Notice of default and intent to foreclose on multiple properties.

NOTICE OF DEFAULT AND INTENT TO FORECLOSE
Early Law, P.A f/k/a Gasdick Stanton Early, P.A. has been appointed as Trustee by WYNDHAM VACATION RESORTS, INC., A DELAWARE CORPORATION for the purposes of instituting a Trustee Foreclosure and Sale under Fla. Stat. 721.856. The following owners are hereby notified that you are in default of the note and mortgage for the following properties located in Bay County, Florida:
Contract Number: 1261400972 - ASHLEY MCCRAY and JEREL WILLIAMS, 5280 KINGSBERRY ST, COLUMBUS, GA 31907; Principal Balance: $14,396.42; Interest: $28,157.63; Late Charges: $450.00; TOTAL: $43,004.05 through December 3, 2025 (per diem: $7.096/day thereafter) for the following Property: A 105,000/633,452,000 undivided interest in real property commonly known as Units 137-147, 237-247, 337-347, 437-447, 537-547 of EMERALD BEACH RESORT CONDOMINIUM III, a 105,000/633,452,000 Ownership Interest allocated 105,000 Points as defined in the Declaration for use in Each year(s).
Contract Number: 1262301336 - MICHAEL ROBERT MAXWELL and SUSAN ANNETTE MAXWELL, 206 PRIEST VIEW DR, SMYRNA, TN 37167; Principal Balance: $71,744.26; Interest: $10,695.54; Late Charges: $55.00; TOTAL: $82,494.80 through December 3, 2025 (per diem: $29.464/day thereafter) for the following Property: A 600,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 600,000/2,182,407,500 Ownership Interest allocated 600,000 Points as defined in the Declaration for use in Each year(s).
Contract Number: 2001809227 - KATARA S HUNTER and WILLIAM LOWERY JR, 9836 S WOODLAWN AVE, CHICAGO, IL 60628; Principal Balance: $12,330.71; Interest: $1,362.23; Late Charges: $40.00; TOTAL: $13,732.94 through December 3, 2025 (per diem: $5.064/day thereafter) for the following Property: A 126,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 126,000/2,182,407,500 Ownership Interest allocated 126,000 Points as defined in the Declaration for use in Each year(s).
Contract Number: 2001810779 - JAMIE GUTHRIE CRUZ and OSCAR ROEL CRUZ JIMENES, 1110 WOODMONT CIR, FRANKLIN, KY 42134; Principal Balance: $51,588.36; Interest: $36,461.64; Late Charges: $225.00; TOTAL: $88,275.00 through December 3, 2025 (per diem: $19.773/day thereafter) for the following Property: A 400,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 400,000/2,182,407,500 Ownership Interest allocated 400,000 Points as defined in the Declaration for use in Each year(s).
Contract Number: 3731900295 - DIANA ARTEAGA and VERNON PRUNEDA, 5602 SHREVEPORT DR, AUSTIN, TX 78727; Principal Balance: $54,105.30; Interest: $7,549.47; Late Charges and Fees: $60.00; TOTAL: $61,714.77 through December 3, 2025 (per diem: $26.489/day thereafter) for the following Property: A 400,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 400,000/2,182,407,500 Ownership Interest allocated 400,000 Points as defined in the Declaration for use in Each year(s).
Contract Number: 3732300307 - DARNELL CLARK and ANGELA CLARK, 8447 MEADOW PLNS, SAN ANTONIO, TX 78254; Principal Balance: $23,903.41; Interest: $3,248.21; Late Charges: $ 50.00; TOTAL: $27,201.62 through December 3, 2025 (per diem: $9.817/day thereafter) for the following Property: A 105,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 105,000/2,182,407,500 Ownership Interest allocated 105,000 Points as defined in the Declaration for use in Each year(s).
All according and subject to the Declaration of Condominium for Emerald Beach Resort Condominium III, as recorded in Official Records Book 2944, Page 2252, public records of Bay County, Florida, together with any amendments and supplements thereto and the DECLARATION OF VACATION PLAN FOR PANAMA CITY BEACH VACATION OWNERSHIP PLAN (Timeshare Declaration), as recorded in Official Records Book 3056, Page 1438 et. seq., public records of Bay County, Florida, together with any and all amendments and supplements thereto hereinafter the VOI, the said Condominium Declaration and Timeshare Declaration being hereinafter collectively referred to as the "Declaration". Obligors shall have the right to cure the default and any junior lienholder shall have the right to redeem its interest up to the date the trustee issues the Certificate of Sale by paying the amounts due as outlined in the preceding paragraphs.
The owners must pay the TOTAL listed above plus the per diem and a $340.00 fee for trustee foreclosure sale plus costs as they accrue, if any. Failure to cure the default set forth herein or take other appropriate action regarding this matter will result in the loss of ownership of the timeshare through the trustee foreclosure procedure set forth in F.S.721.856. You have the right to submit an objection form, exercising your right to object to the use of the trustee foreclosure procedure. If the objection is filed this matter shall be subject to the judicial foreclosure procedure only. The default may be cured any time before the trustee's sale of your timeshare interest. If you do not object to the trustee foreclosure procedure, you will not be subject to a deficiency judgment even if the proceeds from the sale of your timeshare interest are insufficient to offset the amounts secured by the lien.
Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
By: Early Law, P.A f/k/a Gasdick Stanton Early, P.A., 5950 Hazeltine National Drive, Suite 650, Orlando, FL 32822
Pub: April 15 & 22, 2026
PCNH12250959