NOTICE OF MORTGAGE FORECLOSURE SALESTATE OF ALABAMA COUNTY OF ETOWAHDefault having been made of the terms of the loan documents secured by that certain mort-gage executed by Andrew Floyd Nix, and wife and Janice Marie Nix to J.A.M. Consultants, Inc. dated November 29, 2005; said mortgage being recorded on December 14, 2005 as Instru-ment No. M-2005-5416 in the Office of the Judge of Probate of Etowah County, Alabama. Said Mortgage was last sold, assigned and transferred to First Indiana Bank, N.A. by assign-ment recorded as Instrument No. M-2006-0571 in the Office of the Judge of Probate of Etowah County, Alabama.The undersigned, BMO BANK N.A. s/b/m with First Indiana Bank, N.A., under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for cash before the main entrance of the Court House in Etowah County, Alabama during the legal hours of sale (between 11am and 4pm), on June 10, 2026 the following property, situated in Etowah County, Alabama, to-wit:LOT NUMBER TWENTY-EIGHT (28) OF CEDAR HILLS FIRST ADDITION, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED ON PLAT BOOK "H" PAGE 17, PROBATE OFFICE, ETOWAH COUNTY, ALABAMA.Said property is commonly known as 875 Cornelia Circle, Gadsden, AL 35901.Should a conflict arise between the property address and the legal description, the legal description will control.Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authori-ty, all outstanding liens for public utilities which constitute liens upon the property, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, easements, rights-of-way, zoning ordinances, re-strictions, special assessments, covenants, the statutory right of redemption pursuant to Alabama law, and any matters of record including, but not limited to, those superior to said Mortgage first set out above. Said property will be sold on an "as-is" basis without any rep-resentation, warranty or recourse against the above-named or the undersigned. Bidders must perform their own due diligence. The successful bidder must present certified funds in the amount of the winning bid at the time and place of sale.Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process.ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and report-ing requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (the “Rule”), found at 89 FR 70258, went into effect. The Rule applies to certain residential real estate sale transactions (including nonjudicial foreclosures) where the transfer is to a legal entity or trust, and which includes cash purchases, private financing or financing provided by an institution not subject to a federal Anti-Money Laun-dering or Suspicion Activity Report requirement. As part of this Rule, purchasers and sellers are required to provide additional information and documentation about themselves, their legal entities, and the source of funds used in the reportable transaction, if applicable.* The collection of this information and documentation is required to comply with the Rule's fed-eral reporting requirements, if applicable. This notice is provided for informational purpos-es only and does not constitute legal advice. You are encouraged to consult with your own independent legal counsel if you have questions about how the FinCEN Anti-Money Laun-dering Rule affects your transaction and whether your transaction is reportable.* The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its ap-plicability to your sale, if any.The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Mortgage, and (3) to confirmation that the successful bidder has timely provided all information required for reporting under the Rule, 89 FR 70258, if applicable.BMO BANK N.A. S/B/M WITH FIRST INDIANA BANK, N.A.as holder of said mortgageMcCalla Raymer Leibert Pierce, LLP505 20th Street N, Suite 1775Birmingham, AL 35203Telephone: (205) 216-4238FT21@mccalla.comFile No. 26-08354ALwww.foreclosurehotline.netThe Messenger05/01/2026,05/08/2026,05/15/202626-08354ALMay 1, 8, and 15, 2026
