LAW OFFICES

Shulman Rogers, P.A.

12505 Park Potomac Avenue, 6th Floor

Potomac, MD 20854

(301) 230-5241

File No. 121286.00123

SUBSTITUTE TRUSTEE’S SALE

OF IMPROVED REAL PROPERTY

20 Liberty Street, Unit 3B, Westminster, MD 21157

(the “Property”)

Under a power of sale contained in a certain Purchase Money Deed of Trust (the “Deed of Trust”)

from Michael F. Lamb and Jennifer N. Lamb to John A. Scaldara, Jr., Trustee, dated February 13,

2017, and recorded in Book 8614, at Page 474, among the Land Records of Carroll County,

Maryland, default having occurred under the terms thereof, the Substitute Trustees (“Trustees”)

will sell at public auction at the Circuit Court for Carroll County, located at 200 Willis Street

(Historic Courthouse), Westminster, MD 21157, on

September 10, 2026 at 3:00 PM

All that Fee-Simple lot of ground and the improvements thereon, if any, identified as Tax

ID No. 07-150571 and more fully described in the aforesaid Deed of Trust.

The Property and improvements, if any, thereupon will be sold in “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 $8,000.00 by cashier’s or certified check, or in such other form as the

Substitute Trustees may determine, at their sole discretion at the time of sale. Balance of the

purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court

for Carroll County. Interest to be paid on the unpaid purchase money at the rate of 4.125% from

the date of sale to the date funds are received in the office of the 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 agricultural 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, and recordation taxes and settlement expenses shall be borne 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. Additional terms may be

announced at the time of the sale.

If the 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,

attorneys’ fees and the full commission of the sale price of the above-scheduled foreclosure sale.

In the event of default, all expenses of this sale (including attorneys’ fees and the full commission

of this sale) shall be charged against and paid out of the forfeited deposit. Any remaining deposit

shall be applied to the loan secured by the Deed of Trust. 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 re-selling 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 attorneys’

fees and expenses incurred in connection with all litigation involving the Property or the proceeds

of the resale.

Benjamin P. Smith

Rebekah F. Paradis

Seth W. Diamond

Erin M. August

Substitute Trustees

HARVEY WEST AUCTIONEERS, LLC.

300 E. JOPPA ROAD

HAMPTON PLAZA-SUITE 1103

BALTIMORE, MD 21286

www.hwestauctions.com

410-769-9797

Ad to appear in the Carroll County Times – August 28, September 1, & 8

LAW OFFICES

Shulman Rogers, P.A.

12505 Park Potomac Avenue, 6th Floor

Potomac, MD 20854

(301) 230-5241

File No. 121286.00123

SUBSTITUTE TRUSTEE’S SALE

OF IMPROVED REAL PROPERTY

20 Liberty Street, Unit 3B, Westminster, MD 21157

(the “Property”)

Under a power of sale contained in a certain Purchase Money Deed of Trust (the “Deed of Trust”)

from Michael F. Lamb and Jennifer N. Lamb to John A. Scaldara, Jr., Trustee, dated February 13,

2017, and recorded in Book 8614, at Page 474, among the Land Records of Carroll County,

Maryland, default having occurred under the terms thereof, the Substitute Trustees (“Trustees”)

will sell at public auction at the Circuit Court for Carroll County, located at 200 Willis Street

(Historic Courthouse), Westminster, MD 21157, on

September 10, 2026 at 3:00 PM

All that Fee-Simple lot of ground and the improvements thereon, if any, identified as Tax

ID No. 07-150571 and more fully described in the aforesaid Deed of Trust.

The Property and improvements, if any, thereupon will be sold in “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 $8,000.00 by cashier’s or certified check, or in such other form as the

Substitute Trustees may determine, at their sole discretion at the time of sale. Balance of the

purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court

for Carroll County. Interest to be paid on the unpaid purchase money at the rate of 4.125% from

the date of sale to the date funds are received in the office of the 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 agricultural 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, and recordation taxes and settlement expenses shall be borne 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. Additional terms may be

announced at the time of the sale.

If the 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,

attorneys’ fees and the full commission of the sale price of the above-scheduled foreclosure sale.

In the event of default, all expenses of this sale (including attorneys’ fees and the full commission

of this sale) shall be charged against and paid out of the forfeited deposit. Any remaining deposit

shall be applied to the loan secured by the Deed of Trust. 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 re-selling 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 attorneys’

fees and expenses incurred in connection with all litigation involving the Property or the proceeds

of the resale.

Benjamin P. Smith

Rebekah F. Paradis

Seth W. Diamond

Erin M. August

Substitute Trustees

HARVEY WEST AUCTIONEERS, LLC.

300 E. JOPPA ROAD

HAMPTON PLAZA-SUITE 1103

BALTIMORE, MD 21286

www.hwestauctions.com

410-769-9797

Ad to appear in the Carroll County Times – August 28, September 1, & 8