.

“Clearly this election is all about theeconomy,” said Mileah Kromer, directorof Sarah T. Hughes Field Politics Centerat Goucher College.

In top photo, a lab worker uses the Acuitas diagnostic test todetect multidrug-resistant organisms in a patient. Above, KellyFrye, clinical services lab manager, left, and Evan Jones, chairmanand CEO of Gaithersburg-based OpGen, Inc., examine results fromthe diagnostic test.

MAXIMILIAN FRANZ

Sniffing out ‘superbugs’

BY ALISSA GULIN

[email protected]

When it comes to deadly infections, Ebola is certainly thevirus du jour.

But in the U.S., the risk of contracting the Ebola virus is mi-nuscule compared to the risk of becoming infected with one ofseveral antibiotic-resistant bacteria, sometimes known as “super-bugs.”

These nasty, highly virulent bacteria cause at least 2 millionillnesses and 23,000 deaths every year in this country alone, ac-cording to the Centers for Disease Control and Prevention.

Md. company’s new diagnostic testdesigned to help screen patients

See superbugs 9A

See budget 7A

See disbar 14A

Neither candidate has offered detailed plans, reforms

Page 2: Disbar 1st, explain why later - Maryland Daily Record

2A TheDailyRecord.com Monday, October 27, 2014

Baltimore tests mobileapp for monitoring TB patients

The Baltimore CityHealth Department is pilot-ing a mobile app that helpspatients adhere to theirmedication regimen whilereducing the burden on cli-nicians of monitoring thosepatients.

The app, called miDOT,was developed by a com-pany calledemocha Mo-bile HealthInc., which isworking outof the Emerg-ing Technol-ogy Center,near Balti-more’s Highlandtownneighborhood.

Federal regulations re-quire that a clinician actu-ally observe tuberculosispatients taking their med-ication every day for atleast six months. This iscalled Directly ObservedTherapy (DOT). ThemiDOT app serves as aproxy for the clinician. ...

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Number of LSAT takers down 8.1 percentThe number of people who took the

LSAT in October declined 8.1 percent fromthe number who took the test a year ago,according to data from the Law School Ad-mission Council.

This drop follows a 9.1 percent de-crease from 2013 to 2014 in the numberwho sat for the June exam.

In October, typically the most popularmonth to take the Law School Admission Test, 30,943people took the exam. That marks a decrease of almost50 percent from the 60,746 who sat for the October testfive years ago. …

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ashlandAUCTION GROUP

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We Bring Results: Foreclosures, Tax Sales, Estate Sales, Commercial/Residential Properties.

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Congratulations to Andrew D. Freeman on his induction as a

Fellow of the American College of Trial Lawyers, one of the premier legal associations in America.

Andy joins five other Brown, Goldstein & Levy lawyers

as a Fellow of the ACTL —

C. Christopher Brown

(retired co-founder of the firm), Daniel F. Goldstein,

Andrew D. Levy,

Joshua . Treem,

and Melvin J. Sykes.

We are proud that six of the firm’s 18 attorneys are Fellows of the ACTL.

www.browngold.com410.962.1030

October 30The Giving BackGuide: NonprofitSpecial Publication

October 31Maryland Central Region Focus Section

November 7Women-ownedBusinessFocus Section

November 21Leadership in LawSpecial Publication

Page 3: Disbar 1st, explain why later - Maryland Daily Record

Associated Press

The interest rate pendulum has swungin favor of homeowners again.A steady decline in recent weeks

brought down the average rate for a 30-year fixed home loan below 4 percent to3.92 percent this week, the lowest level inmore than a year. As recently as January,the average was 4.53 percent, according tomortgage giant Freddie Mac.That’s good news for homeowners

who are locked in at a higher interest rateand weren’t able to refinance before ratesbegan ticking up last year. The decline inmortgage rates has spurred a surge inmortgage refinancing. Applicationsreached their highest level since Novem-ber 2013 last week, according to the Mort-gage Bankers Association.A reduction in your mortgage interest

rate can translate into significant savings.The key is ensuring they aren’t out-weighed by the charges and fees involved.“You want to be careful to do the math

and be sure you’re coming out ahead,”said Gary Kalman, executive vice presi-dent at the Center for Responsible Lend-ing.Here are some tips to help you deter-

mine whether refinancing your mortgage

will pay off:

Understand the feesLenders typically charge fees for the

mortgage broker’s services, credit reports,a home appraisal and title insurance,among other costs.To get a sense of the total costs, start

with the “good faith estimate.” It’s a formthat lenders are required to provide thatdetails the projected costs associated withthe loan.Although certain costs of the loan can’t

change, including the origination or bro-ker’s fee, costs such as title fees maychange until the loan is locked, meaningthe interest rate is set, notes Kurtis Baker,a wealth management advisor at CertifiedWealth Management & Investment LLC inPrinceton, New Jersey.

Get a low-enough rateThe general rule of thumb is that

borrowers need to shave at least 1.5 to2 percentage points from their rate inorder for the refinancing costs to beworthwhile.To qualify for the best rate on a

mortgage refinancing, borrowers musthave proof of income and have equity intheir home. About 20 percent equity is

ideal, though some lenders will requireas much as 30 percent for jumbo loans,said Greg McBride, chief financial ana-lyst at Bankrate.com.

Do the mathDon’t be fooled into thinking that

you’re getting a better deal when it’s sim-ply a new loan with a longer term, warnsTimothy Watters, a certified financial plan-ner at Watters Financial Services in Para-mus, New Jersey.To avoid this, tally up how much

you’re paying now in principal and interestand multiply it by the number of monthsleft on your loan. Then do the same calcu-lation using the figures under the newloan.

When will you break even?Even if your refinancing will lower

your monthly payment, it will take time torecoup your expenses. So think abouthow long you plan to stay in your home.For example, refinancing from a 5.5

percent interest rate to 4 percent wouldsave $180 a month on a $200,000 mort-gage. But the fees — averaging around$2,500 — mean it would take about 14months to break even.

Shop aroundGet quotes from several banks and ask

that they put their offers in writing, includ-ing an estimate for the closing cost andany extras, like loan points.Some lenders will allow you to roll the

refinancing fees into your loan, sparingyou upfront costs. However, this will in-crease how much you owe — and pay in-terest on — for the life of your loan.Ask that the lender provide you with a

comparison of the loan costs paid upfrontand rolled into the loan.

TheDailyRecord.com 3AMonday, October 27, 2014

m+1.83 526.06

Maryland stocks rose on Friday, led by United Therapeutics Corp. andW.R. Grace & Co.

The Bloomberg Maryland Index, a price-weighted list of companies withoperations in the region, rose 1.83 to 526.06.

United Therapeutics rose 3.58 to 132.35. W.R. Grace rose 1.47 to 90.95.In the broader market, the Standard & Poor’s 500 Index rose 13.76 to

1,964.58. The Dow Jones Industrial Average rose 127.51 to 16,805.41. The Bloomberg Maryland Index was developed with a base value of 100

as of Dec. 31, 1996.

Bloomberg Maryland Index

Watchdog: Redwood campaign contributions raise flags

BY ADAM BEDNAR

[email protected]

The new owners of Sparrows Pointhave made contributions to the Demo-cratic gubernatorial ticket that a gov-ernment watchdog group says raisesconcern.Redwood Capital Investments LLC,

the leader of a local investment groupthat purchased 3,100 acres of the site,and four subsidiaries including Spar-rows Point Development LLC, donated$4,000, the individual limit in a four-yearelection cycle, to the campaign ac-counts of Lt. Gov. Anthony Brown, whois running for governor, his runningmate Howard County Executive KenUlman and a single donation to the cam-paign committee of Baltimore CountyExecutive Kevin Kamenetz, accordingto a disclosure form filed with the state.The campaign contributions total

$36,000 and do not violate state cam-paign finance law. But critics argue thecontributions, which were all made onthe same day in May, present an unflat-tering appearance. Sparrows Point Ter-minal LLC officially purchased theproperty in September, after negotia-tions to purchase the property were dis-closed in letters from lawyers sent to ajudge in July asking for an extension of

a temporary restraining order that al-lows wastewater treatment to passthrough two pipelines on the property.Redwood Capital Investments LLC

declined to comment on this story.Brown’s campaign manager did not re-spond to a request for comment.“It definitely raises flags. You have to

look at how the average citizen looks atit, that the money translates into a verypublic policy stance, and that’s our fearwith these big donations in the system.We’re always hearing ‘they don’t buyvotes’ but they certainly build these re-

lationships that can be leveraged intopolicy reforms,” said Jennifer Bevan-Dangle, executive director of CommonCause Maryland.Bevan-Dangle said relationships

where developers make large campaigndonations to candidates are “too com-mon” in Maryland. She argued the stateneeds to close a loophole in its cam-paign finance laws that allows limited li-ability corporations, even if they’re runby the same controlling interest, to con-tribute the legal maximum for each en-tity.

“We finally were able, in 2013, topass a bill that says LLCs would count... common ownership or control wouldbe treated as one entity. But provingcommon ownership is still going to beincredibly difficult because most oftheir records are sealed,” she saidAlthough the sale of the Sparrows

Point land was between private entities,the state maintains an interest becauseof environmental concerns as well as adesire to purchase some of the propertyto help expand operations at the Port ofBaltimore.Before the sale was closed, the de-

veloper negotiated an agreement withthe Maryland Department of Environ-ment to provide $48 million in financialassurances for the cleanup of the for-mer steel making site. The cleanup is es-timated to cost about $51 million. TheMaryland Port Administration also re-mains interested in purchasing a por-tion of the property called Coke Pointto build a containment facility fordredge spoil and possibly a port facility.On Thursday, representatives from

Sparrows Point Terminal LLC alongwith Brown, Kamenetz and Rep. DutchRuppersberger held an event toutingthe economic benefits of redevelopingthe site as an advanced manufacturinghub. The event, which coincided withthe first day of early voting, was held atthe site in Baltimore County, a jurisdic-tion that played a crucial role in electingGov. Martin O’Malley in 2006 and 2010and in 2002 former Gov. Robert L.Ehrlich Jr., the first Republican in 36years to be elected governor.

New owners of Sparrows Point backingDemocratic ticket

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Democratic gubernatorial candidate Anthony G. Brown’s campaign has been the beneficiaryof contributions from groups affiliated with the new owner of Sparrows Point, which hadnegotiated with the state over cleaning up the property.

BRYAN P. SEARS

Is refinancing your mortgage really worth it?

Page 4: Disbar 1st, explain why later - Maryland Daily Record

4A TheDailyRecord.com Monday, October 27, 2014

Mixed results for 3 Maryland bank firmsThree Maryland banking companies showed mixed re-sults in their third-quarter earnings reports. Shore Banc-shares, parent company of CNB and Talbot Bank ofEaston, reported net income of $1.262 million, or 10 cents

per diluted share, for the thirdquarter of 2014, compared to anet loss of $11.4 million, or$1.35 per diluted share, for thethird quarter of 2013. The 2014results reflected $400,000 inseverance paid to F. WinfieldTrice Jr. when he resigned asCNB’s president, chief execu-

tive officer and member of the board of directors. Net in-come dropped for Old Line Bancshares, parent of OldLine Bank, to $1.7 million (16 cents per share) from $2.2million (22 cents) for the same quarter in 2013. FrederickCounty Bancorp, parent of Frederick County Bank, re-ported net income up to $460,000 (30 cents per share)from $417,000 (27 cents) in 2013’s third quarter.

BGE awards $300K to nonprofit groupsBaltimore Gas and Electric Company Friday announcedthat it is providing more than $300,000 in grants to morethan 40 local nonprofit environmental organizations aspart of the BGE Green Grants program. The Green Grantsrange from $500 to $10,000 each and went to groups inAnne Arundel, Baltimore, Harford, Howard and PrinceFrederick counties and Baltimore city. The program is inits second year.

First Potomac’s FFO up for quarterFirst Potomac Realty Trust, of Bethesda, an owner, man-ager and developer of office and business park propertiesin the Washington area, reported funds from operationsof $13.9 million, or 23 cents per diluted share, for thethird quarter, an increase of 22 percent from 2013’s third-quarter FFO of $11.4 million and 19 cents. First Po-tomac’s buildings were 90.6 percent leased in this year’squarter, compared with 87.4 percent for the same periodin 2013.

2U named to growth list2U Inc., of Landover, a provider of cloud-based softwarefor nonprofit colleges and universities, is one of 12 com-panies named to the World Economic Forum’s 2014 listof North American Global Growth Companies. Compa-nies were chosen based on four criteria, as listed at theForum’s website: growth, impact, leadership and corpo-rate citizenship. David Aikman, managing director andhead of the New Champions at the World EconomicForum, said in a statement: “2U Inc. is a dynamic groupwith clear potential to shape the future in its relevantbusiness sectors and so is a perfect fit to our GGC com-munity.”

Aberdeen-based unit heading to Liberia(AP) An Aberdeen-based U.S. military mobile laboratorydesigned to assess and combat biological and chemicalthreats is preparing for its first deployment to Liberia,where a team of soldiers and scientists will test for Ebola.The 1st Area Medical Laboratory will deploy to Liberiathis week. Twenty-two soldiers, some of whom are bio-chemists, microbiologists and laboratory technicians,will be on the mission. The laboratory’s commander, Col.Patrick Garman, said the soldiers have undergone exten-sive training. The laboratory will be headquartered inMonrovia, the capital, and Garman said four groups ofthree will be dispatched across Liberia to test humansamples for the deadly virus. Previously the laboratory

has deployed to Afghanistan and Iraq. He said troopsbegan training at Fort Bragg in North Carolina in August,working to develop best practices for donning and doff-ing personal protective equipment and running field sim-ulations in which soldiers would break down andreassemble the laboratory.

Choice profit increases slightlyChoice Hotels, a Rockville-based company that fran-chises more than 6,300 hotels worldwide, reported a 1.7percent increase in profit for the quarter. Choice’s net in-come for 2014’s third quarter was $39.4 million, or 67cents per diluted share, compared with $38.7 million and66 cents for the same period in 2013. Domestic revenueper available room (RevPAR) increased 8.8 percent in thethird quarter of 2014. “We are optimistic that strongRevPAR performance should continue in the fourth quar-ter and into 2015,” Stephen P. Joyce, president and chiefexecutive officer, said in a statement.

Amex survey: Small business optimisticA survey conducted recently by American Express showsthat small business owners’ optimism on businessprospects and the economy continues to rise. The SmallBusiness Monitor, in its 13th year, reports that 63 percentof the owners maintain a positive outlook, the highestlevel since fall 2007 (64percent). Among otherfindings: 57 percent ofsmall business ownersplan to make capital in-vestments over the nextsix months (up from 54last fall), 42 percent saytheir revenues are higherthan a year ago , 79 percent feel confident they can ac-cess the capital they need (up from 72 percent six monthsago) and 43 percent are concerned over cash flow (downfrom 49 percent this spring).

Fewer women viewing NFL(Bloomberg) Some women are starting to tune out theNFL as it deals with the fallout from its mishandling ofdomestic-abuse incidents involving players. Early evi-dence shows that there has been a dropoff in TV viewer-ship of games by women, who in recent years have beenthe NFL’s fastest-growing fan segment. Ebiquity Plc, amedia marketing and analytics firm, reports that femaleviewership is down 4 percent for Sunday games as com-pared with 2013 and down 5 percent for Monday nightgames. Last year, female viewership jumped 20 percenton Sundays as compared to 2012 and was up 13 percenton Monday nights. Ebiquity looked at viewership fromAug. 1 to Sept. 30 — including preseason games and thefirst four weeks of the regular season — based on NielsenCo. data. That period covers shortly after former Balti-more Ravens running back Ray Rice received his originaltwo-game NFL penalty and then his subsequent indefinitesuspension after a video showing him punching his fi-ancee became public.

P&G wants to spin off Duracell(AP) Procter & Gamble plans to make Duracell a stand-alone company. The world’s largest consumer productsmaker, which acquired Duracell in 2005, has been trim-ming its product lineup to focus on its top performers.After it finishes jettisoning more than half its brandsaround the globe over the next year or two, P&G said itwill be left with about 70 to 80 brands. If a split-off of Du-racell occurs, P&G said its shareholders would have theoption of exchanging some, none or all of their P&Gshares for shares of the new Duracell company. JonMoeller, the company’s chief financial officer, said duringa call with reporters that Duracell is an “attractive” busi-ness that generates about $2 billion a year in sales. Buthe said P&G wants to focus on products that are “evenmore attractive.” P&G also makes Tide detergent, Pam-pers diapers and Olay skin care.

Compiled by Ray Frager

We welcome news releases for consideration in our dailyNews Briefs section. Email releases directly to AssistantEditor Ray Frager at [email protected]. Wereserve the right to edit or rewrite the material that weselect in order to fit the available space. Briefs run dailyand are available on our website.

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COURTESY OF BGE

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Page 5: Disbar 1st, explain why later - Maryland Daily Record

BY DANIEL KERRY

Capital News Service

ANNAPOLIS – After Maryland is giventhe OK from the federal government, pa-tients will be able to walk into a dispen-sary, show their card to the retailer andpick up their medical marijuana prescrip-tion.

But before medicinal cannabis everchanges hands from retailer to consumer,it has already been through an extensivetrek.

There is a complex process betweenthe time a marijuana seed is planted andwhen the consumer picks up a prescrip-tion at the counter.

That whole intermediate process isone of the factors delaying Maryland’s im-plementation of medical marijuana.

The marijuana commissionThe crowd at the state’s medical mar-

ijuana commission meetings in Annapolison Sept. 9 and Sept. 23 consisted mostlyof growers, dispensers and consultingfirm representatives who were eager tojoin the new program. Since September2013, the 15-member commission hasheld 15 meetings to discuss details aboutMaryland’s future medical cannabis in-dustry.

Dispensers, growers and patients inneed of medicinal marijuana are growingmore and more restless with each passingcommission meeting.

Distribution of medical marijuana inMaryland is not expected to start untilearly 2016.

“I can see recreational marijuanabeing legalized before medical marijuana

is finalized in Maryland,” said Judy Pentz,executive director of the state chapter ofNORML (National Organization for theReform of Marijuana Laws). “The com-mission seems stuck in the reefer mad-ness era.”

Sharon Bloom, executive director ofthe commission, said the wait is for avalid reason.

“There are no obstacles blocking us,only a regulatory process that needs to befollowed and the informal process prior,”Bloom said. The commission is still work-ing on the “informal process” of gettingMaryland’s medical marijuana industryplans and regulations straightened out be-fore they are sent to the federal govern-ment.

“If we do a job that the (U.S.) attorneygeneral and the (Drug EnforcementAgency) reject, we’re back to groundzero,” said Eric Sterling, a member of thecommission and a lawyer with over 30years of experience working on medicalmarijuana issues.

Maryland is one of 23 states in whichmedical marijuana is legal.

According to the commission’s latestdraft of regulations, grower applicationfees in Maryland are not to exceed $6,000,but annual license fees for growers are$125,000. Licensing fees for dispensariesare $40,000 a year.

In Colorado, the application fees fordispensaries can be as high as $15,000, de-pending on what type of distributor it is.Licensing fees can cost up to $13,200.

In Washington state, marijuana pro-ducers must pay an annual fee of $1,000and a $250 application fee. Retailers mustpay the same fees.

Though a few members of the com-

mission admitted Maryland’s fees seemhigh, especially for small businesses,Bloom maintained they are not nego-tiable.

“We need to have the money to sup-port our program,” Bloom said. “Thesefees are in line with other states with asimilar number of dispensers. We weregiven a rather limited budget and we’redoing the best we can.”

Cannabis cultivationDepending on the state, the marijuana

seed or cutting could start out in farm soilor in a greenhouse or a highly securedwarehouse.

Cloning is a method of breeding plantsby cutting and rooting a healthy shoot. Aclone has one parent and is geneticallyidentical to it. The donor plant is knownas a “mother plant.”

Growers use the cloning method for avariety of reasons, according to Kris Her-mes, the media specialist at Americansfor Safe Access, a medical marijuana ad-vocacy group based in California andWashington, D.C.

Firstly, it ensures the gender of theplant, which is “immensely important,”Hermes said.

Growers prefer unpollenated femaleplants because they produce the most po-tent “smokeable buds” filled with Tetrahy-drocannabinol, or THC, the principalchemical in cannabis that makes usersfeel high. Male plants produce no budsand minimal THC, according to Hermes.

Cloning also enables growers to easilyproduce “large quantities of new plants,”Hermes said.

Cuttings or clones usually cost be-tween $6 and $15 apiece, according toBen Holmes, an experienced cannabiscultivator and founder of CentennialSeeds in Denver.

Far fewer cultivators use seeds nowthan in previous years, with the exceptionof those who are trying to create hybridstrains, according to Hermes. These hy-brids are combinations of differentstrains, catered to the specific symptomsof patients. Certain strains, such as Char-lotte’s Web, contain more THC than oth-ers and are more

Holmes said he believes the seed in-dustry will take off as marijuana lawsloosen up across the country.

TheDailyRecord.com 5AMonday, October 27, 2014

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Medical patients shopping at a cannabis dispensary. Maryland’s system of providing medicalmarijuana will allow a similar purchasing process.

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Page 6: Disbar 1st, explain why later - Maryland Daily Record

6A TheDailyRecord.com Monday, October 27, 2014

Event Time: 8:00 AM - 5:00 PMAddress: Town Hall in UB’s LearningCommons, 1415 Maryland Ave.

NovemberTUESDAY 4Elder Abuse Training for Attorneys Senior Legal Services, a program of theBar Association of Baltimore City, is co-sponsoring a free training on elder abusefor attorneys with CHANA’s projectSAFE: Stop Abuse of Elders. Breakfastwill be provided; there is no pro bono re-quirement in connection with the train-ing. Cost: FreeRegistration: RSVP to Ellen Fox [email protected] or 410-234-0030Event Time: 9:00 AM - 11:30 AMAddress: CHANA- 5721 Park Heights Av-enue, Baltimore, MD 21215

THURSDAY 6Countdown To 175 The Baltimore Bar Library will celebratesome of its most historically significantmembers as it counts down to the 175Anniversary of its founding in 1840. Theevening will include remarks by ChiefJudge Mary Ellen Barbera - launching ofthe Library’s “Brady v. Maryland” volumewith Brady advocate E. Clinton Bam-berger, Jr. to share his thoughts - Food -Wine - Jazz and more. Cost: $30.00 with proceeds going to theHonorable Harry A. Cole Self-Help Cen-ter for pro se litigants. Registration: To order tickets, or formore information, telephone 410-727-0280 or e-mail the Library at [email protected] Time: 5:00 PM - 7:00 PMAddress: Baltimore Bar Library - 100 N.Calvert Street - Room 618 - Baltimore,Maryland 21202

WEB Baltimore Roundtable presents “Employer’s Guide to ACA’s 2015 Requirements”Join us to get the latest on the EmployerShared Responsibility Rules (aka “Pay orPlay Penalty”) and ACA’s new reportingrequirements for employers. This eventis approved for HRCI Credits. Cost: $25 per person for members; $45per person for non-members; $10 perperson for employer/plan sponsor Registration: www.webnetwork.org/bal-timoreEvent Time: 8:30 AM - 10:30 AMAddress: Benelogics, 2118 GreenspringDrive, Timonium, MD 21093

FRIDAY 7WYPR Fall Breakfast with Economist Anirban Basu Join WYPR for breakfast and hear Mr.Basu, one of the Mid-Atlantic region’smost recognizable economists, discussimportant topics that include: EconomicDevelopment, Employment, Income, andWorkforce Development.Cost: Networking Breakfast Event $50 /WYPR member rate $45Registration: http://basu.eventbrite.com Event Time: 7:30 AM - 9:30 AMAddress: Four Seasons Hotel, 200 Inter-national Drive, Baltimore, Maryland21202

MONDAY 10Jewish Legal Services Jewish Legal Services, a program of Jew-ish Community Services (JCS) in Balti-more, offers legal information, adviceand referral services for Jewish individu-als with limited income. A walk-in legalclinic is held on the second Monday ofeach month. Volunteer communitylawyers offer advice on a variety of legalissues, including consumer/bankruptcy,landlord-tenant, family, and employmentquestions. Jewish Legal Services is alsoseeking lawyers to volunteer their ex-pertise at the monthly clinic. Cost: FreeEvent Time: 7:00 PM - 8:30 PMAddress: 5750 Park Heights Avenue Bal-timore MD 21215

WEDNESDAY 12Connections Education IT/Software Developer Open Houseand Networking Event Connections Education, a leadingprovider of K-12 online education solu-tions, has an immediate need to hire 30talented IT/software development pro-fessionals and is hosting an IT/SoftwareDeveloper Open House and NetworkingEvent on Wednesday, November 12, 2014from 5:30pm to 8:00pm in Columbia, MD.Attendees will hear from ConnectionsEducation leaders, network with hiringmanagers and staff, and learn moreabout IT/software development careeropportunities at Connections Education.Light appetizers and drinks will beserved. Cost: FreeRegistration: To reserve a spot at theevent, please send your resume andRSVP to [email protected] by Wednesday, November 5,2014. Indicate “IT Open House” in thesubject line.Event Time: 5:30 PM - 8:00 PMAddress: Connections Education, 7000Columbia Gateway Drive, Columbia, MD21046

THURSDAY 202014 Economic Mobility Forum The 2014 Economic Mobility Forum aimsto bridge the gap between research andpractice on transportation and the im-pact that transportation has on families.Presented by Vehicles for Change, theForum will focus on how transportationimpacts quality of life, access to jobs andmore. The Baltimore Metropolitan Coun-cil/Opportunity Collaborative will pres-ent its assessment of the 12 major jobhubs in the Baltimore region and the lim-itations of existing public transportationin those areas.Cost: Nonprofit rate: $45 // For-profitrate: $95 Registration: To learn more or to registerfor the event, please visit http://econom-icmobility.eventbrite.comEvent Time: 8:00 AM - 1:00 PMAddress: Vehicles for Change: 4111Washington Blvd., Halethorpe, Maryland21227

OctoberWEDNESDAY 29The Women’s Law Center of Maryland’s Annual Meeting and Awards Ceremony The Women’s Law Center of Maryland’s2014 Annual Meeting and Awards Cere-mony will be held on Wednesday, Octo-ber 29, 2014 at the Grand Historic Venue(formerly the Tremont Suites Hotel) indowntown Baltimore. We are privilegedto honor three prestigious award recipi-ents who have made significant contribu-tions to the legal community inMaryland: The Honorable Barbara BaerWaxman; The Honorable Cathy Hollen-berg Serrette; Martina E. Vandeberg, Esq.Cost: $80 member, $90 non-members,$800 table of 10 Registration: Purchase tickets online atwww.wlcmd.org or by calling410.321.8761.Event Time: 5:30 PM - 8:00 PMAddress: Grand Historic Venue, 225 N.Charles Street, Baltimore, MD 21225

THURSDAY 30Network 2000’s Women of Excellence Network 2000, which promotes the ad-vancement of women in professional andexecutive roles, will hold its 21st annualWomen of Excellence luncheon with Dr.Nancy Snyderman, chief medical editorfor NBC News and New York Times best-selling author, as its keynote speaker. Cost: $130Registration: For more information, reg-istration or sponsorship opportunities,

call 410-783-8225 or visit www.net-work2000md.org.Event Time: 11:00 AM - 1:30 PMAddress: Martin’s West, 6817 DogwoodRoad, Baltimore, MD 21244

Loyola’s Business Leader of the Year Loyola University Maryland’s SellingerSchool of Business and Management willhonor Sister Helen Amos, RSM, and theleadership of Mercy Health Services atSellinger’s annual Business Leader of theYear dinner. Sister Helen is the executivechair of the board of trustees of MercyHealth Services. Cost: $500 Registration: For additional informationabout the event or to purchase tickets,please visit loyola.edu/businessleader.Event Time: 5:30 PM - 8:30 PMAddress: Renaissance Harborplace, 202E. Pratt St., Baltimore 21202

FRIDAY 31UB and Center for Deployment Psychology Offer One-Day TrainingSession for Professionals The University of Baltimore and the Cen-ter for Deployment Psychology will hosta one-day training opportunity for li-censed mental health professionals andother staff who work in a college or uni-versity setting and who regularly engagewith military service members or veter-ans who are attending school. It is acredit-eligible program, entitled “WouldYou Recognize Me If I Weren’t in Uni-form?” Cost: $25 (or $50 if the participant isseeking Continuing Education credit). Registration: http://www.deploy-mentpsych.org/training/uc4-university-baltimore-baltimore-md-31-oct-2014Dr. Myra Waters, 410.837.5159 or [email protected]

CALENDAR

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SUDOKUHere’s how it works:Sudoku puzzles are formatted as a 9x9 grid, bro-ken down into nine 3x3 boxes. To solve a sudoku, the numbers 1 through 9must fill each row, column and box. Each number can appear only oncein each row, column and box. You can figure out the order in which thenumbers will appear by using numeric clues already provided in the boxes.The more numbers you name, the easier it gets to solve the puzzle.

Page 7: Disbar 1st, explain why later - Maryland Daily Record

A poll conducted by the collegeearlier this month reported thatnearly 72 percent of people surveyedbelieved they were in the same finan-cial situation or worse off than theywere just a year ago.From rolling back some or all of

the 40 taxes raised under Gov. MartinO’Malley to blue-ribbon tax commis-sions and no-new-tax pledges, bothBrown and Hogan are making prom-ises that would allow businesses andresidents to keep more of their hard-earned dollars.Here is where the candidates

stand on taxes in Maryland based on

interviews with Hogan and in the caseof Brown, who did not respond to re-quests for interviews, statementsmade in previous interviews, debatesand other public appearances.For nearly three years, Hogan has

run on the issue of high taxes in thestate both through his Change Mary-land organization, which recently hasmorphed into his political campaign.“We need to roll back as many of

these 40 tax increases as we can,”Hogan said.But the details of those rollbacks

— which taxes, how much, and when— remain unclear.One unpopular tax that may not

change under Hogan is the state gas

tax.Last year, the General

Assembly General Assembly passed aphased-in, 20-cent increase on thestate gas tax — the first such increasein 20 years — as well as annual auto-matic increases in the tax to keeppace with inflation.In an interview last week, Hogan

said the backlog of roads projectsaround the state makes it difficult tocut the tax.“The only way we’re going to get

any of this fixed is with the revenuethat will come in,” Hogan said.One reduction Hogan has said he

does favor is a reduction in the statecorporate tax. Currently, the ratestands at 8.25 percent and a numberof Republicans have pointed to Vir-ginia’s 6 percent corporate rate as animpediment to retaining companies inMaryland and luring more to the state.Hogan has not specified how much

he would seek to cut the tax, whichwould ultimately require the approvalof the Democratic-controlled GeneralAssembly.

Earlier this year, Sen. Richard Col-burn, R-Eastern Shore, proposed re-ducing the state corporate tax tomatch Virginia’s over a period of fiveyears.Brown has criticized Hogan’s call

to reduce the corporate tax rate as a“$300 million giveaway to the smallestgroups of the largest corporations.”The figure Brown cites tracks withthe $336 million in reduced revenueprojected in a legislative analysis ofColburn’s bill.Brown has defended the tax in-

creases enacted in the last eight yearsas necessary.“Marylanders did their part to pro-

tect our schools, safe neighborhoodsand the environment all so we couldensure that we have a vibrant econ-

omy and communities to attract fam-ilies and businesses to Maryland,”Brown said during an October 7 de-bate.Brown said he agrees with the

need for finding ways to lessen thetax burden for middle-class residentsin the form of targeted tax breaks forsmall businesses.A number of Democrats in the last

year have suggested that there may beroom for such relief in changing therates that affect those businesses,most of which are registered as Chap-ter S corporations and pay the sametax rates as individuals.Additionally, Brown has proposed

the appointment of a commission tomake recommendations on changingthe tax structure.

“Our tax code should reflect ourvalues, including a commitment toproviding relief for working and mid-dle-class families; encouraging em-ployers to create jobs in Maryland;and protecting our investments in ed-ucation, safety, the environment, andhealth care,” Brown writes in a cam-paign proposal.Brown said that commission

would be created within the first 100days of his administration and makerecommendations for legislation intime for the 2016 General Assemblysession.Brown has also gone so far as to

promise that he will not raise taxes.“Let me be clear, I don’t see the

need, nor as governor will I raisetaxes in a Brown-Ulman administra-tion,” said Brown, a declaration hemade in two separate debates withHogan earlier this month.The promise could paint Brown

into a corner when it comes to taxesincreases he’d like to support, such asthe tax on tobacco, and taxes thatmay need to be increased, such as thestate property tax that is used tocover state bonds.A growing reliance on borrowing

is creating a widening gap in what theproperty tax can cover. The next gov-ernor will likely have to find a way tocover an expected budget deficitalong with a projected $371 million indebt service.Without a property tax increase or

without cuts in state programs, themoney to cover the shortage wouldcome from the state general fund.That potential shortfall is projected togrow to $436 million in fiscal 2017,$493 million in fiscal 2018 and $519million in fiscal 2019, according to areport this year from the Marylandtreasurer.

TheDailyRecord.com 7AMonday, October 27, 2014

November 8th—7:00 PM

Sheraton Baltimore North

Dinner, Live Music, Silent and Live Auction

Presentation: “Voices of CASA”

Purchase Tickets at:

www.casachildren.corg

Tickets: $85 ($90 at the door)

For additional information or to sponsor our event contact the

CASA office at :410-828-0515

Budget >> Brown, Hogan focus their campaigns on economic issues Continued from 1A

Republican Larry Hogan (left) says, ‘We need to roll back as many of these 40 tax increases as we can.’ Democrat Anthony G. Brown has criticized Hogan’s call to reduce the corporatetax rate as a ‘$300 million giveaway’ to big corporations.

BRYAN P. SEARS

“Let me be clear, I don’tsee the need, nor asgovernor will I raisetaxes in a Brown-Ulmanadministration.

Lt. Gov. Anthony G. Brown

Page 8: Disbar 1st, explain why later - Maryland Daily Record

CollegeBound Foundation is a 501(c)3 organization. Tax deductible donations can be made online at collegeboundfoundation.orgor mailed to CollegeBound Foundation | 300 Water Street, Suite 300 | Baltimore, Maryland 21202.

give today at collegeboundfoundation.org! @collegeboundfnd

Name: Chaz Arnett, CollegeBound Alumni

Baltimore City Public High School: Baltimore City College, 1999

College: Morehouse College, 2003

Law School: Harvard Law School, 2006

Job: Assistant Public Defender, Maryland Office of the Public Defender, Juvenile Division

What College Means to Me: College is a ticket out, like a key to a door with limitless opportunities behind it. Going to college allowed me to go to places I would have never been, meet people I would have never met, and experience activities I would have never even known about. College not only gives kids a chance to expand their minds, but also provides them with the time and space to discover themselves. This skinny kid from East Baltimore found himself in college, and uncovered a passion inside, fighting for the most vulnerable in our criminal justice system, that would become the driving force for the rest of his career. I am forever thankful for that, and eternally grateful to CollegeBound for helping to make it happen.

The Lawyers’ Campaign for CollegeBound: For 26 years, CollegeBound has helped tens of thousands of low-income and first-generation Baltimore City students realize their dreams of a college education. This year, Rosedale Federal Savings & Loan will maximize your contribution through an unprecedented $100,000 Challenge Match. By giving to the Lawyers’ Campaign, you’re giving young people the chance to transform their own lives, to increase their opportunities, and to enrich the social and economic fabric of our city. Join us today by contributing at collegeboundfoundation.org.

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LAWYERs' CAMPAIGN

Page 9: Disbar 1st, explain why later - Maryland Daily Record

For most people, the odds of becom-ing infected are low, but in hospitals andother health care settings antibiotic-resis-tant bacteria are a serious threat.That was the message President

Barack Obama delivered last month whenhe signed an executive order directingpublic health officials and other stakehold-ers to develop a plan for reducing theemergence and spread of antibiotic-resis-tant bacteria.Obama’s call to action hit home for

Evan Jones, who, as CEO of Gaithersburg-based OpGen Inc., has made a career out

of stamping out superbugs.Earlier this year, OpGen unveiled a di-

agnostic test that enables hospitals to rap-idly screen patients for seven of the mostdangerous superbugs — or, more accu-rately, multidrug-resistant organisms(MDROs) — using just one patient swab.Called the Acuitas MDRO test, it would

enable hospitals to identify which patientsare carrying the bacteria. Then, providerscould isolate those patients to protect oth-ers. And, they’d know not to prescribe an-tibiotics for those patients, which wouldexacerbate the bacterium’s resistance tothe drugs.It’s a genetic test, which means it de-

tects genes associated with those sevendrug-resistant bacteria. The Acuitas testcan deliver results overnight, Jones said,whereas traditional bacterial cultures (themethod most commonly used to detect in-fections) take several days.Jones said about six hospitals in the

mid-Atlantic region are piloting the tests,though he declined to say which ones. Thecompany is now focused on persuadingmore hospitals to jump on board and buythem.Sounds like an easy sell, right? Not

necessarily.The tests are intended to screen entire

groups of people admitted to a hospital orhospital unit, regardless of whether theyexhibit symptoms. It’s a proactive ap-proach called active surveillance, and noteveryone in the medical community thinksit’s necessary or worthwhile.“Active surveillance has been dis-

cussed for decades,” said Dr. Anthony Har-ris, medical director of infection control atthe University of Maryland Medical Cen-ter. “It’s been used in some circles, andover the years it’s become popular, thenunpopular, and now it’s starting to rise inpopularity again.”Harris declined to comment specifi-

cally about OpGen’s Acuitas test becauseUMMC is involved in the pilots. He did saythat active surveillance in general has “thepotential for promise,” but for various rea-sons, it “hasn’t taken off or been widelyembraced.”For starters, the testing is expensive,

requires additional manpower and doesn’tdirectly generate new revenue.“[Hospital executives] will buy a $2

million robot to perform surgery with noevidence it improves patient outcomes

with the hope they can advertise it to getmore patients,” Harris said. “Whereas ifthe hospital says, ‘Look, we have this testfor preventing the rapid spread of multi-drug resistant bacteria,’ no patient is goingto flock to that hospital, so it’s not going toincrease revenue.”New regulations in Maryland might

change that dynamic, Harris said. Hospi-tals can benefit financially if they reducethe number of hospital-acquired infec-tions. So, testing for MDROs could savemoney indirectly by prompting hospitalsto isolate patients at risk of infecting oth-ers.Additionally, Obama’s executive order

could result in increased funding for epi-demiology departments and related re-search, Harris said. The order explicitlyasked stakeholders to “strengthen surveil-lance efforts” and to “develop and pro-mote the use of new, rapid diagnostictechnologies.”“It’s important that the president rec-

ognized this issue,” Jones said. “We thinkthis is how things will work in the future,that hospitals will get out in front, and testpatients proactively to prevent transmis-sion of hospital-acquired infections, andfor people already infected, work to havethe best possible outcomes.”With more funding and more aware-

ness of the issue, rapid testing could takeoff within a decade, Harris said.“People are concerned about antibiotic

resistance, but they don’t realize that thepeople in charge of infection control inhospitals are generally incredibly under-funded,” Harris said. “So if the public isconcerned about these infections, aboutEbola, they have to start demanding thatmore money be put toward these tech-nologies.”

TheDailyRecord.com 9AMonday, October 27, 2014

FRIDAY, NOVEMBER 77:30 – 9:30AM

FOUR SEASONS HOTEL200 International Drive, Baltimore, Maryland 21202

HOW WILL THE UPCOMING ELECTION AFFECT OUR ECONOMY?

Anirban Basu, one of the Mid-Atlantic region’s most recognizable economists, will discuss important topics that include: Economic

Development, Employment, Income, and Workforce Development.

Mr. Basu is the Chairman and CEO of Sage Policy Group, an economic and policy consulting firm in Baltimore. Event will take place at the Four

Seasons Hotel in Baltimore on Friday, November 7 from 7:30-9:30 am and will include networking opportunities and talk with Q&A session to follow.

Networking Breakfast Event $50/$45 WYPR membersTo purchase tickets: BASU.Eventbrite.com

EVENT SPONSORS:

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Superbug >> New diagnostic test helps hospitals screen patientsContinued from 1A

Evan Jones, chairman and CEO of OpGen, Inc., says six hospitals in the mid-Atlantic regionare testing his new diagnostic process for identifying multidrug-resistant organisms in apatient.

MAXIMILIAN FRANZ

Page 10: Disbar 1st, explain why later - Maryland Daily Record

10A TheDailyRecord.com Monday, October 27, 2014

THE BUSINESS ALBUM

PHOTOS BY KEVIN PARKS

“Renew & Rejoice: Celebrating MercyLeadership” was the theme of severalevents in early October that recognizedMercy High School’s new leadershipteam.

One of those gatherings was a recep-tion held Oct. 2 in the school’s Harry &Jeanette Weinberg Auditorium. The 200guests included Baltimore civic and busi-ness leaders in addition to alumnae andfriends of Mercy High School.

Mary Beth Lennon, the new president,is the first alumna to serve as president ofMercy High School. She is also the firstpermanent lay woman in that role. JoiningLennon on the leadership team are Jeanne

Blakeslee, principal, and Mary Ella Mar-ion, also a Mercy alumna, as dean of stu-dents.

“Mercy High School alumnae arecalled to respond to the needs of theworld in new and unprecedented ways. Inthe plainest words possible, to get up,find a need and make a difference,”Lennon said. “And that is exactly what thenew leadership team is planning to do. Weare partnering with business leaders tobring Mercy High School to a new level ofexcellence.”

Mercy High School, an all-girls, collegepreparatory school in Baltimore, wasfounded by the Sisters of Mercy in 1960.

Mercy High recognizesnew leadership team

tell our readers about your charity work or company milestoneThe Daily Record welcomes submissions, including photographs, to The Business Album. The preferred method of receipt is via email.

Send to [email protected]. To submit by mail, send to The Business Album; The Daily Record; 11 E. Saratoga St.; Baltimore, MD 21202.

Margi Marconi Palmer ‘75, client relationship specialist, Waypoint Wealth Management (left), catches up with Sister Suzanne Bender Weetenkamp ‘66, RSM,vocation minister, Sisters of Mercy, at the “Renew & Rejoice: Celebrating MercyLeadership” reception.

Kevin Burke, administrative vice president, Wealth Advisory Services, WilmingtonTrust, N.A. welcomes guests at the Oct. 2 “Renew & Rejoice: Celebrating MercyLeadership” reception.

From left, Cindy Magruder, learning differences specialist, Mercy High School; D’Ana Downing, directorof development, Sisters Academy; and Sister Augusta Reilly, RSM, member of the board of SistersAcademy, enjoy the reception the evening of Oct. 2. Carol E. Smith ‘64, retired associate judge of the Baltimore City Circuit Court (left),

talks with Sister Patricia Smith, RSM, Ph.D., chair of the board of trustees at MercyHigh School.

Bill Henry, councilman, Baltimore City Council (left) and Lenora F. Henry ‘88, associate director of development, House of Ruth (right), congratulate Mary Beth Lennon ‘85, the new president of MercyHigh School.

Page 11: Disbar 1st, explain why later - Maryland Daily Record

BY DENNIS TING AND BEENA RAGHAVENDRAN

Capital News Service

HAGERSTOWN — John Andersonand James Jones walked into theirclassroom at the Maryland CorrectionalTraining Center in Hagerstown on a re-cent morning wearing their jumpsuits tostart another day of work. But the inmates’ jumpsuits were

thick, protective body suits with a meshhead cover, and their classroom was ac-tually a yard— filled with thousands ofbuzzing bees.Two correctional officers, Cpl.

Chuck Neikirk and Lt. Jeff Golden, whoare known around the prison as “masterbeekeepers,” are leading the new bee-keeping program at the correctional fa-cility. Neikirk said that the wardenapproached them about starting up aclass after finding out that the two keptbees in their spare time.The program started in August 2013

with a gift of about 100,000 bees from abee apiary in Germantown. The correc-tional officers teach the inmates how tobecome beekeepers, about the environ-mental impact of the bees and how toprocess honey. The program harvested its first

batch of honey — almost five gallons ofit — in August 2014. According toNeikirk, some of the honey went to theprison’s kitchen while some of it wentto food banks in Maryland.

Population in declineIt’s a precarious situation for bees

across the country. The bee popula-tion has declined from about 6 millioncolonies in 1947 to about 2.5 milliontoday, the U.S. Department of Agricul-ture reported in 2012.Experts point to a population loss

called Colony Collapse Disorder, inwhich the queen bee survives, but theadult bees that support her vanish.The USDA said farmers began report-ing significant colony losses in 2006.Causes could include pesticides, par-asites or global warming.Dennis vanEngelsdorp, an assis-

tant professor in the University ofMaryland’s entomology department,said he hasn’t seen Colony CollapseDisorder in colonies he’s looked at re-cently. But nationwide, the loss ratefor colonies has been about 30 per-cent.And the loss is steeper in Maryland

than in other parts of the country, vanEngelsdorp said. It’s harder for bees to find in food

in Maryland than in areas wherefarms are plentiful, such as the Mid-west. And many beekeepers in Mary-land do not take steps to preventmites that harm the bees, vanEngels-dorp said. “It’s important to realize that bees

are essential to our food supply,” va-nEngelsdorp said.Without bees, the world is in trou-

ble. Each year, more than $15 billionin U.S. crops and vegetables are pol-linated by bees, including apples,berries and cucumbers, the NationalResources Defense Council reportedin 2011. And the global economic costof the bee decline has been estimatedas high as $5.7 billion per year, theNRDC said.

TheDailyRecord.com 11AMonday, October 27, 2014

LEGAL NEWSThe buzz behind bars

In Hagerstown, inmates harvest honey and learn from master beekeepers

Solo disbarred for misappropriation of funds

BY STEVE LASH

[email protected]

Maryland’s top court has unani-mously ordered the disbarment of aTowson-based solo practitioner afterconcluding he bounced checks toclients and failed to “competently anddiligently” pursue collection cases andcivil claims for clients.Jason Robin Gelb had drawn the

checks on his client trust account,which contained the clients’ ownmoney, the Court of Appeals held. Thetop court found he lacked sufficientfunds in the account because he hadmisappropriated the earmarked money,a clear violation of the MarylandLawyers’ Rules of Professional Con-duct.Gelb, who was admitted to practice

in Maryland in 2006, also violated therules by failing to pursue collectionclaims for several bail-bond company

clients, potentially costing them thou-sands of dollars, the court said.“While the misappropriation of

client funds alone will result in disbar-ment in the absence of compelling ex-tenuating circumstances, here [Gelb’s]misconduct in misappropriating fundsis exacerbated by multiple other viola-tions, including his failure to providecompetent representation to his clients,his failure to prosecute diligently hisclients’ claims and his failure to commu-nicate adequately with his clients ontheir respective matters,” Chief JudgeMary Ellen Barbera wrote for the highcourt.“These combined violations create

an even stronger case for disbarment,”she added. “Respondent did not offer,nor did the hearing judge find, any mit-igating circumstances, compelling orotherwise, that would justify a lightersanction.”The telephone number of Gelb’s

Towson office is “not in service,” ac-cording to a telephone company record-ing.Bar Counsel Glenn M. Grossman

was out of the office Friday and unavail-able for comment, according to both anaide and an automatic reply to an email

message sent to him. Gelb’s disbarment followed an inves-

tigation by the Attorney GrievanceCommission, which had received com-plaints from three of his former clients:Calvin Jones, owner of Mr. Bail Bondsand Elite Bail Bonds; Alan Jones Jr.,owner of 410 Bail Bonds LLC; andStephanie Dress, who had hired Gelbafter being in a car crash. The Court of Appeals referred the

disciplinary matter to Carroll CountyCircuit Judge J. Barry Hughes for ahearing and findings of fact.

Gelb attended neither that hearingon Dec. 13 nor a scheduled Sept. 4 oralargument on his disciplinary matter be-fore the high court, according to Bar-bera’s opinion. The case is Attorney Grievance

Commission v. Jason Robin Gelb,Misc. Docket AG No. 36, SeptemberTerm 2013.

Explanations givenThe Court of Appeals also filed

unanimous opinions on Wednesday ex-plaining why it had issued one-page dis-barment orders against two attorneysthe same day it heard arguments ontheir disciplinary cases.

The high court ordered MichaelFrancis Barnett’s disbarment on Oct. 3after concluding he had forged a client’ssignature on an affidavit of indigency,failed to notify a client of hearing datesand made “material misrepresenta-tions” to bar counsel during its investi-gation of his conduct, Judge Shirley M.Watts wrote in the court’s opinion in At-torney Grievance Commission v.Michael Francis Barnett, Misc. DocketAG No. 28, September Term 2013.The court ordered Thomas Wesley

Felder II’s disbarment on Sept. 11, say-ing he had failed to perform legal serv-ices for clients after accepting aretainer, had ignored clients’ requestsfor updates, had abandoned representa-tion without communication and didnot maintain his clients’ funds in trust,Judge Sally D. Adkins wrote in thecourt’s opinion in Attorney GrievanceCommission v. Thomas Wesley FelderII, Misc. Docket AG No. 33, SeptemberTerm 2013. The same-day sanctions were

among nine the court has issued sinceSeptember 2013, when Chief JudgeMary Ellen Barbera took the reins atthe top court; see related story, page1A.

Court also explainssanctions in two earlier cases

See prison bees 13A

Declining bee populations nationwide are motivating prison programs like the one atMaryland Correctional Training Center in Hagerstown, above.

CNS

MCTC harvested almost five gallons of honey this August. Some went to the prison’s kitchenwhile some went to food banks in Maryland.

CNS

Page 12: Disbar 1st, explain why later - Maryland Daily Record

12A TheDailyRecord.com Monday, October 27, 2014

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Alleged Philadelphia mob boss headedback to prison for not reporting meeting(AP) A reputed former mob boss was ordered backto prison Friday for violating parole, and his lawyercomplained that the FBI would pursue his client “tothe grave.” Joseph “Skinny Joey” Merlino, the re-puted head of Philadelphia’s La Cosa Nostra in the1990s, must serve four additional months for failingto report a meeting with a former co-defendant at aBoca Raton, Florida, cigar bar. “I never had dinnerwith Johnny Ciancaglini. I bumped into him,” saidMerlino, appearing fit and tan on a return trip toPhiladelphia. “I didn’t report it. ... It just slipped mymind.” Merlino, 52, has been living in South Floridasince 2011, when he left prison after more than adecade from a Philadelphia racketeering conviction.The FBI has been tailing Merlino as part of a new,unspecified criminal probe, according to testimonyFriday from organized crime task force members.The night of the cigar bar meeting in June, five peo-ple in five cars were on the surveillance detail.

MTA officer convicted of assault while off-duty(AP) A Maryland Transportation Authority policeofficer has been convicted in the off-duty assaultof a man who was beaten in the head with a gun.A Baltimore City Circuit Court judge convicted41-year-old Derwin Waldron on two assaultcharges and other counts on Wednesday. Waldronfaces a minimum five-year prison sentence at hissentencing Dec. 8. Waldron’s attorney didn’t im-mediately return a message seeking comment Fri-day. On March 31, 2012, prosecutors say Waldronwas in a car driven by his daughter when threemen walked by and one briefly sat on the hood.Shortly after, the men say Waldron came up be-hind them and beat one of them over the headwith a gun, causing serious injuries. Waldron isalso accused of pointing the gun at the other twomen. Transportation Authority Police said Fridaythat Waldron resigned after being convicted.

Woman paralyzed in crash awarded$20 million in lawsuit against Mazda (AP) A Virginia jury has awarded $20 million to awoman who sued Mazda Motor Corp. after her con-vertible sports car crashed and left her paralyzed.The Roanoke Circuit Court jury reached its decisionin the product liability lawsuit Wednesday night. TheRoanoke Times reported 35-year-old Shannon Wal-ters testified she swerved to avoid a plastic swim-ming pool that slid out of the bed of a pickup truckin June 2006 in Bedford County. Her Mazda Miataoverturned onto its roof. Walters’ lawsuit claims theMiata had a defective design — that a latch systemsupposed to hold the windshield to the convertiblecanvas top failed when the car overturned. Thewindshield collapsed onto her. Mazda spokesmanEric Booth says the company maintains the designwasn’t defective. Mazda is considering an appeal.

Compiled by Ray Frager

LAW BRIEFS

Page 13: Disbar 1st, explain why later - Maryland Daily Record

BY GREG STOHR

Bloomberg

It’s been a weird month at the U.S.Supreme Court. The oldest justicepulls an all-nighter. Another acciden-tally stops gay weddings in Nevada.And the court makes its mark onsame-sex marriage, abortion and theNovember election without offeringany explanation.

Maybe Chief Justice John Robertswanted to mix things up as he beganhis 10th term.

The oddities started on the firstMonday of October, the term’s tradi-tional kickoff day. At 9:30 a.m. thepress corps was handed what lookedto be a routine list of orders. Re-porters soon realized that more than30 pages were missing.

Those pages turned out to containsurprising news: The court, withoutcomment, was letting gay marriagestart in as many as 11 more states.

Two days later, a building thatcloses to the public at 4:30 p.m.turned into Night Court. At 6:50 p.m.on Oct. 8 the court blocked same-dayvoter registration in North Carolina.The coming days saw a 9 p.m. orderhalting Wisconsin’s voter-ID law and

a 6:30 p.m. order stopping Texas’snew abortion restrictions. In eachcase, the majority gave no reasoning.

Along the way, Justice AnthonyKennedy issued what he thought wasa temporary halt to the start of gaymarriage in Idaho, whose governorwas seeking a delay. The hitch wasthat the order contained a case num-ber that also made it applicable to Ne-vada, where officials were poised tostart issuing licenses.

Kennedy issued a corrected orderlater that day, clearing weddings tobegin in Nevada. The court eventuallylifted the Idaho stay as well.

Notorious GinsburgFinally, there was Ruth Bader

Ginsburg, the 81-year-old justice whoin liberal circles has become a hero-ine, fondly nicknamed “notoriousR.B.G.”

Displeased that the court waspoised to issue an election- relatedorder that would let Texas requirephoto IDs at the polls, Ginsburg set towork on a dissent that took almostuntil dawn on a Saturday morning.The court released the order and dis-sent at 5:05 a.m. on Oct. 18.

At a public appearance the nextday, Ginsburg laughed when asked

why it took her until the wee hours.With the last brief filed less than 24hours earlier, “there wasn’t muchtime to write the dissent,” she said.

As it turns out, Ginsburg mighthave benefited from a little moretime. This week, the court deleted asentence in her opinion that had in-correctly said Texas wouldn’t acceptID cards issued by the Department ofVeterans’ Affairs.

The announcement, issued atGinsburg’s instruction, was unprece-dented. Then again, at the SupremeCourt this month, it was practicallybusiness as usual.

The threats to bees nationwide arefurther motivating the prison’s pro-gram. Prisons in states including Ore-gon, Texas and Washington haveimplemented similar beekeeping pro-grams.

“The bees are such an integral partof the environment,” Neikirk said.“It’s essential for pollination. Andwithout pollination, things just die.”

Skills and societal lessonsThe pollinators have had an im-

pact on the inmates at the prison, whocheck on the bees once weekly.

“I was ignorant about the bees,”Anderson said. “I was scared of them.

They’re like spiders. They’re scary,but what most people don’t know ishow important they are to the envi-ronment and the ecosystem.”

But aside from teaching the in-mates about maintaining the bee pop-ulation, the correctional facilityhopes the program helps inmates pre-pare for life after prison.

“I’m very encouraged by what I’veseen,” said Gerard Shields, thespokesman for the Maryland Dept. ofPublic Safety and Correctional Serv-ices. “I remember one of the guardstelling me that the inmates, he said,‘The thing I’ve learned is that beeswork in a society. They work togetherand they know their jobs. And we asa society should be doing the same

things.”Anderson said he is looking for-

ward to using his new skills to getback on track once he’s released fromthe prison.

“I wouldn’t mind having a hive inmy backyard, teaching my son how tomaintain them and to make honey,”Anderson said. “You can make somemoney with honey.”

Jones agrees, and said he knowshis lessons learned in prison will pushhim forward.

“I know I wasn’t on a good path inmy past life,” Jones said. “Me learningso much in Hagerstown is actuallygoing to help me stay away from thestreets and give me a new attitude onthings.”

TheDailyRecord.com 13AMonday, October 27, 2014

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Prison bees >> Inmates overcome fear, learn respectContinued from 11A

Page 14: Disbar 1st, explain why later - Maryland Daily Record

The switch to a quick turnaround hasnot gone unnoticed at the Attorney Griev-ance Commission, whose Bar Counsel in-vestigates and seeks sanctions againstattorneys accused of wrongdoing.

“The Office of Bar Counsel appreci-ates the expedited dispositions,” saidDeputy Bar Counsel Raymond A. Hein.

Hein and others also noted that fastresolution also advances the stated goalof the disciplinary process: not to punishthe attorney, but to protect the public.

“If the court has concluded that agiven attorney is a danger to the public,why wait to remove them from the prac-tice of law?” said Irwin R. Kramer, whohas often represented lawyers facing dis-ciplinary action.

Not including disbarments by consent,the Barbera Court has disbarred 20lawyers in petitions it heard since the startof the September 2013 Term, according toorders and opinions listed on the court’s

website. “It does seem

that when there is aunanimous vote todisbar, they go rightahead and issue theopinion,” said StevenM. Klepper, editor-in-chief of the MarylandAppellate Blog, whichtracks the goings onof the Court of Ap-peals.

All told, theBarbera Court has heard 41 attorneygrievance cases since September 2013. Asof Friday, there were seven such cases

awaiting resolution, all of them heard be-tween Sept. 3 and Oct. 7. Excluding theundecided cases as well as consent sanc-tions, the Barbera Court’s average wait fora decision in an attorney grievance caseso far is 37.4 days.

By contrast, the court heard 23 attor-ney grievance cases in the September2012 term, Bell’s last. Not counting TiffanyAustin, who consented to disbarmentthree weeks after argument, the BellCourt disbarred 11 lawyers, one on thesame day as it heard arguments. Overall,the average wait for resolution of an at-torney grievance case in Bell’s last termwas 97.5 days. That compared to fivemonths for all types of cases, according

to The Daily Record’s prior reports on thelengthy wait for opinions during Bell’stenure.

The current court’s faster resolutionsare in line with Barbera’s stated goal ofhaving the Court of Appeals decide all ofthe cases it hears in a term by the last dayof that term, a standard she reached lastyear and has pledged to uphold.

“Efficiency is clearly proving to be ahallmark of Chief Judge Barbera’s court,”said Klepper, a principal at Kramon &Graham P.A. in Baltimore.

Barbera was away at a judicial confer-ence last week and could not be reachedfor comment.

Kramer, of Kramer & Connolly in Reis-

terstown, said his only concern about im-mediate disbarments was that it giveslawyers no time to wind down their prac-tice, which could harm existing clients.Hodes, in an interview last week with TheDaily Record, said he decided to an-nounce his retirement as a lawyer Oct. 1figuring he would have a couple weeks towind down his practice before the courtweighed in on his disciplinary matter.

Knowing the top court could takeswift action would not impact howKramer prepared or presented his case tothe judges, he added.

“If a client is not worthy of disbar-ment, I’d make the same argument to theCourt of Appeals,” Kramer said.

14A TheDailyRecord.com Monday, October 27, 2014

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Page 15: Disbar 1st, explain why later - Maryland Daily Record

The Eastern Shore of Maryland con-sists of nine rural and bucolic countiesand is home to less than one percent of thestate’s lawyers. Yet the demand for civillegal services to help low-income peopleis high, especially with the recession andhigh unemployment.So what is a rural pro bono program to

do?

At Mid-Shore Pro Bono, founded in2005 to provide free and low-cost legalservices to low-income people, there’s nosingle answer.“The Eastern Shore is such a unique

place,” said Sandy Brown, executive direc-tor of the nonprofit located in Easton.“There are no large cities or law schools.And there’s a huge disparity of wealth,with both the very rich and the very poorliving here. “You can see abandoned houses in

Caroline County and private jets in Eas-ton,” she said. “It’s frustrating to run a legalservices program that serves an invisiblepopulation to the general public.”Add to that the challenge of rural ge-

ography and the lack of public transporta-tion.“While this is a lovely vacation destina-

tion, there are still critical needs,” Brown

continued. “But you can’t track what youdon’t know or can’t see. That’s one reasonwe put a laptop in our lobby — for peoplewho don’t have access to a computer.”

Brown, who joined MSPB six yearsago this fall, said her first priority is gettinglawyers to volunteer. “It’s mostly smallfirms on the Shore, and I tap the same at-torneys over and over,” she said. “I try toengage as many like-minded people aspossible.”Last year, MSPB referred more than

250 people to pro bono attorneys, whileproviding free legal advice to over 1,300people at legal clinics in theefive countiesthe program covers — Talbot, Kent,Queen Anne’s, Caroline, and Dorchester.That same year, MSPB facilitated

nearly 6,000 hours of pro bono service val-ued at almost $2 million.“Our job is to place the cases and con-

nect people with relevant resources, andwe do it in a multitude of ways,” Brownsaid. “The free legal clinics are often amore appealing option to a busy attor-ney—to give someone brief advice ratherthan to represent them in court.”It doesn’t hurt her recruiting efforts

that the Shore is a retirement haven forlawyers.“The retired lawyers on our pro bono

panel love the clinics,” Brown said. “Theycan volunteer even if they weren’t litiga-tors or had worked for the government.The clinics are by appointment, and we donice triage here. It’s a way to give peoplewhat they need.”A pending Maryland Rule change will

allow out-of-state attorneys to do probono work for programs funded by theMaryland Legal Services Corp., MSPB’slargest funder. “That will help immensely,”

Brown added. “We have a lot of D.C.lawyers living here.”Other programs offered by MSPB in-

clude the Judicare Family Law Project(which pays lawyers a reduced $80 anhour rate for contested family law cases),the Foreclosure Prevention Pro BonoProject (to train and place pro bonolawyers to help people facing foreclo-sure), and the Debtor Assistance Project(which provides debtors with a free, half-hour consultation with a bankruptcy attor-ney).Mid-Shore also manages the Con-

sumer Protection Project in collaborationwith the Pro Bono Resource Center; theCollaborative Practice Reduced Fee Proj-ect, which pays lawyers a reduced fee toresolve domestic issues outside of court;the Community Conferencing Project,where a trained facilitator brings togethervictims and offenders to resolve a matter;and the Women’s Family Law Project,which provides additional support forwomen seeking legal help in family lawdisputes.Finding clients is not a problem.“We have clients coming to our office

every day,” Brown said. “With only twofull-time staff members, plus our projectcoordinators, we are always busy. Wework together as a team to make sureevery client is connected to a resource.”By type of case handled, family law is

always the biggest, Brown said. “We’reseeing lots of repeats, which is hard tomanage when there are so many othersasking for help. It’s a challenge to say noto them.”Reflecting the rural nature of the

Shore, the judiciary and private bar arevery supportive.“Members of the judiciary sit on our

advisory board and recognize the need forlocal attorneys to take pro bono cases,”Brown said. “We understand that notevery attorney has the ability to take acase involving direct representation, sowe created many opportunities for themto do pro bono. It doesn’t have to be a con-tested custody case. You can volunteer ina clinic and help get an issue resolved in30 minutes.”In spite of funding challenges and the

relative dearth of attorneys, MSPB is suc-cessful in its mission to match clients tovolunteer attorneys.“We funneled over 1,800 intakes last

year — all of them calls for service,”Brown said. “We try our damndest toplace them or just get them in a clinic. Ourgoal is to have a cadre of attorneys whocould call and walk them through their is-sues.“The reason we do so well is we’re so

engaged in our community,” she contin-ued. “While we have a lean staff, we allback each other up. I still pick up thephone to field an intake. We let attorneysuse our office to meet with clients, sincewe’re centrally located. It’s convenient. Weconsider ourselves a partner.”But two needs won’t go away, Brown

added.“We need more attorneys who live or

retired to the Eastern Shore to volunteerand, as with most nonprofits, we need do-nations and community support.” Joe Surkiewicz is director of communica-tions at the Homeless Persons Representa-tion Project in Baltimore. His email [email protected].

TheDailyRecord.com 15AMonday, October 27, 2014

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Plaintiff’s Side Labor & Employment LitigationFederal Sector Labor & Employment Law

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12:54 704 Benninghaus Rd, Baltimore, 21212 - Sale Date: 20141112 -

Time: 09:50 1433 Walker Ave, Baltimore, 21239 - Sale Date: 20141112 - Time:

09:50 3907 Bateman Ave, Baltimore, 21216 - Sale Date: 20141112 - Time:

12:51 4405 Rokeby Rd, Baltimore, 21229 - Sale Date: 20141112 - Time:

12:52 1315 Roland Heights Ave, Baltimore, 21211 - Sale Date: 20141112

- Time: 09:50 4303 Woodlea Ave, Baltimore, 21206 - Sale Date: 20141112 - Time:

12:50Estate Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3BElliott, William JFarley, ThelmaFreeman, Patricia AnnKearson, Callie LeeYates, MargaretPersonal Property - Storage Auctions . . . . . . . . . . .5B8800 Wise Avenue, etc.- NOTICE OF PUBLIC SALE OF PERSONAL

PROPERTY - Sale Date: November 3 & 4, 2014 - Time: 9:30am

Decree NISI . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4B1317 Sherwood Ave Baltimore, MD 21239-22252585 W Baltimore St Baltimore, MD 21223-2001313 W Mosher St Baltimore, MD 21217-3651321 S Durham St Baltimore, MD 21231-25193752 Columbus Dr Baltimore, MD 21215-61224629 Mary Ave Baltimore, MD 21206-281648 S Kossuth St Baltimore, MD 21229-36215913 Eurith Ave Baltimore, MD 21206-2738628 N Kenwood Ave Baltimore, MD 21205-2629Redemption Notices - Project 5000 . . . . . . . . . . . . . .4B1930 W Baltimore St Baltimore, MD 21223-2245

Upcoming Property AuctionsOCTOBER 28, 2014

Baltimore City816 Brooks Lane, at the Circuit Court for Baltimore City, Clarence

M. Mitchell Cout House, 100 N. Calvert Street, Court HouseDoor, Calvert Street entrance, at 10:00 AM, Alex Cooper

703 Brune Street, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:30 AM, Harvey West

2116 Pelham Avenue, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:30 AM, Harvey West

OCTOBER 29, 2014

Baltimore City6214 Pilgrim Road, at the Circuit Court for Baltimore City,

Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 12:58 PM, Alex Cooper

1119 Woodheights Avenue, at the Circuit Court for BaltimoreCity, Clarence M. Mitchell Cout House, 100 N. Calvert Street,Court House Door, Calvert Street entrance, at 12:59 PM, AlexCooper

1103 Whatcoat Street, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:00 PM, Alex Cooper

1916 Wadsworth Way, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:01 PM, Alex Cooper

229 N Linwood Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:03 PM, Alex Cooper

3306 Bayonne Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:04 PM, Alex Cooper

3711 Hillsdale Road, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:05 PM, Alex Cooper

3102 Gibbons Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:06 PM, Alex Cooper

518 Richwood Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:06 PM, Alex Cooper

2033 Deering Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:07 PM, Alex Cooper

3912 Woodlea Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:08 PM, Alex Cooper

4006 Eierman Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 1:09 PM, Alex Cooper

3800 W Overlea Avenue, At the Courthouse Door, (CourthouseWest), 100 N. Calvert Street, (Calvert Street entrance) at 9:50AM, Tidewater

3006 Frisby Street, At the Courthouse Door, (Courthouse West), 100N. Calvert Street, (Calvert Street entrance) at 9:50 AM, Tidewater

5611 Pimlico Road, At the Courthouse Door, (Courthouse West),100 N. Calvert Street, (Calvert Street entrance) at 9:50 AM,Tidewater

2604 Hermosa Avenue, At the Courthouse Door, (CourthouseWest), 100 N. Calvert Street, (Calvert Street entrance) at 9:50AM, Tidewater

5342 Perring Parkway, At the Courthouse Door, (CourthouseWest), 100 N. Calvert Street, (Calvert Street entrance) at 9:50AM, Tidewater

OCTOBER 30, 2014

Baltimore City3513 Hayward Avenue, on the premises, at 11:00 AM, A.J. Billig3621 E Fayette Street, at the Circuit Court for Baltimore City,

Clarence M. Mitchell Cout House, 100 N. Calvert Street, CourtHouse Door, Calvert Street entrance, at 9:30 AM, Alex Cooper

Index of First PublicationsTrustee’s Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5B2815 Woodbrook Ave, Baltimore, 21217 - Sale Date: 20141113 -

Time: 11:00

2608 Moore Ave, Parkville, 21234 - Sale Date: 20141113 - Time:11:00

1647 Williams Ave, Essex, 21221 - Sale Date: 20141113 - Time:11:00

3106 Chesley Ave, Parkville, 21234 - Sale Date: 20141113 - Time:11:00

319 S Highland Ave, Baltimore, 21224 - Sale Date: 20141113 -Time: 09:32

1128 N Calhoun St, Baltimore, 21217 - Sale Date: 20141113 -Time: 09:35

337 E 28th St, Baltimore, 21218 - Sale Date: 20141113 - Time:09:33

4009 Wilsby Ave, Baltimore, 21218 - Sale Date: 20141113 - Time:11:00

4101 Tiverton Rd, Randallstown, 21133 - Sale Date: 20141113 -Time: 11:00

437 Orchard St, Baltimore, 21201 - Sale Date: 20141113 - Time:09:34

4817 Westparkway, Baltimore, 21229 - Sale Date: 20141113 -Time: 09:30

4314 Colborne Rd, Baltimore, 21229 - Sale Date: 20141113 - Time:11:00

3320 Lawnview Ave, Baltimore, 21213 - Sale Date: 20141113 -Time: 11:00

23 Maryland Ave, Dundalk, 21222 - Sale Date: 20141113 - Time:11:00

2639 Boston St Apt 305, Baltimore, 21224 - Sale Date: 20141113- Time: 11:00

6617 Bowman Hill Dr, Gwynn Oak, 21207 - Sale Date: 20141113- Time: 11:00

721 E Cold Spring Ln, Baltimore, 21212 - Sale Date: 20141113 -Time: 09:31

4032 Cedar Mills Rd, Randallstown, 21133 - Sale Date: 20141113- Time: 11:00

7619 Mars Ave, Parkville, 21234 - Sale Date: 20141113 - Time:11:00

4203 Kenshaw Ave, Baltimore, 21215 - Sale Date: 20141113 -Time: 09:36

4417 Falls Bridge Dr # E, Baltimore, 21211 - Sale Date: 20141113- Time: 11:00

2033 Guilford Ave, Baltimore, 21218 - Sale Date: 20141113 - Time:11:00

640 E 29th St, Baltimore, 21218 - Sale Date: 20141113 - Time:11:00

615 S Pulaski St, Baltimore, 21223 - Sale Date: 20141113 - Time:11:00

4651 Park Heights Ave, Baltimore, 21215 - Sale Date: 20141112- Time: 12:00

4549 Pen Lucy Rd, Baltimore, 21229 - Sale Date: 20141112 - Time: Continued on 2B

Statement of notices

The Daily Record Public Noticesection contains notices that arerequired by law to be publishedin a newspaper of generalcirculation. Public noticesdescribe activity of publicinterest and concern and reportactivity or planned activity bygovernment, including thecourts.Inside this section, you will findvarious public notices. Thesection starts with an index to allthe first publication notices. Theads are organized by type andinclude the following:

PUBLIC NOTICE TYPESNotice to Creditors – When anestate is filed, the law requires a

“Notice to Creditors” be filed andpublished in a newspaper once aweek for three successive weeks.

Property Sales –These property orauction sales givenotice of impendingauctions of propertydue to foreclosure action. Thenotice will include pertinentinformation such as the addressof the property and date and timeof the sale. Refer to theUpcoming Property Auctionsfeature in the front of the sectionto see the auction salesscheduled for a particular day.These sales can be cancelled atany time, and the informationpresented here is correct at thetime of publication.

Storage Unit Auctions – InMaryland, notification of storageunit auctions is required by law.The notice gives the time anddate of auction forthe contents ofvarious storage unitson which requiredpayments have notbeen made or other legalrequirements have not been met.

Rights of Redemption –Properties that have liens filedagainst them for unpaid taxes orother municipal charges may besold at public auction atjurisdictional tax sales. Rights ofRedemption notices serve noticethat all efforts have beenexhausted to secure the paymentof those liens and foreclosureproceedings have been initiated.

Notice of Sale – After aproperty has been sold atauction, a Notice of Sale must bepublished which states that thesale occurred and the property’spurchase price.

Other Legal Notices – Othernotices you may find in thissection includeName Changes,Termination ofParental Rights,Foundation Notices and othernotices required by law.

Court Calendars – On a dailybasis, The Daily Record publishescourt calendars from the CircuitCourt of Baltimore City and theBaltimore City and BaltimoreCounty Orphans’ Court. On amonthly basis, we publish

Maryland Court ofAppeals and theMaryland Court ofSpecial Appealsschedule.

Opinion Index – On a dailybasis, The Daily Recordpublishes a listing of recentlyfiled reported and unreportedopinions. The summary ofreported opinions is published asavailable and the full textopinions may be obtainedthrough our Recordfax service.

To submit a public notice, pleasecontact Darlene Miller at 443-524-8188 or send your ad [email protected].

Monday, October 27, 2014

TOPIC INDEXREAL ESTATE, includes foreclosures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4BPERSONAL PROPERTY, includes seized, unclaimed property . . . . . . . . . . . . . . . . . . . .5BPROBATE, notices related to wills and estates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3BBIDS, includes state, county, municiple contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3B

Page 18: Disbar 1st, explain why later - Maryland Daily Record

Notice of NEW and IMPROVED

Public Notice Database

http://publicnotices.thedailyrecord.com

NOTICE IS HEREBY GIVEN that The Daily Record has rolled out a new and improved database making it easier to find public notices in your community.DATE OF ROLLOUT: Effective immediately.

The new and improved database can be found at

Here’s what we’ve added:

Try it Today!

Interactive Maps – See where and whatpublic notices have been posted in the last 30 days.

“Notices Near Me”– Find notices close tohome with a built-in GPS feature supported byGoogle Maps. Or searchby zip code, city, state orcounty.

Advanced Search Features – Narrow down your findings. Search bydates, keywords, customer name, property zip code, auction date, borrower name, bid location and more!

Link to County Data – We’ve included property IDs that directly link you to detailed county information associated with the property.

Data Downloads –Gain access to notices as they appear in the paper, graphical exhibits, affidavits, maps, charts and export notices intoan easy-to-use Excel spreadsheet.

Page 19: Disbar 1st, explain why later - Maryland Daily Record

The Daily Record 3BMonday, October 27, 2014 THEDAILYRECORD.COM

3207 Mondawmin Avenue, at the Circuit Court for BaltimoreCity, Clarence M. Mitchell Cout House, 100 N. Calvert Street,Court House Door, Calvert Street entrance, at 9:32 AM, AlexCooper

6908 Old Harford Road, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street,Court House Door, Calvert Street entrance, at 9:33 AM, AlexCooper

911 N Luzerne Avenue, at the Circuit Court for Baltimore City,Clarence M. Mitchell Cout House, 100 N. Calvert Street,Court House Door, Calvert Street entrance, at 9:34 AM, AlexCooper

2912 Fleetwood Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

4024 N Rogers Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

3338 Avondale Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

2811 Hollins Ferry Road, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

4811 The Alameda, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

4705 Grindon Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

5403 Willowmere Way, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

1472 Woodall Street, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

5216 Harford Road, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

4033 Boarman Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

732 Ponca Street, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

2718 Erdman Avenue, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

1636 Chilton Street, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

1129 Sargeant Street, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

1011 Bonaparte Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

3014 Weaver Avenue, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

1308 Ramblewood Road, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 10:00 AM, HarveyWest

2525 Garrett Avenue, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

3739 Clarenell Road, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 10:00 AM, Harvey West

3535 Old York Road, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 11:00 AM, Harvey West

1029 Stamford Road, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 11:00 AM, Harvey West

3713 N Rogers Avenue, at the Baltimore City Courthouse, 100N. Calvert Street (Courthouse West) at 11:00 AM, HarveyWest

2212 Eastern Avenue, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 11:00 AM, Harvey West

5413 Hillen Road, at the Baltimore City Courthouse, 100 N.Calvert Street (Courthouse West) at 11:00 AM, Harvey West

Baltimore County804 Walker Avenue, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West906 Rosedale Avenue, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West7234 Early Golden Lane, at the Courthouse for the City of

Baltimore, 100 N. Calvert Street at 12:15 PM, Harvey West2060 Jasmine Road, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West7123 Olivia Road, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West2112 Lodge Forest Drive, at the Courthouse for the City of

Baltimore, 100 N. Calvert Street at 12:15 PM, Harvey West9405 Manor Forge Way, # 69, at the Courthouse for the City of

Baltimore, 100 N. Calvert Street at 12:15 PM, Harvey West1132 Ingate Road, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West4 Ridgelawn Road, Unit B, at the Courthouse for the City of

Baltimore, 100 N. Calvert Street at 12:15 PM, Harvey West4611 Ridgeway Avenue, at the Courthouse for the City of

Baltimore, 100 N. Calvert Street at 12:15 PM, Harvey West3635 Eitemiller Road, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West15 Sunday Court, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West1900 Woodside Avenue, at the Courthouse for the City of

Baltimore, 100 N. Calvert Street at 12:15 PM, Harvey West9824 Linden Hill Road, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West1426 Clairidge Road, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West4502 Fullerton Avenue, at the Courthouse for the City of Baltimore,

100 N. Calvert Street at 12:15 PM, Harvey West

Estate of Lynn T. Hebden/99539; Court’s Motion to RemovePersonal Representative

Estate of Frank Goode/104527; Court’s Motion to RemovePersonal Representative

Estate of Frederick G. Steeg, Sr./77258; Petition forAppointment of Successor Personal Representative

BBAALLTTIIMMOORREE CCOOUUNNTTYY OORRPPHHAANN’’SS CCOOUURRTT

Chief Judge: William R. EvansJudge: Theresa A. Lawler, Juliet G. FisherGrace G. Connolly, Register of WillsBaltimore County, County Courts Building, Fifth Floor,Towson, MD - Phone: 410-887-6516

HHEEAARRIINNGG SSCCHHEEDDUULLEE FFOORR WWEEEEKK OOFFMMOONNDDAAYY,, OOCCTTOOBBEERR 2277,, 22001144MMoonnddaayy,, OOccttoobbeerr 2277,, 220011441100::0000 aa..mm..Estate of Phyllis Rosenzweig/163455; Exceptions to Order ofCourt authorizing eviction and answer to PersonalRepresentative’s Petition for order authorizing eviction andsale of Real Property

TTuueessddaayy,, OOccttoobbeerr 2288,, 2200114499::3300 aa..mm..Estate of John Thomas Hubert/73804; Court’s Motion-Personal Representative Removal (Why the SupplementalSchedule B has not been filed)

1100::0000 aa..mm..Estate of Warren T. Blevins/116244; Petition for Removal ofPersonal Representative

Court ProceedingsContinued from 1B

Court ProceedingsCCIIRRCCUUIITT CCOOUURRTT FFOORR BBAALLTTIIMMOORREE CCIITTYY

Civil Assignments and Family Division

Frank M. Conaway, Clerk of CourtVonetta Thomas, Manager Civil DivisionRoom 462, Courthouse East;Phone: 410-333-3708Paulette Soares, Manager Family DivisionPhone: 410-333-3709

Judge Handy — Rm 523EMonday, October 27, 2014Universal Engineering & Construction, Inc. vs. JNS LLC, et al

Tuesday, October 28, 2014Larry Sutton vs. BRE Properties, Inc., et al; AndrewApplegate vs. BRE Properties, Inc., et al; Regina Gertel Leevs. BRE Properties, Inc., et al

Judge Matricciani — Rm 511WTuesday, October 28, 2014Damon Colkley, Jr. vs. Stewart Levitas, et al; Chantera Davisvs. Barry Mankowitz, et al; In the Matter of the Petition ofMayor and City Council of Baltimore City; Manessa Bevansvs. Rosa Flickinger, et al; Sahi Petroleum Marketing, LLC, etal; vs. Franklin and Warwick, LLC, et al; Joyce Brown vs.Sheila Clark; In the Matter of the Petition of Automatic Rollsof Baltimore, Inc., et al; Brandi Henson vs. Dolores Wajer; Inthe Matter of the Petition of Rhona R. Beitler

Judge Miller — Rm 511WMonday, October 27, 2014Guadalupe Cisneros-Mendez vs. Denise R. Marino; Charles J.Douglas vs. City Homes, Incorporated, et al; Donte Moore, Jr. vs.Stephan Y. Werba, et al; Ronshay Chisholm vs. Ella Louise Lynn;In the Matter of the Petition of Jesse Davis; Lamonta Harris, et alvs. Mendel Friedman, et al; Air Cool, Inc. vs. Dugan BuildingCompany, et al; Marcus M.T. Gaines vs. Wolfwind Company, etal; Gregory Kevin Branch, Jr. vs. Malcolm Snyderman

Judge Pierson — Rm 234EMonday, October 27, 2014In the Matter of the Petition of Charles E. Lindsay; ValerieMcNeal, et al vs. Johnson YALC, LLC; Ronald Dupye vs. JosephL. Dyson; In the Matter of: Bridget Jefferson; In the Matter of:Joseph Edward Smith; In the Matter of: Raymond B. Evers

Tuesday, October 28, 2014In the Matter of the Petition of Allan Shapiro; HarborDevelopment, LLC vs. 505 Park Avenue Partners, LLC, et al;Concor Networks, Inc. vs. Maryland Proton TreatmentCenter, LLC; In the Matter of: Dezmen Baker; In the Matterof: Annie Engel; In the Matter of: Sergial Brown; In theMatter of: Sabrina Waller

Judge Sfekas — Rm 509EMonday, October 27, 2014William Greg Walls vs. Bourbon Street, LLC, et al; CharlesErnest Johnson, et al vs. Bourbon Street, LLC, et al; AvonMcCoy vs. Bourbon Street, LLC; Dr. Jani Associates, LLC vs.Daniel S. Smithpeter, M.D.; Janette Matthews vs. TylshinaShavon Allen, et al; JON Black-Thaxton vs. Kevin Durant, etal; Equitable Holdings Trust vs. Adams & Associates CPA,LLC; Yimba Odwbode vs. Officer Matthew N. Kyle; DayonteRandolph vs. Greenspring Apartments Limited Partnership,et al; Dameatrice Moore vs. Officer Quinton Smith, et al

Judge White — Rm 428WMonday, October 27, 2014Brittany Antoinette Grant, et al vs. City Homes, Inc., et al

Tuesday, October 28, 2014Da-Shawn Antwan Britt vs. Stanley Rochkind, et al

BBAALLTTIIMMOORREE CCIITTYY OORRPPHHAANN’’SS CCOOUURRTT

Honorable Lewyn S. Garrett, Chief Judge; Honorable StephanW. Fogleman and Honorable Michele E. Loewenthal,Associate Judges.Room 303, Phone: 410-752-5131David B. Allen, Register of WillsRoom 344, Phone: 410-752-5131

HHEEAARRIINNGG SSCCHHEEDDUULLEE FFOORR WWEEEEKK OOFFMMOONNDDAAYY,, OOCCTTOOBBEERR 2277,, 22001144MMoonnddaayy,, OOccttoobbeerr 2277tthh1100::0000 aa..mm..Estate of Eugene Blake/102888; Pre-Trial Conference onPetition to Caveat

1100::3300 aa..mm..Estate of Joseph Paul Sisolak, Jr./104110; Pre-TrialConference on Petition to Caveat

1111::0000 aa..mm..Estate of Samuel L. Mitchell/104868; Petition for JudicialProbate: NO WILL

Estate of Helen Jean Kleinman/104602; Petition for JudicialProbate: WILL

Estate of Rebecca Marshall/105163; Petition for JudicialProbate: NO WILL

Estate of Raymond Lewis/104014; Court’s Motion to RemovePersonal Representative

Estate of Paul Levine/60992; Court’s Motion to RemovePersonal Representative; Restatement of Motion to RemovePatricia A. Levine as Personal Representative

Estate of Jeanette D. Logan/104575; Petition to AppointSuccessor Personal Representative

TTuueessddaayy,, OOccttoobbeerr 2288tthh1100::0000 aa..mm..In the Matter of Christopher Blackwell/105111; Petition forGuardianship

Estate of Mary F. Williams/94426; Judicial Review of FifthAdministration Account

Terry K. Sullivan, Attorney,Holloway & Sullivan, LLC,

One North Charles Street, Suite 2525,Baltimore, Maryland 21201

Notice of Appointment Notice to CreditorsNotice to Unknown Heirs to All Persons Interested in the

Estate of (105388) Margaret YatesNotice is given that TERRY K. SULLIVAN, One North Charles Street, Suite

2525, Baltimore, Maryland 21201 was on October 22, 2014 appointed personal representative of the estate of Margaret Yates, who died on July 30, 2014 without a will.

Further information can be obtained by reviewing the estate file in the office of the Register of Wills or by contacting the personal representative or the attorney.

All persons having any objection to the appointment shall file their objections with the Register of Wills on or before the 22nd day of April, 2015.

Any person having a claim against the decedent must present the claim to the undersigned personal representative or file it with the Register of Wills with a copy to the undersigned on or before the earlier of the following dates:

(1) Six months from the date of the decedent’s death, except if the decedent died before October 1, 1992, nine months from the date of the decedent’s death; or

(2) Two months after the personal representative mails or otherwise delivers to the creditor a copy of this published notice or other written notice, notifying the creditor that the claim will be barred unless the creditor presents the claims within two months from the mailing or other delivery of the notice. A claim not presented or filed on or before that date, or any extension provided by law, is unenforceable thereafter. Claim forms may be obtained from the Register of Wills.

TERRY K. SULLIVAN, Personal Representative(s).True Test—Copy: DAVID B. ALLEN,

Register of Wills for Baltimore City,111 N. Calvert Street, Baltimore, Maryland 21202

o27,3,10

Baltimore City

Scott F. Dixon, Attorney,401 Fredrick Road,

Baltimore, Maryland 21228.

Notice of Appointment Notice to CreditorsNotice to Unknown Heirs to All Persons Interested in the

Estate of (105396) Patricia Anne FreemanNotice is given that OLEN IVO FREEMAN, III, 4403 Cook Avenue, Baltimore,

Maryland 21206 was on October 23, 2014 appointed personal representative of the estate of Patricia Anne Freeman who died on August 13, 2014 with a will.

Further information can be obtained by reviewing the estate file in the office of the Register of Wills or by contacting the personal representative or the attorney.

All persons having any objection to the appointment or to the probate of the decedent’s will shall file their objections with the Register of Wills on or before the 23rd day of April, 2015.

Any person having a claim against the decedent must present the claim to the undersigned personal representative or file it with the Register of Wills with a copy to the undersigned on or before the earlier of the following dates:

(1) Six months from the date of the decedent’s death, except if the decedent died before October 1, 1992, nine months from the date of the decedent’s death; or

(2) Two months after the personal representative mails or otherwise delivers to the creditor a copy of this published notice or other written notice, notifying the creditor that the claim will be barred unless the creditor presents the claims within two months from the mailing or other delivery of the notice. A claim not presented or filed on or before that date, or any extension provided by law, is unenforceable thereafter. Claim forms may be obtained from the Register of Wills.

OLEN IVO FREEMAN, III, Personal Representative(s).True Test—Copy: DAVID B. ALLEN,

Register of Wills for Baltimore City,111 N. Calvert Street, Baltimore, Maryland 21202

o27,n3,10

Baltimore City

CITY OF BALTIMOREDEPARTMENT OF TRANSPORTATION

NOTICE OF LETTINGSealed Bids or Proposals, in duplicate addressed to the Board of Estimates of

the Mayor and City Council of Baltimore and marked for BALTIMORE CITY NO.TR11005; REPLACEMENT OF BRIDGE NO. BC 6523 - SPOOKS HILL ROAD OVER COOPER’S RUN will be received at the Office of the Comptroller, Room 204 City Hall, Baltimore, Maryland until 11:00 A.M. DECEMBER 3, 2014. Positively no bids will be received after 11:00 A.M. Bids will be publicly opened by the Board of Estimates in Room 215, City Hall at Noon. The Contract Documents may be examined, without charge, at the Department of Public Works Service Center located on the first floor of the Abel Wolman Municipal Building, 200 N. Holliday Street, Baltimore, Maryland 21202 as of OCTOBER 24, 2014 and copies may be purchased for a non-refundable cost of $75.00. Conditions and requirements of the Bid are found in the bid package. All contractors bidding on this Contract must first be prerequalified by the City of Baltimore Contractors Qualification Committee. Interested parties should call (410) 396-6883 or contact the Committee at 3000 Druid Park, Baltimore, Maryland 21215. If a bid is submitted by a joint venture (“JV”), then in that event, the document that established the JV shall be submitted with the bid for verification purposes. The Prequalifi-cation Category required for bidding on this project is C03300 (CONCRETE CONSTRUCTION). Cost Qualification Range for this work shall be $1,000,000.00 to $2,000,000.00 A “Pre-Bidding Information” session will be conducted at 10:00 A.M. on November 13, 2014 at 417 East Fayette Street, Room 724, Baltimore, Maryland 21202. Principal Items of work for this project are -Maintenance of Stream Flow- LS; & Augered Piling (Rock) for HP 12x84 Pile - 300 L.F. The MBE goal is 27%; WBE goal is 10%

APPROVED:Bernice H. Taylor, Clerk,Board of Estimateso24.27

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4B The Daily Record Monday, October 27, 2014THEDAILYRECORD.COM

Robert A. Jones, Attorney,5040 Corporate Woods Drive, Suite 120,

Virginia Beach, Virginia 23462IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: JOHN E.

DRISCOLL, III v. ADRIENNE M. WILLIAMS - Case No. 24-O-13-002719

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

3914 Garrison Boulevard, Baltimore, MD 21215and reported by: JOHN E. DRISCOLL, III, JANA M. GANTT, LAURA D.

HARRIS, KIMBERLY LANE, DEENA L. REYNOLDS, Trustee(s), be ratified and confirmed unless cause to the contrary be shown on or before November 14, 2014, provided a copy of this Notice be inserted in some Newspaper published in this City, once in each of three (3) successive weeks on or before November 5, 2014.

The report states the amount of the sale to be $158,898.72.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o20,27,n3

Baltimore City

Laura T. Curry, Attorney,312 Marshall Avenue, Suite 800,

Laurel, Maryland 20707IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: LAURA H.G.

O’SULLIVAN v. AMANDA BARNES - Case No. 24-O-14-001822

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

48 S. Kossuth Street, Baltimore, MD 21229and reported by: LAURA H. G. O’SULLIVAN, ERIN M. BRADY, DIANA C.

THEOLOGOU, CHASITY BROWN, LAURA T. CURRY, ALYSON GROMAK, Trus-tee(s), be ratified and confirmed, unless cause to the contrary be shown on or before November 21, 2014, provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $24,750.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Sarah M. Simon, Attorney,10021 Balls Ford Road, Suite 200,

Manassas, Virginia 20109IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: KRISTINE D.

BROWN v. MICHAEL BROWN - Case No. 24-O-14-002009

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

313 W. Mosher Street, Baltimore, MD 21217and reported by: KRISTINE D. BROWN, WILLIAM M. SAVAGE, GREGORY N.

BRITTO, LILA Z. STITELY, BRETT A. CALLAHAN, Trustee(s), be ratified and confirmed, unless cause to the contrary be shown on or before November 21, 2014, provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $56,000.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Carrie M. Ward, Attorney,6003 Executive Boulevard, Suite 101,

Rockville, Maryland 20852IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: JACOB GEESING

vs. FRANCIS KARPEH, ET AL - Case No. 24-O-13-000409

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

1317 Sherwood Avenue, Baltimore, MD 21239and reported by: JACOB GEESING, CARRIE M. WARD, HOWARD N.

BIERMAN, Trustee(s) be ratified and confirmed unless cause to the contrary be shown on or before November 21, 2014 provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $61,200.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City

Melissa L. Cassell, Attorney,P. O. Box 1950,

Cockeysville, Maryland 21030IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: MARK S. DEVAN

v. KONSTANDINOS TSAMPOS, ET AL - Case No. 24-O-14-000089

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

321 South Durham Street, Baltimore, MD 21231and reported by: ERIN GLOTH, CHRISTINE DREXEL, BRIAN MCNAIR,

MELISSA L. CASSELL, ANGELA NASUTA, MARK S. DEVAN, Trustee(s), be ratified and confirmed, unless cause to the contrary be shown on or before November 21. 2014, provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $184,800.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Sarah M. Simon, Attorney,10021 Balls Ford Road, Suite 200,

Manassas, Virginia 20109IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: KRISTINE D.

BROWN v. VIVIAN MILLER - Case No. 24-O-14-001887

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

3752 Columbus Drive, Baltimore, MD 21215and reported by: KRISTINE D. BROWN, WILLIAM M. SAVAGE, GREGORY N.

BRITTO, LILA Z. STITELY, BRETT A. CALLAHAN, Trustee(s), be ratified and confirmed, unless cause to the contrary be shown on or before November 21, 2014, provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $70,000.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Edward S. Cohn, Attorney600 Baltimore Avenue, Suite 208

Towson, Maryland 21204IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: EDWARD S.

COHN v. PATRICIA E. DRAPER, ET AL - Case No. 24-O-14-002044

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

4629 Mary Avenue, Baltimore, MD 21206and reported by: EDWARD S. COHN, STEPHEN N. GOLDBERG, RICHARD E.

SOLOMON, RICHARD J. ROGERS, RANDALL J. ROLLS, DONALD P. GRISWOLD, Trustee(s), be ratified and confirmed unless cause to the contrary be shown on or before November 21, 2014, provided a copy of this Notice be inserted in some Newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $183,600.81.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Sarah M. Simon, Attorney,10021 Balls Ford Road, Suite 200,

Manassas, Virginia 20109IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: KRISTINE D.

BROWN v. RICHARD A. TAYLOR, ET AL - Case No. 24-O-14-001685

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

628 North Kenwood Avenue, Baltimore, MD 21205and reported by: KRISTINE D. BROWN, WILLIAM M. SAVAGE, GREGORY N.

BRITTO, LILA Z. STITELY, BRETT A. CALLAHAN, Trustee(s), be ratified and confirmed, unless cause to the contrary be shown on or before November 21, 2014, provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $28,969.15.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Ludeen McCartney-Green, Attorney,6003 Executive Boulevard, Suite 101,

Rockville, Maryland 20852IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: CARRIE M. WARD

vs. EMMANUEL K. SELLI - Case No. 24-O-14-002136

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

5913 Eurith Avenue, Baltimore, MD 21206and reported by: CARRIE M. WARD, HOWARD N. BIERMAN, JACOB

GEESING, PRATIMA LELE, TAYYABA C. MONTO, JOSHUA COLEMAN, RICHARD R. GOLDSMITH, JR., LUDEEN MCCARTNEY-GREEN, Trustee(s) be ratified and confirmed unless cause to the contrary be shown on or before November 21, 2014 provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $83,300.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City

Erin M. Shaffer, Attorney,312 Marshall Avenue, Suite 800,

Laurel, Maryland 20707IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: LAURA H.G.

O’SULLIVAN v. THE ESTATE OF JOYCE HILL - Case No. 24-O-14-002153

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

2585 West Baltimore Street, Baltimore, MD 21223and reported by: LAURA H. G. O’SULLIVAN, ERIN M. SHAFFER, DIANA C.

THEOLOGOU, CHASITY BROWN, LAURA T. CURRY, ALYSON GROMAK, Trus-tee(s), be ratified and confirmed, unless cause to the contrary be shown on or before November 21, 2014, provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 12, 2014.

The report states the amount of the sale to be $53,620.12.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o27,n3,10

Baltimore City.

Edward J. Makowski, Attorney,1746 Eastern Avenue,

Baltimore, Maryland 21231-2422

IN THE CIRCUIT COURT FOR BALTIMORE CITY - Case No. 24-C-14-005782 -Mack Properties, Inc., 1746 Eastern Avenue, Baltimore, Md 21231, Plaintiff v. Felton Flonory; Tammy Flonory; U.S. Bank, National Association as Trustee for RASC 2007-KS3 (“U.S. Bank National Association”); Howard N. Bierman, Trustee; Jacob Geesing, Trustee; Carrie M. Ward, Trustee; GMAC Mortgage, LLC (Servicer); CFNA Receivables, Inc., SBM Washington Mutual Finance LLC; Anthony L. Szczybor, Trustee; and Mayor and City Council of Baltimore, and heirs, devisees, personal representatives, and executors, administrators, grantees, assigns or successors in right, title, interest, and any and all persons having or claiming to have any interest in property and premises situate in the City of Baltimore known as

1930 W. Baltimore Streetand described as follows: Lot Size 14-2’x100’, being known as Ward 20,

Section 15, Block 0192, Lot 005 on the Tax Roll of the Director of Finance.Defendants

Order of PublicationThis proceeding is to secure foreclosure of all rights of redemption in

Baltimore City property, known as: 1930 W. Baltimore St., Lot Size 14-2’x100’, which was sold by Collector of Taxes for Baltimore City. Complaint states: amounts necessary for redemption have not been paid. It is this 22nd day of October, 2014, by the Circuit Court for Baltimore City, ORDERED, that notice be given by insertion of a copy of this order in daily newspaper, having general circulation in Baltimore City, once a week for three successive weeks before the 21st day of November, 2014, warning all persons or entities with interest in the property to appear in this Court by the 21st day of December, 2014, and redeem property and answer the Complaint, or final judgment will be rendered foreclosing all rights of redemption and vesting in Plaintiff a title, free and clear of all encumbrances.

PAMELA J. WHITE, Judge,True Copy—Test: FRANK M. CONAWAY, Clerk.

o27,n3,10

Baltimore City.

Stephen R. Tully, Attorney,Seigel, Tully & Furrer,

501 Fairmount Avenue, Suite 100,Towson, Maryland 21286.

Notice of Appointment Notice to CreditorsNotice to Unknown Heirs to All Persons Interested in the

Estate of (102679) Joanna BabiakNotice is given that LARISSA KYJ, United Ukranian American Relief Comm.

Inc., 1206 Cottman Avenue, Philadelphia, Pennsylvania 19111 was on October 14, 2014 appointed personal representative of the estate of Joanna Babiak who died on July 13, 2013 with a will.

Further information can be obtained by reviewing the estate file in the office of the Register of Wills or by contacting the personal representative or the attorney.

All persons having any objection to the appointment or to the probate of the decedent’s will shall file their objections with the Register of Wills on or before the 14th day of April, 2015.

Any person having a claim against the decedent must present the claim to the undersigned personal representative or file it with the Register of Wills with a copy to the undersigned on or before the earlier of the following dates:

(1) Six months from the date of the decedent’s death, except if the decedent died before October 1, 1992, nine months from the date of the decedent’s death; or

(2) Two months after the personal representative mails or otherwise delivers to the creditor a copy of this published notice or other written notice, notifying the creditor that the claim will be barred unless the creditor presents the claims within two months from the mailing or other delivery of the notice. A claim not presented or filed on or before that date, or any extension provided by law, is unenforceable thereafter. Claim forms may be obtained from the Register of Wills.

LARISSA KYJ, Personal Representative(s),True Test--Copy: DAVID B. ALLEN,Register of Wills for Baltimore City,

111 N. Calvert Street, Baltimore, Maryland 21202.o20,27,n3

Baltimore City

Elliot N. Lewis, Attorney,111 N. Charles Street, 7th Floor,

Baltimore, Maryland 21201

Small Estate Notice of Appointment Notice to CreditorsNotice to Unknown Heirs to all Persons Interested in the

Estate of (103526) Callie Lee KearsonNotice is given that PRY N. WATSON, III, 2537 McCulloh Street, Baltimore,

Maryland 21217 was on April 2, 2014 appointed personal representative of the small estate of Callie Lee Kearson who died on March 3, 2014 with a will.

Further information can be obtained by reviewing the estate file in the office of the Register of Wills or by contacting the personal representative or the attorney.

All persons having any objection to the appointment shall file their objections with the Register of Wills within 30 days after the date of publication of this Notice. All persons having an objection to the probate of the will shall file their objections with the Register of Wills within six months after the date of publica-tion of this Notice.

All persons having claims against the decedent must serve their claims on the undersigned personal representative or file them with the Register of Wills with a copy to the undersigned on or before the earlier of the following dates:

(1) Six months from the date of the decedent’s death; except if the decedent died before October 1, 1992, nine months from the date of the decedent’s death; or

(2) Thirty days after the personal representative mails or otherwise delivers to the creditor a copy of this published notice or other written notice, notifying the creditor that the claims will be barred unless the creditor presents the claim within thirty days from the mailing or other delivery of the notice. Any claim not served or filed within that time, or any extension provided by law, is unenforce-able thereafter.

PRY N. WATSON, III, Personal Representative(s).True Test--Copy: DAVID B. ALLEN,Register of Wills for Baltimore City,

111 N. Calvert Street, Baltimore, Maryland 21202o27

Baltimore City.

Judith Elliott, Proper Person,1812 Ingram Road,

Baltimore, Maryland 21239Small Estate Notice of Appointment Notice to CreditorsNotice to Unknown Heirs to all Persons Interested in the

Estate of (105386) William J. ElliottNotice is given that JUDITH ELLIOTT, 1812 Ingram Road, Baltimore,

Maryland 21239 was on October 22, 2014 appointed personal representative of the small estate of William J. Elliott who died on September 16, 2014 without a will.

Further information can be obtained by reviewing the estate file in the office of the Register of Wills or by contacting the personal representative or the attorney.

All persons having any objection to the appointment shall file their objections with the Register of Wills within 30 days after the date of publication of this Notice. All persons having an objection to the probate of the will shall file their objections with the Register of Wills within six months after the date of publica-tion of this Notice.

All persons having claims against the decedent must serve their claims on the undersigned personal representative or file them with the Register of Wills with a copy to the undersigned on or before the earlier of the following dates:

(1) Six months from the date of the decedent’s death; except if the decedent died before October 1, 1992, nine months from the date of the decedent’s death; or

(2) Thirty days after the personal representative mails or otherwise delivers to the creditor a copy of this published notice or other written notice, notifying the creditor that the claims will be barred unless the creditor presents the claim within thirty days from the mailing or other delivery of the notice. Any claim not served or filed within that time, or any extension provided by law, is unenforce-able thereafter.

JUDITH ELLIOTT, Personal Representative(s).True Test--Copy: DAVID B. ALLEN,Register of Wills for Baltimore City,

111 N. Calvert Street, Baltimore, Maryland 21202o27

Baltimore City.

Sidney P. Turner, Proper Person,1113 Gary Drive,

Baltimore, Maryland 21228

Small Estate Notice of Appointment Notice to CreditorsNotice to Unknown Heirs to all Persons Interested in the

Estate of (105387) Thelma FarleyNotice is given that SIDNEY P. TURNER, 1113 Gary Drive, Baltimore,

Maryland 21228 was on October 22, 2014 appointed personal representative of the small estate of Thelma Farley who died on October 15, 2014 with a will.

Further information can be obtained by reviewing the estate file in the office of the Register of Wills or by contacting the personal representative or the attorney.

All persons having any objection to the appointment shall file their objections with the Register of Wills within 30 days after the date of publication of this Notice. All persons having an objection to the probate of the will shall file their objections with the Register of Wills within six months after the date of publica-tion of this Notice.

All persons having claims against the decedent must serve their claims on the undersigned personal representative or file them with the Register of Wills with a copy to the undersigned on or before the earlier of the following dates:

(1) Six months from the date of the decedent’s death; except if the decedent died before October 1, 1992, nine months from the date of the decedent’s death; or

(2) Thirty days after the personal representative mails or otherwise delivers to the creditor a copy of this published notice or other written notice, notifying the creditor that the claims will be barred unless the creditor presents the claim within thirty days from the mailing or other delivery of the notice. Any claim not served or filed within that time, or any extension provided by law, is unenforce-able thereafter.

SIDNEY P. TURNER, Personal Representative(s).True Test--Copy: DAVID B. ALLEN,Register of Wills for Baltimore City,

111 N. Calvert Street, Baltimore, Maryland 21202o27

Baltimore City.

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The Daily Record 5BMonday, October 27, 2014 THEDAILYRECORD.COM

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

640 East 29th Street, Baltimore, MD 21218————————————

Under a power of sale contained in a Deed of Trust from LISA NICOLE WILLIAMS-LLOYD, dated December 5, 2006 and recorded in Liber 08834, folio 0042 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002064; Tax ID No. 09-050-4072A-050) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT LEASEHOLD LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above referenced Deed of Trust.

THE PROPERTY IS SUBJECT TO A GROUND RENT OF $78.00 PAYABLE ON THE 14th DAYS OF January AND July OF EACH AND EVERY YEAR

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $7,200.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 548928)

JAMES E. CLARKE, RENEE DYSON,Substitute Trustees.

o27,n3,10

Baltimore City

Alba Law Group, P.A.11350 McCormick Road, Executive Plaza III, Suite 200

Hunt Valley, MD 21031(443) 541-8600

Substituted Trustees’ Sale Of Real PropertyKnown As

1315 Roland Heights Avenue,Baltimore, MD 21211

Case Number 24-O-14-002188————————————

Under and by virtue of the power of sale contained in a Deed of Trust from Gertrude B. Williston and Charles E. Williston recorded among the Land Records of Baltimore City in Liber 5159, folio 384, and Declaration of Substitution of Trustees recorded among the aforementioned Land Records substituting Mark S. Devan, Thomas P. Dore, Christine Drexel, Brian McNair, and Melissa L. Cassell as Substituted Trustees, the Substituted Trustees will offer for sale at public auction, at the Courthouse Door, (Courthouse West), 100 N. Calvert Street, (Calvert Street entrance), Baltimore, Maryland on

Wednesday, November 12, 2014 at 09:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon situate in Balti-

more City, State of Maryland, as described in the Deed of Trust recorded among the Land Records of Baltimore City, in Liber 5159, folio 384, also being further described in a Deed recorded among the Land Records of Baltimore City in Liber 1715, folio 159. The improvements thereon consist of a DWELLING.

The property is subject to an annual ground rent.The property will be sold in “AS IS” condition, subject to any existing building

violations, restrictions and agreements of record. The purchaser assumes all risks of loss for the property as of the date of sale. Neither the Substituted Trus-tees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property. The Substituted Trustees shall convey insurable title.

TERMS OF THE SALE: A deposit in a form acceptable to the Substituted Trustee in the amount of $7,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time and place of sale. Any amount tendered at sale in excess of the required deposit will be refunded and not applied to the purchase price. Unless the purchaser is the Holder of the Note or its assigns, the balance of the purchase price shall be paid immediately with available funds within ten (10) days of the final ratification of the sale by the Circuit Court for Baltimore City. Time is of the essence. The purchaser, other than the Holder of the Note or its assigns, shall pay interest at the rate of 5.50000% per annum on the unpaid portion of the purchase price from the date of sale to date of settlement. Real property taxes and assessments shall be adjusted to the date of sale and assumed thereafter by the purchaser. Ground rent, water and/or sewer charges public or private, if any, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be paid by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property.

In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, the entire deposit is forfeited. The Substi-tuted Trustees shall resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any defi-ciency in the purchase price, all costs and expenses of both sales, attorney fees, all other charges due, and incidental and consequential damages. Defaulting purchaser also agrees to pay the Substituted Trustees’ attorney a fee of $500.00 in connection with the filing of a motion to resell.

In the event the Substituted Trustees do not convey title for any reason, purchaser’s sole remedy is return of the deposit. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The Substituted Trustees shall have the right to terminate this contract in the event the Holder or its Servicer has entered into any agreement with, or accepted funds from, the mortgagor. Upon termination of the contract, Purchas-er’s sole remedy shall be return of the deposit.

MARK S. DEVAN, THOMAS P. DORE,CHRISTINE DREXEL, BRIAN MCNAIR, and

MELISSA L. CASSELL,Substituted Trustees.

Tidewater Auctions, LLC(410) 825-2900

www.tidewaterauctions.como27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

615 S Pulaski Street, Baltimore, MD 21223————————————

Under a power of sale contained in a Deed of Trust from DANIELLE M. YOUNG, dated August 23, 2007 and recorded in Liber 10025, folio 0612 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002324; Tax ID No. 20-110-0719A-035) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above referenced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $8,200.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 550369)

JAMES E. CLARKE, RENEE DYSON,Substitute Trustees.

o27,n3,10

Baltimore City

Morris|Schneider|Wittstadt, LLC9409 Philadelphia Road

Baltimore, MD 21237410-284-9600

Substitute Trustees’ SaleOf Improved Real Property

4303 Woodlea Ave., Baltimore, MD 21206————————————

Under a power of sale contained in a certain Deed of Trust from Yvonne Ziesmer, dated January 23, 2003 and recorded in Liber 3350, folio 10 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 12, 2014 at 12:50 p.m.ALL THAT LEASEHOLD LOT OF GROUND AND THE IMPROVEMENTS

THEREON situated in Baltimore City, MD and more fully described in the afore-said Deed of Trust. The property will be sold subject to an annual ground rent of $90. The property is improved by a DWELLING.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit of $12,000 by cash or certified check. Balance of the purchase price to be paid in cash within 10 days of final ratification of the sale by the Circuit Court for Baltimore City. TIME IS OF THE ESSENCE. If the purchaser fails to settle within the aforesaid ten (10) days of ratification, the purchaser relinquishes their deposit and the Sub-Trustees may file an appropriate motion with the court to resell the property. Purchaser waives personal service of any paper filed with the Court in connection with such motion and any Show Cause Order issued by the Court and expressly agrees to accept service of any such paper or Order by certified mail and regular mail sent to the address provided by the purchaser and as recorded on the documents executed by the purchaser at the time of the sale. Service shall be deemed effec-tive upon the purchaser 3 days after postmarked by the United States Post Office. It is expressly agreed by the purchaser that actual receipt of the certified mail is not required for service to be effective. If the purchaser fails to go to settlement the deposit shall be forfeited to the Sub-Trustees and all expenses of this sale (including attorney fees and full commission on the gross sales price of the sale) shall be charged against and paid from the forfeited deposit. In the event of resale the defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property regardless of any improvements made to the real property. Interest is to be paid on the unpaid purchase money at the rate of 6.250% per annum from the date of sale to the date the funds are received in the office of the Sub-Trustees. Taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for the costs of all transfer taxes, documentary stamps and all other costs incident to settlement. Purchaser shall be responsible for physical posses-sion of the property. Purchaser assumes the risk of loss from the date of sale forward. The sale is subject to post sale audit by the Noteholder to determine whether the borrower entered into any repayment/forbearance agreement, rein-stated or paid off prior to the sale. In any such event the Purchaser agrees that upon notification by the Sub-Trustees of such event the sale is null and void and of no legal effect and the deposit returned without interest. If the Sub-Trustees are unable to convey either insurable or good and marketable title, or the sale is not ratified for any reason by the Circuit Court including errors made by the Sub-Trustees, the purchaser’s sole remedy at law or in equity shall be limited to a refund of the deposit without any interest.

This property will be sold subject to a 120 day right of redemption by the Internal Revenue Service.

MARK H. WITTSTADT, et al.,Sub. Trustees.

o27,n3,10

Baltimore City.

NOTICE OF PUBLIC SALEOF PERSONAL PROPERTY

PS Orangeco, Inc. and/or Shurgard TRS, Inc. will conduct sale(s) at Public Storage (formerly Shurgard) and sell personal property consisting of household and personal effects; office and other equipment; toys and appliances to satisfy owner’s lien for rent due. All items or spaces may not be available on the day of sale. We reserve the right to refuse any and all bids; buyers must secure spaces with own locks. No checks. Cash only. To claim tax-exempt - ORIGINAL RESALE CERTIFICATE FOR EACH SPACE PURCHASED IS REQUIRED.

Auctions to be held on 11/03/2014 at 9:30 amPublic Storage #278258800 Wise Ave.Dundalk, Md. 21222Units: A016; A116; A117; C012; C061; D043; D062; E013Public Storage #242344215 Shannon Dr.Baltimore, MD 21213Units: A030; A048; A049; A058; A066; A073; A087; A105; A116; A131; A137;

A183; A210; A270; B044; B070; B108; B123; B125; B129; B186; B194; B202; B203; B209; B211; B234; C017; C036; C080; C089; C128; C134; C145; C177; C221

Public Storage #20288842 Hillen St.Baltimore, Md. 21202Units: A030; A040; B092; C139; C159; C160; D229; D235; D244; D258; D284;

E319; E327; E364; E370; E399; E451; F468; F470; F499; F550; F571; F573; F609; F627; F628

Public Storage #291661415 Russell St.Baltimore, Md. 21230Units: A1007; A1021; A1077; A1078; A1128; A2039; A2060; A2095; A2114;

A2125; A2173; A2218; A2248; A2255; A3001; A3020; A3063; A3072; A3198Public Storage #278111000 West Patapsco Ave.Baltimore, Md. 21230Units: A001; A027; A039; A055; A075; A106; A118; B001; B107; B167; B182;

B191; B195; B203; B212; B252; B261; B286; B303; B328; B344; B352; B357; B358; D036; E030; E045

Auctions to be held on 11/04/2014 at 9:30 amPublic Storage #254467130 Furnace Branch Rd.Glen Burnie, Md. 21060Units: B006; D005; E020; F022; G007; G018; G031; G114; G141; G153; G184;

H006A; H041; H071; H085Public Storage #291828190 Ritchie HighwayPasadena, Md. 21122Units: A1052; A1132; A1172; A2041; A2073; A2149; A2164; A2216; A3091;

A3138; A3169Public Storage #070101904 West St.Annapolis, Md. 21401Units: A199; A202; C108; D158Public Storage #084691712 West St.Annapolis, Md. 21401Units: 0318; 0616o27

Howard N. Bierman, Attorney,6003 Executive Boulevard, Suite 101,

Rockville, Maryland 20852IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: CARRIE M. WARD

vs. MARCHETTE BUTLER - Case No. 24-O-14-001446

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

4029 Boarman Avenue, Baltimore, MD 21215and reported by: CARRIE M. WARD, HOWARD N. BIERMAN, JACOB

GEESING, PRATIMA LELE, TAYYABA C. MONTO, JOSHUA COLEMAN, RICHARD R. GOLDSMITH, JR., LUDEEN MCCARTNEY-GREEN, Trustee(s) be ratified and confirmed unless cause to the contrary be shown on or before November 14, 2014 provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 5, 2014.

The report states the amount of the sale to be $24,225.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o20,27,n3

Baltimore City

Laura D. Harris, Attorney,5040 Corporate Woods Drive, Suite 120,

Virginia Beach, Virginia 23462IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: JOHN E.

DRISCOLL, III v. ROBERT R. MEEK - Case No. 24-O-14-000152

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

3711 Oakmont Avenue, Baltimore, MD 21215and reported by: JOHN E. DRISCOLL, III, JANA M. GANTT, LAURA D.

HARRIS, KIMBERLY LANE, DEENA L. REYNOLDS, Trustee(s), be ratified and confirmed unless cause to the contrary be shown on or before November 14, 2014, provided a copy of this Notice be inserted in some Newspaper published in this City, once in each of three (3) successive weeks on or before November 5, 2014.

The report states the amount of the sale to be $65,441.08.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o20,27,n3

Baltimore City

Carrie M. Ward, Attorney,6003 Executive Boulevard, Suite 101,

Rockville, Maryland 20852IN THE CIRCUIT COURT FOR BALTIMORE CITY - IN RE: CARRIE M. WARD

vs. ARTIS F. THOMAS - Case No. 24-O-13-002220

Notice of SaleNotice is hereby issued by the Circuit Court for Baltimore City, that the sale

of the property described in the above mentioned proceedings

5928 Plumer Avenue, Baltimore, MD 21206and reported by: CARRIE M. WARD, HOWARD N. BIERMAN, JACOB

GEESING, PRATIMA LELE, TAYYABA C. MONTO, JOSHUA COLEMAN, Trus-tee(s) be ratified and confirmed unless cause to the contrary be shown on or before November 14, 2014 provided a copy of this Notice be inserted in some newspaper published in this City, once in each of three (3) successive weeks on or before November 5, 2014.

The report states the amount of the sale to be $48,510.00.FRANK M. CONAWAY, Clerk.

True Copy—Test: FRANK M. CONAWAY, Clerk.o20,27,n3

Baltimore City

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Page 22: Disbar 1st, explain why later - Maryland Daily Record

6B The Daily Record Monday, October 27, 2014THEDAILYRECORD.COM

Rosenberg & Associates, LLC7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814(301) 907-8000

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

721 E. Cold Spring La., Baltimore, MD 21212————————————

Under a power of sale contained in a certain Deed of Trust from Elmer E. Robinson, Jr., dated October 17, 2008 and recorded in Liber 11098, folio 185 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:31 a.m.ALL THAT LEASEHOLD LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #27-43-5216-039 and more fully described in the aforesaid Deed of Trust. The property will be sold subject to an annual ground rent of $84, payable on the 1st day of May and November.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $23,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 50856.

DIANE S. ROSENBERG, MARK D. MEYER, et al.,Substitute Trustees.

o27,n3,10

Baltimore City.

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

7619 Mars Avenue, Baltimore, MD 21234————————————

Under a power of sale contained in a Deed of Trust from JEFFREY EDWARD ROSELLINI, dated March 15, 2007 and recorded in Liber 9657, folio 107 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002186; Tax ID No. 27-040-5498A-079) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above referenced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $20,300.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 549009

JAMES E. CLARKE,RENEE DYSON,

Substitute Trustees.

o27,n3,10

Baltimore City

Morris|Schneider|Wittstadt, LLC9409 Philadelphia Road

Baltimore, MD 21237410-284-9600

Substitute Trustees’ SaleOf Improved Real Property

4405 Rokeby Rd., Baltimore, MD 21229————————————

Under a power of sale contained in a certain Deed of Trust from Sonia M. Taylor a/k/a Sonia M. Taylor-Sewell a/k/a Sonia Taylor Sewell and Elias C. Taylor, dated May 15, 2007 and recorded in Liber 9514, folio 186 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 12, 2014 at 12:52 p.m.ALL THAT LEASEHOLD LOT OF GROUND AND THE IMPROVEMENTS

THEREON situated in Baltimore City, MD and more fully described in the afore-said Deed of Trust. The property will be sold subject to an annual ground rent of $120. The property is improved by a DWELLING.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit of $18,000 by cash or certified check. Balance of the purchase price to be paid in cash within 10 days of final ratification of the sale by the Circuit Court for Baltimore City. TIME IS OF THE ESSENCE. If the purchaser fails to settle within the aforesaid ten (10) days of ratification, the purchaser relinquishes their deposit and the Sub-Trustees may file an appropriate motion with the court to resell the property. Purchaser waives personal service of any paper filed with the Court in connection with such motion and any Show Cause Order issued by the Court and expressly agrees to accept service of any such paper or Order by certified mail and regular mail sent to the address provided by the purchaser and as recorded on the documents executed by the purchaser at the time of the sale. Service shall be deemed effec-tive upon the purchaser 3 days after postmarked by the United States Post Office. It is expressly agreed by the purchaser that actual receipt of the certified mail is not required for service to be effective. If the purchaser fails to go to settlement the deposit shall be forfeited to the Sub-Trustees and all expenses of this sale (including attorney fees and full commission on the gross sales price of the sale) shall be charged against and paid from the forfeited deposit. In the event of resale the defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property regardless of any improvements made to the real property. Interest is to be paid on the unpaid purchase money at the rate of 4.5% per annum from the date of sale to the date the funds are received in the office of the Sub-Trustees. Taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for the costs of all transfer taxes, documentary stamps and all other costs incident to settlement. Purchaser shall be responsible for physical posses-sion of the property. Purchaser assumes the risk of loss from the date of sale forward. The sale is subject to post sale audit by the Noteholder to determine whether the borrower entered into any repayment/forbearance agreement, rein-stated or paid off prior to the sale. In any such event the Purchaser agrees that upon notification by the Sub-Trustees of such event the sale is null and void and of no legal effect and the deposit returned without interest. If the Sub-Trustees are unable to convey either insurable or good and marketable title, or the sale is not ratified for any reason by the Circuit Court including errors made by the Sub-Trustees, the purchaser’s sole remedy at law or in equity shall be limited to a refund of the deposit without any interest.

MARK H. WITTSTADT, et al.,Sub. Trustees.

o27,n3,10

Baltimore City.

Rosenberg & Associates, LLC7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814(301) 907-8000

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

4203 Kenshaw Ave., Baltimore, MD 21215————————————

Under a power of sale contained in a certain Deed of Trust from Patricia Teasdell, dated June 16, 2008 and recorded in Liber 10789, folio 617 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:36 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #28-01-4281-091 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $9,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 49894.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

4417 Falls Bridge Road No. E,Baltimore, MD 21211

———————————Under a power of sale contained in a Deed of Trust from ADREN C.

THOMPSON, dated February 28, 2001 and recorded in Liber 1192, folio 415 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No.24O14002653; Tax ID No.13-150-3574-027G ) the Sub. Trustees will sell at public auction at the BALTI-MORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above referenced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $5,000.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 552126)

JAMES E. CLARKE, RENEE DYSON,BRIAN THOMAS,

Substitute Trustees.

o27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE, SUITE 310,

LEESBURG, VA 20175,703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property

2033 Guilford Avenue, Baltimore, MD 21218————————————

Under a power of sale contained in a Deed of Trust from ALVIN PURCELL WELLS, dated September 8, 2006 and recorded in Liber 08355, folio 0448 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002850; Tax ID No. 12-120-3806-032) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT LEASEHOLD LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

THE PROPERTY IS SUBJECT TO A GROUND RENT OF $180.00 PAYABLE ON THE 10th DAYS OF May AND November OF EACH AND EVERY YEAR

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $15,300.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges-/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 552490)

JAMES E. CLARKE, RENEE DYSON,BRIAN THOMAS,

Substitute Trustees.

o27,n3,10

Baltimore City

Page 23: Disbar 1st, explain why later - Maryland Daily Record

The Daily Record 7BMonday, October 27, 2014 THEDAILYRECORD.COM

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

4817 Westparkway, Baltimore, MD 21229————————————

Under a power of sale contained in a certain Deed of Trust from Colette Longmire, dated January 9, 2008 and recorded in Liber 10349, folio 15 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:30 a.m.ALL THAT LEASEHOLD LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #28-05-7900E-109 and more fully described in the aforesaid Deed of Trust. The property will be sold subject to an annual ground rent of $120, payable on the 2nd day of April and October.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $21,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 50527.

DIANE S. ROSENBERG, MARK D. MEYER, et al.,Substitute Trustees.

o27,n3,10

Baltimore City.

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE, SUITE 310,

LEESBURG, VA 20175,703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property

4314 Colborne Road, Baltimore, MD 21229————————————

Under a power of sale contained in a Deed of Trust from SANDRA L. MATIER AND LEROY FAIR, dated August 5, 2004 and recorded in Liber 5953, folio 143 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No.24O14002077; Tax ID No. 28-050-7987-019) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $7,800.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges-/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 544675)

JAMES E. CLARKE, RENEE DYSON,Substitute Trustees.

o27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

3320 Lawnview Avenue, Baltimore, MD 21213————————————

Under a power of sale contained in a Deed of Trust from MIRIAM D. MCDONALD AND CLEVELAND MCDONALD, dated July 30, 2008 and recorded in Liber 10940, folio 0509 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14001758; Tax ID No. 26-350-4179-011) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $12,100.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 541210)

JAMES E. CLARKE, RENEE DYSON,SHANNON MENAPACE,

Substitute Trustees.

o27,n3,10

Baltimore City

Alba Law Group, P.A.11350 McCormick Road, Executive Plaza III, Suite 200

Hunt Valley, MD 21031(443) 541-8600

Substituted Trustees’ Sale OfReal Property

Known As1433 Walker Avenue, Baltimore, MD 21239

Case Number 24-O-11-001396————————————

Under and by virtue of the power of sale contained in a Deed of Trust from Jonathan D. Nash, Sr. recorded among the Land Records of Baltimore City in Liber 10743, folio 471, and Declaration of Substitution of Trustees recorded among the aforementioned Land Records substituting Thomas P. Dore, Mark S. Devan, Gerard F. Miles, Jr., Shannon Menapace, and Erin Gloth as Substituted Trustees, the Substituted Trustees will offer for sale at public auction, at the Courthouse Door, (Courthouse West), 100 N. Calvert Street, (Calvert Street entrance), Baltimore, Maryland on

Wednesday, November 12, 2014 at 09:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon situate in Balti-

more City, State of Maryland, as described in the Deed of Trust recorded among the Land Records of Baltimore City, in Liber 10743, folio 471, also being further described in a Deed recorded among the Land Records of Baltimore City in Liber 3661, folio 025. The improvements thereon consist of a DWELLING.

The property will be sold in “AS IS” condition, subject to any existing building violations, restrictions and agreements of record. The purchaser assumes all risks of loss for the property as of the date of sale. Neither the Substituted Trus-tees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property. The Substituted Trustees shall convey insurable title.

TERMS OF THE SALE: A deposit in a form acceptable to the Substituted Trustee in the amount of $14,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time and place of sale. Any amount tendered at sale in excess of the required deposit will be refunded and not applied to the purchase price. Unless the purchaser is the Holder of the Note or its assigns, the balance of the purchase price shall be paid immediately with available funds within ten (10) days of the final ratification of the sale by the Circuit Court for Baltimore City. Time is of the essence. The purchaser, other than the Holder of the Note or its assigns, shall pay interest at the rate of 5.87500% per annum on the unpaid portion of the purchase price from the date of sale to date of settlement. Real property taxes and assessments shall be adjusted to the date of sale and assumed thereafter by the purchaser. Ground rent, water and/or sewer charges public or private, if any, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be paid by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property.

In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, the entire deposit is forfeited. The Substi-tuted Trustees shall resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any defi-ciency in the purchase price, all costs and expenses of both sales, attorney fees, all other charges due, and incidental and consequential damages. Defaulting purchaser also agrees to pay the Substituted Trustees’ attorney a fee of $500.00 in connection with the filing of a motion to resell.

In the event the Substituted Trustees do not convey title for any reason, purchaser’s sole remedy is return of the deposit. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The Substituted Trustees shall have the right to terminate this contract in the event the Holder or its Servicer has entered into any agreement with, or accepted funds from, the mortgagor. Upon termination of the contract, Purchas-er’s sole remedy shall be return of the deposit.

THOMAS P. DORE, MARK S. DEVAN,GERARD F. MILES, JR., SHANNON MENAPACE,

and ERIN GLOTH,Substituted Trustees.

Tidewater Auctions, LLC(410) 825-2900

www.tidewaterauctions.como27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

2639 Boston Street Unit 305,Baltimore, MD 21224

————————————Under a power of sale contained in a Deed of Trust from JUAN NATER, dated

February 10, 2011 and recorded in Liber 13343, folio 309 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002075; Tax ID No. 01-090-1902E-342) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $23,700.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 550891)

JAMES E. CLARKE,RENEE DYSON,

Substitute Trustees.

o27,n3,10

Baltimore City

Morris|Schneider|Wittstadt, LLC9409 Philadelphia Road

Baltimore, MD 21237410-284-9600

Substitute Trustees’ SaleOf Improved Real Property

3907 Bateman Ave., Baltimore, MD 21216————————————

Under a power of sale contained in a certain Deed of Trust from Isiah Pearson, dated February 20, 2007 and recorded in Liber 9136, folio 75 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 12, 2014 at 12:51 p.m.ALL THAT LEASEHOLD LOT OF GROUND AND THE IMPROVEMENTS

THEREON situated in Baltimore City, MD and more fully described in the afore-said Deed of Trust. The property will be sold subject to an annual ground rent of $120. The property is improved by a DWELLING.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit of $30,000 by cash or certified check. Balance of the purchase price to be paid in cash within 10 days of final ratification of the sale by the Circuit Court for Baltimore City. TIME IS OF THE ESSENCE. If the purchaser fails to settle within the aforesaid ten (10) days of ratification, the purchaser relinquishes their deposit and the Sub-Trustees may file an appropriate motion with the court to resell the property. Purchaser waives personal service of any paper filed with the Court in connection with such motion and any Show Cause Order issued by the Court and expressly agrees to accept service of any such paper or Order by certified mail and regular mail sent to the address provided by the purchaser and as recorded on the documents executed by the purchaser at the time of the sale. Service shall be deemed effec-tive upon the purchaser 3 days after postmarked by the United States Post Office. It is expressly agreed by the purchaser that actual receipt of the certified mail is not required for service to be effective. If the purchaser fails to go to settlement the deposit shall be forfeited to the Sub-Trustees and all expenses of this sale (including attorney fees and full commission on the gross sales price of the sale) shall be charged against and paid from the forfeited deposit. In the event of resale the defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property regardless of any improvements made to the real property. Interest is to be paid on the unpaid purchase money at the rate of 9.05% per annum from the date of sale to the date the funds are received in the office of the Sub-Trustees. Taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for the costs of all transfer taxes, documentary stamps and all other costs incident to settlement. Purchaser shall be responsible for physical posses-sion of the property. Purchaser assumes the risk of loss from the date of sale forward. The sale is subject to post sale audit by the Noteholder to determine whether the borrower entered into any repayment/forbearance agreement, rein-stated or paid off prior to the sale. In any such event the Purchaser agrees that upon notification by the Sub-Trustees of such event the sale is null and void and of no legal effect and the deposit returned without interest. If the Sub-Trustees are unable to convey either insurable or good and marketable title, or the sale is not ratified for any reason by the Circuit Court including errors made by the Sub-Trustees, the purchaser’s sole remedy at law or in equity shall be limited to a refund of the deposit without any interest.

This property will be sold subject to a 120 day right of redemption by the Internal Revenue Service.

MARK H. WITTSTADT, et al.,Sub. Trustees.

o27,n3,10

Baltimore City.

Page 24: Disbar 1st, explain why later - Maryland Daily Record

8B The Daily Record Monday, October 27, 2014THEDAILYRECORD.COM

Morris/Hardwick/Schneider,9409 Philadelphia Road,

Baltimore, MD 21237,410-284-9600.

Substitute Trustees’ SaleOf Improved Real Property

4549 Pen Lucy Rd., Baltimore, MD 21229————————————

Under a power of sale contained in a certain Deed of Trust from Kevin Gaines and Jamell Gaines, dated July 28, 2006 and recorded in Liber 8215, folio 733 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 12, 2014 at 12:54 p.m.ALL THAT LEASEHOLD LOT OF GROUND AND THE IMPROVEMENTS

THEREON situated in Baltimore City, MD and more fully described in the afore-said Deed of Trust. The property will be sold subject to an annual ground rent of $84. The property is improved by a DWELLING.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit of $20,000 by cash or certified check. Balance of the purchase price to be paid in cash within 10 days of final ratification of the sale by the Circuit Court for Baltimore City. TIME IS OF THE ESSENCE. If the purchaser fails to settle within the aforesaid ten (10) days of ratification, the purchaser relinquishes their deposit and the Sub-Trustees may file an appropriate motion with the court to resell the property. Purchaser waives personal service of any paper filed with the Court in connection with such motion and any Show Cause Order issued by the Court and expressly agrees to accept service of any such paper or Order by certified mail and regular mail sent to the address provided by the purchaser and as recorded on the documents executed by the purchaser at the time of the sale. Service shall be deemed effec-tive upon the purchaser 3 days after postmarked by the United States Post Office. It is expressly agreed by the purchaser that actual receipt of the certified mail is not required for service to be effective. If the purchaser fails to go to settlement the deposit shall be forfeited to the Sub-Trustees and all expenses of this sale (including attorney fees and full commission on the gross sales price of the sale) shall be charged against and paid from the forfeited deposit. In the event of resale the defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the property regardless of any improvements made to the real property. Interest is to be paid on the unpaid purchase money at the rate of 10.75% per annum from the date of sale to the date the funds are received in the office of the Sub-Trustees. Taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for the costs of all transfer taxes, documentary stamps and all other costs incident to settlement. Purchaser shall be responsible for physical posses-sion of the property. Purchaser assumes the risk of loss from the date of sale forward. The sale is subject to post sale audit by the Noteholder to determine whether the borrower entered into any repayment/forbearance agreement, rein-stated or paid off prior to the sale. In any such event the Purchaser agrees that upon notification by the Sub-Trustees of such event the sale is null and void and of no legal effect and the deposit returned without interest. If the Sub-Trustees are unable to convey either insurable or good and marketable title, or the sale is not ratified for any reason by the Circuit Court including errors made by the Sub-Trustees, the purchaser’s sole remedy at law or in equity shall be limited to a refund of the deposit without any interest.

MARK H. WITTSTADT, et al.,Sub. Trustees.

o27,n3,10

Baltimore City.

Alba Law Group, P.A.11350 McCormick Road, Executive Plaza III, Suite 200

Hunt Valley, MD 21031(443) 541-8600

Substituted Trustees’ Sale OfReal Property

Known As704 Benninghaus Road, Baltimore, MD 21212

Case Number 24-O-12-002112————————————

Under and by virtue of the power of sale contained in a Deed of Trust from Charles R. Green, Jr., recorded among the Land Records of Baltimore City in Liber 12879, folio 366, and Declaration of Substitution of Trustees recorded among the aforementioned Land Records substituting Thomas P. Dore, Mark S. Devan, Gerard F. Miles, Jr., Shannon Menapace, Erin Gloth, and Christine Drexel as Substituted Trustees, the Substituted Trustees will offer for sale at public auction, at the Courthouse Door, (Courthouse West), 100 N. Calvert Street, (Calvert Street entrance), Baltimore, Maryland on

Wednesday, November 12, 2014 at 09:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon situate in Balti-

more City, State of Maryland, as described in the Deed of Trust recorded among the Land Records of Baltimore City, in Liber 12879, folio 366, also being further described in a Deed recorded among the Land Records of Baltimore City in Liber 08945, folio 0460. The improvements thereon consist of a DWELLING.

The property will be sold in “AS IS” condition, subject to any existing building violations, restrictions and agreements of record. The purchaser assumes all risks of loss for the property as of the date of sale. Neither the Substituted Trus-tees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property. The Substituted Trustees shall convey insurable title.

TERMS OF THE SALE: A deposit in a form acceptable to the Substituted Trustee in the amount of $10,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time and place of sale. Any amount tendered at sale in excess of the required deposit will be refunded and not applied to the purchase price. Unless the purchaser is the Holder of the Note or its assigns, the balance of the purchase price shall be paid immediately with available funds within ten (10) days of the final ratification of the sale by the Circuit Court for Baltimore City. Time is of the essence. The purchaser, other than the Holder of the Note or its assigns, shall pay interest at the rate of 4.00000% per annum on the unpaid portion of the purchase price from the date of sale to date of settlement. Real property taxes and assessments shall be adjusted to the date of sale and assumed thereafter by the purchaser. Ground rent, water and/or sewer charges public or private, if any, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be paid by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property.

In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, the entire deposit is forfeited. The Substi-tuted Trustees shall resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any defi-ciency in the purchase price, all costs and expenses of both sales, attorney fees, all other charges due, and incidental and consequential damages. Defaulting purchaser also agrees to pay the Substituted Trustees’ attorney a fee of $500.00 in connection with the filing of a motion to resell.

In the event the Substituted Trustees do not convey title for any reason, purchaser’s sole remedy is return of the deposit. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The Substituted Trustees shall have the right to terminate this contract in the event the Holder or its Servicer has entered into any agreement with, or accepted funds from, the mortgagor. Upon termination of the contract, Purchas-er’s sole remedy shall be return of the deposit.

THOMAS P. DORE, MARK S. DEVANGERARD F. MILES, JR., SHANNON MENAPACE,

ERIN GLOTH, and CHRISTINE DREXEL,Substituted Trustees.

Tidewater Auctions, LLC(410) 825-2900

www.tidewaterauctions.como27,n3,10

Baltimore City

Rosenberg & Associates, LLC7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814(301) 907-8000

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

1128 N. Calhoun St., Baltimore, MD 21217————————————

Under a power of sale contained in a certain Deed of Trust from Michael A. Handy, Jr., dated June 1, 2007 and recorded in Liber 9583, folio 467 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:35 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #16-01-0055A-015 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $16,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 26190.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o27,n3,10

Baltimore City

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

337 E. 28th St., Baltimore, MD 21218————————————

Under a power of sale contained in a certain Deed of Trust from Karen L. Harris, dated July 17, 2009 and recorded in Liber 11870, folio 145 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:33 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID#12-17-3844-097 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $8,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 50009.

DIANE S. ROSENBERG, MARK D. MEYER, et al.,Substitute Trustees.

o27,n3,10

Baltimore City.

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

4009 Wilsby Avenue, Baltimore, MD 21218————————————

Under a power of sale contained in a Deed of Trust from KEVIN E. HOLMES, dated March 31, 2011 and recorded in Liber 13425, folio 173 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002185; Tax ID No. 09-010-3913A-005) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above referenced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $12,600.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 550575)

JAMES E. CLARKE, RENEE DYSON,BRIAN THOMAS,

Substitute Trustees.

o27,n3,10

Baltimore City

Rosenberg & Associates, LLC7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814(301) 907-8000

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

437 Orchard St., Baltimore, MD 21201————————————

Under a power of sale contained in a certain Deed of Trust from Ayesha Kabir a/k/a Ayesha Leonard, dated February 23, 2007 and recorded in Liber 9118, folio 117 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:34 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #11-08-0500-013 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $22,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 47628.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o27,n3,10

Baltimore City

Page 25: Disbar 1st, explain why later - Maryland Daily Record

The Daily Record 9BMonday, October 27, 2014 THEDAILYRECORD.COM

Gordon Feinblatt, LLC233 E. Redwood StreetBaltimore, MD 21202

Substitute Trustees’ SaleOf Valuable Fee Simple Property

(Known As)

4651 Park Heights Avenue, Baltimore, Maryland 21215-6331.858 Acre Commercial Lot

Previously Known As:4645, 4647 and 4651 Park Heights Avenue, Baltimore, Maryland 21215

Sale Will Be Held At The Premises———————————

Pursuant to the power of sale contained in a Deed of Trust from First New Life Baptist Church to Sybil Malatras and Cynthia Reid, Trustees, dated July 17, 2008 and recorded in the Land Records of Baltimore City, Maryland at Liber 10865, page 652 (the “Deed of Trust”), the holder of the indebtedness secured by the Deed of Trust having appointed David S. Musgrave and Bryan M. Mull, Substitute Trustees for the purpose of foreclosure, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will offer for sale at public auction at the premises, on

Wednesday, November 12, 2014 at 12:00 p.m.ALL THAT LOT OF GROUND situate and lying in Baltimore City, Maryland and more fully described as follows (hereafter the “Property”):BEGINNING for the first on the east side of Park Heights Avenue on the east side of Park Heights Avenue at the distance of 1044 feet 8-1/2 inches northerly from the northeast corner of Park Heights and Wiley Avenues, which place of beginning is

designed to be at the distance of 100 feet 8-1/2 inches north from the point where the east side of Park Heights Avenue intersects the southernmost outline of a lot of ground conveyed by Charles E. Spalding and wife to Mellie Singer by Deed dated January 21, 1898 and recorded among the Land Records of Baltimore County in Liber NBM 230 folio 178 etc. and running thence northerly on the east side of Park Heights Avenue 50 feet, thence westerly parallel with Wilely Avenue 240 feet to the place of beginning. The improvements thereon being known as No. 4647 Park Heights Avenue.

BEGINNING for the second on the northeast side of Park Heights Avenue at the distance of 994 fee 4-1/4 inches northwesterly from the corner formed by the intersection of the center of Wylie Avenue and the northeast side of Park Heights Avenue, which place of beginning is at the northwesternmost corner of a lot of ground heretofore conveyed by William Penrose to William A. Stonefsifer and running thence northwesterly binding on the northeast side of Park Heights Avenue 240 feet, thence southeasterly parallel with Park Heights Avenue 50 feet 4-1/4 inchies and running thence westerly by a straight line 240 feet to the place of beginning. The improvements thereon being known as No. 4645 Park Heights Avenue.

BEGINNING for the third on the east side of Park Heights Avenue at the distance of 1094 feet 8-1/2 inches northerly from the northeast corner of Park Heights Avenue and Wiley Avenue, which place of beginning is designed to be at the distance of 150 feet 8-1/2 inches north from the point where the east side of Park Heights Avenue intersects the southernmost outline of the lot of ground conveyed by Charles E. Spalding and wife to Nellie Singer by Deed dated January 21, 1898 and recorded among the Land Records of Baltimore County in Libert NBM 230 folio 178 and running thence northerly on the east side of Park Heights Avenue 50 feet to the northernmost outline of said whole tract of land running thence easterly on said norhtermost outline and parallel with Wiley Avenue 240 feet, thence south parallel with Wiley Avenue 240 feet to the place of beginning. The improvements thereon being known as No. 4651 Park Heights Avenue.

Being a portion of the same property which, by Deed dated January 30, 1989, and recorded among the Land Records of Baltimore City, Maryland in Liber 2032, page 131, was granted and conveyed to First New Life Baptist Church.TERMS OF SALE: This advertisement, as amended or supplemented by any oral announcements during the conduct of the sale, constitutes the entire terms upon which the Property shall be offered for sale, sold or purchased. The Property will be

sold subject to (i) all conditions, liens, restrictions, rights of redemption, covenants, encumbrances and agreements of record that take priority over the Deed of Trust; and (ii) such state of facts that an accurate survey or physical inspection of the Prop-erty might disclose.

A deposit in the amount of Five Thousand Dollars ($5,000.00) shall be required at the time and place of sale, payable by cashier’s check drawn on a bank acceptable to the Substitute Trustees, in their discretion. The deposit will not earn interest in the hands of the Substitute Trustees. The deposit must be increased to 10% of the purchase price within two (2) business days following the sale, in the form of a certified check or cashier’s check, by delivery to the Substitute Trustees. The purchaser shall pay the balance due in cash, certified or cashier’s check within twenty (20) days following entry of an order ratifying the sale by the Circuit Court for Baltimore City, Maryland, unless such period is extended by the Substitute Trustees, their successors and assigns, at their discretion. Interest shall be paid on the unpaid purchase money by the purchaser at the rate of 7.00% per annum from date of sale to date of settlement. The party secured by the Deed of Trust (the “Secured Party”) or any affiliate or subsidiary thereof, or an entity under common control with the Secured Party, if a bidder, shall not be required to post a deposit or to pay interest on the unpaid purchase money. All water and sewer charges, and all other public charges and assessments against the Property payable on an annual basis, including sanitary and/or metropolitan district charges, if any, shall be the responsibility of the purchaser, and there shall be no adjustment therefor. The purchaser shall pay all closing costs of the sale, including recordation, sales, transfer and agricultural land transfer taxes. All obligations of purchaser hereunder shall survive closing and delivery of the deed. The purchaser (other than the Secured Party) shall sign a contract including this advertisement and other terms. Time is of the essence. The purchaser shall deliver to the Substitute Trustees, within one (1) business day following the sale, an insurance certificate confirming that the purchaser has obtained liability insurance coverage on the Property, naming the Substitute Trustees and Secured Party as additional insured parties on the policy, and otherwise in form and content acceptable to the Substitute Trustees. The failure of the purchaser to provide such evidence of insurance coverage shall constitute grounds for nullifying and voiding the sale. The Substitute Trustees reserve the right to require registration and/or pre-qualification of bidders, to modify or waive the requirements for bidders’ deposits, to approve the cred-itworthiness of any bidder and final purchaser, to withdraw the Property from sale prior to acceptance of a final bid, to cancel the sale, to use an agent or attorney to conduct the sale, to reject any and all bids or to postpone the sale and keep the bidding open for any length of time, and to conduct other sales as the Substitute Trustees may determine in their discretion. The Property will be sold in an “AS IS” condition and without any recourse, representations or warranties, either express or implied, as to its nature, condition or description. Neither the Substitute Trustees nor the Secured Party make any warranty or representation of any kind or nature, express or implied with respect to: (i) the physical condition of, the description of, or title to the Property; or (ii) the zoning, subdivision or use of the Property. The purchaser of the Property at the foreclosure sale shall be responsible for any code violations (and resulting fines) occurring on or about the Property, whether or not official notices thereof are issued, and for the risk of loss to the Property from and after the time of sale. Neither the Substitute Trustees nor the Secured Party make any representation or assurance of any kind or nature, express or implied, with respect to the purchaser’s ability to obtain possession of the Property, and the purchaser shall be solely responsible for obtaining possession of the Property. If the purchaser defaults, in addition to any other legal or equitable remedies available to him, the Substitute Trustees may declare the entire deposit forfeited and, in addition, may resell the Property at the risk and cost of the defaulting purchaser. In such event, the defaulting purchaser shall (i) be liable for the payment of any deficiency in the purchase price, all costs and expenses of both sales, attorneys’ fees and all other charges incurred by the Substitute Trustees; and (ii) not be entitled to any surplus proceeds resulting from the resale of the Property even if such surplus resulted from improvements to the Property made by or on behalf of the defaulting purchaser. If the Substitute Trustees are unable to convey the Property by reason of any defect in the title or otherwise, the sole remedy of the purchaser of the Property at law or in equity shall be limited to the refund of the aforementioned deposit. Upon refund of the deposit to the purchaser, the sale shall be void and of no effect, and the purchaser shall have no further claims against the Substitute Trustees or the Secured Party. The conveyance by the Substitute Trustees to the purchaser at settlement shall be by Substitute Trustees’ Deed, without covenant or warranty. The purchaser is responsible for, and the Property is sold subject to, any environmental matter or condition, whether latent or observable, that may exist at or affect or relate to the Property and to any governmental requirements affecting same. The purchaser of the Property waives, on its behalf and on behalf of its heirs, personal representatives, successors and assigns, any claims under all present and future environmental laws including, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended.

NOTE: The information contained herein was obtained from sources deemed to be reliable, but is offered for informational purposes only. The Auctioneer, the Substitute Trustees and the Secured Party do not make any representations or warranties with respect to the accuracy of such information. For additional information, please contact David S. Musgrave, Esquire, 233 East Redwood Street, Baltimore Maryland 21202, 410-576-4194.

DAVID S. MUSGRAVE and BRYAN M. MULL,Substitute Trustees.

o27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

2608 Moore Avenue, Baltimore, MD 21234————————————

Under a power of sale contained in a Deed of Trust from JAMES T. CLARK AND MONYETTE CLARK, dated July 21, 2010 and recorded in Liber 12811, folio 274 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14000620; Tax ID No. 27-370-5461-015) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $15,900.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 547241)

JAMES E. CLARKE, RENEE DYSON,SHANNON MENAPACE,

Substitute Trustees.

o27,n3,10

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE

SUITE 310LEESBURG, VA 20175

703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

3106 Chesley Avenue, Baltimore, MD 21234————————————

Under a power of sale contained in a Deed of Trust from DIANE M. ELKO AND NICHOLAS A. ELKO, dated September 19, 2007 and recorded in Liber 10581, folio 164 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14000775; Tax ID No. 27-040-5551-039) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $40,000.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 547232)

JAMES E. CLARKE, RENEE DYSON,SHANNON MENAPACE,

Substitute Trustees.

o27,n3,10

Baltimore City

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

319 S. Highland Ave., Baltimore, MD 21224————————————

Under a power of sale contained in a certain Deed of Trust from Patrick J. Flood, dated February 19, 2010 and recorded in Liber 12451, folio 216 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 13, 2014 at 9:32 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #26-16-6313-020 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $13,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 44583.

DIANE S. ROSENBERG, MARK D. MEYER, et al.,Substitute Trustees.

o27,n3,10

Baltimore City.

Page 26: Disbar 1st, explain why later - Maryland Daily Record

10B The Daily Record Monday, October 27, 2014THEDAILYRECORD.COM

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

1201 N. Central Ave., Baltimore, MD 21202————————————

Under a power of sale contained in a certain Deed of Trust from Frank B. Robinson and Antoinette S. Robinson, dated February 16, 2007 and recorded in Liber 9237, folio 644 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 6, 2014 at 9:31 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #10-01-1161-001 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $9,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 46592.

DIANE S. ROSENBERG, MARK D. MEYER, et al.,Substitute Trustees.

o20,27,n3

Baltimore City.

Rosenberg & Associates, LLC7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814(301) 907-8000

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

2008 Madison Ave., Baltimore, MD 21217————————————

Under a power of sale contained in a certain Deed of Trust from Ronny Santosa, dated April 24, 2007 and recorded in Liber 9469, folio 669 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 6, 2014 at 9:34 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #14-04-0316-005 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $52,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 46554.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o20,27,n3

Baltimore City

Alba Law Group, P.A.11350 McCormick Road, Executive Plaza III, Suite 200

Hunt Valley, MD 21031(443) 541-8600

Substituted Trustees’ Sale OfReal Property

Known As124 South Culver Street, Baltimore, MD 21229

Case Number 24-O-14-001892————————————

Under and by virtue of the power of sale contained in a Deed of Trust from Gladys S. Smith recorded among the Land Records of Baltimore City in Liber 7851, folio 400, and Declaration of Substitution of Trustees recorded among the aforementioned Land Records substituting Mark S. Devan, Erin Gloth, Christine Drexel, Brian McNair, Melissa L. Cassell, Angela Nasuta, and Thomas P. Dore as Substituted Trustees, the Substituted Trustees will offer for sale at public auction, at the Courthouse Door, (Courthouse West), 100 N. Calvert Street, (Calvert Street entrance), Baltimore, Maryland on

Wednesday, November 5, 2014 at 09:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon situate in Balti-

more City, State of Maryland, as described in the Deed of Trust recorded among the Land Records of Baltimore City, in Liber 7851, folio 400, also being further described in a Deed recorded among the Land Records of Baltimore City in Liber 3162, folio 136. The improvements thereon consist of a DWELLING.

The property will be sold in “AS IS” condition, subject to any existing building violations, restrictions and agreements of record. The purchaser assumes all risks of loss for the property as of the date of sale. Neither the Substituted Trus-tees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property. The Substituted Trustees shall convey insurable title.

TERMS OF THE SALE: A deposit in a form acceptable to the Substituted Trustee in the amount of $7,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time and place of sale. Any amount tendered at sale in excess of the required deposit will be refunded and not applied to the purchase price. Unless the purchaser is the Holder of the Note or its assigns, the balance of the purchase price shall be paid immediately with available funds within ten (10) days of the final ratification of the sale by the Circuit Court for Baltimore City. Time is of the essence. The purchaser, other than the Holder of the Note or its assigns, shall pay interest at the rate of 7.50000% per annum on the unpaid portion of the purchase price from the date of sale to date of settlement. Real property taxes and assessments shall be adjusted to the date of sale and assumed thereafter by the purchaser. Ground rent, water and/or sewer charges public or private, if any, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be paid by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property.

In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, the entire deposit is forfeited. The Substi-tuted Trustees shall resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any defi-ciency in the purchase price, all costs and expenses of both sales, attorney fees, all other charges due, and incidental and consequential damages. Defaulting purchaser also agrees to pay the Substituted Trustees’ attorney a fee of $500.00 in connection with the filing of a motion to resell.

In the event the Substituted Trustees do not convey title for any reason, purchaser’s sole remedy is return of the deposit. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The Substituted Trustees shall have the right to terminate this contract in the event the Holder or its Servicer has entered into any agreement with, or accepted funds from, the mortgagor. Upon termination of the contract, Purchas-er’s sole remedy shall be return of the deposit.

MARK S. DEVAN, ERIN GLOTH,CHRISTINE DREXEL, BRIAN MCNAIR,

MELISSA L. CASSELL, ANGELA NASUTA,and THOMAS P. DORE,

Substituted Trustees.Tidewater Auctions, LLC

(410) 825-2900www.tidewaterauctions.com

o20,27,n3

Baltimore City

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

324 N. Paca St., Baltimore, MD 21201————————————

Under a power of sale contained in a certain Deed of Trust from Jason H. Tate, dated October 31, 2006 and recorded in Liber 8745, folio 434 and re-recorded in Liber 15314, folio 27 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 6, 2014 at 9:30 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #04-03-0575-023 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $33,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 49369.

DIANE S. ROSENBERG, MARK D. MEYER, et al.,Substitute Trustees.

o20,27,n3

Baltimore City.

Rosenberg & Associates, LLC7910 Woodmont Avenue, Suite 750

Bethesda, Maryland 20814(301) 907-8000

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

406 E. 22nd St., Baltimore, MD 21218————————————

Under a power of sale contained in a certain Deed of Trust from Sylvia Walker, dated July 30, 2010 and recorded in Liber 12856, folio 334 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 6, 2014 at 9:35 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #12-13-3815-070 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $15,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 43378.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o20,27,n3

Baltimore City

ATLANTIC LAW GROUP, LLC.1602 VILLAGE MARKET BLVD. SE, SUITE 310

LEESBURG, VA 20175703-777-7101

Substitute Trustees’ SaleOf Improved Real Property

2815 Woodbrook Avenue, Baltimore, MD 21217————————————

Under a power of sale contained in a Deed of Trust from GEORGE CARTER, dated December 19, 2006 and recorded in Liber 08833, folio 0472 among the Land Records of BALTIMORE CITY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 24O14002187; Tax ID No. 13-050-3228B-008) the Sub. Trustees will sell at public auction at the BALTIMORE CITY COURTHOUSE, located at 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202, on

November 13, 2014 at 11:00 a.m.ALL THAT LEASEHOLD LOT OF GROUND and improvements thereon

situated in BALTIMORE CITY, MD and more fully described in above refer-enced Deed of Trust.

THE PROPERTY IS SUBJECT TO A GROUND RENT OF $60.00 PAYABLE ON THE 1st DAYS OF January AND July OF EACH AND EVERY YEAR

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $11,900.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE CITY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 551163)

JAMES E. CLARKE, RENEE DYSON,BRIAN THOMAS,

Substitute Trustees.

o27,n3,10

Baltimore City

Page 27: Disbar 1st, explain why later - Maryland Daily Record

The Daily Record 11BMonday, October 27, 2014 THEDAILYRECORD.COM

Alba Law Group, P.A.11350 McCormick Road, Executive Plaza III, Suite 200

Hunt Valley, MD 21031(443) 541-8600

Substituted Trustees’ Sale OfReal Property

Known As2581 Edmondson Avenue, Baltimore, MD 21223

Case Number 24-O-14-002661————————————

Under and by virtue of the power of sale contained in a Deed of Trust from Nghiem Dang recorded among the Land Records of Baltimore City in Liber 10815, folio 340, and Declaration of Substitution of Trustees recorded among the aforementioned Land Records substituting Mark S. Devan, Thomas P. Dore, Christine Drexel, Brian McNair, and Melissa L. Cassell as Substituted Trustees, the Substituted Trustees will offer for sale at public auction, at the Courthouse Door, (Courthouse West), 100 N. Calvert Street, (Calvert Street entrance), Balti-more, Maryland on

Wednesday, November 5, 2014 at 09:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon situate in Balti-

more City, State of Maryland, as described in the Deed of Trust recorded among the Land Records of Baltimore City, in Liber 10815, folio 340, also being further described in a Deed recorded among the Land Records of Baltimore City in Liber 10815, folio 334. The improvements thereon consist of a DWELLING.

The property will be sold in “AS IS” condition, subject to any existing building violations, restrictions and agreements of record. The purchaser assumes all risks of loss for the property as of the date of sale. Neither the Substituted Trus-tees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property. The Substituted Trustees shall convey insurable title.

TERMS OF THE SALE: A deposit in a form acceptable to the Substituted Trustee in the amount of $7,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time and place of sale. Any amount tendered at sale in excess of the required deposit will be refunded and not applied to the purchase price. Unless the purchaser is the Holder of the Note or its assigns, the balance of the purchase price shall be paid immediately with available funds within ten (10) days of the final ratification of the sale by the Circuit Court for Baltimore City. Time is of the essence. The purchaser, other than the Holder of the Note or its assigns, shall pay interest at the rate of 6.00000% per annum on the unpaid portion of the purchase price from the date of sale to date of settlement. Real property taxes and assessments shall be adjusted to the date of sale and assumed thereafter by the purchaser. Ground rent, water and/or sewer charges public or private, if any, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be paid by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property.

In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, the entire deposit is forfeited. The Substi-tuted Trustees shall resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any defi-ciency in the purchase price, all costs and expenses of both sales, attorney fees, all other charges due, and incidental and consequential damages. Defaulting purchaser also agrees to pay the Substituted Trustees’ attorney a fee of $500.00 in connection with the filing of a motion to resell.

In the event the Substituted Trustees do not convey title for any reason, purchaser’s sole remedy is return of the deposit. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The Substituted Trustees shall have the right to terminate this contract in the event the Holder or its Servicer has entered into any agreement with, or accepted funds from, the mortgagor. Upon termination of the contract, Purchas-er’s sole remedy shall be return of the deposit.

MARK S. DEVAN, THOMAS P. DORE,CHRISTINE DREXEL, BRIAN MCNAIR,

and MELISSA L. CASSELL,Substituted Trustees.

Tidewater Auctions, LLC(410) 825-2900

www.tidewaterauctions.como20,27,n3

Baltimore City

Buonassissi, Henning & Lash, P.C.1861 Wiehle Avenue, Suite 300

Reston, Virginia 20190(703) 796-1341

Trustee’s SaleOf Valuable Fee Simple Property

4805 Hamilton Avenue, Baltimore, MD 21206————————————

In execution of the Deed of Trust dated December 21, 2006 and recorded January 29, 2007 in Liber FMC 08963, folio 0248, among the City of Baltimore land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on

November 6, 2014, at 11:20 a.m.at the front of the Circuit Court for Baltimore City, Clarence M. Mitchell

Courthouse, Calvert Street entrance, 100 N. Calvert Street, Baltimore, Maryland, the following property:

ALL THAT FEE SIMPLE LOT OF GROUND together with any buildings or improvements thereon situated in the City of Baltimore, Maryland and more fully described in the aforementioned Deed of Trust.

TAX ID: 26-44-6072P-028

The property and improvements will be sold in “as is” physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same.

TERMS OF SALE: A non-refundable bidder’s deposit of $14,000.00 by cash-ier’s/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 6.875% per annum from date of sale to receipt of purchase price by Trustees must be paid by cashier’s check within 10 days after final ratification of sale. There will be no abatement of interest due from the purchaser in the event settlement is delayed for any reason. All real estate taxes and other public charges and/or assessments to be adjusted as of the date of sale and thereafter assumed by purchaser. If applicable, any condominium and/or homeowners association dues and assessments that may become due after the date of sale shall be purchaser’s responsibility. Purchaser shall pay all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney’s fees of both sales. If Trustees do not convey title for any reason, purchaser’s sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser’s sole remedy shall be return of deposit without interest. (80710)

RICHARD A. LASH, BARRY K. BEDFORD, DAVID A. ROSEN, LEONARD W. HARRINGTON, JR., ROBERT E. KELLY, and RAMSEY SALEEBY, Substitute Trustees.

o20,27,n3

Baltimore City

Buonassissi, Henning & Lash, P.C.1861 Wiehle Avenue, Suite 300

Reston, Virginia 20190(703) 796-1341

Trustee’s SaleOf Valuable Fee Simple Property

5205 Elmer Avenue, Baltimore, MD 21215————————————

In execution of the Deed of Trust dated June 26, 2008 and recorded July 17, 2008 in Liber FMC 10860, folio 178, among the City of Baltimore land records, the undersigned Substitute Trustees, any of whom may act, will offer for sale at public auction on

November 6, 2014, at 11:22 a.m.at the front of the Circuit Court for Baltimore City, Clarence M. Mitchell

Courthouse, Calvert Street entrance, 100 N. Calvert Street, Baltimore, Maryland, the following property:

ALL THAT FEE SIMPLE LOT OF GROUND together with any buildings or improvements thereon situated in the City of Baltimore, Maryland and more fully described in the aforementioned Deed of Trust.

TAX ID: 27-21-4552-123

The property and improvements will be sold in “as is” physical condition without warranty of any kind and subject to all conditions, restrictions and agreements of record affecting the same.

TERMS OF SALE: A non-refundable bidder’s deposit of $11,000.00 by cash-ier’s/certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. The balance of the purchase price together with interest thereon at 6.50% per annum from date of sale to receipt of purchase price by Trustees must be paid by cash-ier’s check within 10 days after final ratification of sale. There will be no abate-ment of interest due from the purchaser in the event settlement is delayed for any reason. All real estate taxes and other public charges and/or assessments to be adjusted as of the date of sale and thereafter assumed by purchaser. If appli-cable, any condominium and/or homeowners association dues and assessments that may become due after the date of sale shall be purchaser’s responsibility. Purchaser shall pay all transfer, documentary and recording taxes/fees and all other settlement costs. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit will be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney’s fees of both sales. If Trustees do not convey title for any reason, purchaser’s sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser’s sole remedy shall be return of deposit without interest. (80960)

RICHARD A. LASH, BARRY K. BEDFORD, DAVID A. ROSEN, LEONARD W. HARRINGTON, JR., ROBERT E. KELLY, and RAMSEY SALEEBY, Substitute Trustees.

o20,27,n3

Baltimore City

Alba Law Group, P.A.11350 McCormick Road, Executive Plaza III, Suite 200

Hunt Valley, MD 21031(443) 541-8600

Substituted Trustees’ Sale OfReal Property

Known As1106 Washington Boulevard, Baltimore, MD 21230

Case Number 24-O-14-002326————————————

Under and by virtue of the power of sale contained in a Deed of Trust from Jeratoto LLC, Thomas Viehman, and Ralph Viehman III recorded among the Land Records of Baltimore City in Liber 7426, folio 725, and Declaration of Substitution of Trustees recorded among the aforementioned Land Records substituting Mark S. Devan, Thomas P. Dore, Christine Drexel, Brian McNair, Melissa L. Cassell, and Angela Nasuta as Substituted Trustees, the Substituted Trustees will offer for sale at public auction, at the Courthouse Door, (Courthouse West), 100 N. Calvert Street, (Calvert Street entrance), Baltimore, Maryland on

Wednesday, November 5, 2014 at 09:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon situate in Balti-

more City, State of Maryland, as described in the Deed of Trust recorded among the Land Records of Baltimore City, in Liber 7426, folio 725, also being further described in a Deed recorded among the Land Records of Baltimore City in Liber 7426, folio 721. The improvements thereon consist of a DWELLING.

The property is subject to an annual ground rent.The property will be sold in “AS IS” condition, subject to any existing building

violations, restrictions and agreements of record. The purchaser assumes all risks of loss for the property as of the date of sale. Neither the Substituted Trus-tees nor their respective agents, successors or assigns make any representations or warranties, either expressed or implied with respect to the property. The Substituted Trustees shall convey insurable title.

TERMS OF THE SALE: A deposit in a form acceptable to the Substituted Trustee in the amount of $25,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time and place of sale. Any amount tendered at sale in excess of the required deposit will be refunded and not applied to the purchase price. Unless the purchaser is the Holder of the Note or its assigns, the balance of the purchase price shall be paid immediately with available funds within ten (10) days of the final ratification of the sale by the Circuit Court for Baltimore City. Time is of the essence. The purchaser, other than the Holder of the Note or its assigns, shall pay interest at the rate of 9.25000% per annum on the unpaid portion of the purchase price from the date of sale to date of settlement. Real property taxes and assessments shall be adjusted to the date of sale and assumed thereafter by the purchaser. Ground rent, water and/or sewer charges public or private, if any, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps and transfer taxes shall be paid by the purchaser. Purchaser shall have the responsibility of obtaining possession of the property.

In the event settlement is delayed for any reason, there shall be no abatement of interest. If the purchaser defaults, the entire deposit is forfeited. The Substi-tuted Trustees shall resell the property at the risk and expense of the defaulting purchaser. The defaulting purchaser shall be liable for the payment of any defi-ciency in the purchase price, all costs and expenses of both sales, attorney fees, all other charges due, and incidental and consequential damages. Defaulting purchaser also agrees to pay the Substituted Trustees’ attorney a fee of $500.00 in connection with the filing of a motion to resell.

In the event the Substituted Trustees do not convey title for any reason, purchaser’s sole remedy is return of the deposit. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. The Substituted Trustees shall have the right to terminate this contract in the event the Holder or its Servicer has entered into any agreement with, or accepted funds from, the mortgagor. Upon termination of the contract, Purchas-er’s sole remedy shall be return of the deposit.

MARK S. DEVAN, THOMAS P. DORE,CHRISTINE DREXEL, BRIAN MCNAIR,

MELISSA L. CASSELL, and ANGELA NASUTA,Substituted Trustees.

Tidewater Auctions, LLC(410) 825-2900

www.tidewaterauctions.como20,27,n3

Baltimore City

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

1611 Sherwood Ave., Baltimore, MD 21239————————————

Under a power of sale contained in a certain Deed of Trust from Nico Mawun, dated November 17, 2006 and recorded in Liber 8745, folio 495 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 6, 2014 at 9:32 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #27-60-5237B-054 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $14,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 46262.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o20,27,n3

Baltimore City.

Hofmeister, Breza & Leavers,Executive Plaza III,

11350 McCormick Road, Suite 1300,Hunt Valley, Maryland 21031.

Substitute Trustees’ SaleOf Valuable Fee Simple Dwelling

2607 Park Heights Terrace, Baltimore, MD 21215————————————

Under and by virtue of the power of sale contained in a certain Commercial Deed of Trust from Mustang Properties, LLC, and Kevin R. Hughes and Stephanie G. Hughes, Members, dated May 27, 2009, and recorded in Liber 11711, folio 238, among the Land Records of Baltimore City, Maryland, default having occurred under the terms thereof, and at the request of the parties secured thereby, the undersigned Substitute Trustees will offer for sale at public auction at the Circuit Court for Baltimore City, Clarence M. Mitchell Courthouse Door, 100 N. Calvert Street, Baltimore, MD on

Wednesday, November 5, 2014 at 9:50 a.m.ALL THAT LOT OF GROUND and the improvements thereon SITUATED IN

Baltimore City, Maryland and more fully described in the aforesaid Commercial Deed of Trust.

The property is believed to be improved by a MULTI-FAMILY, CENTER TOWNHOUSE STYLE DWELLING believed to contain two units. One unit is believed to contain three bedrooms, two full baths and a partially finished base-ment. The second unit is believed to contain two bedrooms and one full bath. The property is believed to be improved by central air conditioning and a covered front porch. The property address is 2607 Park Heights Terrace, Baltimore, MD 21215.

Said property is in fee simple and is sold in an “as is condition” and subject to all covenants, conditions, liens, restrictions, easements, rights-of-way as may affect same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $6,000.00 will be required of the purchaser, other than the Holder of the Note or its assigns, at the time of sale, such deposit to be in cash or certified check, or other form acceptable to the Substitute Trustees, in their sole discretion. Balance of the purchase price is to be paid in cash within ten (10) days of the final ratification of sale by the Circuit Court for Balti-more City. If payment of the balance does not take place within ten (10) days of ratification, the deposit may be forfeited and property may be resold at the risk and expense of the defaulting purchaser. The defaulting purchaser shall not be entitled to any surplus proceeds or profits resulting from any resale of the prop-erty. Interest to be paid on unpaid purchase money at the rate pursuant to the deed of trust note from date of sale to date funds are received in the office of the Substitute Trustees in the event the property is purchased by someone rather than the note holder.

In the event settlement is delayed for any reason, including, but not limited to, exceptions to the sale, bankruptcy filings by interested parties, or court admin-istration of the foreclosure, there shall be no abatement of interest. Taxes, ground rent, water, condominium fees and/or homeowner association dues, all public charges, assessments payable on an annual basis, including sanitary and/or metropolitan district charges and front foot benefit charges, if applicable, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law or equity shall be limited to the refund of the deposit. Upon refund of the deposit, this sale shall be void and of no effect, and the purchaser shall have no further claims against the Substitute Trustees.

NOTE: The information contained herein was obtained from sources deemed to be reliable, but is offered for informational purposes only. Neither the auctioneer, the beneficiary of the Deed of Trust, the Substitute Trustee nor his agents or attorneys make any representations or warranties with respect to the accuracy of information.

PROSPECTIVE PURCHASERS ARE URGED TO PERFORM THEIR OWN DUE DILIGENCE WITH RESPECT TO THE PROPERTY PRIOR TO THE FORE-CLOSURE AUCTION. For additional information, please contact the Substitute Trustees.

C. LARRY HOFMEISTER, JR., CRAIG B. LEAVERS,STEPHANIE H. HURLEY and KAITLIN R. SMITH,

Substitute Trustees.Tidewater Auctions, LLC

410-825-2900www.tidewaterauctions.com

o20,27,n3

Baltimore City

Page 28: Disbar 1st, explain why later - Maryland Daily Record

12B The Daily Record Monday, October 27, 2014THEDAILYRECORD.COM

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE

SUITE 310,LEESBURG, VA 20175,

703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property

4101 Tiverton Road, Randallstown, MD 21133————————————

Under a power of sale contained in a Deed of Trust from KIMBERLY L. KEARNEY, dated April 26, 2007 and recorded in Liber 0025714, folio 660 among the Land Records of BALTIMORE COUNTY, MD, default having occurred there-under (Foreclosure Case docketed as Case No. 03C14006489; Tax ID No. 02-0223751010) the Sub. Trustees will sell at public auction at the BALTIMORE COUNTY COURTHOUSE, located at 401 BOSLEY AVE, TOWSON, MD 21204, on

November 13, 2014 at 12:30 p.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE COUNTY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $40,800.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE COUNTY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 550423)

JAMES E. CLARKE,RENEE DYSON,

Substitute Trustees.

o27,n3,10

Baltimore County

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE

SUITE 310,LEESBURG, VA 20175,

703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property

23 Maryland Avenue, Dundalk, MD 21222————————————

Under a power of sale contained in a Deed of Trust from RODNEY MURCHISON, dated July 29, 2005 and recorded in Liber 0025530, folio 118 among the Land Records of BALTIMORE COUNTY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 03C14003285; Tax ID No. 12-2200009858) the Sub. Trustees will sell at public auction at the BALTI-MORE COUNTY COURTHOUSE, located at 401 BOSLEY AVE, TOWSON, MD 21204, on

November 13, 2014 at 12:30 p.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE COUNTY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $19,200.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE COUNTY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 541608)

JAMES E. CLARKE, RENEE DYSON,SHANNON MENAPACE,

Substitute Trustees.

o27,n3,10

Baltimore County

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE, SUITE 310,

LEESBURG, VA 20175,703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property6617 Bowman Hill Drive,

Gwynn Oak, MD 21207————————————

Under a power of sale contained in a Deed of Trust from LAMAR NELL, dated March 10, 2009 and recorded in Liber 0027841, folio 395 among the Land Records of BALTIMORE COUNTY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 03C14006338; Tax ID No. 01-0123155991) the Sub. Trustees will sell at public auction at the BALTIMORE COUNTY COURTHOUSE, located at 401 BOSLEY AVE, TOWSON, MD 21204, on

November 13, 2014 at 12:30 p.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE COUNTY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $18,300.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE COUNTY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 544337)

JAMES E. CLARKE, RENEE DYSON,SHANNON MENAPACE,

Substitute Trustees.

o27,n3,10

Baltimore County

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE, SUITE 310,

LEESBURG, VA 20175,703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property

4032 Cedar Mills Road,Randallstown, MD 21133

————————————Under a power of sale contained in a Deed of Trust from KAREEM

ROBINSON AND JENNIFER D. SPRINGFIELD-ROBINSON, dated August 30, 2002 and recorded in Liber 0016796, folio 664 among the Land Records of BALTIMORE COUNTY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 03C13012360; Tax ID No. 02-21000001276) the Sub. Trustees will sell at public auction at the BALTIMORE COUNTY COURTHOUSE, located at 401 BOSLEY AVE, TOWSON, MD 21204, on

November 13, 2014 at 12:30 p.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE COUNTY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $22,100.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE COUNTY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 544206)

JAMES E. CLARKE, RENEE DYSON,SHANNON MENAPACE,

Substitute Trustees.

o27,n3,10

Baltimore County

ATLANTIC LAW GROUP, LLC.,1602 VILLAGE MARKET BLVD. SE, SUITE 310,

LEESBURG, VA 20175,703-777-7101.

Substitute Trustees’ SaleOf Improved Real Property

1647 Williams Avenue, Essex, MD 21221————————————

Under a power of sale contained in a Deed of Trust from FOSTER W. DOVE III, dated August 25, 2010 and recorded in Liber 0030062, folio 230 among the Land Records of BALTIMORE COUNTY, MD, default having occurred thereunder (Foreclosure Case docketed as Case No. 03C14009190; Tax ID No. 15-1502201980) the Sub. Trustees will sell at public auction at the BALTIMORE COUNTY COURTHOUSE, located at 401 BOSLEY AVE, TOWSON, MD 21204, on

November 13, 2014 at 12:30 p.m.ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon

situated in BALTIMORE COUNTY, MD and more fully described in above refer-enced Deed of Trust.

The property will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any and with no warranty of any kind.

Terms of Sale: A deposit $14,300.00 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for BALTIMORE COUNTY. Time is of the essence as to the purchaser. If the purchaser defaults, the deposit shall be forfeited and the prop-erty shall be resold at the purchaser’s risk and expense. In the event of a resale, the defaulting purchaser shall not be entitled to receive any benefit from the resale, including, but not limited to, additional proceeds or surplus which may arise therefrom. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received by the Substitute Trustees. There will be no abatement of interest in the event additional funds are tendered at the time of sale or any time prior to settlement or if the settlement is delayed for any reason. In the event that the Secured Party executes a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allows the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, this Contract shall be null and void and of no effect, and the Purchaser’s sole remedy shall be the return of the deposit without interest. Purchaser shall pay for documentary stamps, transfer taxes and settlement expenses. Taxes, ground rent, water rent, condo-minium fees and/or homeowner association dues, all public charges/-assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, shall be adjusted to the date of sale and assumed thereafter by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. If the Substitute Trustee(s) are unable to convey insurable title for any reason, the purchaser(s) sole remedy in law or equity shall be limited to a refund of the aforementioned deposit without interest. In the event the sale is not ratified for any reason, the Purchaser’s sole remedy, at law or equity, is the return of the deposit without interest. (File # 548600)

JAMES E. CLARKE, RENEE DYSON,BRIAN THOMAS,

Substitute Trustees.

o27,n3,10

Baltimore County

Rosenberg & Associates, LLC,7910 Woodmont Avenue, Suite 750,

Bethesda, Maryland 20814,(301) 907-8000.

www.rosenberg-assoc.com

Substitute Trustees’ SaleOf Improved Real Property

1336 Towson St., Baltimore, MD 21230————————————

Under a power of sale contained in a certain Deed of Trust from Benjamin F. Burns and Patricia C. Burns, dated January 26, 2006 and recorded in Liber 7378, folio 236 among the Land Records of Baltimore City, MD, default having occurred under the terms thereof, the Sub. Trustees will sell at public auction at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, MD 21202, on

November 6, 2014 at 9:33 a.m.ALL THAT FEE-SIMPLE LOT OF GROUND, together with the buildings and

improvements thereon situated in Baltimore City, MD and described as Tax ID #24-12-2004-027 and more fully described in the aforesaid Deed of Trust.

The property, which is improved by a DWELLING, will be sold in an “as is” condition and subject to conditions, restrictions and agreements of record affecting the same, if any, and with no warranty of any kind.

Terms of Sale: A deposit of $14,000 by cash or certified check. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Baltimore City. Interest to be paid on the unpaid purchase money at the rate pursuant to the Deed of Trust Note from the date of sale to the date funds are received in the office of the Sub. Trustees. There will be no abatement of interest in the event additional funds are tendered before settlement or if settlement is delayed for any reason. The noteholder shall not be obligated to pay interest if it is the purchaser. TIME IS OF THE ESSENCE FOR THE PURCHASER. Adjustment of all real property taxes, including agricul-tural taxes, if applicable, and any and all public and/or private charges or assessments, including water/sewer charges and ground rent, to be adjusted to date of sale and thereafter assumed by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale forward. Cost of all documentary stamps, transfer taxes and settlement expenses shall be borne by the purchaser. Purchaser shall be respon-sible for obtaining physical possession of the property. Purchaser assumes the risk of loss or damage to the property from the date of sale forward. Additional terms to be announced at the time of sale.

If the Sub. Trustees are unable to convey good and marketable title, the purchaser’s sole remedy in law and equity shall be limited to a refund of the deposit without interest. If the purchaser fails to go to settlement, the deposit shall be forfeited, to the Trustees for application against all expenses, attorney’s fees and the full commission on the sale price of the above-scheduled foreclosure sale. In the event of default, all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then re-advertise and resell the property at the risk and expense of the defaulting purchaser or may avail themselves of any legal or equitable remedies against the defaulting purchaser without reselling the property. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser and the defaulting purchaser shall be liable to the Trustees and secured party for reasonable attorney’s fees and expenses incurred in connection with all litigation involving the Property or the proceeds of the resale. Trustees’ file number 37305.

DIANE S. ROSENBERG,MARK D. MEYER, et al.,

Substitute Trustees.

o20,27,n3

Baltimore City.