50 years ago... Inside... - Chattanooga Bar Association

Real Estate Section, page 13 

CAR Newsletter, page 28 

Recipe, 

page 21 

VOLUME XCV NUMBER 24 CHATTANOOGA, HAMILTON COUNTY, TENNESSEE — SINGLE COPY 50¢ FRIDAY, JUNE 13, 2008 

50 years 

ago... 

What was happening 

in Chattanooga 

in 1958 

Saturday, June 14 

The University of 

Chattanooga has just completed 

its most successful 

year in terms of enrollment 

and plant development, 

according to the annual 

report of President David 

A. Lockmiller. Enrollment 

in regular summer and 

evening colleges totaled 

2,920, with an additional 

1,456 in the Cadek 

Conservatory non-college 

department; bringing the 

total in all divisions to 

4,376. 

Monday, June 16 

The City Commission 

Monday afternoon agreed 

to a new city ordinance 

that will outlaw all pinball 

machines, but will permit 

miniature pool tables and 

other coin-operate devices 

that are for purposes of 

amusement. 

Tuesday, June 17 

Mrs. Franklin D. 

Roosevelt arrived at Lovell 

Field Tuesday morning on 

her way to the Highlander 

Folk School at Montegale, 

where she was to speak at 

noon. Myles Horton, 

director of the school, met 

Mrs. Roosevelt and accompanied 

her to the school. 

Judge J. Fred Bibb of 

Knoxville, interim jurist in 

the first division of 

Criminal Court, charged 

the new Hamilton County 

grand jury that was sworn 

in Tuesday. E.M. Cooper, 

Jr., manager of Du Pont 

Nylon plant had already 

been appointed grand jury 

foreman by Judge Bibb. 

Friday, June 20 

Informal opening of 

Loret Resort Villas 

Restaurant on 

Chickamauga Lake will be 

held beginning at 5 p.m. 

Saturday, Bill Hatch, 

manager, announced. The 

restaurant overlooks the 

Harrison Bay section of 

Loret Villas’ boat dock. 

The main dining room, 

called the “Candlelight 

Room,” provides seating 

for 150. 

Inside... 

COLUMNS 

Pettus Read...............4 

LEGAL INFO 

Legal Notices.............8 

OTHER INFORMATION 

I Swear.......................6 

Recipe......................21 

Hamilton County Herald 

Dunlap lawyer speaks out on Hamilton County attorneys 

By David Laprad 

Stephen Greer might practice 

law in Dunlap, Tenn., but he 

savors each case that brings him 

to Chattanooga. The reason has 

nothing to do with the scenic 40minute 

drive, which gives him 

time to think over his strategy for 

the day. And it doesn’t have 

anything to do with getting out 

of the small town where he’s 

spent most of his 59 years. 

Rather, he admires the quality of 

the attorneys in the Scenic City 

and enjoys going up against 

lawyers who force him to bring 

his “A” game to the table. 

“It’s been a real benefit to 

me to be able to participate in 

the Hamilton County Court system,” 

he says, seated in a small 

but elegant office along the main 

road through Dunlap. “The 

CBA is a terrific bar with some 

great people. And there are a lot 

of competent lawyers in 

Chattanooga. On 99 percent of 

my accident or worker’s comp 

cases, there’s a Chattanooga law 

firm on the other side. And 

when you go up against tough 

competitors, it makes you better, 

just like when two good sports 

teams play each other.” 

The sports analogy is a natural 

one for Greer, who attended 

Tennessee Tech University on a 

School bridges gap for students with learning differences 


You can see the pride on 

Eileen Card’s face. As the 

head of school at Scenic Land 

shuffles through a stack of 

photos of former students, she 

holds up one of a young man 

who’s going to Japan to work 

on his master’s degree in 

international business. Card 

says he’s also a talented musician. 

The young man in the 

photo is hardly a rare success 

football scholarship. He’d hoped 

to be able to play for UT, “like a 

lot of kids did back in the ‘60s,” 

but he says he wasn’t big or 

strong enough. The law school 

there didn’t have any problems 

with his academic credentials, 

though, and by 1973, Greer was 

ready to practice. 

for Scenic Land, located on 

Mountain Creek Road in 

Chattanooga. Among the 

alumni of the school are a 

millionaire businessman, an 

attorney in Oregon and a lady 

in Florida who’s earned a 

PhD. As different as their 

lives are, the one thing they 

all have in common is that 

when they were young, many 

thought of them as “disabled.” 

Card bristles at the use of 

the word. Although her elementary 

age students are 

Although his father is a 

lawyer, Greer said his parents 

never pressured him to take that 

path; rather, they encouraged 

him to do the best he could at 

whatever career he chose. Still, 

he liked history and political science, 

so he gravitated to what his 

dad did. “I wasn’t one of those 

among the 2.7 million children 

in the U.S. who suffer 

from dyslexia, AD/HD or 

Asperger’s Syndrome, she and 

the rest of the staff at the 

school don’t see them as disabled, 

but as having “learning 

differences.” 

“They don’t learn from 

textbooks. They can’t read a 

chapter and answer the questions 

at the end. They can 

absorb information and give 

it back to you wonderfully if 

it’s verbal, but if you ask them 

kids who set off for college and 

then figured out what to do. 

When I went to college, I knew 

that’s what I wanted to do. And 

it’s what I’ve done,” he says. 

Greer returned to his hometown 

expecting to hang a shingle 

Continued on page 4 

Stephen Greer is a trial lawyer practicing in Dunlap, Tenn. He says he enjoys going up against lawyers from Chattanooga 

because they force him to bring his “A” game to the table. (David Laprad) 

Students at Scenic Land hug Cooper, a dog the school rescued from an abusive owner. The gentle pet is a small part of the comprehensive 

therapy children suffering from dyslexia and other learning differences receive at the private institution. (David 

Jay 

Edwards, 

page 6 

to write down their answers, 

they’ll get a big red F. So 

you’ve got to change the way 

you teach them,” she says. 

Scenic Land appears to 

excel at doing just that. Walk 

through the school and you 

won’t see desks lined up in a 

row, but round tables and 

learning stations inside small 

classrooms. And instead of 

teachers trying to keep dozens 

of students in line as they 

deliver their lessons, you’ll 

see little groups of kids huddled 

around their teachers. 

Card says the goal of 

Scenic Land is to get its kids 

back into a regular school. 

Doing so involves addressing 

the special learning needs of 

each child and nurturing 

them both academically and 

socially. 

The first step in this 

process is testing a new student 

using a variety of assessment 

tools. Once the school’s 

instructors have a complete 

picture of a child’s learning 

differences, they develop an 

individualized curriculum for 

him or her. For example, students 

with dyslexia embark 

on a rigorous program to 

advance their reading and 

writing skills, while kids with 

AD/HD are kept more active 

in the classroom. 

As important as good 

scholastic abilities are, children 

with learning differences 

often need help in the social 

arena as well. Indeed, many 

new students at Scenic Land 

lack the skills needed to 

interact with their peers. 

That can change dramatically 

Laprad) Continued on page 9

2 Friday, June 13, 2008 HAMILTON COUNTY HERALD 

Money advice for new college graduates 

At this time of year, 

many recent graduates are 

leaving collegiate life behind 

and embarking on their first 

“real” career. It is an exciting 

time, but it’s also a time of 

new financial responsibilities. 

The Tennessee Society 

of CPAs advises that there 

are several money-wise steps 

to make sure recent grads 

start off on sound financial 

footing. 

Set up a savings plan 

Create a realistic budget 

that balances what you take 

home in your paycheck 

against your regular monthly 

expenses. Among your 

expenses, include a small 

amount that will go directly 

into a savings account. 

Although your money may 

Complete streets act aims to benefit cyclists, pedestrians, transit users 

An important step 

toward making safer, betterdesigned 

streets was taken by 

Representative Doris Matsui 

(D-Calif.) when she introduced 

the Safe and Complete 

Streets Act of 2008 to the 

U.S. House of 

Representatives. 

The bill will ensure that 

roads built and improved 

upon with federal funds will 

safely serve everyone using 

the roadway, including 

pedestrians, people on bicycles, 

those catching the bus 

and people with disabilities. 

“Once again, gas prices 

have hit record highs this 

week. As American families 

continue to feel the pain at 

the pump due to the skyrocketing 

costs of gasoline, they 

are driving less and less,” said 

Rep. Matsui. “By diversifying 

our roadways, we can provide 

real alternatives to travel 

by car.” 

Senator Norm Coleman 

(R-Minn.) signed on as the 

first Republican co-sponsor 

of the Senate version of the 

ABA section of litigation provided training to lawyers in Kosovo 

With human trafficking 

becoming an increasingly 

complex and insidious problem 

in Kosovo and the surrounding 

region, the 

American Bar Association 

Section of Litigation is taking 

steps to assure that lawyers 

have the skills to try cases 

seeking restitution for these 

crimes. 

U.S. lawyers last week 

provided advocacy skills 

training to Kosovar lawyers 

and judges to prepare them to 

be victim representatives in 

criminal trials against human 

traffickers. 

The training, which took 

place at the Legal Clinic 

Center at the University of 

Pristina in Kosovo, will provide 

prosecutors and judges 

with the practical skills necessary 

to seek forfeiture of 

assets as a way to control 

human traffickers and their 

organizations by removing the 

financial incentives. 

Approximately 50 lawyers 

and judges from Kosovo participated 

in the training program. 

The trainers, brought 

together by the section and 

the U.S. Department of 

Justice, Office of Overseas 

not stretch very far at first, 

it’s important to make savings 

a habit as soon as possible. 

When you need the cash 

for an emergency - or for a 

well-deserved splurge - you’ll 

be glad you have a savings 

plan. 

Polish your cooking 

skills 

Balancing work and life 

when starting your first fulltime 

job can be an experience 

in itself. Many young 

people find they have little 

time or energy to prepare 

breakfast or dinner for themselves, 

or to pack a bag lunch 

to eat at work. That can 

become a big problem, however, 

because it means these 

young workers end up with 

expensive takeout meals 

bill, S2686. The Complete 

Streets Act of 2008 was 

introduced a few weeks ago 

by Senators Tom Harkin (D- 

Iowa) and Thomas Carper 

(D-Del.). This is the first 

time that comprehensive 

complete streets bills have 

been introduced in both the 

House and Senate. 

Philip Pugliese, Outdoor 

Chattanooga Bicycle 

Coordinator, is excited about 

what the bills could do locally. 

“Complete street policies 

enhance our ability to provide 

safe and equitable 

mobility options for all of our 

citizens. As more and more 

people in Chattanooga are 

walking and bicycling for 

transportation—saving gas, 

reducing pollution and 

improving their fitness—it 

becomes more critical to 

ensure that we provide for 

the needs of all road users. 

Complete streets are a fiscally 

responsible way to do 

that.” 

“The bonus,” adds 

Pugliese, “is that we also get 

Prosecutorial Development 

Assistance and Training, with 

support from the ABA Rule of 

Law Initiative, will provide 

an intensive series of courses 

to help create a self-sustaining 

victim representative program. 

Sessions included: an 

overview of trafficking and 

Kosovo and the region; background 

on confiscation of 

property, the current law in 

Kosovo and challenges in its 

application; control of confiscated 

property; an study of 

the victims – who they are 

and where they come from; 

ethical considerations for 

lawyers and judges, and the 

examination of a sample case. 

The program supports the 

ABA’s goal of advancing the 

rule of law around the world. 

The Section of Litigation has 

been a leader in promoting 

the cause of international justice 

by helping litigators 

develop specialized trial skills. 

Last year, the section 

trained one dozen Sudanese 

lawyers through its Darfur 

Legal Training Project to help 

them seek justice by providing 

legal representation to those 

detained, tortured and sub- 

instead of the much more 

economical home-prepared 

meal. As an example, spending 

$20 a week on takeout 

meals adds up to $1,040 a 

year. That sum could be used 

to pay a month’s rent or 

could be the beginning of a 

down payment on your first 

house. If you set aside time to 

plan and shop for each week’s 

meals, your food costs will 

drop sharply, and you can 

make better choices with the 

money you save. 

Keep debt under control 

As soon as they enter 

college, young people begin 

receiving offers from credit 

card companies. While it 

may be tempting to run up a 

credit card balance in order 

to furnish your apartment, 

cleaner air and healthier 

people.” The City of 

Chattanooga’s Green 

Committee noted that transportation 

accounted for 26.2 

percent of the city’s community-wide 

greenhouse gas 

emissions in 2006, second 

only behind the industrial 

category, which made up 29.1 

percent. 

Complete Streets policies 

require transportation 

planners to take the needs of 

all users into account in all 

upcoming transportation 

projects, so the road networks 

can be gradually 

improved for everyone. Ore., 

Virg., Ill., Calif. and Mass. 

are among the states that 

have adopted complete 

streets policies or laws; 

dozens of counties, regional 

transportation agencies and 

cities and regions have also 

adopted the policies in the 

last few years, including 

Matsui’s home jurisdiction of 

Sacramento, as well as 

Seattle, Chicago and Salt 

Lake City. 

jected to abuses in the Sudan 

before international tribunals. 

In announcing the legal 

training project, section chair 

Judith A. Miller, San 

Francisco, said, “The 

American Bar Association 

Section of Litigation strongly 

believes that we should 

undertake this project to help 

secure basic human rights and 

fight the exploitation of 

human beings who are being 

trafficked as part of an organized 

crime network. We want 

to help protect these innocent 

lives, and believe that by 

seeking damages and pursuing 

confiscation, we can remove 

the incentives that drive this 

crime. By taking resources 

from those who profit from 

this inhumane practice, we 

can help victims. We are 

grateful to the lawyers who 

are contributing their time to 

this cause.” 

Coordinating the project 

are Anjali Chaturvedi of 

Washington, D.C. and T. 

Markus Funk, an assistant 

U.S. attorney in Chicago. 

Joining them on the faculty 

are: Joshua Orr, Boston; Raze 

Loshaj, prosecutor, Kosovo 

special prosecutor’s office, 

build a work wardrobe or 

acquire some new electronics, 

it’s not a good idea. 

Many recent graduates 

already have thousands of 

dollars in student loan obligations. 

Adding to that debt 

makes it more difficult to pay 

off your balances and begin 

to save for your future. 

If you do take on consumer 

or student loan debt, 

be sure to make your payments 

on time and in full. 

That will ensure that you 

maintain a good credit rating 

so that you can get credit in 

the future when you need it. 

If you have a bad credit rating, 

you could be refused an 

apartment -or have to pay a 

higher security deposit for it, 

be turned down for an auto 

Across the country, many 

transportation agencies have 

continued to design roads 

primarily for drivers – discouraging 

bicycling and leaving 

those on foot tramping 

through a track worn in the 

grass. Yet men and women 

outlive their driving years by 

six and ten years respectively 

and prefer to walk rather 

than be stuck at home. 

Transit users often face 

dangerous crossings and 

uncomfortable waits, while 

people who use wheelchairs 

or have vision impairments 

often cannot venture out at 

all due to a lack of sidewalks 

and curb ramps. And surveys 

show Americans of all ages 

and income levels want safe 

places to walk and ride bicycles. 

“We commend Rep. 

Matsui and Senators 

Coleman, Harkin and Carper 

for recognizing the importance 

of making the best 

investment possible with our 

federal transportation dollars,” 

said Barbara McCann, 

Pristina; and assistant U.S. 

attorneys Jim Russell, Denver, 

and Michael Frank, 

Washington, D.C. David Sip, 

director of the ABA Rule of 

Law Initiative in Kosovo, and 

Seeta Sookdeo, U.S. 

Department of Justice resident 

legal advisor in Kosovo, 

will also address the group. 

Faculty members have 

extensive experience and skill 

in criminal prosecution and 

human rights law in addition 

to experience with international 

tribunals. They 

include lawyers who have 

worked in past crises, individuals 

who have exceptional 

understanding of complex 

international legal relationships 

and procedures as well 

as demonstrated trial and 

advocacy skills. 

Invited participants 

included district and KSPO 

prosecutors, district judges, 

investigators, members of the 

judiciary, victim advocates 

from the Ministry of Justice 

and other lawyers who represent 

victims. Also invited are 

representatives from the 

Ministry of Justice, international 

prosecutors and judges 

and media representatives. 

loan or even face problems in 

getting a job. Whenever you 

take on debt, be sure you’re 

being realistic about your 

ability to pay it off. 

Remember retirement 

Retirement may be a 

long way off, but CPAs recommend 

that you begin contributing 

to a retirement 

account early. That’s because 

you’ll set aside more money 

over time and your nest egg 

will have more opportunities 

to grow. Begin contributing 

to your company’s 401(k) if 

one is available or open an 

individual retirement 

account. Each choice offers 

tax-advantaged opportunities 

to build for your future. 

Source: Tennessee Society 

of CPAs ❖ 

Coordinator of the National 

Complete Streets Coalition. 

“States and cities across the 

country have discovered that 

completing their streets for 

all users means safer communities 

that invite walking, 

bicycling and taking transit – 

and that can help people 

cope with the rising price of 

gasoline.” 

The National Complete 

Streets Coalition includes 

the AARP, the American 

Public Transportation 

Association, the American 

Planning Association, Smart 

Growth America, America 

Bikes, the Association of 

Pedestrian and Bicycle 

Professionals and many other 

organizations. 

For more information, 

v i s i t 

www.completestreeets.org. 

To learn more about 

Chattanooga’s Bike2Work 

and Bike2Lunch programs, 

v i s i t 

www.bikechattanooga.org. 

Source: Outdoor 

Chattanooga ❖ 

More information about 

the section can be found at 

www.abanet.org/litigation; for 

ABA Rule of Law Initiative 

information, visit 

www.abanet.org/rol. 

The ABA Section of 

Litigation, with more than 

76,000 members, includes 

trial lawyers, judges and others 

involved in all aspects of 

litigation and the dispute resolution 

process. The section 

is dedicated to promoting justice 

both domestically and 

internationally and enhancing 

public understanding of 

and respect for the legal profession. 

The Rule of Law 

Initiative is a public service 

project of the American Bar 

Association dedicated to promoting 

rule of law around the 

world. 

The Rule of Law 

Initiative believes that rule of 

law promotion is the most 

effective long-term antidote 

to the pressing problems facing 

the world community 

today, including poverty, economic 

stagnation and conflict. 

Source: American Bar 

Association ❖

HAMILTON COUNTY HERALD Friday, June 13, 2008 3 

under 

analysis 

By the Levison Group 

Mitch Margo 

Mark Levison 

Charles Kramer 

S.E. Farris 

There was cake and 

punch in the lunch room of 

the Levison Towers this 

week, but no one was happy 

to partake. This was the 

going away party for several 

young lawyers here- layoffs 

have hit the legal profession. 

We wished the departing 

well, and slipped quietly back 

to our desks, cake in hand. 

My resume is ready, if anyone 

asks. 

Not that lawyers should 

be immune from the general 

downturn in the world economy, 

but it is still jarring to 

see professionals with boxes 

of possessions going down 

the Levison Tower elevators. 

4,200 legal jobs have been 

lost nationwide in the last 

six months, and we expect to 

see more friends taking their 

office things home. Good 

lawyers will have no problem 

finding other employment, 

and I wish those furloughed 

Godspeed. 

A few lawyers whose jobs 

were affected this week are 

not worthy of much sympa- 

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stripes 

by S.E. Farris 

thy. These are the lawyers 

whose actions reflect poorly 

on the profession. The kind 

of lawyers whose misdeeds 

attach like a fungus to all 

lawyers, and whose actions 

we will hear about whenever 

we meet our non lawyer 

friends. Submitted for your 

disapproval this week, 

Gentle Reader, are the 

Lawyers we would Like to 

Fire ourselves. 

Finally, a stock Option 

his opponents like 

Department: Melvyn I. Weiss 

agreed to plead guilty to federal 

criminal charges last 

week. Weiss was involved in 

a scheme to make secret side 

payments to plaintiffs in 

class-action lawsuits filed by 

his firm, Milberg Weiss. 

Weiss and his partners, one 

of whom is already serving 

time in prison, conspired to 

pay off plaintiffs in shareholder 

lawsuits against corporations 

for corporate misconduct. 

His firm earned 

millions of dollars in legal 

fees, as well as winning nick- 

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els and dimes for clients 

whom he represented in 

shareholder lawsuits. 

Class action lawsuits are 

a perfect vehicle to redress 

wrongs that occur in such 

small denominations that a 

civil suit for each victim 

wouldn’t be feasible. Weiss 

practically invented the 

securities class action suit, 

and used them to pad his 

pockets while doing little for 

the clients he was supposed 

to represent. Except for those 

clients who got money on the 

side, of course. 

Weiss did say that he felt 

“deep regret” for his transgressions. 

Or at least, regret 

that he had gotten caught. 

Just under 3 years and 10 

million dollars in fines are 

enough to cause some 

remorse, no doubt. 

Late to bed, Late to rise 

Department: Stephen 

Hollingsworth of Los 

Angeles was late for his 

appearance in Superior 

Court, and showed up in a 

wrinkled suit and T-shirt. His 

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Notices 

ATTORNEY AT LAW CLARENCE W. 

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specialist. 

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necktie never made it to 

court at all. The judge he had 

kept waiting for over half an 

hour returned the favor, sentencing 

Mr. Hollingsworth to 

two days in jail. This was his 

sixth late offense. 

Hollingsworth did get out of 

his cell to represent his 

client in a murder trial, however. 

No word yet on how 

many packs of smokes he 

charged in legal fees. 

Not all tardy lawyers go 

gentle into that good night. 

Riverside, California Deputy 

District Attorney Phillip 

Greenberg was five minutes 

late for court last month, and 

fined one dollar for each late 

minute. Rather than pay the 

fine, Greenberg filed an 

appeal, complete with forty 

plus page brief. The cost to 

the taxpayers had to be in 

the thousands for his time. 

Sometimes it seems the tail 

wags the dog in California. 

Late flying Birds 

Department: Adam Reposa, 

criminal defense attorney 

from Austin, Texas, is 

appealing the 90 day jail sentence 

he recently received. 

Reposa found himself locked 

in a heated argument with 

the prosecutor during a hearing. 

Not an unusual position 

for a defense attorney, but 

Reposa was at a loss for 

words, it seems. So much so 

that he turned to gestures. 

Obscene gestures. And 

worse, he did so in front of 

the judge. 

Reposa’s bad manners 

didn’t end there. Callers to 

his law office inquiring about 

the matter were cursed over 

the phone line. Out of the 

ordinary for lawyer behavior, 

to be sure. Perhaps not 

unforeseen behavior, however, 

from a man who actually 

registered with the Texas 

State Bar as Adam 

“Bulletproof” Reposa. No 

word yet on whether he is 

taser proof, but I am guessing 

we will know soon. 

I confess, Gentle Reader, 

that I have been late to the 

courthouse more than once. I 

have argued with my adversaries, 

and perhaps used language 

not befitting a gentleman. 

Clearly, my house has 

too many windows for me to 

toss stones. But it is hard to 

watch friends scan the want 

ads when lawyers like these 

have jobs. 

© 2008 Under Analysis, 

LLC. Under Analysis is a 

nationally syndicated column 

of the Levison Group. Spencer 

Farris is a lawyer in St. Louis, 

Missouri. He occasionally 

makes obscene gestures while 

driving to court, especially 

when he is running late. 

Comments or criticisms about 

this column may be sent c/o this 

newspaper or directly to the 

Levison Group via email at 

comments@levisongroup.com. 

❖ 

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I can't believe I now eat 

good bacteria 

Is it not amazing how things 

we used to take for granted seem 

to change overnight? From the 

clothes we wear to the food we 

Read 

eat, nothing remains the same 

and some of the changes can 

really cause those of us of the 

alongside retired judge Sam Polk 

Raulston and one other attorney, 

but the former sadly passed away 

and the latter decided to practice 

elsewhere, leaving Greer to learn 

the ropes on his own. “It was a 

bit of a frightening experience, 

but I got through it,” he says, 

smiling and leaning his tall frame 

back into a chair opposite his 

desk. 

As time went on and partners 

came and went, Greer found 

himself doing more and more 

trial work, in both the civil and 

criminal arenas, until it comprised 

a majority of his time. 

Although he seems modest when 

speaking of his accomplishments, 

his record suggests otherwise. 

Not only has Greer prevailed on 

a number of cases where he’s 

defended people against serious 

charges, he’s even chalked up 

Read All About It ... 

By Pettus L. Read 

Tennessee Farm Bureau 

boomer generation a lot of 

thought time. Just the other day, 

I was eating a snack of yogurt - 

something I would have never 

thought of doing just a few years 

ago - and began thinking about 

how something that would have 

been a strange thing for me to do 

in the past has become something 

I do very often. 

I have to admit that when 

yogurt came on the dairy scene, I 

was not one of its fans. When 

they started using it to compete 

with my daily ice cream habit, I 

did not talk too pleasant about 

this bacteria laden product. 

Growing up, all I ever heard 

at home, school and from the 

local health department was that 

a good bacteria was a dead bacteria. 

The last thing you wanted to 

do was eat one. But, now we 

have learned that there are good 

bacteria and yogurt is supposed 

to contain some of the best kind 

acquittals in federal court, which 

is rare. In addition, he served as 

the president of the Tennessee 

Trial Lawyers Association (now 

called the Tennessee Association 

for Justice) for one year beginning 

in June 2006. But the 

achievements of which he seems 

the most pleased are his victories 

in civil cases where he’s helped 

people who have suffered injury 

or another major loss receive 

compensation. 

“I’ve got clients — a couple 

— that resolved their cases about 

25 years ago. I still see them frequently, 

and I know the settlement 

we achieved for them still 

continues to provide the support 

they need to get through life. It’s 

very gratifying,” says Greer. 

As a former athlete, Greer 

also enjoys the competitive 

aspects of being a trial attorney. 

of bacteria for the human body if 

you have to digest them into 

your diet. And, since one of the 

world's largest producers of 

yogurt is located right here in 

Tennessee, and me being a former 

dairy farm boy, I have to 

support the local products. 

Yoplait is processed at its 

plant in Murfreesboro, which is 

located only about 11 miles from 

my farm, and makes a good product 

that us boomers seem to need 

more of these days. 

Growing up in Rutherford 

County during the 50s and 60s, I 

remember that everyone I knew 

was involved in the dairy industry 

in one way or the other. You 

either owned dairy cows and sold 

milk or worked on a dairy farm 

milking cows. 

That is not the case today. 

In my home county of 

Rutherford, there is less than 15 

dairy farms, and that number is 

decreasing daily. In mid-May, 

there were fewer than 560 dairy 

farms in the whole state of 

Tennessee, compared to more 

than 900 at the same time just 

five years ago. Milk production 

in the state has dropped from an 

average of 2 billion pounds in 

Whether he’s matching his wits 

and skills against another 

lawyer’s or trying to marshal the 

facts of a case to fit his theory, 

Greer says being a trial attorney 

can be rewarding — especially 

when you win. “It’s tough when 

you lose, but I’ve always enjoyed 

competing, and a trial is among 

the keenest forms of competition 

there is. A lawyer is often the 

only person standing between a 

client and either financial chaos 

or loss of life or liberty, so there’s 

a lot at stake” he says. 

Being a trial lawyer can also 

place heavy demands on one’s 

schedule, something Greer 

knows well. “My wife says I work 

more now than 20 years ago, and 

that’s probably true. Part of it is 

the workload and part of it is I 

enjoy what I’m doing,” says 

Greer. 

2000 to a total state production 

of 1.1 billion pounds at the 

beginning of 2006. 

Numbers and production 

continue to decrease around the 

state, but those Tennessee dairy 

farmers who remain still produce 

perhaps the safest food product 

consumed in this country. From 

the 70,000 milk cows located in 

Tennessee, consumers receive a 

nutritious product containing 

nine essential vitamins and minerals, 

protein, calcium and vitamins 

A and D, as well as some 

real good yogurt. 

Seventy-one percent of our 

milk produced in this state is on 

family dairy farms that have less 

than 200 cows. The average milk 

cow will drink 12 gallons of 

water, eat 20 pounds of grain and 

feed plus 35 pounds of hay and 

silage, and chew her cud from 6 

to eight hours each day to produce 

those 6.1 gallons. The average 

cow produces 90 glasses of 

milk a day. She is doing her part 

to keep us healthy, but are we? 

Tennesseans' diets are lacking 

when it comes to good nutrition. 

We only get half the 

amount of fruit and milk we 

need to meet our daily require- 

A quick glace around 

Greer’s office doesn’t reveal 

many stacks of paper, but don’t 

let that fool you; his year as president 

of the TTLA put him 

behind on a lot of work on which 

he’s just now catching up. But 

you won’t hear him complain, as 

he speaks matter-of-factly about 

almost everything, including his 

18-year tenure on the board of 

education in Sequatchie County 

and his efforts in real estate 

development, which he describes 

as “something of a hobby.” 

The only time Greer softens 

his professional guise is when he 

speaks of his family, a fact that 

would no doubt make his wife of 

39 years smile. In fact, there are 

no brief conversations about 

Greer’s relatives, which include 

two brothers, both of whom are 

doctors; three kids and their 

ments, says the U.S. Department 

of Agriculture. By getting three 

servings of dairy products a day, 

we can help boost our nutritional 

needs. 

June marks a month-long 

salute that began in 1937, and 

has grown into an annual tradition. 

June is National Dairy 

Month and has been a major celebration 

within the Volunteer 

State for many years. The dairy 

industry has generated billions of 

dollars over the years to our 

economy and continues to do so 

today. 

This month, let's honor the 

contributions of our dairy farmers, 

who look after our good 

health, as well as work 24/7/365 

to provide us consumers with 

fresh, wholesome dairy products. 

To celebrate the occasion, have 

a container of yogurt. It's high in 

calcium, which us boomers need, 

and it has that good bacterium 

in it too! 

I still can't believe I'm pushing 

bacteria. 

Pettus L. Read is director of 

communications for the Tennessee 

Farm Bureau Federation. He may 

be contacted by e-mail at 

pread@tfbf.com ❖ 

Greer Continued from page 1 

Case Digests 

TENNESSEE COURT OF APPEALS SYLLABUS 

Philip Q. Smith, M.D. vs. 

Moquey Kseal Marquross 

Hamilton County - This 

action arose out of plaintiff’s 

purchase of an aircraft from 

defendant on Ebay. The Trial 

Court ruled that defendant 

denied plaintiff his right to 

inspect the goods pursuant to 

Tenn. Code Ann. §47-2-513, 

and plaintiff was not required to 

purchase the aircraft. On appeal, 

we affirm the Judgment of the 

Trial Court. 

Kathy Huber, et al vs. 

Douglas Marlow, et al 

Knox County - In this interlocutory 

appeal of a medical malpractice 

case, the issue presented 

is whether the trial court erred in 

granting partial summary judgment 

to the employer because it 

could not be held vicariously 

liable for the actions of its nonparty 

employee when the statute 

of repose had run as to the nonparty 

employee before the plaintiffs 

amended their complaint to 

include allegations based on the 

nonparty employee’s actions. We 

hold that because the statute of 

repose extinguished the plaintiffs’ 

cause of action against the 

nonparty employee, the employer 

cannot be held liable for alle- 

gations of medical negligence 

based solely on the actions of the 

nonparty employee. The trial 

court’s partial summary judgment 

is affirmed. 

David Goff, et ux, et al. v. 

Elmo Greer & Sons Construction 

Co., Inc. 

White County - This appeal 

involves a jury’s award of punitive 

damages. The construction 

company entered into a contract 

with the State of Tennessee to 

widen a portion of a highway. 

The homeowners entered into a 

contract with the construction 

company allowing the construction 

company to place excess 

materials generated from the 

highway project on the homeowners’ 

property. In exchange, 

the homeowners would receive 

compensation based on the 

cubic fill area, and the company 

would fill and grade that portion 

of the homeowners’ property. 

The project required that the 

construction company conduct 

extensive blasting near the 

homeowners’ house and vehicles. 

One of the homeowners 

became concerned when he witnessed 

the construction company 

placing various garbage items 

and tires on his property near the 

fill area. After three years, the 

construction company finished 

the project. The homeowners 

brought suit, alleging that the 

company failed to pay the 

amount due under the contract 

and caused damage to their 

house due to the blasting. The 

complaint also alleged that the 

company buried certain items, 

including tires, on the property 

which constituted an environmental 

tort. The homeowners’ 

amended complaint stated a 

cause of action in nuisance and 

also sought an award of punitive 

damages in the amount of $1 

million dollars. The jury 

returned a verdict in favor of the 

homeowners for the nuisance 

claim in the amount of 

$3,305.00 and found that punitive 

damages should be imposed 

on the construction company. 

The jury found in favor of the 

construction company for the 

environmental tort claim. After 

the second phase of the trial, the 

jury returned an award of $2 million 

in punitive damages. The 

trial court remitted the award to 

$1 million, the amount of the 

homeowners’ ad damnum. The 

construction company appeals, 

and we reverse and remand in 

part and affirm in part. 

Brim Holding Company, Inc. 

v. Province Healthcare Company 

Davidson County - The 

issue on appeal in this contract 

dispute is whether the defendant 

breached its indemnification 

obligations under the terms of a 

stock purchase agreement. The 

trial court found that the plaintiff 

was entitled to be reimbursed 

for payment of a claim specifically 

identified under the indemnification 

provisions of a stock 

purchase agreement. 

Significantly, the trial court 

found that the indemnity provisions 

in the stock purchase 

agreement anticipate the specific 

loss and assure that it will be 

paid by the defendant. The 

defendant contends that the 

plaintiff has already received 

reimbursement for that payment 

through the post-closing working 

capital adjustment and the 

plaintiff, therefore, is not entitled 

to reimbursement under the 

indemnification provisions. 

Finding no error, we affirm. 

Sherrie Engler, et al. v. 

Karnes Legal Services 

Madison County - This 

appeal involves the Tennessee 

saving statute, Tenn. Code Ann. 

spouses, most of whom are either 

lawyers or teachers; a gaggle of 

grandkids; and his dad, Thomas 

Greer, Jr., now an 85-year-old 

retired circuit court judge, practicing 

across the hall. With offspring 

scattered as far as 

Memphis and North Carolina, 

it’s a good thing Greer and his 

wife enjoy traveling and spending 

time with family. 

When you look back across 

an attorney’s life, it’s not the 

number of cases he won or the 

amount of wall space he covered 

with accolades that will matter, 

but the lives he touched along 

the way. And although Greer 

will brush aside any such suggestions, 

it’s clear he’s done the best 

he could at his chosen career, as 

his father advised, and that the 

lives of other people are better 

for it. ❖ 

§ 28-1-105. The plaintiffs’ lawsuit 

was dismissed without prejudice 

for failure to prosecute 

when their attorney failed to 

appear at a hearing. Three 

months after the dismissal, the 

plaintiffs’ attorney filed a motion 

seeking relief from the order of 

dismissal, citing the saving 

statute, along with an amended 

complaint. The trial court considered 

the motion under Rule 

60 but did not address the applicability 

of the saving statute. 

The court refused to set aside the 

order of dismissal upon finding 

that the attorney’s failure to 

attend the hearing did not constitute 

excusable neglect. The 

plaintiffs appeal. We reverse and 

remand for further proceedings. 

Jay S. Gorban v. David 

Harris 

Montgomery County - This 

is a dispute between a homeowner 

and the contractor he hired to 

build a sunroom onto his home. 

We have concluded that the evidence 

does not preponderate 

against the trial court’s award of 

a judgment in favor of the homeowner 

for 60 percent of the 

requested damages, based upon 

its allocation of 40 percent of the 

fault to the homeowner. ❖


Investment Ideas 

It’s no surprise that a turbulent 

stock market is making some 

investors in employer-sponsored 

401(k) retirement plans wary of 

putting any more money into 

these plans. But a volatile stock 

market doesn’t mean you should 

stop or cut back on contributions 

to your 401(k). 

In fact, you 

should do just the 

opposite. If you’ve 

reached the maximum 

annual contribution 

this year to 

your 401(k) and still 

have money left over 

to invest, then you 

may want to consider 

a Roth or traditional 

IRA. If you need liquidity, 

you might want to fund investments 

outside of your retirement 

accounts. 

Most 401(k) investors 

should plow as much money as 

they can into these plans in order 

to benefit from their employer’s 

matching contribution and tax 

deferred growth, and also to take 

advantage of a simple strategy 

called dollar-cost averaging. 

By continuing to invest a 

fixed dollar amount each month 

into your 401(k)’s stock portfolio, 

you’re able to buy more shares 

when prices are low and fewer 

shares when prices rise. Add that 

to your employer’s matching contribution 

and tax-deferred compounding, 

and you’re poised to 

see the value of your plan go up 

when the market rebounds. Keep 

in mind that dollar-cost averaging 

does not guarantee profit or protect 

against loss and you should 

consider your financial ability to 

continue purchases at low levels. 

If you’re worried about 

your declining 401(k) balance, 

you may want to look at some of 

these options: 

Diversify into bonds. If 

you’re 100 percent invested in 

stocks and are uncomfortable 

with the volatility, shift more of 

your 401(k) assets into fixedincome 

investments such as 

bonds, which may offer your portfolio 

more stability and income to 

fund your golden years. However, 

avoid wholesale switches back 

and forth, and it’s a good rule of 

thumb to consider having at least 

25 percent of your portfolio in 

stocks throughout your retirement 

to keep ahead of inflation 

and keep your retirement income 

growing. 

Retire later. Delaying your 

with Nick Wilkinson 

Nervous 401(k) investors 

shouldn’t bail out 

Nick Wilkinson 

A FULL RANGE OF RESOURCES 

TO SUPPORT YOU ON YOUR 

FINANCIAL JOURNEY 

retirement one or two years can 

have a dramatic effect on the 

value of your retirement portfolio. 

For example, if you’re 40 years old 

and plan to retire at age 55 with a 

portfolio currently valued at 

$300,000 earning 8 percent 

annually, you would run out of 

money at age 73 if you withdrew 

$100,000 in income 

each year beginning at 

age 55. However, 

assuming the same 

numbers, by postponing 

your retirement only 

two more years to age 

57, that same portfolio 

could last until age 85, 

about 12 years longer. 

Work part time. 

More retirees are finding that the 

good life doesn’t always mean 

relaxing poolside. Many become 

bored and start second careers or 

work part time for some extra 

cash. By working part time you 

can decrease the amount of 

income you draw from your 

investment assets such as your 

401(k). This can greatly extend 

the life of your 401(k) assets and 

provide a potentially higher 

income in your later years. 

Reduce debt. Paying off 

high-interest credit card debt and 

other loans can put more money 

into your pocket each month that 

can reduce the amount of income 

you need to tap from your 401(k) 

or buy more time for your portfolio 

to grow. Because many mortgage 

balances are higher on average 

than they were a decade ago, 

that means refinancing your 

mortgage may save you a significant 

amount each month even if 

mortgage interest rates drop only 

one to 1.5 percent. 

Please note that the examples 

above are for illustrative purposes 

only and do not reflect the 

performance of any particular 

investment. Your financial advisor 

can help you create a plan to 

suit your individual needs and can 

help discuss other alternatives to 

help you better plan for retirement. 

This article was provided by 

Nick Wilkinson, Wachovia 

Securities, LLC., Inc., Member 

NYSE/SIPC, a registered brokerdealer 

and a separate nonbank affiliate 

of Wachovia Corporation. Nick 

can be reached at (423)-265-4228 

and at the address 820 Broad Street, 

Suite 100, Chattanooga, TN, 

37402. E-mail: Nicholas.wilkinson@wachoviasec.com 

Nick Wilkinson 

820 Broad St., Suite 100 

Chattanooga, TN 37402 

423-265-4228 

nicholas.wilkinson@wachoviasec.com 

FROM THE FBI 

It was a horrible case. In 

the summer of 1955, 14-yearold 

African-American Emmett 

Till had gone on vacation from 

Chicago to visit family in 

Money, Mississippi. He was 

shopping at a store owned by 

Roy and Carolyn Bryant—and 

someone said he whistled at 

Mrs. Bryant, a white woman. 

At some point around 

August 28, he was kidnapped, 

beaten, shot in the head, had a 

large metal fan tied to his neck 

with barbed wire and was 

thrown into the Tallahatchie 

River. His body was soon 

recovered, and an investigation 

was opened. 

It took fewer than four 

weeks for the case to go to trial. 

Roy Bryant and his half-brother, 

J.W. Milam, were accused of 

the murder, and an all white, 

all male jury acquitted both of 

them. No one else was ever 

The Daily Record Newswire 

Arena parking lot case settles 

for $100K 

A pedestrian struck outside a 

Kansas City sports arena has 

reached a $100,000 settlement in 

his Jackson County personal 

injury case against the driver who 

hit him. 

Frank Vigliaturo, 51, was 

leaving a WWF wrestling event 

with his nephew Feb. 20, 2001, at 

Kemper Arena. As Vigliaturo 

attempted to cross the street to 

reach an outlying parking lot, he 

was struck by a car driven by 

Dante Passantino, 25, who did 

not stop and left the scene, plaintiff 

said. 

Vigliaturo rolled off the hood 

of Passantino’s car and landed on 

the street. Vigliaturo’s 14-year-old 

nephew ran after the car and 

obtained the license number. 

As a result of the collision, 

Vigliaturo suffered an occult fracture 

of his left leg and some abrasions 

to his head and hands. He 

claimed he later developed 

chronic pain syndrome and posttraumatic 

stress disorder. 

Vigliaturo contended 

Passantino was driving too fast for 

the conditions and failed to keep 

a careful lookout for pedestrians. 

He further claimed Passantino 

was drunk at the time of the collision. 

He argued Passantino’s 

intoxication was the reason 

Passantino did not stop and wait 

for a police officer, as required by 

a Kansas City ordinance. 

Passantino countered he was 

driving no more than 5 to 10 mph 

when Vigliaturo jumped onto the 

hood of his car, rolled off and 

then ran into the dispersing 

crowd without identifying himself. 

Alternatively, Passantino 

argued that Vigliaturo was at fault 

for causing his own injuries by 

jumping onto a moving vehicle 

and failing to keep a careful lookout 

when crossing the street. 

After a court-ordered mediation, 

Passantino’s carrier, Farmer’s 

Insurance, paid his $100,000 policy 

limits. 

Dennis Davidson, Kansas 

City attorney for the defense, did 

not respond to requests for comment. 

indicted or prosecuted for 

involvement in the kidnapping 

or murder. Bryant and Milam, 

though, later confessed and 

told a magazine journalist all 

the grisly details of their crime. 

They are both, now, long 

deceased. 

Emmett Till’s murder has 

never been forgotten or forgiven. 

Now, renewed focus on that 

historic case has suggested that 

others might have been 

involved—and while the 5year 

statute of limitations has 

expired for federal prosecution, 

prosecution by Mississippi officials 

remains possible. 

We are seeking information 

on this case. “If anyone 

responsible for the murder of 

Emmett Till is identified and 

brought to trial, it will be 

through information held by 

someone who lived or still lives 

in the area sounding Money, 

Type of action: car-pedestrian 

collision 

Court: Jackson County 

Circuit Court 

Case number: 0616- 

CV05331 

Judge: Jay Daugherty 

Verdict or settlement: 

$100,000 settlement 

Mediator: William Sanders 

Jr. 

Special damages: $30,000 

medical expenses 

Insurance carrier: Farmer’s 

Insurance 

Caption: Frank Vigliaturo v. 

Dante Passantino 

Plaintiff’s attorneys: R. Brent 

Hankins, Kansas City 

Defendant’s attorneys: 

Dennis Davidson, Kansas City 

Coverage at issue in crash of 

Medicare van 

Thelma Hargrove, a 65-yearold 

woman who had had both 

legs amputated above the knee 

because of diabetes, suffered multiple 

fractures to her right shoulder 

and arm, among other 

injuries, in a traffic accident in 

Halifax County in December 

2004 on U.S. 360 near Clover. 

She was airlifted to Roanoke 

Memorial Hospital, where plates 

and a rod were implanted in her 

arm and shoulder. She also had a 

skin graft over her biceps. An 

orthopedist concluded that she 

had a 75 percent permanent disability 

in her right shoulder and 

arm. 

Hargrove was the front-seat 

passenger in a minivan driven by 

her husband, who worked for the 

sole proprietor of a Medicaid 

transport business. Her husband 

drove the van into the rear of a 

slow-moving highway work truck, 

and there was no dispute that he 

was at fault in the wreck and that 

it occurred in the course of his 

employment. Although she was 

disabled at the time, Hargrove 

was not a client of the employer. 

Much of the litigation 

focused on the availability of 

insurance coverage. GEICO 

insured the van under a family 

automobile policy, but it won a 

declaratory judgment action 

because the policy excluded 

transporting people for hire. 

The employer also had from 

National Casualty Company the 

Mississippi, or from something 

they were told by an elderly 

relative who lived in the area,” 

says Bill Jenkins, in charge of 

the FBI’s Jackson Office. “We 

are dedicated to the identification 

and prosecution of any 

participant in this heinous 

crime.” 

If you have any knowledge 

of the events surrounding the 

murder of Emmett Till, please 

call the FBI’s Jackson office at 

601-948-5000. It is never too 

late for justice to be served, 

never too late to bring closure 

to Emmett Till’s family. 

This renewed investigation 

is a cooperative venture 

between Mississippi District 

Attorney Joyce Chiles, U.S. 

Attorney Jim Greenlee, federal 

attorneys, FBI Special Agents 

and local law enforcement. 

(reprinted with permission 

www.fbi.gov) ❖ 

Case Digests 

VERDICTS AND SETTLEMENTS 

coverage required by § 46.2-2053 

of the Virginia Motor Vehicle 

Carrier Act. 

The law requires total coverage 

of $350,000 for vehicles that 

carry fewer than seven people and 

$1.5 million for vehicles with a 

capacity of seven to 15 people. 

National Casualty contended 

that it was liable for only 

$350,000 because the van carried 

less than seven people, but the 

trial judge disagreed and ruled 

that it was liable for the larger 

amount. 

The judge agreed with 

National Casualty’s argument 

that it had no duty to defend the 

driver and the employer because 

they had primary liability for any 

damages. Even though it was 

liable for paying the judgment 

and the two defendants had no 

assets, the insurer chose not to 

provide a defense for them and 

they were unrepresented at trial. 

The jury deliberated 35 minutes 

before returning a verdict of 

$975,000 plus prejudgment interest 

Two other passengers in the 

van were killed, and the judgments 

for the three plaintiffs was 

larger than the total coverage, 

which required a pro rata reduction 

of those judgments. 

Type of action: Personal 

injury, traffic accident 

Injuries: Fractured shoulder 

and arm 

Name of case: Thelma 

Hargrove v. Earl Hargrove and 

Edward Jennings Jr. 

Court: Halifax County 

Circuit Court 

Case no.: CL06-448 

Judge: William L. Wellons 

Verdict or settlement: 

Verdict 

Specials: $192,718.46 in 

medicals 

Amount: $950,000 plus prejudgment 

interest for a total of 

$1,136,235.61 

Insurer: National Casualty 

Company 

Experts: Thomas Shuler 

M.D., William C. McCarty III 

M.D., Timothy Henshaw M.D.; 

Charlene Cole R.N. 

Plaintiff’s attorneys: Mark R. 

Skolrood and Richard F. Popp, 

Roanoke ❖


Diversions 

“He enjoys that perfect peace, 

that peace beyond all understanding, 

which comes at its maximum only to 

the man who has given up golf.” – 

P.G.Wodehouse 

I was attending a party the 

other night and Judge Tim Fox 

pointed out that I haven’t written a 

golf column in awhile. Even though 

he feigned sarcasm, I could see in 

his eyes he was really concerned. 

I told him I had basically 

“given up the game,” four words 

that are probably as much a part of 

the game of golf as the dimpled ball 

itself. 

As soon as the words left my 

mouth, two attorneys and another 

judge, with whom I had been know 

to compete for and against on the 

links over the years, expressed their 

disbelief and disapproval with a 

cacophony of catcalls and sneers. 

Whatever. 

Across 

1 “Save the __ dance for me” 

5 Boxing punch 

8 Thick-soled dance shoe 

12 Immunization letters 

15 St. Valentine’s Day Massacre 

organizer 

17 Actor Neeson 

18 Ginger __ 

19 Does without creature comforts 

20 *The Natural State 

22 *After “The,” with 73-Across, 

novel by 2008 inductee 

23 “I can’t carry a __ in a bucket” 

25 Biblical measure, as for the ark 

26 What une plume writes on 

28 “__ Lisa” 

29 Genetic building block 

32 *Spa City native inducted in 

2008 

37 Move backward 

39 “Old King __” 

40 When doubled, a dangerous fly 

41 Magic phrase beginning 

42 Stir-fry veggie 

45 *After 20-Across, group into 

which some get inducted 

52 “Look!” 

53 Really dry 

54 Gas station product 

57 Campsite hookup user 

58 Be brilliant 

61 *With 77-Across, memoir by 

2008 inductee 

65 Arlo, to Woody 

66 Sea near the Caspian 

67 __ the wind (run quickly) 

69 Mozart movement 

71 Certain frat bros. 

73 *”Mountain __” (1964 Johnny 

Rivers hit) 

77 *65-Across’s opposite 

79 Jane Eyre and V.I. Warshawski, 

e.g. 

81 Mel in Cooperstown 

82 __ and potatoes 

83 Go to __ (be immoderate) 

84 Orig. texts 

85 “At __” (military command) 

86 Rock musicís __ Speedwagon 

87 Ancient stringed instrument 

Down 

1 1968 British comedy “Only 

When I __” 

2 Moises, Felipe, Manny or Jesus 

3 Rabbit’s tail 

4 Try to advance a base 

Are we there yet? 

I swear to tell the 

truth 

By Jay Edwards 

Anyway, apparently His 

Honor Fox, while he doesn’t play 

the bloody game, loves to read 

about it. It is his secret passion. 

Therefore Judge Fox, even 

though I am not a lawyer, I still fear 

and respect the black robes of justice, 

and am thus compelled to submit 

the following script as truth and 

evidence of my final farewell to that 

game that I once loved passionately, 

but do so, thankfully, no more. 

There is a new book out by 

Carl Hiassen called “The Downhill 

Lie: A Hacker’s Return to a 

Ruinous Sport.” I haven’t read it yet 

but the reviews it’s receiving are 

pretty good. It’s supposedly about a 

man who gave up the game of golf 

in 1973, when “Richard Nixon was 

hunkered down like a meth-crazed 

badger in the White House, Hank 

Aaron was one dinger shy of Babe 

Ruth’s all-time home run record, 

I Swear Crossword 

5 Heller and Pulitzer 

6 Singer DiFranco 

7 “The __ to see you ...” 

8 Scottish group 

9 Trevi fountain cash 

10 Acorn product 

11 Auto-financing org. 

12 1981 German-language film set 

on a sub 

13 Grievances 

14 Having a will 

16 Group of words 

21 Asleep, as a foot 

24 www.amazon.com, e.g. 

27 “__ for Innocent” (Grafton 

novel) 

29 “This is where I __ the line” 

30 Omaha’s st. 

31 Business intro? 

33 Mademoiselle’s school 

34 Holler 

35 Dog food brand 

36. Steak or ground round 

38. “Fudge!” 

42. Colonel Potter, familiarly 

43. GRF’s veep 

44. From __ (at a distance) 

46. Tulip chair designer Saarinen 

47. Big name in sunglasses 

48. Chiang Kai-__ 

49. Places where Torah scrolls are 

kept 

and The Who had just released 

Quadrophenia.” 

Now, some 32 years later, the 

said hacker asks himself why he is 

being drawn back to man’s most difficult 

pastime, to the “game at 

which he’d never excelled in his 

prime, and which in fact had dealt 

him mostly failure, angst and exasperation?” 

His answer to that question is 

that he is “one sick” you know 

what. 

Golf’s a hard game to figure. One 

day you’ll go out and slice it and shank 

it, hit into all the traps and miss every 

green. Then the next day you go out 

again, and for some strange 

reason…you really stink. – 

Anonymous 

Hey, nothing lasts forever 

right? I mean it was a pretty good 

run I had, beginning my aggravating 

quest for perfection and joy over 

40 years ago. Now it’s time to hang 

up my spikes (OK, there aren’t 

spikes anymore). 

Over the years I’ve played on 

beautiful courses from Seattle to 

Hilton Head. 

I’ve made lasting friendships 

but developed a chronic backache. 

I’ve shot rounds over a hundred 

and others under par. (Okay 

twice, but still, do you know how 

Hot Springs native gets hers! by Victor Fleming 

1 2 3 4 5 6 7 8 9 10 11 12 13 14 

15 16 17 18 

19 20 21 

22 23 24 25 

26 27 28 

29 30 31 32 33 34 35 36 

37 38 39 40 

41 42 43 44 

45 46 47 48 49 50 51 

52 53 

54 55 56 57 58 59 60 

61 62 63 64 65 

66 67 68 

69 70 71 72 73 74 75 76 

77 78 79 80 

81 82 83 

84 85 86 87 

Victor Fleming’s puzzles have appeared in many publications, 

including the New York Times and Games Magazine. 

50. Venus de __ 

51. Garden of __ (Genesis setting) 

54. Performer’s goal, perhaps 

55. Narrow passageways 

56. Bar nibbles 

58. Salt, on the Seine 

59. Preceding 

60. Request 

62. Brief skyline unit 

63. Application form info 

64. Like some Jewish delis 

68. 46-Down’s dad 

70. Words of woe 

71. The Red and the Black 

72. Jokester Johnson of “Laugh-In” 

74. “Tears __ Pillow” 

75. Suddenly change course 

76. Being, to Ovid 

78. Mad Hatter’s quaff 

80. File extension for installer programs 

Last week’s solution 

G I F T I B A R A C C O S T 

A R E A R O L E C H A N C E 

Y O U R E A H A M T O R S O S 

E N D V I E D C A E N S 

H E S M Y C U P O F T E A 

R E F E R E E A S A L E 

I C E R A F T R A S T U 

T H E B R E A K F A S T C L U B 

A O L E E R I E A O N E 

S W E A R M E I S T E R 

T H E Y R E B A D E G G S 

R O S S I A T E E B U S 

I N T O T O S H E S T O A S T 

B E E P E D A L O T R H E A 

E D E S S A S S R S B A R N 

difficult that is?) 

I’ve hit massive drives and 

topped tee shots that rolled 20 

yards. 

I’ve cared for my clubs like 

they were the Holy Grail and I’ve 

broken a driver on the hardpan in 

east Texas (as our new favorite 

philosopher would say, “I beat that 

ground like it owed me money.”). 

I’ve holed out from 100-yards 

and 4-putted from 5 feet. 

I’ve felt invincible and desperate, 

often on the same day. 

So now, Your Honor, I’m giving 

it all up. Who can blame me? 

But golf has a siren’s call. And 

perhaps, 32 years from now, when 

I’m 83, if I’m still around, maybe I’ll 

get one of my grandkids to come by 

the house (or nursing home), and 

climb the stairs into the dusty old 

attic, and look behind the 

Christmas tree. 

There he should find some old 

Taylor Made Burner Irons (circa 

1998) with the rifle shafts, a Taylor 

360 10.5 degree stiff shaft driver, 

It is always good to hear 

from readers. Especially those 

from who’ve I’ve heard before. 

The columns about Evan 

Esar brought a few comments 

from folks who knew the name 

from crossword puzzles. And one 

from someone to whom the name 

had a different significance. 

Professor Emeritus Arthur 

Murphey, who taught me both 

contracts and property law at the 

University of Arkansas at Little 

Rock School of Law in the late 

‘70s, called to say that the name 

of Evan Esar is etched into his 

memory as of April 12, 1945. He 

went on to say that he recalled 

seeing Esar’s syndicated column 

“Wit and Wisdom,” though he 

did not recall specifically where 

or during what years. 

Prof. Murphey recalls 

receiving a package, via the U.S. 

mail, on April 12 in the year 

that, months later, would mark 

the end of World War II. 

Unwrapping it, he saw that it was 

a book he had ordered some 

weeks earlier, “Esar’s Comic 

Dictionary.” 

This “Comic Dictionary” 

would have been compiled when 

Esar was in his early 40s. A three 

and a half-page foreword by the 

author himself reads as though he 

may have been a professorial sort. 

Consider this: 

“The wit and humor which 

constitute the contents of this 

dictionary are of popular origin 

and therefore unattributed. They 

stem, in the main, not from professional 

humorists or celebrated 

wits, but rather from the world of 

anonymity, from unknown persons 

in all walks of life and 

departments of activity. … 

“It is axiomatic that the wit 

and humor of a nation is an 

unerring index of its spirit and 

civilization. Because this work is 

more comprehensive in subject 

coverage than other books of 

humor, and because its contents 

are the briefer, more satiric types 

of wit, it furnishes an unusually 

the Kennex 3-wood (the brother of 

that broken driver buried somewhere 

in east Texas) and even the 

52-inch (yipless) putter. 

He’ll yell down to me that he 

found them and I’ll say, “Good 

boy,” as he slowly climbs down the 

stairs with the old black bag slung 

over his strong young shoulder. 

Then maybe I’ll ask my grandson 

if he wants to come along as I 

load up the clubs into the car no 

one wants me driving anymore. But 

he declines, which would be for the 

best really, because when you are 

revisiting an old flame for the first 

time in 32 years, you really should 

have some privacy. 

Then I pull slowly out of the 

driveway, looking back once to see 

Kathy standing in the doorway, 

shaking her still-pretty head as I 

pull out onto the street, in my 

search once again for the smell of 

freshly cut grass and that hard to 

find trio of rhythm, tempo and timing. 

❖ 

I Swear... 

More on Esar 

By Vic Fleming 

clear mirror of contemporary 

manners and morals. Excluding 

its verbalisms and wordplay, 

which have no sub-surface connotation, 

this dictionary is a genuine 

vox populi.” 

Some of the entries in this 

“comictionary” include: 

Honor system. An educational 

plan in which the teacher has the 

honor and the students have the system. 

Labor. It’s always within striking 

distance of capital. 

Knowledge. Knowledge is 

power, if you know it about the right 

person. 

Poise. One woman’s poise is 

another woman’s poison. 

Relatives. 1. Inherited critics. 

2. What the rich never lack. 

Repeal. Husbands lay down 

the law but wives usually repeal it. 

Shirker. A person who is clockeyed. 

Start. The trouble with many 

people is that they take so long to 

start to begin to get ready to commence. 

In portions of the foreword 

that I did not allude to, the 

author explains his methods of 

defining some terms, using exemplary 

sentences with some and 

offering cross-references on 

some. It’s more than a bit complex. 

But back to Professor 

Murphey. 

As he tells it, “after opening 

the package, I was walking along 

the street reading the book when 

I heard a radio playing quite 

loudly from my neighbor’s house. 

I walked up the sidewalk to listen 

more closely and heard that 

President Roosevelt had just 

died.” 

I forgot to ask Art Murphey 

whether Esar’s book was perceived, 

by him and those in his 

circles, as truly funny, witty 

and/or useful. Perhaps it is 

enough that his primary association 

to Evan Esar is the death of 

a great president. 

© 2008 Vic Fleming ❖


One of the things I miss 

about living back home is 

spending time with my girlfriends. 

I have spent the past 

two years trying to coax them 

into making trips to this beautiful 

city. I’ve been graced by 

their presence on a few rare 

occasions, but not nearly as 

often as I’d like. I realized a few 

months ago that if I wanted to 

see them, I’d have to take it 

upon myself to organize an outing. 

So I mailed out invitations, 

coupons and directions 

in March, inviting my closest 

friends and their kids to meet 

up with Leucas and me at what 

I considered to be the halfway 

point between us and them – 

the Knoxville Zoo. I invited 

girls that have all been my best 

friends at one time or another, 

each of whom I love like sisters 

but don’t get to talk to as often 

as I should. 

I haven’t been to the 

Knoxville Zoo since I was in 

the 8th grade. Back then, my 

best friend was Yvonne 

Hamilton. We were in the 

same group on that field trip. 

She and I had been best friends 

since kindergarten (and still 

are, for the record) and I’m 

proud to say that she was one 

of the two ladies who actually 

showed up. She brought her 

son, Donavan (who calls me 

“Aunt Sam”), his two cousins, 

her friend Jess, Jess’s two kids 

and Jess’s two off-duty babysitters. 

My other friend, Amanda 

Silk, lived right down the road 

from me my whole college 

career. We spent some of the 

best years of our lives together, 

celebrating birthdays (hers is 

the day before mine), being 

young and crazy. She moved 

home to Jefferson City when 

she became pregnant with her 

son, Daley, four years ago. 

The original itinerary I 

mailed to the girls said our 

reunion would start at noon. 

As I should have predicted, 

each of us got off to a late start. 

I hit the road at 11:30, still 

needing to stop by McDonald’s 

for lunch. By the time I 

reached Cleveland, Yvonne 

sent me a text saying she had 

just left Greeneville. When I 

arrived in Knox County, 

Amanda called to say she was 

leaving her house in Jefferson 

City. Call it a miracle or fate or 

sheer coincidence, but we all 

arrived together. We were 

extremely behind schedule, but 

we were all right on time. 

That’s what I love about my 

girlfriends. We may not be perfect, 

but we’re perfect for each 

other. 

When Yvonne and 

Amanda walked through the 

gates, it seemed as though no 

time had passed since I last saw 

them. After about 20 minutes 

of hugs, sunscreen, bathroom 

breaks and introductions, we 

set out on our adventure. The 

nine kids (yes, nine – we’re 

crazy) meshed together better 

than any of us could have 

expected. They stair-stepped in 

ages, from 14 months to 17 

years, and we somehow just 

picked right up and headed off 

in the right direction. No argu- 

In short, a perfect day 

By Dave Barry 

Tribune Media Services 

Father’s Day is coming, 

and millions of children and/or 

wives are thinking: “This year, 

I think I’ll get dad a nice casu- 

Barry 

al shirt.” 

Fine. Go ahead. Although 

you might want to ask yourself 

a couple of questions first, such 

as: Does dad WANT another 

nice casual shirt? Have you 

noticed that dad currently 

OWNS approximately 73 nice 

casual shirts, and he wears only 

two of them? And that he 

Weekly 

Indulgence 

By Samara Litvack 

wears one of those two only 

when the other one is really 

dirty? Do you honestly believe 

that dad is thinking: “Boy, I 

wish I had ANOTHER shirt, 

so I could not wear it!”? Of 

course not. dad is thinking. . . 

. . . OK, never mind what 

dad is thinking. Nobody ever 

really knows what dad is thinking, 

including, much of the 

time, dad. But trust me, he 

does not want a shirt. 

“But,” you say, “when I 

gave him a shirt last year, he 

appeared to like it!” 

Of course he did. Like all 

fathers, he has learned to simulate 

sincere appreciation for 

gifts that he has absolutely no 

use for. That’s why dad always 

responded so positively back 

when you used to give him— 

and I hope you no longer do 

this, although I understand it 

still happens, even in 21st 

Century America—a tie. 

“Wow!” Dad would go. “A 

piece of cloth to knot tightly 

around my neck, strikingly 

similar to the numerous other 

pieces of neck cloth wadded 

together in the back of my 

closet!” 

In my entire life, I have 

met two men who were genuinely 

interested in ties. Both 

Diversions 

ments, meltdowns or major 

crises. 

The grownups were just as 

excited as the kids when we 

saw the pandas, the rhinos and 

the reptiles. We let them ride 

the carousel and rested in the 

shade as they played for an 

hour at the Kid’s Cove, climb- 

ing and sliding and splashing 

in the water. 

After we passed out snacks 

from our bags and filled up our 

water bottles (we’re a frugal 

bunch), we headed to the 

other end of the zoo to see the 

big animals. The kids were 

amazed by the size of the elephants. 

We saw the meerkats 

(just like the ones on “Meerkat 

Manor”) and camels (which 

they all wanted to ride, but 

of these men were in the tie 

industry. 

Dads are so good at feigning 

appreciation that they 

even were able, years ago, to 

pretend they were happy to 

receive cologne. This was back 

in the dark days of colognegiving, 

which mercifully came 

to an end after the horrible 

1986 tragedy in Cincinnati 

wherein a 72-year-old man’s 

house collapsed under the 

weight of the estimated 2,000 

unopened bottles of Old Spice 

that he had stored in his attic. 

“OK,” you are saying, 

“then what SHOULD I get for 

dad? If I ask him what he 

wants, he always says, ‘Oh, 

nothing.’ “ 

That’s because he knows 

that if he told you what he 

really wants, you wouldn’t give 

it to him. For example, let’s 

consider the area of clothing. 

The nicest Father’s Day surprise 

of all for dad would be if 

you handed him a box, and he 

unwrapped it, and there, 

inside, sitting on a bed of folded 

tissue, was the pair of his 

undershorts that somebody 

threw away six months ago 

(without asking dad) because 

they had reached the stage 

where they were three percent 

they settled for feeding and 

petting). 

We crept through the 

African Jungle to see the lions 

and monkeys and leopards, 

spending extra time trying to 

catch an up-close look at the 

white tiger. On our second 

round through, we finally saw 

the giraffes. I know what you’re 

thinking: How did we miss the 

giraffes? Well, I don’t know 

either. Somehow we missed the 

20-foot tall barn in the center 

of that exhibit. Next time, 

we’ll know what to look for. 

Before we knew it, it was 

6:15 and the zoo had already 

closed, so we made our way 

back toward the gate. We were 

nearly the last people to leave 

and we could have spent four 

undershorts and 97 percent 

holes. Dad misses those undershorts. 

They were his Faithful 

Undershorts Companion. 

But of course now they are 

in a landfill somewhere, along 

with dad’s Led Zeppelin t-shirt, 

which dad bought and wore at 

a 1972 concert during which 

he stood on his seat and sang 

“Whole Lotta Love.” (Yes! 

Dad did this!) Somebody 

threw the shirt away two years 

ago (without asking dad) 

because it had a bunch of 

stains, which happened to 

have great sentimental value 

to dad, because . . . 

. . . OK, never mind about 

the stains. The point is that 

you cannot give dad these 

things for Father’s Day. But 

you know what you CAN give 

him? You can give him what he 

always tells you he wants: 

Nothing. I mean it. For dad, 

the perfect Father’s Day would 

be one in which he didn’t even 

realize that it WAS Father’s 

Day, because nobody was making 

him appreciate gifts he didn’t 

want, or read greeting cards 

filled with lame Father’s Day 

poetry (“When I was just a little 

tyke, you showed me how 

to ride a bike; And you were 

sweet to me the day, I drove 

more hours in that place, walking 

and talking, joking with 

the kids, taking hundreds of 

pictures. 

I wish the kids (and the 

adults) could spend more time 

like that together. I wish I 

lived closer to my girlfriends, 

so I could just hop in my car 

My girlfriends and I met up at the Knoxville Zoo for a much-needed reunion last weekend. On our way out, we found a group of 

ladies outside the gate that were nice enough to take multiple group photos with four different cameras. This is the best one of 

that bunch. 

and drive to one of their houses 

when the mood struck me. 

But we are already planning an 

end of the summer trip to 

Dollywood’s Splash Country. 

I’m sure I’ll talk to and see 

them several times before then, 

but I can’t wait to continue 

this new tradition of “meet in 

the middle” excursions we’ve 

started. 

Contact Samara at samara@hamiltoncountyherald.com 

❖ 

your car into the bay; dad, I 

think you’re really grand, I’m 

praying for your prostate 

gland”). 

There would be none of 

this, on the perfect Father’s 

Day. There would be just dad, 

wearing his oldest surviving 

undershorts, free of pressure, 

maybe just sitting in front of 

the TV, watching the NBA 

playoffs. There would be no 

conversation, other than dad 

periodically observing that 

these players today could carry 

the ball across Montana and 

never get called for traveling. 

That’s how you can give 

dad the perfect Father’s Day. 

Of course, that’s not all. You’d 

also make a restaurant reservation, 

and at the end of the day, 

you’d dress up and go out and 

have a nice dinner, during 

which you’d propose a toast to 

dad. Who would be back 

home, in front of the TV, happily 

asleep in his veteran 

underwear. That would be 

PERFECT. 

But you’re going to get 

him a shirt. 

© 2008 The Miami Herald 

Distributed by Tribune Media 

Services, Inc. 

© 2008 Tribune Media 

Services. All rights reserved. ❖



PUBLIC NOTICES 

NON-RESIDENT NOTICE 

STATE OF TENNESSEE, 

COUNTY OF HAMILTON 

SONYA RENEE MILLS 

VS DOCKET NO. 08D532 

JOHNNY MILLS 

It appearing from allegations in Plaintiff’s 

Bill, which is sworn to, that the defendant is a 

non-resident of the State of Tennessee, so that 

the ordinary process of law cannot be served 

upon JOHNNY MILLS. 

IT IS ORDERED that publication be made for 

four successive weeks in the Hamilton County 

Herald, a newspaper published in Hamilton 

County, Tennessee, notifying said non-resident 

that unless JOHNNY MILLS answers and 

makes defense to said complaint in the offices 

of the Circuit Court Clerk of Hamilton 

County, Tennessee, within thirty (30) days 

after the fourth weekly publication of this 

order, the same will be taken as admitted by 

JOHNNY MILLS and the case will be set for 

hearing ex parte or without JOHNNY MILLS 

presence. 

This 12th day of May, 2008. 

PAULA T. THOMPSON, 

CIRCUIT COURT CLERK 

RICHARD BRENT TEETER 

ATTORNEY FOR PLAINTIFF 

Willard Bldg #400 


HCH4T-5/23,5/30,6/6,6/13/08 




DARRELL EDWARD PHILLIPS II 


VALERIE ANN PHILLIPS 





upon VALERIE ANN PHILLIPS. 





that unless VALERIE ANN PHILLIPS 

answers and makes defense to said complaint 

in the offices of the Circuit Court Clerk of 

Hamilton County, Tennessee, within thirty 

(30) days after the fourth weekly publication 

of this order, the same will be taken as admitted 

by VALERIE ANN PHILLIPS and the 

case will be set for hearing ex parte or without 

VALERIE ANN PHILLIPS presence. 








HCH4T-5/23,5/30,6/6,6/13/08 




ANGELA DENISE BALES 


ANKUR AGRAWAL 





upon ANKUR AGRAWAL. 





that unless ANKUR AGRAWAL answers and 






ANKUR AGRAWAL and the case will be set 

for hearing ex parte or without ANKUR 

AGRAWAL presence. 








HCH4T-5/23,5/30,6/6,6/13/08 




ANGIE ROSE MLADENOVIC 


NENAD MLADENOVIC 





upon NENAD MLADENOVIC. 





that unless NENAD MLADENOVIC answers 

and makes defense to said complaint in the 

offices of the Circuit Court Clerk of Hamilton 




NENAD MLADENOVIC and the case will be 

set for hearing ex parte or without NENAD 

MLADENOVIC presence. 




ATTORNEY FOR PLAINTIFF: 

PRO SE 

HCH4T-5/23,5/30,6/6,6/13/08 




CHEVY WAYNE LOWRY 

VS DOCKET NO. 08A158 

JAMES MICHAEL MCDONALD 





upon JAMES MICHAEL MCDONALD. 





that unless JAMES MICHAEL MCDONALD 






by JAMES MICHAEL MCDONALD and 

the case will be set for hearing ex parte or 

without JAMES MICHAEL MCDONALD 

presence. 

This 22nd day of May, 2008. 



MARK GREGORY ROTHBERGER 


615 LINDSAY ST, STE 150 

CHATTANOOGA, TN 37403 

HCH4T-5/30,6/6,6/13,6/20/08 




SANDRA M. BONNER 


WILLIE RICHIE 





upon WILLIE RICHIE. 





that unless WILLIE RICHIE answers and 






WILLIE RICHIE and the case will be set for 

hearing ex parte or without WILLIE RICHIE 

presence. 






615 LINDSAY ST 


HCH4T-5/30,6/6,6/13,6/20/08 




CRYSTAL FAITH CARTER 


CHRISTOPHER LEE CARTER 





upon CHRISTOPHER LEE CARTER. 





that unless CHRISTOPHER LEE CARTER 






by CHRISTOPHER LEE CARTER and 


without CHRISTOPHER LEE CARTER 

presence. 

This 21st day of May, 2008. 



JESSE WALKER DALTON 


P.O. BOX 190 

JASPER, TN 37347 

HCH4T-5/30,6/6,6/13,6/20/08 




PAMELA B. RIVAS 


LUIS H. RIVAS 





upon LUIS H. RIVAS. 





that unless LUIS H. RIVAS answers and 






LUIS H. RIVAS and the case will be set for 

hearing ex parte or without LUIS H. RIVAS 

presence. 

This 21st day of May, 2008. 



AUTRY L. JONES 


5726 MARLIN ROAD, STE 513 


HCH4T-5/30,6/6,6/13/6/20/08 




YOLANDA SUZETTE NANCE 


JAMIESON GERARD NANCE 





upon JAMIESON GERARD NANCE. 





that unless JAMIESON GERARD NANCE 






by JAMIESON GERARD NANCE and 


without JAMIESON GERARD NANCE 

presence. 








HCH4T-6/6,6/13,6/20,6/27/08 




BILLIE GAIL ADAMS 


JIMMY RAY ADAMS 





upon JIMMY RAY ADAMS. 





that unless JIMMY RAY ADAMS answers 






JIMMY RAY ADAMS and the case will be 

set for hearing ex parte or without JIMMY 

RAY ADAMS presence. 








HCH4T-6/6,6/13,6/20,6/27/08 

STATE OF TENNESSEE 

ORDER OF PUBLICATION 

STEVE SMITH INC 

PLAINTIFF 

Docket Number: 07GS13410 

STEVEN R. RICKETTS 

DEFENDANT 

Date of This Order: 05/27/08 

Appearance Date: 07/21/08 at 11:00 a.m. 

Appearance Address: Court of General 

Sessions, Civil Division, Room 111 Hamilton 

County City Courts Building, 600 Market 

Street, Chattanooga, TN 37402-1911 

It appearing from the record in this cause that 

the defendant is a non-resident of Tennessee, 

and certain property or money has been 

attached. 

One or more civil warrants have issued but 

returned unserved, and an attachment issued 

and was levied upon certain property or 

money. 

IT IS ORDERED that publication be made 

requiring the defendant to appear at the time 

and place stated above and defend this suit, or 

a judgment by default may be entered against 

him. This Order shall be published in a newspaper 

by this County as required by law. 

PAULA T. THOMPSON 

CLERK OF GENERAL SESSIONS 

MAYFIELD AND LESTER 


1501 East Main Street 


HCH4T-6/6,6/13,6/20,6/27/08 



JAMES E. HERROD 

PLAINTIFF 


LISA DEFRIESES 

DEFENDANT 










attached. 




money. 









WAGNER NELSON WEEKS 


FIRST TENNESSEE BLDG 

701 Market Street, Ste 1418 


HCH4T-6/6,6/13,6/20,6/27/08 




SHERRY DANIELLE JOHNSON 


RONNIE LEE JOHNSON, JR. 





upon RONNIE LEE JOHNSON JR.. 





that unless RONNIE LEE JOHNSON JR. 






by RONNIE LEE JOHNSON JR. and the 

case will be set for hearing ex parte or without 

RONNIE LEE JOHNSON JR. presence. 








HCH4T-6/6,6/13,6/20,6/27/08 




TWANA DENISE WOODLEY 


ANTHONY DEWAYNE FEW 





upon ANTHONY FEW. 





that unless ANTHONY FEW answers and 






ANTHONY FEW and the case will be set for 

hearing ex parte or without ANTHONY FEW 

presence. 




PRO SE 


HCH4T-6/6,6/13,6/20,6/27/08 



UNITED CHECK EXPRESS 

PLAINTIFF 


RHONDA L. HAMPTON 

DEFENDANT 










attached. 




money. 













HCH4T-6/6,6/13,6/20,6/27/08 



WORLD FINANCE 

PLAINTIFF 


JOHN BRYANT 

DEFENDANT 










attached. 




money. 













HCH4T-6/6,6/13,6/20,6/27/08 




MEHDI MALEKZADEH 


BEHNAZ BEYHAGHI 





upon BEHNAZ BEYHAGHI. 





that unless BEHNAZ BEYHAGHI answers 






BEHNAZ BEYHAGHI and the case will be 

set for hearing ex parte or without DEFEN- 

DANT presence. 

This 2nd day of June, 2008. 



WILLIAM H. HORTON 


835 GEORGIA AVE, STE 600 


HCH4T-6/13,6/20,6/27,7/4/08 ❖


School Continued from page 1 

during their time at Card’s 

school, though. 

Consider the benefits of 

morning assembly, during 

which teachers encourage 

kids to recognize each other’s 

accomplishments. As one 

boy praises a female classmate 

for being brave on a ride during 

a trip to the U.S. Space 

and Rocket Center in 

Huntsville the day before, the 

girl bows to the applause of 

her fellow students. 

“In a regular school, these 

students usually aren’t recognized. 

They withdraw in most 

cases, so we teach them to 

recognize each other for the 

good things they do. In a 

small school, they get to 

know the things that are different 

about each other, and 

some of those things might 

not be so positive. So we try 

to turn that mentality around 

and encourage them to look 

for the good in each other,” 

says Card. 

Parents certainly see the 

good Scenic Land cultivates 

in its students. Card says 

mothers and fathers are 

amazed at the changes in 

their kids after just one week 

at the school and often 

express relief over no longer 

having to fight their children 

to go to class and do homework. 

It’s hard to put a price tag 

on the value of such an experience, 

but Scenic Land has 

bills like every other private 

institution, so parents must 

The law of babymaking is a fertile niche area 

by Dick Dahl 


In 1989, San Diego attorney 

Thomas M. Pinkerton and 

his wife Darlene turned to in 

vitro fertilization in order to 

have a child. The procedure was 

a success — Darlene produced a 

viable embryo and Thomas’ sister, 

Judy, agreed to act as a surrogate. 

She gave birth to Kati in 

March 1990. But when the 

Pinkertons contacted the state 

health department to get a birth 

certificate, they were told that 

Judy — the girl’s aunt — had to 

be listed as her mother and that 

if they wanted to become the 

girl’s legal parents, they’d have 

to do it via adoption. 

Pinkerton, then a real 

estate lawyer, decided to fight. 

He went to court and won a 

judgment ordering the health 

department to list Darlene as 

Kati’s mother on the birth certificate. 

The judgment was the 

first of its kind in California 

and propelled Pinkerton into a 

new line of work: fertility law. 

At the time, only one other 

California lawyer was practicing 

assisted reproduction law: Bill 

Handel, better known in 

California as the host of a popular 

Los Angeles radio talk 

show. 

But today, Pinkerton 

counts himself among a growing 

number of practitioners focusing 

their work on the legal 

issues involving couples who 

can’t conceive and the people 

and technologies they use to 

assist them in becoming parents. 

Many family law practitioners 

have devoted portions 

of their practice to assisted 

reproduction; others have 

devoted their entire practices to 

it. Pinkerton estimates that two 

to three dozen lawyers besides 

himself are practicing assisted 

reproduction law full time in 

California. 

A multi-billion-dollar 

industry 

It’s an area that goes by a 

variety of names — fertility law, 

assisted reproduction law, surrogacy 

law, family formation law 

— and it has evolved over the 

last 20 years in response to medical 

technology and social 

change. 

Today, assisted reproduction 

is a multi-billion-dollar 

industry. 

Lawyers who practice in 

this area say assisted-reproduction 

arrangements can involve 

a variety of players. They range 

from a single woman choosing 

to become pregnant from 

donated sperm to couples who 

rely on donations of both sperm 

and eggs as well as a gestational 

surrogate. 

According to San Marcos, 

Calif. surrogacy lawyer 

Stephanie M. Caballero, the 

relationships can become more 

complex still. She is currently 

representing a gay male couple 

paying for two surrogates 

because they want two children. 

She said that in spite of the 

highly emotional issues 

involved, the legal work is 

essentially transactional. 

Typically, clients seeking outside 

help to have children have 

made their own arrangements 

with surrogacy agencies, which 

then turn to lawyers to draw up 

the contract. 

According to Caballero, 

the most important element of 

any contract involving assisted 

reproduction is clarification of 

intent. 

“This is a new and unsettled 

area of law,” and as a result, 

courts often render opinions 

based on the intent of the parties 

involved, she said. “So it’s 

very important prior to the 

embryo transfer or the egg 

retrieval or the sperm retrieval 

that a legal contract is drawn up 

and the intent of the parties is 

defined.” 

For example, she said, a 

contract should stipulate that a 

surrogate’s intent is that the 

recipient parents — and not 

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herself — will have custody of 

the child. 

Important cases 

Still, disputes do arise. And 

over recent years, their resulting 

court opinions have begun 

to shape the law. 

The first high-profile case 

involving assisted reproduction 

was a New Jersey case, In re 

Baby M, 537 A.2d 1227, in 

which a man and woman drew 

up a “surrogate parenting agreement” 

stating that the woman 

would be impregnated by the 

man’s sperm and relinquish the 

child to him upon birth. But 

shortly after the child was born, 

the mother wanted her back. 

The legal dispute ended when 

the New Jersey Supreme Court 

overturned a trial court and 

restored the birth mother’s 

parental rights. 

“It started on the East 

Coast with very hard, difficult 

cases like Baby M,” said 

Pinkerton. “And out of that 

grew surrogate-unfriendly 

states. In California, on the 

other hand, we started out with 

a fairly easy case and then 

moved in the opposite direction.” 

By all accounts, the 

caselaw that has developed in 

California is the most far-reaching 

in terms of protecting couples 

who seek to have children 

via assisted means. In the 

1990s, a trio of cases established 

the legal groundwork for current 

surrogacy law in that state 

and influenced courts elsewhere. 

The first “easy case” was 

Johnson v. Calvert, 851 P.2d 

776 (1993). A couple used in 

vitro conception and arranged 

with a surrogate to give birth. 

Both the biological mother and 

the gestational mothers claimed 

maternity. The California 

Supreme Court resolved the 

dispute by proclaiming that the 

one who could demonstrate 

that she intended to raise the 

child would prevail. This established 

the “intending to parent” 

concept, which has been 

applied in California ever since. 

The following year, a 

California appellate court narrowed 

the concept in In re 

Marriage of Moschetta, 26 Cal. 

App. 4th 1218, in which an 

infertile woman and her husband 

arranged for a surrogate to 

be inseminated with the husband’s 

sperm. 

When the couple broke up, 

the surrogate claimed maternity, 

and the court concluded that 

pay for its services. Yet the 

school spends more on its students 

than it charges, which 

brought it to a point last year 

where it was going to have to 

shut down. 

Fortunately, a benefactor 

stepped forward with the 

money to keep Scenic Land 

open for another year. The 

unnamed gentleman also 

issued a challenge for the 

board of the school to come 

up with more. Its members 

are working hard to rise to the 

because she was both the genetic 

and gestational mother, she 

had the stronger claim. (As the 

biological father, the husband 

later won custody of the child.) 

The third case, In re 

Marriage of Buzzanca, 61 Cal. 

App.4th 1410 (1998), involved 

a husband and wife who were 

both infertile, a sperm donor, an 

egg donor and a surrogate. 

The couple broke up during 

the pregnancy and then made 

opposing claims about rights to 

the child. The woman claimed 

that it was a child of the marriage 

so should be hers, while 

the man said that the child was 

not genetically his and so he 

should bear no legal responsibility 

for it. 

The appellate court concluded 

that when a married 

couple unable to reproduce on 

their own uses medical technology 

to create a child, they will 

be treated as if they were the 

biological parents. According 

to Pinkerton, this was the first 

major case to provide legal 

underpinnings to the use of artificial 

insemination in assisted 

reproduction cases. 

In other states, lawyers say, 

assisted reproduction law is a 

patchwork. 

According to the Human 

Rights Campaign, a gay civil 

rights organization, six states 

expressly allow couples to enter 

surrogacy contracts: Arkansas, 

California, Illinois, 

Massachusetts, New Jersey and 

Washington. HRC reports surrogacy 

contracts are prohibited 

in all or some instances in 11 

states — Florida, Indiana, 

Louisiana, Michigan, Nebraska, 

Nevada, New York, North 

Dakota, Texas, Utah and 

Virginia — as well as the 

District of Columbia. 

In the remaining states, the 

picture is unclear because of 

contradictory or confusing laws 

and court cases. 

Personal experiences 

Clients must be prepared to 

pay lavishly for a child produced 

by assisted reproduction. 

Melissa B. Brisman, a solo practitioner 

in Park Ridge, N.J., 

estimates that the cost of invitro 

fertilization involving a 

surrogate ranges from $40,000 

to $60,000 — excluding medical 

costs. The surrogate typically 

receives $18,000 to 

$22,000 and the total attorney 

fees range from $12,000 to 

$14,000, she said. 

But Caballero points out 

that for many couples, no price 

occasion. 

Perhaps they’ll find inspiration 

in the children who 

pass through the doors of the 

school and overcome tremendous 

odds to eventually lead 

productive lives. They don’t 

all become lawyers, doctors 

and businessmen, but they do 

wake up each day celebrating 

their differences and able to 

function in a world that was 

once daunting and intolerant. 

❖ 

is too high. In her own case, 

Caballero said she and her husband 

spent $200,000 over the 

course of several years before 

they became genetic and legal 

parents of twins who were carried 

by Cabellero’s cousin as a 

surrogate. 

Because the surrogate was 

in a different state, the 

Caballeros had to legally adopt 

their children. She said the 

experience is what propelled 

her to enter law school in her 

late 30s, intent on going into 

assisted reproduction law. 

Stories of personal experience 

are common among 

lawyers practicing in this area. 

In New Jersey, Brisman has 

a similar story to tell. When she 

and her husband were living in 

Boston in the 1990s, they 

turned to in vitro and a surrogate 

in Maine to produce twin 

boys. 

Brisman has been practicing 

assisted reproduction law in 

New Jersey for the last nine 

years. Despite the fact that New 

Jersey prohibits traditional surrogacies 

(in which the surrogate 

is also the biological mother) 

and allows only uncompensated 

gestational surrogacy arrangements, 

Brisman said she thrives 

because her practice is national. 

Theresa M. Erickson, a solo 

surrogacy lawyer in Poway, 

Calif., came to the practice 

from a different direction: 

During law school, she was an 

egg donor who assisted several 

families in having children. 

She decided to continue 

doing that with her work. 

“Everyone has this innate 

desire to have a child and we 

help them get there,” said 

Erickson, who created her firm 

in 1998. 

Lawyers practicing in this 

area say that it’s constantly 

evolving. 

“If you had asked me then, 

I’d have said the majority of my 

clients were married couples,” 

said Brisman. “But there are 

more single people and gay couples 

now.” 

“Part of the reason this is a 

growing field is that women 

have the option of waiting to 

get their careers going,” 

Pinkerton said. “And they 

either don’t think ahead or they 

just have [other] priorities.” 

Caballero agreed, disclosing 

that she has a lot of clients 

in their 40s — usually professional 

women who are either 

single or married — and even 

one in her 50s. ❖


Commentary: Anticipate problems to avoid ethical elder law dilemmas 

by Kimberly E. O’Leary 


After almost 20 years of 

practicing law, I joined an 

elder law practice in 2000. I 

had represented a wide range 

of civil clients in a variety of 

matters — more a generalist 

than a specialist — and 

assumed that representing senior 

citizens would be similar to 

my past practice. 

After eight years of elder 

law practice, I can say with 

great confidence that I 

encounter on a regular basis 

ethics questions that would 

have curled my hair in my previous 

jobs. 

In elder law, ethical 

dilemmas abound in regular, 

daily encounters with clients 

right in the heart of my law 

office. I have learned — and 

am still learning — that it is 

critical to anticipate problems 

before they occur. Once the 

dilemma springs into being, it 

is very hard to solve in a satisfactory 

manner. The lawyer 

who can anticipate the problem 

can prevent it from occurring. 

For example, during the 

first encounter with the office, 

it is sometimes hard to know 

who the client is. Some senior 

citizens call to make their own 

appointments. But frequently, 

initial contacts are made by 

adult children, care workers, 

social workers or neighbors. 

Most of the time callers have 

the welfare of the senior citizen 

in mind and they understandably 

want to be involved. 

However, in our office, as 

in most offices that represent 

the elderly, the elderly person 

is considered the client and is 

escorted into the interview 

alone. 

The Elder Law Clinic at 

Wake Forest School of Law 

developed a brochure called 

“Why Am I Left in the 

Waiting Room?” (find it at 

www.abanet.org/aging/publi- 

WOMAN WONDERS 

WHY ALL HER LOVERS 

HAVE BEEN CHEAP- 

SKATES 

DEAR AMY: I am 44 and 

have attracted cheap men all 

of my life. 

Looking back, I realize 

that my boyfriends were 

cheap. My husband is cheap 

(we live comfortably), my 

lovers have all been cheap 

with me, but what’s even 

more painful is that they 

have told me about the gifts 

they bought for their wives 

and former mistresses. 

My current lover and I 

have been together for more 

than two years. He is a successful 

physician and enjoys 

a nice lifestyle. 

I have enough “things,” 

but it is the attention and 

thought that counts, and I 

think that a long-term relationship 

warrants gift-giving 

“just because” — to make 

your lover happy. 

cations/docs/4cbrochure.pdf) 

to explain what to most 

lawyers is a pretty basic concept 

— that lawyer-client confidentiality 

exists in private 

between a lawyer and a client. 

Even after establishing 

who the client is, there can be 

complications. Some of the 

people helping seniors think 

they know what is best for the 

senior, even if it is not what 

the senior wants. Third parties 

might see the involvement of 

these “helpers” as grounds for 

undue influence. 

Having a hard and fast 

rule that you interview the 

senior alone first, only bringing 

in others to help if the situation 

warrants it, can prevent 

the ethical dilemma. Keeping 

the elderly client abreast of 

every action, even if someone 

is helping with the case, can 

also prevent ethical problems. 

Another common ethical 

issue in elder law is couples 

who want joint representation, 

frequently for estate 

planning. The ethical rules 

squarely require lawyers to 

decline representation of one 

client if “representation will 

be directly adverse to another 

client, unless ... the lawyer 

believes the representation 

will not adversely affect the 

relationship with the other 

client ... and each client consents 

...” (Rule 1.7, Rules of 

Professional Conduct) 

The comment to the rule 

states: “The critical questions 

are the likelihood that a conflict 

will eventuate and, if it 

does, whether it will materially 

interfere with the lawyer’s 

independent professional 

judgment in considering alternatives 

or foreclose courses of 

action that reasonably should 

be pursued on behalf of the 

client.” (Comment to Rule 

1.7, p 782) It is not difficult to 

imagine scenarios where the 

economic or social interests of 

one member of a couple might 

collide with those of the other. 

Ask Amy 

Advice for the Real World 

By Amy Dickinson 

Tribune Media Services 

He once said that he is 

afraid that my husband would 

see a present and question it, 

and I assured him that I 

would make sure my husband 

didn’t see it. He also said I 

should not give him anything 

because his wife might see it. 

What advice can you 

give me? I need to know what 

I am doing wrong. Is there a 

profile of women who attract 

cheap men? — Wondering 

DEAR WONDERING: 

There is a profile of women 

who attract cheap men. 

These are women who don’t 

value themselves, who 

cheapen their relationships 

by being unfaithful and who 

could be “bought” for the 

price of an occasional present 

from an unfaithful lover. 

You sound very unhappy. 

Your life sounds sad. When 

you start to value yourself, 

others will start to value you. 

Then the gifts (non-material 

but valuable all the same) 

Elder law practice is that 

lawyers typically and routinely 

represent both members of a 

couple in these matters. 

Because the possibility is so 

high that a conflict might 

develop, elder law practitioners 

have developed protocols 

for explaining to clients why 

they should each consider separate 

counsel and that the 

lawyer will have to withdraw 

from both if an actual conflict 

occurs. 

Most lawyers I have consulted 

present each client with 

an example of such a conflict, 

such as one of the clients 

revealing that he or she has a 

child the other client knows 

nothing about. Lawyers disagree 

about what to do if that 

happens (do you tell the other 

party?), but lawyers agree that 

whatever action you take 

should be communicated in 

advance, before either side 

tells something to the lawyer 

he or she will regret later. 

Each office should have a 

detailed protocol to explain 

this potential conflict to couples. 

A third common ethical 

problem is competency — at 

the time of representation and 

later on. Many people are 

mentally razor sharp into their 

hundreds and for their entire 

lives. Some experience mental 

decline, often in slow and 

barely perceptible ways. 

Many people keep strong, 

close, stable relationships with 

family and friends all their 

lives. Some find new friends 

and become alienated from 

family, and sometimes this 

happens when they age. 

All people decline physically, 

although at different 

rates and in different ways. 

Sometimes lack of complete 

hearing or vision or a slowing 

of speech can be misinterpreted 

as mental decline when it is 

not. When a client who is 30 

wants to give all of her money 

to charity, she is considered 

will start to flow. 

DEAR AMY: My best 

friend of 10 years and her 

fiance recently announced 

their engagement. He’s in 

the National Guard and is 

leaving for a tour of duty. 

Their original wedding 

date was a date that I had a 

work obligation and had no 

way out of. I was upset that I 

was going to have to miss it, 

but there was absolutely 

nothing I could do. 

My friend called me last 

night saying they had 

received her fiance’s tour 

papers. He’s not leaving until 

September, which is later 

than originally thought. She 

decided to change the date so 

that I could be there. After 

all, we’ve been talking about 

our weddings for many years, 

and we were both upset I 

would have to miss it. 

Then to my dismay she 

didn’t ask me to be a bridesmaid! 

She moved the date 

just for me, so it makes sense 

to me that she would then 

want me to be in her wedding. 

And on top of that, one 

of the girls she has chosen to 

be a bridesmaid is a girl she 

has known for a year or two 

and recently had a huge 

falling out with. 

honorable. When a client of 

100 wants to give all of her 

money to charity, she is considered 

mentally questionable. 

I have seen very old 

clients labeled “paranoid” for 

complaining about personal or 

financial care by a family 

member, only to discover upon 

investigation that the care was 

indeed substandard by any 

objective measure. These 

complexities require lawyers 

to understand that there exist 

a wide range of medical and 

mental competencies, and to 

ask whether a client is competent 

to perform a specific act, 

rather than some generic competency 

standard. 

For example, if a person 

knows what they have and 

who are the “natural objects of 

bounty,” the law says that person 

is competent to execute a 

will. Other standards apply to 

other transactions. 

Even if a person comes to 

you clearly competent and 

clearheaded, in the prime of 

life, it is foreseeable that, at 

some point in the future, that 

person may not understand 

what is going on. For this reason, 

many clients engage in 

planning for a future when 

they might not be able to 

make decisions. 

Lawyers frequently fail to 

discuss how the client wants 

the lawyer to handle disclosure 

of confidential information 

in a future when the 

client cannot waive access to 

private attorney-client materials. 

For example, a 60-yearold 

client may indicate she 

does not trust her siblings and 

wants her nephew to handle 

her affairs should she become 

incompetent. Ten years later, 

if one of the siblings comes to 

your office asking for help 

obtaining a guardianship 

against his incompetent sister 

(your former client), not only 

can you, of course, not represent 

the brother, but you also 

Am I being childish or is 

my frustration warranted? 

I’m very upset that I’m 

not going to be a part of her 

wedding. 

Should I approach my 

best friend about this or simply 

be happy for her and just 

be at the wedding? — 

Confused 

DEAR CONFUSED: 

Your friend may not have 

changed her wedding date 

just for you, though it’s good 

that you can now attend. 

It’s fine to say to your 

friend, “I have to be honest 

with you — I was hoping to 

be a bridesmaid.” 

But don’t pressure her, 

ask her to explain her reasoning 

or expect her to 

change her scheme because 

of your statement. Simply 

express your wish and then 

let it go. 

Beyond that, remember 

that this is her day and be 

happy for her. Attend the 

wedding, be a good sport and 

do your best to celebrate and 

enjoy her happiness. 

DEAR AMY: I’m 

responding to the letter from 

“Loyal Fan,” whose neighbor 

is a cigar smoker. 

While I completely agree 

with the advice given by you 

cannot inform the nephew of 

your client’s wishes absent an 

informed waiver obtained 

when the client was competent. 

Similarly, attorneys often 

obtain permission in advance 

to share a copy of a will with 

persons the client nominated 

to serve as personal representative. 

However, the client might 

want his attorney to share a 

copy of the will with any family 

member who asks for one. 

Does the client want her 

attorney to provide information 

if someone is challenging 

a will? Elder law attorneys 

should have conversations 

with every client to find out 

whether the client wants the 

attorney to share her wishes or 

copies of documents with anyone 

if she becomes incompetent 

or after her death. 

The application of the 

Rules of Professional Conduct 

to elder law practice make this 

area of law one of the most 

interesting real-life applications 

of legal ethics that exists 

in law practice. The National 

Academy of Elder Law 

Attorneys (NAELA), recognizing 

how difficult the ethical 

issues are, has developed 

aspirational standards for elder 

law attorneys which can be 

found at 

www.naela.com/PDFFiles/aspirationalstandards.pdf. 

The struggle to protect 

the dignity and autonomy of 

our senior citizens with the 

desire to help those who are 

struggling with mental confusion 

is a constant tension in 

this arena. Elder law practitioners 

should take the time to 

consider in advance a range of 

probable scenarios and discuss 

these with their clients. 

The clients will be happy 

the attorney is thinking about 

these problems in advance, 

and the attorney will minimize 

the risk of making a false step. 

❖ 

and the smoking researcher 

you quoted, it can be hard to 

tell a person that they can’t 

smoke a cigar on their own 

patio. 

My suggestion is to set 

up a floor fan on that side of 

the patio that will help blow 

the smoke away and to turn 

it on when he lights up. It 

might serve the dual purpose 

of letting her get a breath of 

fresh air and letting him 

know that the smoke is 

affecting his neighbors. — 

Rory 

DEAR RORY: The cigar 

smoker in question certainly 

excited many readers. 

I’ve received dozens of 

letters suggesting that the 

judicious placement of a fan 

could be just the thing to 

solve this particularly smoky 

problem. 

(Send questions via email 

to askamy@tribune.com 

or by mail to Ask Amy, 

Chicago Tribune, TT500, 

435 N. Michigan Ave., 

Chicago, IL 60611.) 

© 2008 BY THE 

CHICAGO TRIBUNE DIS- 

TRIBUTED BY TRIBUNE 

MEDIA SERVICES, INC. 

© 2008 Tribune Media 

Services. All rights reserved. 

❖


Commentary: Law firms should not carry client’s expenses 

by Edward Poll 


Client costs that are 

advanced are a major issue for a 

number of law firms, particularly 

those that focus on intellectual 

property law and are often 

required to pay thousands of 

dollars in fees for patent and 

other filings before being reimbursed 

by the client. 

This is in essence an interest-free 

loan to the client that 

can stay on the books for several 

months, eating up considerable 

cash flow — not to mention 

partner compensation. 

Some firms try to address 

this issue by taking a retainer 

in advance of the fees. This is 

problematic for two reasons. 

One, anticipated expenses 

might not come in as expected, 

the retainer may prove inadequate 

and the client may be 

reluctant to pay a retainer that 

is too large. 

And two, if you take a 

retainer in advance, whether 

the fee is called refundable or 

not, and work is promised in 

exchange for that fee, then 

failure to perform the work 

requires a refund. 

In addition to the problems 

of cash flow and refundable 

fees, there’s another issue 

involved in carrying client 

expenses. The Internal 

Revenue Service is training 

auditors to examine law firms 

to see how advanced costs are 

treated. As a result, many law 

firms now find themselves facing 

serious tax liabilities for 

their tax treatment of 

advanced client costs. 

For the cash-basis law firm, 

advanced costs have usually 

been deducted in the year paid 

as ordinary business expenses, 

with the law firm taking repayment 

of the costs as ordinary 

income. The second approach 

used by many law firms is to 

treat such advanced costs as a 

loan to the client. 

Commentators have indicated 

the IRS is increasingly 

rejecting the tax-deductibility 

of both approaches, taking 

instead the position that 

advanced costs can only be 

deducted on the law firm’s tax 

returns as a bad debt. 

One way to handle this 

issue, without straining either 

the firm’s finances or the 

patience of the IRS, is to use 

what is termed a Dedicated 

Hard Disbursement Line of 

Credit (DLOC). 

Checks for client expenses 

are paid from the DLOC. The 

hard disbursement amounts 

and interest and audit fees are 

automatically added to the 

client’s next invoices by software 

that integrates with the 

firm’s accounting system. 

The firm simply passes on 

the carrying cost to clients 

without added markups. Such 

an approach must be squared 

with ethical requirements 

relating to client trust funds. 

Another option is a software 

package marketed to IP 

firms. The firm using it obtains 

“instant retainers” for payment 

of out-of-pocket expenses, collecting 

fees from clients the 

same day these payments are 

made by electronic collection 

from either a client credit card 

or checking account. The firm 

gets the full cost of the out-ofpocket 

fee and clients pay only 

when the fees are actually due. 

Either way, the bottom 

line is the same — law firms 

should not be banks that carry 

their clients’ expenses. ❖ 

New research encourages people with high blood pressure to face the music 

Newswise 

Listening to just 30 minutes 

of rhythmically homogeneous 

music every day may significantly 

reduce high blood pressure, 

according to researchers at the 

American Society of 

Hypertension’s 23rd Annual 

Scientific Meeting and 

Exposition. In the first study to 

examine the antihypertensive 

effect of music listening on 

ambulatory blood pressure 

(ABP), today’s findings reveal 

that patients with mild hypertension 

who listened to just half 

an hour of classical, Celtic or 

raga music a day for four weeks 

experienced significant reductions 

in 24-hour ambulatory 

blood pressure. 

Hypertension is a common 

disorder in which blood pressure 

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82_Typo_Chattanooga_2.75x6.75.indd 1 9.10.2007 17:26:25 Uhr 

remains abnormally high (a 

reading of 140/90 mm Hg or 

greater) and is responsible for 

causing at least five million premature 

deaths each year worldwide.1 

“Listening to music is soothing 

and has often been associated 

with controlling patientreported 

pain or anxiety and 

acutely reducing blood pressure,” 

said study investigator, Prof. 

Pietro A. Modesti, MD, PhD, 

Professor of Internal Medicine, 

Dep. Critical Care Medicine, 

University of Florence, Italy. 

“But for the first time, today’s 

results clearly illustrate the 

impact daily music listening has 

on ABP. We are excited about 

the positive implications for 

both patients and physicians, 

who can now confidently 

explore music listening as a safe, 

effective, non-pharmacological 

by Edward Poll 


For too many lawyers, 

the idea of marketing is 

daunting because there are so 

many potential clients, so 

little time to reach them and 

so many options for pursuing 

them. 

Marketing can only be 

approached practically with 

a narrow focus that creates a 

profile of your ideal client 

and develops a strategy for 

this target, not everyone. It 

requires defining the location, 

demographics, occupation, 

financials and other 

characteristics of clients who 

will give you the work you 

want. 

An excellent acronym, 

SMART, details how to build 

an effective plan with the 

right details: 

* Specific: The real 

marketing issue is not getting 

more billable hours, it’s what 

kind of specific billable work 

you want and what it contributes 

to your future. 

* Measurable: If you 

can’t measure your marketing 

efforts by specific number of 

contacts made, clients added 

and billable time gained, 

you’ll never know what 

you’ve done. 

* Achievable: Set near- 

treatment option or a complement 

to therapy.” 

A total of 48 patients aged 

between 45 and 70, all with mild 

hypertension and using pharmacological 

treatment, took part in 

the study. Of these, 28 patients 

aged between 45 and 69, listened 

to 30 minutes of classical, Celtic 

and Indian (raga) music per day 

while conducting slow, controlled 

abdominal breathing 

exercises. Twenty patients of 

comparable age, blood pressure 

values and antihypertensive 

treatment served as the control 

group. All patients underwent 

ABP monitoring before randomization 

(baseline) and one and 

four weeks after treatment allocation. 

The study results revealed a 

significant systolic ABP reduction 

in those patients who had 

been listening to music daily (- 

term targets that are realistic 

and continually raise the bar. 

* Reasonable: Don’t set 

yourself up for failure with 

unreasonable expectations 

about potential revenue or 

number of clients added. 

* Timely: Give yourself 

an adequate timeframe that 

still imparts a sense of 

urgency. 

Such a marketing plan 

defines what your practice 

really is (or should be) and 

who best can use those services. 

This can change over 

time, depending on how your 

skills and interests evolve, 

how the economy is doing 

and many other factors. 

Learn where to find your 

target market and think 

about how you can best reach 

the members of this market 

to let them know that what 

they need is within your 

scope of abilities. 

The key is to provide 

information to others that 

you have that which they 

need (of course, you first 

have to know that they know 

that they need what you 

have to offer). If they don’t 

know they need what you 

have to offer, you have an 

entirely different marketing 

challenge. 

Once your target clients 

3.2±5.6 and -4.4±5.3 mm Hg, 

p


Nutrition World owner promotes health through overall wellness 


Ed Jones has always been a 

health nut. 

When he joined the 

Chattanooga Police Department in 

1978, he was longing to be in the 

industry of health and nutrition. 

Soon after, he opened a health food 

and vitamin store in Four Squares 

Mall. After a couple of years there 

with little business, he moved to 

Highland Plaza. Then, he opened 

another location in Brainerd Village. 

As the popularity of his stores 

increased, so did the opportunity for 

him to spread his message. He wasn’t 

merely in the business of selling vitamins 

and health food. Instead, he 

wanted to sell people the concept of 

overall wellness. Once business 

picked up, he was able to add rooms 

in the back of his store. There, specialty 

therapists began performing 

health services that complemented 

his whole idea of overall wellness. 

“We had something called ‘cranial 

therapy’ and massage,” he says. 

“Then we branched out and opened 

the gym. Then we brought in the 

acupuncture and then the chiropractor.” 

Jones had these therapies going 

simultaneously for nearly a decade. 

When he outgrew the Brainerd store 

a little over a year ago, he moved to 

his current location on Lee Highway. 

With the added space, he has added 

a massive list of specialty therapies – 

stillpoint, egoscue posture, foot 

detox, sound therapy, EFT therapy, 

rolfing and more. Jones even has a 

physician, Dr. Terry Smith, who primarily 

works at Erlanger but comes to 

Nutrition World once a month for 

consultations. 

“He has the ability to balance 

both the conventional world and the 

nutritional world,” says Jones, which 

is a hard concept for many in the 

medical field and the general public 

to grasp. 

The American mind has been 

trained to seek medicines for specific 

conditions, such as pain and high 

cholesterol. These treatments are 

often much easier to understand than 

Ed Jones, owner of Nutrition World, says that 70 to 80 percent of people are “horribly 

deficient” in vitamin D. He recommends getting a blood test to check your level 

before taking supplements, however, because too much vitamin D is just as harmful 

as not enough. (Samara Litvack) 

the notion of the human body healing 

itself naturally. 

“The one thing in Tennessee 

that limits us, and I think the one 

thing that would change the whole 

face of healing and health, is the fact 

that we outlawed naturopathic medicine,” 

he says. “Naturopathy’s whole 

philosophical basis is that the body 

has the ability to heal, if you figure 

out what it’s missing, or what it has 

too much of, or too little of, and you 

balance the body.” 

Naturopathy is still practiced in 

several states, giving practitioners the 

right to do everything a physician 

does except write prescriptions and 

perform surgery. Naturopathic medicine 

encompasses the whole picture 

of health – physical, mental and 

emotional – and focuses on the overall 

wellness of the body. 

Jones references a recent case in 

Hohenwald, Tenn., where a man was 

fined $1 million for providing nutritional 

counseling to customers at his 

health food store. Dr. Larry Rawdon, 

a licensed pharmacist, was advising a 

customer who suffered from stage 

four pancreatic cancer – a level few 

people, if any, ever survive. The 

patient had undergone radiation to 

no avail, so Rawdon recommended a 

nutritional plan that actually 

increased his energy level for the first 

time in years. When the patient 

passed away, his widow sued 

Rawdon, resulting in one of the most 

controversial cases to hit the state 

since naturopathy was banned in 

1950. 

“There’s never been, at this 

point, enough concentrated money 

or effort to overturn that legislation, 

but it’s coming very soon, I really 

believe,” says Jones. He hopes that 

this case will spark public interest and 

Nightfall concert series brings a variety of people downtown 


Wonderful weather and sweet, 

soulful music brought droves of 

Chattanoogans to Miller Park for 

the May 23 kickoff of the Nightfall 

Concert Series. Hundreds of motorcycles 

lined the entire block of MLK 

Boulevard and Broad Street as people 

of all ages and walks of life blended 

together to jumpstart their 

Memorial Day weekend. 

The festivities began at 7:00 

p.m. with local favorite the 

Dismembered Tennesseans, a group 

of McCallie School alumni that 

have been performing old style bluegrass 

together for 60 years. The band 

has played nationwide and has been 

featured on such shows as the “Peter 

Jennings Nightly News.” 

At 8:00, the Mike Farris Band 

took the stage. Farris, former front 

man for the Screamin’ Cheetah 

Wheelies, led the 10-piece band in a 

spiritual, soulful performance that 

kept the massive Nightfall crowd on 

its feet until they wrapped up the 

show. 

Northshore residents Ken 

Fleming and Sam Deaton watched 

the performances from the sidelines. 

Fleming, who relocated to 

Chattanooga from New York, said 

Northshore residents Ken Fleming and Sam Deaton came to the first Nightfall 

Concert of 2008. The friends said they enjoy the free concert series and plan to 

attend again over the summer. (Samara Litvack) 

he thoroughly enjoys the summertime 

nightlife that downtown has to 

offer. “Every weekend, there’s lots of 

concerts and festivals. Every weekend 

there’s something going on,” he 

said. 

Deaton, who moved to 

Chattanooga from Spain earlier this 

year, said he couldn’t believe something 

like Nightfall happened every 

night of the summer. “It’s like a 

whole music festival. It’s amazing,” 

he said. “I love it here. It’s a great 

event.” 

While Fleming, Deaton and 

other 20- and 30-somethings hit the 

ticket and drink booths and enjoyed 

the nightlife, hundreds of people 

walked up and down Broad Street 

and MLK Boulevard admiring the 

rows of motorcycles. 

Kevin Fisher stood proudly by 

his 2008 Suzuki Hayabusa as people 

took pictures and videos and 

admired his helmet. The 

Chattanooga resident said he comes 

to Nightfall every Friday he can. He 

enjoys meeting all kinds of people 

and seeing the different bikes, and 

loves talking about his Suzuki to anyone 

who wants to hear. 

“I had an ’06 GSXR 1000 and 

it got stolen last year at Panama City 

during bike week,” he said, with a 

laugh. “I thought about getting a 

new ’07 1000 and I heard so much 

about these I decided to wait. So I 

just (went) all year without a bike all 

year last year. When these came out, 

I walked on the showroom and was 

like, ‘yeah, that’s it.’ It’s a whole lot 

more comfortable than that 1000.” 

While Nightfall is the perfect 

local hangout for bike riders and 

admirers, it’s also a prime location for 

a family outing. Nicole Lopez and 

her friend, Laura Mills, took their 

sons, 18 months and 5 months old, 

out for the beginning of the summer 

long celebration. 

Lopez says her son got to come 

to a few shows last summer and she 

plans to bring him out this summer 

as much as she can. “(The kids) 

enjoy the music and a lot of times 

they enjoy looking at all the motorcycles 

and stuff,” she said. Regarding 

which types of music her family likes 

most, she explained they don’t really 

have a preference. They simply 

check the Internet to see who’s playing, 

sample the music online and 

come check out the artists that spark 

their interest. 

“Almost every band that comes 

out here, everybody enjoys it. That’s 

one of the nice things about it,” she 

says. 

The second Nightfall show, featuring 

Karla Bonoff, was just as suc- 

shed some light on the ban. 

“I absolutely, in the bottom of 

my heart know that 99.9 percent of 

us have the ability to heal within us. 

We don’t lack a drug. We don’t have 

a deficiency of valium, that’s why we 

don’t sleep,” he says. “The whole key 

is trying to balance the body and give 

it back what it wants and needs to 

begin with. It’ll fix itself. 

“And crisis management is 

wonderful. I don’t want to be in a 

world without emergency rooms and 

antibiotics when I get pneumonia or 

something else. But that’s only about 

5 to 10 percent of the problems. The 

other 90 percent can be addressed by 

another kind of concept.” 

And since naturopathy is illegal 

in Tennessee, Jones has to be careful 

how he distributes his message of 

wellness. He doesn’t claim to cure 

diseases or treat illnesses. He only 

shares the wealth of knowledge that 

he has acquired in his 29 years in the 

industry, all in hopes of teaching people 

how to be more in tune with their 

bodies’ needs. 

“Most people know a lot more 

about their computer and how to 

keep it running and how to operate it 

than they ever do their body,” he 

says. “It’s now time that we embrace 

the human body as much as we do a 

computer. As complex as a computer 

is, we all figured it out. Our bodies are 

not that awful complex.” 

Visit www.nutritionworld.com 

for more information on the many 

services offered at Nutrition World, 

or to subscribe to Jones’s informative 

monthly email. ❖ 

cessful. The singer-songwriter, who 

performed at the very first Nightfall 

in 1988, drew an enthusiastic crowd 

for the May 30 performance. 

Opening for Bonoff was Tim Veazey, 

known for his gospel hymns, old spirituals 

and inspirational songs. 

After a two-week break for the 

Riverbend Festival, Nightfall will 

start back up on June 20 and continue 

to bring vitality to Miller Park and 

downtown Chattanooga through 

the end of September. 

Corporate sponsors for this 

year’s series are Fletcher Bright 

Company, UNITRIN, Northwest 

Georgia Bank, Bud Light, Southern 

Powersports, Food Lion, Kelly Auto 

Group, Fox 61 and NPR/Music 88. 

For more information about this free 

community concert series, call 423- 

265-0771 or visit www.downtownchattanooga.org 

❖


REAL ESTATE 

HAMILTON COUNTY HERALD 

Briefly... 

Ways to grow 

your market 

share 

RISMEDIA 

Recently, the Pew 

Research Center released a 

study reinforcing the changing 

face of America. According to 

the study, if current trends continue, 

the population of the 

United States will rise to 438 

million in 2050, from 296 million 

in 2005, and 82 percent of 

the increase will be due to immigrants 

arriving from 2005 to 

2050 and their U.S.-born 

descendants. 

Organizations that have 

been successful in tapping into 

the multicultural consumer base 

have utilized three fundamental 

strategies: 

Understand and evaluate 

the demographics of the local 

market. 

It is critically important to 

understand the new economic 

powerbase that is the multicultural 

consumer. Examine their 

country of origin, age segments 

and median household income 

to develop a sound marketing 

plan. 

Develop appropriate products 

and modify service delivery. 

Products and services that 

are relevant and appropriate sell. 

Take into account the nuances 

of the multicultural consumer 

such as multigenerational 

households, religious practices 

or language proficiency. 

Get the right infrastructure 

in place. 

Without the right infrastructure, 

you cannot accommodate 

multicultural customers 

or recruit the right sales professionals. 

The multicultural consumer 

and real estate professional 

requires language, religious 

and philosophical considerations 

if you are going to win 

them both as customers or team 

members. 

Inside... 

BUSINESS INFO 

Real Estate Facts ....14 

Building Permits.......14 

Deeds ......................15 

LEGAL NOTICES 

Public Notice............18 


Bettye Emerson has a 

great view of the Tennessee 

River from inside her home 

on Heritage Landing. On a 

clear day, you could sit for 

hours on the thick grass covering 

the expanse between 

her patio and the banks of 

the waterway watching 

motorboats toss up foamy 

waves. 

But her view extends far 

beyond the grand tributary to 

when the real estate market 

in Chattanooga was very different 

from what it is today. 

As she sits in a brightly lit 

room on the first floor of her 

beautifully fashioned residence, 

she recalls a time 

when she was one of the only 

women in the city selling 

real estate. 

“My husband and I were 

starting a new company and 

we didn’t have any salary 

because we were putting all 

of our money back into the 

business, so he said I should 

go into real estate. I went 

over to the grocery store, 

talked with a broker and she 

told me to come by her office 

the next day,” Emerson says. 

If choosing a new career 

was easy for Emerson, getting 

started had its ups and 

downs. When she entered 

the field of real estate in 

1971, she was only one of a 

handful of women Realtors in 

For Hamilton, Sequatchie, Dade, 

Walker and Catoosa Counties 

Builders, Realtors bridge the gap at WCR luncheon 


The Women’s Council of 

Realtors luncheon meeting 

on June 4 at the headquarters 

of the Homebuilders 

Association of Southern 

Tennessee ran the gamut 

from sobering and silly as the 

organization aimed to 

improve relations between 

builders and Realtors and 

raise money by means of an 

auction. 

The mood up until 

builder Tim McClure of 

McClure Development 

Company took the stand was 

cheerful. About 70 professionals 

from various businesses 

directly or indirectly related 

to home building gathered 

together, spent a few minutes 

networking and then sat 

down to a tasty meal. 

After WCR president 

Paula Palmer brought the 

meeting to order, vice-president 

of membership Chereé 

Dumas sounded the call for 

new members. “We’re a great 

organization of which I’m 

very proud to be a part. I 

invite everyone who isn’t a 

member to ask me for an 

application. We’d love for 

you to join our organization,” 

she said. Membership appli- 

Employees of American Acceptance Mortgage perform a skit highlighting the services 

the company offers. The WCR recognized 16 “super sponsors” during the 

luncheon. (David Laprad) 

Bettye Emerson celebrates 35 years in real estate 

Bettye Emerson was one of only a handful of women Realtors in Chattanooga when 

she entered the field of real estate in 1971. Today, she works with family, friends 

and other clients at Heritage Landing, one of the city’s premiere gated communities. 

(David Laprad) 

Newsletter, 

Page 28 

cations can be downloaded at 

www.wcrchattanooga.com 

(click on “Membership 

Info”). 

Next, WCR super sponsors 

American Acceptance 

Mortgage and Century Title 

& Escrow were given the 

opportunity to make promotional 

presentations before 

the group. Melanie Reeves 

of Century Title, however, 

opted to forego talking about 

the services her company 

offers and instead read a list 

of “little things that mean a 

lot.” 

“I don’t like to follow the 

rules. I never have. So I’m 

going to give you something 

that’s free for the taking. 

With all of the doom and 

gloom in the newspaper 

every day, I wanted to give 

my friends something else,” 

she said. Among the things 

Reeves recommended doing 

were tucking surprise notes 

in lunches and briefcases and 

volunteering without being 

asked. 

The air in the room 

Continued on page 16 

Chattanooga. While this 

made her something of a 

novelty and was therefore 

good for business, disillusionment 

soon washed over her 

as the competitive nature of 

the market reared its ugly 

head. 

Emerson also found herself 

contending with an old 

school attitude engrained in 

some of her male peers who 

weren’t used to working with 

a female agent. When she 

switched over to Huffaker & 

Associates, the senior 

Huffaker sent word through 

his son that he didn’t want 

her in the office because real 

estate was unsuitable work 

for a female. 

Emerson didn’t let these 

small bumps along the road 

to success deter her, though, 

and in 1973, she obtained 

her broker’s license and 

opened Emerson Realty. 

Thirty-five years later, she 

looks with amazement at the 

differences between then and 

now: 

“In the beginning, you 

could write a contract on the 

hood of a car. Today, every- 

Continued on page 16


By Paul Bianchina 

Inman News 

Chattanooga 

BUILDING PERMITS 

CHATTANOOGA 

Commercial Addition 

2001 Curtain Ploe Rd, 37406; 

Pathway Plymers, 2003 Amnicola 

Hwy 37406; Pathway Containment 

Project; $191,200; H&H Brown, 1803 

Polk St 37408 • 33136C-A-400 

Commercial Alteration 

2021 Hamilton Place Blvd, 37421; 

First Bank, 200 4th Ave N, Nashville 

37219; Remodel Exist Space; 

$266,612; Dei Incorporated, 1550 

Kemper Meadow Dr, Cincinnati 

45240 • 33149I-A-131 

201 Broad St, 37402; Alteration; 

$143,009; P&C Construction Inc, 

2500 E 18th St 37404 • 33135K-A- 

900 

1300 Broad St, 37402; 1300 LLC, 

POB 4051 37405; Build Out; 

$155,000; The Strauss Company, 

Inc, 415 Tremont St 37405 • 33145E- 

V-203 

1350 Mackey Branch Dr, 37421; 

1320 Republic Ctr Elder Heale; 

Alteration; $180,000; MPL 

Construction Company, 111 Cedar Ln 

37421 • 331591-A-1405 

3649 Brainerd Rd, 37411; 

Millennium Restaurant, Same; 

Remove/Replace Doors; $1,000; 

Owner • 33157A-F-1400 

2301 Milne St, 37406; Charles L 

Stearns, Jr, POB 292121, Nashville 

37229; Stairs To Balcony Resturant; 

$2,088; Owner • 33146D-D-2900 

1466 Riverside Ddr, 37406; L&M 

Partners, 1011 Riverside Dr 37406; 

Interior Alteration; $14,646; P&C 

Construction Inc, 2500 E 18th St 

37404 • 33136O-A-200 

New Commercial 

5506 Hixson Pk, 37343; R 

Treadway And Cobble; Office/mer- 

If you’re contemplating 

remodeling your kitchen, one 

of the most important aspects 

to take into consideration is 

the cabinets. Certain trends 

are popular right now while 

certain others have lost a little 

of their appeal, which can 

certainly add or subtract 

from your resale value as 

well. 

Keep in mind that your 

cabinets, in addition to being 

a visual focal point for the 

kitchen, are also a sizable 

monetary investment. As 

such, it’s best to stick with 

styles that have a broader, 

more timeless appeal and 

then accessorize around 

them, rather than opting for 

the latest wild trend and 

then facing the expense of 

changing them a couple of 

years later. 

Which woods: For natural 

wood cabinets, there are 

lots of choices in the type of 

wood you use. Oak remains a 

popular choice, with some 

people opting for an upgraded 

look by specifying more 

expensive quarter-sawn 

white oak, traditionally used 

in Mission-style furniture, 

instead of the more common 

plain-sawn red oak. 

Cherry remains a popular 

wood for kitchen cabinets, 

with a deep, rich color. 

Maple is also still popular, as 

is alder. At the higher end, in 

addition to the quarter-sawn 

white oak there are woods 

such as knotty chestnut and 

red birch. 

Again for those looking 

for something more unusual, 

cantile; $600,000; Pointe General 

Contractor, 3935 Volunteer Dr 37416 

• 33100K-B-802 

1254 E 3rd St, 37404; City Of Chatt, 

City Hall 37402; Sewer Related Bldg 

For City; $50,000; Haren 

Construction Co, POB 350, Etowah 

37331 • 33146G-A-100 

130 Old Signal Mountian, 37405; 

The Woodward Group, LLC, 7407 

Royal Harbour Cir, Ooltewah 37363; 

Footing, foundations, retaining Wall, 

Car Wash; $45,000; Wise 

Construction, POB 4261 37405 • 

33126B-A-600 

2114 Gunbarrel Rd, 37421; 

Tennessee Equities Inc, 1 Sleiman 

Pkwy, Ste 240, Jacksonville 32216; 

20x30 Tent; $465; Activity Rentals, 

6237 Vance Rd 37421 • 33149I-B- 

105 

New Residential 

1298 Quiet Pond Dr, 37415; 

Signature Land Co, LLC, 6415-A 

Hixson Pike, Hixson 37343; Single 

Family Residence; $400,000; 

Signature Land Co, Same • 33127B- 

D-2200 

6120 Colony Cir- Hixson, 37343; 

Thomas Woodward, 1569 Bagwell, 

Hixson 37343; Manufactured Home; 

$85,000; Owner • 33090E-B-800 

750 Windrush Lp, 37421; Arthur 

Construction And Home, POB 826, 

Ringgold 30736; Single Family 

Residence; $155,000; Arthur 

Construction, Same • 33171J-G-3100 

914 Reunion Dr, 37421; Pratt And 

Associates, 179 Hamm Rd 37405; 

Single Family Residence; $275,000; 

Pratt And Associates, Same • 

33171G-A-250 


there is the option of running 

the grain of the wood 

horizontally instead of the 

more traditional vertical orientation. 

With any of these woods, 

popular finishes include natural 

(no stain added before 

the final clear coat is 

applied), and light to medium 

stains. For the most part, 

dark stains are not really 

popular. 

A color instead: 

Thinking of painted cabinets 

instead of natural wood? 

White is still hanging around 

to some degree, although it’s 

definitely diminished in popularity. 

In its place are softer 

earth tones, as well as pale 

green and pale yellow. 

If you’re looking to make 

a statement, at the other end 

of the color spectrum, some 

people are opting for deep 

blues and reds and even 

black. 

Keep it organized: One 

definite trend in kitchens is 

that people want the room to 

be very functional in addition 

to decorative. Kitchen 

users want things at their fingertips, 

and that has led to 

popularity of some of the 

many organizational accessories 

and systems currently 

available — many of which 

can easily be added to stock, 

modular cabinets. 

Larger storage areas are 

popular, and some designers 

are choosing to combine food 

and dishes in the same cabinet 

— grab some chips and 

bowl to put them in at the 

same time. 

More visible kitchens: 

With the popular trend of 


Single Family Residence; $180,810; 

Pratt And Associates, Same • 

33171G-K-005 



Single Family Residence; $190,050; 

Pratt And Associates, Same 37405 • 

33171G-A-232 

1812 Terri Lynn Dr, 37421; Danielle 

N & Michael Herston, 1807 Gray Rd 

37421; Single Family Residence; 

$122,000; Earl Smith Home Builders, 

7014 Georgetown Rd, Ooltewah 

37360 • 33159A-D-1401 

761 Shearer Cove Rd, 37405; Pratt 

And Associates, 179 Hamm Rd 


$227,780; Pratt And Associates, 

Same • 33117C-F-600 

792 Shearer Cove Rd, 37405; Pratt 

And Associates, 179 Hamm Rd 


$198,000; Pratt And Associates, 

Same • 33117C-D-1200 

2607 E 46th St, 37407; Faith 

Holdings, POB 1403, Collegedale 


$70,000; Michael O Early, POB 363, 

Ooltewah 37363 • 33168I-G-1000 

1800 Madison St, 37408; Chatt 

Neighborhood Enterp, 1301 Market 

St, Ste 100 37402; Single Family 

Residence; $199,022; Ethan Collier 

Const, 250 Signal Rd 37405 • 

3314M-S-1100 

1802 Madison St, 37408; Christian 

Rushing, 420 Broad St, Ste 203 


$198,236; Ethan Collier Const, 250 

Signal Rd 37405 • 33145M-S-1000 

4874 Hamillville Ct- Hixson, 37343; 

James S And Leann L Cordell, 2354 

Hamill Rd, Hixson 37343; Single 

opening the kitchen up to 

the rest of the house, cabinets 

are more on display than 

ever before. This has had the 

effect of several design 

changes in the kitchen. 

Lighting is more unified 

with the surrounding rooms, 

and light fixtures are tending 

toward the decorative in 

addition to their functionality. 

Kitchen flooring is also a 

major consideration, as it 

tends to intersect the flooring 

in other rooms over a 

much broader area. 

As part of that increased 

visibility, more kitchens are 

incorporating display cabinets. 

These are typically 

upper cabinets with clear or 

patterned glass doors, often 

with built-in lighting, that 

make it easy to display anything 

from Grandma’s china 

to your salt and pepper shaker 

collection. 

Stand up tall: With the 

open kitchen trend, there 

still needs to be some definition 

of the space between the 

kitchen and the adjoining 

rooms. Toward that end, you 

will find cabinet runs that 

are being anchored by tallerthan-normal 

lower cabinets 

at one end — typically 42 

inches instead of 36 — which 

helps keep the kitchen from 

looking like it ends in the 

middle of nowhere. 

Taller cabinets also offer 

more storage opportunities 

and can accommodate elevated 

dishwashers as well. 

Furniture influences: 

There is also a definite furniture 

influence in kitchen 

cabinets these days. This 

includes lower cabinets that 

Family Residence; $150,000; Scotty 

Cordell Const, 2354 Hamill Rd, 

Hixson 37343 • 33110J-G-502 

Residential Addition 

3211 Alta Vista Dr, 37411; John 

Paul Jackson, Same; Deck Addn; 

$21,000; Hickman Construction, 

1622 Dallas Lake Rd, Hixson 37343 • 

33156D-J-1700 

5738 Browntown Rd, 37415; 

Barbara Chandler, Same; Front 

Porch Addn; $7,000; Owner • 

33090—10900 

4675 Gann Store Rd- Hixson, 

37343; Dematteo Damian And 

Shirley, 4837 Woodland Cir, Hixson 

37343; Addn Inground Pool; $12,500; 

Tracy Cooke Construction, 4020 

Breakwater Dr, Hixson 37343 • 

33110—4405 

6808 Ty Hi Dr, 37421; Haynes Robert 

G, Same; Garage Addn; $35,000; 

Owner • 33139H-C-300 

Residential Alteration 

3574 Enclave Bay Dr, 37415; David 

E Patterson, 5520 Hwy 153, Hixson 

37343; Screen In Porch; $10,000; 

Mathews Const, POB 15097, Red 

Bank 37415 • 33127B-D-600 

Residential Remodel 

1889 Greenwood Rd, 37406; Chatt 

Housing Authority, POB 1486 37401; 

Residential Remodel; $4,600,000; 

Gentry And Painter Inc, POB 8187 

37411 • 33137I-D-4300 

500 Dodds Ave, 37404; Mc Callie 

School Inc, 2850 Mc Callie Ave 

37404; Roof Replacement; $51,350; 

JD Helton Roofing Co, 25 E 37th St 

37403 • 33146M-C-1300 

1119 Riverfront Pkwy, 37402; ABB 

Alstom Power Inc, Same; Re-roof; 

$58,975; JD Helton Roofing Co, 2500 

E 3rd St 37407 • 33145G-A-200 

are mounted on feet (or with 

toe kick areas that imitate 

the look of feet), as well as 

the use of decorative moldings 

on the cabinets in areas 

besides just the traditional 

crown molding. 

Easy personality: If you 

want a distinctive look in 

your kitchen without resorting 

to blue or black cabinets, 

you can easily dress up any 

kitchen to reflect your indi- 

You’d have to be living 

on another planet if you 

haven’t heard reports of subprime 

mortgages and their 

effect on the real estate 

industry. If you’re planning 

to buy a home, it’s apparent 

that loan qualification these 

days is more challenging. 

Sellers also feel the effect 

from fewer qualified buyers 

who can make a confident, 

full price offer. 

In preparing a loan 

application, the most critical 

factor is usually your 

FICO score (developed by 

the Fair Isaac Corporation). 

You may be aware that your 

score can range from 300 to 

850 points, and that your 

score affects your terms and 

interest rate. However, 

there are some details you 

may find interesting. 

You don’t have simply 

one score, you have three - 

one from each credit report- 

viduality simply through the 

knobs you choose. Options 

abound, from tiny silverware 

to brightly colored balls to 

elegant stainless steel shapes. 

And you can always change 

the knobs later for a quick 

makeover that won’t break 

the bank. 

Remodeling and repair 

questions? E-mail Paul at 

paul2887@ykwc.net. ❖ 

Real Estate 

Facts 

By Elwynn Schwartz 

Hello, FICO! 

409 Bardwood Ln- Hixson, 37343; 

C/O EMC Mortgage Corp; 

Remove/Replace Roof, siding, int 

Paint; $21,000; Mountain City Const, 

471 East View Dr 37404 • 33109K-B- 

103 

600 Tunnel Blvd, 37411; Ron 

Guster, 1810 SW Wallace Rd, Atlanta 

30331; Repair Sheetrook, roof, Etc; 

$2,500; Reed Construction, 4807 

Fairwood Ln 37416 • 33147I-K-700 

6720 Big Ridge Rd- Hixson, 37343; 

Replace Roof, repair Decking; 

$2,000; Owner • 33101J-A-200 

731 Nississippi Ave, 37405; 

Replace Kit; $65,000; HGH 

Construction, LLC, 1426 Williams St 

37408 • 33126M-Q-1500 

4015 12th Ave, 37407; William 

Brenton Roberts, 304 Marlboro Ave 

37411; Remodel, paint, drywall, carpet; 

$7,500; Owner • 33168G-G-1200 

5006 St Elmo Ave, 37409; John 

Gallerie, Same; Replace Porch, roof 

To Match Brick; $6,000; Owner • 

33167J-C-1800 

4024 St Elmo Ave, 37409; Jonathan 

D And Ann Sargent, Same; Gen 

Repairs To Residence; $18,000; 

Owner • 33155O-L-1200 

4116 Tennessee Ave, 37409; 

Exterior Renovation; $2,000; Owner • 

33167B-F-1700 

4107 Tennessee Ave, 37409; 4107 

Tennessee Avenue Land T; Roof, drywalling, 

painting; $10,000; Owner • 

33155O-K-300 

3814 Arrowrock Rd, 37406; Sims 

And Edith W Bledsoe, POB 8802 

37411; Remove/Replace Fire 

Damage; $15,000; Mathews Const, 

POB 15097, Red Bank 37415 • 

33128M-E-2100 ❖ 

Handy at home: Analyzing the latest trends in kitchen cabinets 

ing bureau (Equifax, 

Experian and TransUnion), 

and each score may differ by 

as many as 100 points. Your 

score is formulated from 

percentages of five different 

factors: your payment history 

(35 percent), your debt 

(30 percent), length of your 

credit history (15 percent), 

your credit types (10 percent), 

and any newly issued 

credit (10 percent). 

In order to qualify for a 

“prime” loan, you’ll need a 

FICO score of at least 620, 

but you’ll get the best terms 

and interest rate if your 

score is above 720. Your 

best bet is to check your 

scores and reported history 

well in advance of a planned 

purchase. 

Elwynn Schwartz is the 

owner of Realty Executives in 

Chattanooga. She may be 

reached at 423-894-3050. ❖


DEEDS WITH CONSIDERATION OF $150,000 OR MORE MAY 26-30, 2008 

Grantor Grantee Address Legal Description Parcel # Price 

Strang, Cheryl E; Strang, James M Jr Brown, Elizabeth B; Brown, Hugh E 650 High Pasture Signal Mountain 089F B 012 $925,000 

Oliver Tr, John L; Oliver Tr, Joyce Faye; 

Oliver, John L; Oliver, Joyce Faye; 

Revocable Trust Agreement Of John L 

Oliver; Revocable Trust Agreement Of 

Joyce Faye Oliver 

Prestige Properties 2833 Dayton Blvd Red Bank 117L K 014 $900,000 

Matheny, W H Leo Shull Harris Construction LLC 3370 Jenkins Rd L:1 H Crocketts Add To Jenkins Rd 


149C B 010.06 $745,000 

Wal-Mart Real Estate Business Trust Murphy Oil Usa Inc 310 Greenway View Dr L:1A Wal-Mart Supercenter Chattanooga 157M A 010.01 $672,818 

Lathrom, Shawn H Smith, Catherine; Smith, Michael J 10096 Deer Ridge Dr L:82 Deer Ridge Ooltewah 161A D 007 $520,000 

Mann, Colleen; Mann, Thomas G Rodgers, Geoffrey F; Rodgers, Margaret 

W 

Chattanooga 137P C 015 $515,000 

McClure Construction Co LLC Bayles, Anita E; Bayles, Richard D L:73 Barrington Pointe 034I E 056 $425,000 

Kinston Southern Properties LLC Muscatell, Donald J 10003 Meadowstone Dr L:65 Bentwood Cove Apison 173A D 0144 $395,988 

Thomas, Angela K; Thomas, Robert A II Greeson, Audra Christine; Greeson, 

Jeffrey L 

8469 Rambling Rose Dr L:78 Hampton Creek Ooltewah 103M F 030 $395,000 

Ijg Inc; Ival Goldstein Properties Inc Ottinger, Curtis L; Pettit, James H L:633 Whisper Creek 172J A 003 $370,551 

Fine Homes Inc Eilers, Angela Marlene; Eilers, Gary 

Joseph 

Cohen, Shirley J; Cohen, Stuart J Shanthaveerappa, Harsha; 

Shanthaveerappa, Sushma 

L:392 Meadow Stream 114H E 015 $365,000 

L:66 Heritage Green Chattanooga 171I G 002 $359,500 

Hooton, Mark A; Hooton, Mary Jane Hicks, Wanda B 329 N Palisades Dr L:22; Pt 21, B:20 North Palisades Signal 

Mountain 

1089P D 019 $340,000 

Callaghan, John J; Callaghan, Susan B Hooton, Mark A; Hooton, Mary Jane 4907 Harbor Oaks Ln L:86, Unit:3 Bal Harbor Chattanooga 120J A 021.13 $339,000 

Dupree, Carol Beck; Dupree, Keith Harris, Archie; Harris, Debbie; Harris, 

Evan A; Harris, Sarah 

L:11, Unit:1 Ashley Mill Chattanooga 159J E 025.13 $330,000 

Ezell, Danny F; Ezell, Pamela H Bowers, Monica; Bowers, Scott 1555 Leighton Dr L:44 Brooke Stone Soddy Daisy 034I B 016 $327,500 

Webster, Devony A; Webster, Luther W Hysinger, Frances N; Hysinger, Rodney W 6804 Chiswick Dr L:33; 35 Chiswick Chattanooga 148N B 003.01 $325,000 

Helton, Christel L; Helton, David E Patel, Mayuresh K; Patel, Mittal M 759 Norfolk Green Cir L:52 Heritage Green Chattanooga 171H L 001 $305,000 

Dunkerley, Mary Kathryn K; McKenzie, 

Myra K; McQuiddy, Mary K; Meredith, 

Mary S; Smartt, Samuel R; Smartt, 

Susan K; Taylor, Sally S 

Rodgers, Geoffrey E; Rodgers, Margaret 

W 

Talley, Elizabeth I L:12; Pt 10; Pt 11, B:Q Lookout Mountain 

Property 

167A B 007 $300,000 

Gordon, Richard W; Hundley, Richard H 6815 Chiswick Dr L:8 Chiswick Chattanooga 148N B 003.18 $299,900 

Robinson, Ruth C Preg, Martha A; Preg, Stephen M Jr Unit:56-YI Heritage Landing Chattanooga 136H J 038 $298,000 

Burnette, Glenda; Burnette, Kenny E Sr Pownall, Rebecca 9233 Magic Mtn Dr L:93, Unit:1 Mountain Shadows Estates 


160I C 002 $295,000 

Selman, James A; Selman, Marilyn B Farnsley, Linda; Farnsley, Pat L:28 Crestwood Harbor 050G A 009 $277,500 

Cauthen, Amanda Adams; Cauthen, 

McGregor 

Sprague, Orin T L:201, Unit:6 Hidden Brook 098H D 004 $275,000 

Davidson, Maryann B Love, D Aaron; Love, Kim C L:1, Unit:1 Laurel Creek 080G A 014 $274,600 

Lynes, Robert S Sr Arnold, Joel M; Arnold, Stephanie A 049 082 $272,000 

Jarrell, Tommy Dean II Mott, Eric W 133 024.02 $260,000 

Feldman, Anne M; Feldman, Donald S Howard, Mark A L:10 Brooke Stone 034I C 016 $257,000 

Rich, Stephen Allen; Rich, Vicki Fisher Chen, Lijun; Wu, Chunxia 2493 Triangle Farm Rd L:142, Unit:2 Belleau Woods Chattanooga 159C K 008 $247,000 

Jmb Construction LLC Pugh, Heath C; Rowland, Amanda G L:77 Walnut Run 114J A 065 $245,000 

Ratley, Marion Luke Church, Bradley D; Church, Cristal 

McMillan 

Shupe, James T; Shupe, Jim; Shupe, 

Kathleen 

3214 Stage Run L:6 Old Stage Run Hixson 110D E 016 $241,500 

Tidwell, Barry D L:30 Sunset Estates 066F C 030 $240,000 

Brent Mercer Construction LLC Wyatt, Lindsay E; Wyatt, Mark A L:139 Waterhaven Chattanooga 128G F 014 $239,900 

Jones, Elizabeth Z; Jones, Fred D Cheshire, Denise D; Cheshire, Eric C L:PT 2 J L Varnell 114 011 $238,500 

Demeyere, Anna; Demeyere, Patriek Mj Broadrick, Ashley S; Broadrick, Bruce 

Lambert Jr 

508 Wells St L:23 Fraziers Addition Chattanooga 135D J 007 $235,000 

Sims, Caitlin L Buchanan, Eric L; Buchanan, Margaret H 120 Eveningside Dr L:Pt 26; Pt 27, B:5 Ferger Place Chattanooga 156B C 030 $230,000 

Sunrise Construction Co Inc Moore, Benjamin C; Moore, Meredith E 1539 Courtland Dr L:3 Southland Pointe Hixson 091D E 003 $230,000 

Coleman, Jennifer; Coleman, Michael Weichert Relocation Resources Inc 2621 Churchill Downs Cir L:7 Derby Downs Chattanooga 138E C 006 $223,750 

Newman, James Gary; Newman, Janice 

D 

Hamilton, Donna; Hamilton, Jeffrey C 1812 Blackpowder Ln L:25 Hunters Hollow Soddy Daisy 067K A 011 $220,000 

Jones, Johnny R An, Mi Jung 8654 Sunridge Dr L:105 Sunset Ridge Ooltewah 104C B 006 $217,000 

Brown, Maureen Cartus Financial Corp L:66 Old Stage Run 110D D 014 $215,000 

Cartus Financial Corp; Cendant Mobility 

Financial Corp 

Beck, Linda Diane L:66 Old Stage Run 110D D 014 $215,000 

True North Development Inc Brown, Kelli F L:10 Arbors Chattanooga 139H D 074 $208,500 

Weichert Relocation Resources Inc McArthur, Michael G; McArthur, Tina E 2621 Churchill Downs Cir L:7 Derby Downs Chattanooga 138E C 006 $207,000 

Jetter, Jennifer Irwin, Alison D; Irwin, Todd R L:14; 15 Horseshoe Bend Estates 113L B 016 $205,000 

Schmidt, Greta J; Schmidt, Richard L Neak, Rady; Neak, Saty R 8668 Pershing Rd L:66 Belleau Woods Chattanooga 159C E 005 $200,000 

Hood, James D; Hood, Lonnie R Demartini, Tong C 9638 E Brainerd Rd L:1 Dwayne Harris Chattanooga 172 047 $195,000 

Silvers, Daniel Pendergraph, Laymond; Pendergraph, 

Tiffany 

Turner, John W Payne, Charles G; Payne, Dianne K Unit:C-5 Battery Place Condominiums 


L:223, Unit:8 Flagstone 122G A 003 $193,000 

136P A 005 

C017 

Jones, Doris Claudine; Jones, Jon Stiles, Lois L L:1 Nella Goins Chattanooga 171I D 001 $193,000 

$193,000


WCR Continued from page 13 

shifted when Palmer invited 

McClure to speak about 

crossing the divide between 

builders and Realtors. 

Whereas everyone was laughing 

with Reeves moments 

before, the crowd fell silent 

as McClure talked about how 

builders are running out of 

money because of the elevated 

interest rates they’ve been 

paying on unsold homes. In 

the hopes of surviving the 

current economic downturn, 

McClure urged Realtors to 

become more familiar with 

what’s available on the market 

by taking a tour of newly 

built and unsold houses. 

“You’re the backbone of 

our market. You sell more 

homes than we do. We need 

you guys and girls in a bad 

way. So please help us 

because our money is gone,” 

said McClure. Palmer said 

she’s planning to put together 

an informal tour, possibly 

for an upcoming Friday. 

Teresa Groves, executive 

officer of HBAST, expanded 

on the idea of builders and 

Realtors working together 

during her keynote speech, 

which followed McClure’s 

moment at the podium. For 

her, the best way to make 

that happen is to encourage 

members of the two groups to 

develop relationships. 

“During these (difficult) 

economic times, we have to 

work together as an industry, 

whether you’re a Realtor, 

builder or the owner of a title 

or mortgage company. We’re 

all a part of the housing 

industry, and when one part 

suffers, every part suffers,” 

Groves said. 

According to Groves, 

communication is a key component 

of improving relations 

between the two factions. 

For starters, Realtors 

need to make builders aware 

of the services agents can 

provide and pass on the 

things for which homebuyers 

are looking, she said. This 

will give builders a better 

understanding of why a 

Realtor is an important part 

of the process of selling a 

house and enable them to 

adjust their designs according 

to the needs of the market. 

For their part, Realtors 

can invest some time in 

learning what makes a particular 

home special, said 

Groves. She also suggested 

Realtors take the time to 

approach builders on job 

sites and treat the meeting 

like a job interview during 

which they explain how 

they’d sell both the house 

and the builder. 

At the center of the dispute 

seems to be respect for 

the other profession and how 

the money pie should be 

sliced once a sale is complete. 

Groves urged Realtors 

to be respectful of builders 

and not make disparaging 

comments about their work, 

and said builders need to 

know that Realtors don’t 

pocket all of the commission 

on a sale. In addition, she 

hinted that builders would 

like Realtors to “work with 

them more on commissions” 

and that when a Realtor is 

representing a buyer, more 

sales might result if the 

builder lowers his fees. 

Although her comments 

might not have gone down as 

easy as the spaghetti that had 

disappeared from everyone’s 

plate, Groves received a vigorous 

round of applause as 

she stepped down from the 

stand. 

The atmosphere immediately 

shifted back to electric 

as Nina Boss, owner of 

Century Title and chair of 

the ways and means committee 

of the WCR, launched 

the basket auction. With the 

contents ranging from inno- 

cent (soaps, candles and 

cologne) to mischievous 

(champagne and other 

sundry items for a romantic 

evening), the more than one 

dozen donated baskets sold 

quickly. Karen Flores, WCR 

member and assistant vicepresident 

of Cornerstone 

Community Bank, handled 

the auctioneering with 

humor at wit. 

Good food, powerful networking 

opportunities, a 

willingness to tackle tricky 

issues head on and a healthy 

dose of fun made the luncheon 

a rousing success for the 

WCR. 

All eyes are already looking 

forward to the next 

luncheon, scheduled for 

Sept. 3 at the Clarion. Until 

then, expect the WCR to 

continue to “empower 

women to exercise their 

potential as entrepreneurs 

and industry leaders.” ❖ 

Emerson Continued from page 13 

one needs a computer, printer, 

copier, digital camera, cell 

phone and an understanding 

of the ever-changing forms, 

laws and requirements. I’ve 

had many lockbox keys over 

the years, but today, I have a 

high-tech device that uses a 

laser beam and my personal 

password to open boxes!” 

Even as Emerson marvels 

at the technological 

advancements in her field, 

she says nothing has changed 

at the fundamental level. 

“Sellers want immediate 

results and buyers want to be 

satisfied they’ve bought the 

perfect property at the best 

price,” she says. 

To meet the expectations 

of her clients, Emerson has 

vacuumed, washed dishes, 

folded laundry, cleaned toilets, 

rearranged furniture, 

trimmed shrubs, walked dogs 

and, in order to land a sale, 

paid for windows, a garage 

door, termite treatments and 

a property surveyor. Going 

the extra mile paid off, 

though, as Emerson now 

enjoys life in one of 

Chattanooga’s premiere 

gated communities. 

Currently, Emerson 

works with family, friends 

and other clients at Heritage 

Landing, where she’s lived 

for 22 years. “Heritage 

Landing is the most unique 

condominium property ever 

built in downtown 

Chattanooga. The amenities 

and green space are normally 

found only in retirement villages, 

not in a vital neighborhood 

within walking distance 

of a major metropolitan city.” 

Emerson says “metropolitan 

city” with pride because 

the city she loves and in 

which she grew up was once 

known as a “chili, beans and 

overalls town.” Today, when 

she walks across the Walnut 

Street Bridge and looks in all 

directions, she sees unsurpassed 

natural beauty and 

thriving tourism. 

Be effective in sales by understanding people 

By Dirk Zeller 

To be an effective salesperson, 

you have to understand 

people. You have to 

understand that people buy 

and sell for a set of reasons. 

They also make decisions on 

whom they do that with 

based on their reasons, not 

ours. Being able to read people 

and ask the right questions 

is essential to success. 

Let me share the rules of 

reading people. 

People are egocentric: 

This means they are selffocused. 

They are clearly fixated 

on what’s in it for them. 

If we don’t know what they 

want and link that with the 

benefits of doing business 

with us, we will stumble in 

sales. We all look at the 

world based on how a given 

situation or opportunity 

relates to us personally. 

When we fail to connect the 

dots personally with our customers, 

we are rendered less 

effective. 

People make decisions 

emotionally: Most of us 

decide quickly. Some of us 

gather our facts and information 

previous to making a 

decision. Once we gather 

the necessary data, we move 

to the decision. Even the 

most analytical person will 

make decisions based on a 

feeling, need or emotion. 

These people’s sales 

cycles are longer than others. 

Your job is to identify the 

longer sales cycles and be 

there at the appropriate time. 

We must also send all the 

data beforehand to be digested 

by the customer before 

they meet with us. 

People will justify their 

decisions with reasons: As 

salespeople, we have to give 

the prospect sufficient reason 

to do business with us. This 

frees them to move forward 

in the purchase based on the 

emotional impulse they feel. 

They want to move forward 

but are looking for a little 

security to justify their decision. 

We must provide a 

compelling reason for their 

movement forward now! 

People delay making 

decisions: The longer the 

customer postpones making 

the decision, the lower probability 

the decision will ever 

be made. As salespeople, our 

objective is to provide the 

customer with enough reasons 

to get them to attach 

benefit to our service. Our 

other objective is to encourage 

them and direct them to 

act on it now once they have 

the information. 

The sooner we can provoke 

a decision by the customer, 

the higher the probability 

that it will be in our 

favor. The longer the time 

between when you make your 

presentation and when the 

customer decides, the lower 

the probability of success. 

We must focus to shorten our 

sales cycles. 

People fear losing something: 

The fear of loss is one 

of the most powerful motivators 

for action. People will 

move more quickly to a decision 

if they stand to lose 

something than if they are 

positioned to gain something. 

As salespeople, we need 

to put our compelling reasons 

for action now in terms of 

potential losses to our 

clients. There are two types 

of fear of loss: losing something 

you have and losing 

the chance to have something 

you want. 

“I pass office workers 

with company tags on their 

clothes out for noon-time 

walks, young mothers pushing 

babies in strollers, athletes 

running or bicycling, 

and sons or daughters pushing 

their aging parents in 

wheelchairs. The terrible 

coal haze that hung over our 

town and sent me to the hospital 

when I was 16 is gone,” 

she says. 

“Our skyline has changed 

and is still changing. We 

have remarkable neighborhoods 

in all parts of the 

greater Chattanooga area, 

and in spite of the frustrations 

that come with being a 

Both of these are forefront 

in your customer’s 

thoughts. 

To be effective in sales, 

we really need to master 

understanding people and 

what makes them tick. We 

have to use a full complement 

of techniques to help 

our prospects and clients 

make the right decisions for 

their success. 

Dirk Zeller is an agent, an 

investor, and the President & 

CEO of Real Estate 

Champions. His company 

trains more than 350,000 

real estate agent, it’s still satisfying 

and rewarding when a 

transaction is closed and 

both the buyer and seller 

walk away feeling pleased 

with his or her agent,” says 

Emerson. 

A brief chat with 

Emerson, who has done a 

considerable amount of volunteer 

work for various civic 

and community organizations 

over the years, isn’t enough. 

But it’ll have to do. Perhaps 

someday, when her view 

across time has been extended 

even further, she’ll be able 

to tell the rest of her story — 

including the chapters yet to 

be written. ❖ 

agents worldwide each year 

through live events, online 

training, self-study programs, 

and newsletters. 

He’s the widely published 

author of “Your First Year in 

Real Estate,” “Success as a 

Real Estate Agent for 

Dummies,” “The Champion 

Real Estate Agent,” 

“Telephone Sales for 

Dummies” and over 300 articles 

in print. 

You can get more information 

by visiting 

www.RealEstateChampions.co 

m ❖ 

Foreclosure Placement Services LLC 

Offering assistance to attorneys 

We handle all aspects of the 

placement of trustee sale 

notices in newspapers and 

on the Internet. 

• Guaranteed timely appearance. 

• Placements in Arkansas and Tennessee. 

• Placement on the Internet in accordance 

with Act 1196. 

501-372-1389 

300 S. Izard Street • Little Rock, Arkansas 72201


Three mistakes to avoid when applying for a home equity loan 

RISMEDIA 

A home equity loan can 

be a great resource to homeowners 

who need some extra 

money to do a renovation 

project, pay for college 

tuition, or even make a large 

purchase.However, there are 

three mistakes that you as a 

homeowner might make that, 

if avoided, can make the 

application process run 

smoothly and give you a better 

experience: 

Avoid being unaware of 

the differences between a 

Home Equity Loan and a 

Home Equity Line of Credit. 

It is important that you 

understand the differences 

between the two types of 

How to never do an open house again 

By Craig Proctor 

RISMEDIA 

Industry statistics reveal 

that traditional open houses are 

not very effective at selling 

homes. In fact, less than 1% of 

homes are sold as a result of a 

traditional open house. They’re 

a huge waste of your time and 

effort, and they’re a shameful 

waste of your client’s time and 

effort as well. 

Despite this, thousands of 

agents waste an average of $150- 

$300 (and 3-4 hours of their 

time) every single week advertising 

traditional open houses. This 

is like throwing your hard earned 

money out an open window 99% 

of the time. In the vast majority 

of cases, traditional open houses 

don’t benefit the seller or the 

buyer. They certainly don’t benefit 

you. In fact, the only one 

who benefits is your local paper 

who keeps pocketing your wasted 

advertising dollars. 

Inflation: Winners and losers 

by Lawrence Yun, Chief Economist 

NAR Research 

Inflation 

Recent news on inflation is 

not good. In the first quarter of 

this year, the Consumer Price 

Index posted its highest level in 

years. A story in The Wall 

Street Journal last month carried 

the headline: “Inflation, 

Spanning Globe, is Set to 

Reach Decade High.” We’ve all 

felt the effects in higher costs 

for food, energy, and other consumer 

goods. 

Inflation is rather like a 

“stealth” tax: you have less purchasing 

power when it is high. 

However, if someone is paying 

higher prices, then someone on 

the other side must be receiving 

higher revenues. Many salary 

adjustments are based on the 

consumer price index, and 

entrepreneurs and businesses 

receive higher revenue. 

Mentally, though, people 

believe a rise in income is the 

reward for hard work, and feel 

the rise in consumer prices just 

eats into that hard-earned 

income. So, of course, inflation 

is awful. 

But economists do not like 

inflation for other reasons. 

Large movements in prices distort 

price signals and lead to 

less efficient allocation of 

home equity loans so you will 

know which one is better for 

your situation. A home equity 

loan is paid out in one lump 

sum and it usually has a fixed 

interest rate and term. A 

home equity line of credit, on 

the other hand, can be drawn 

on whenever you need money, 

interest is paid only on the 

amount you borrow, and it 

usually has a variable interest 

rate. Ascertaining how you 

will use the funds, what type 

of interest rates you would 

prefer, and how you can afford 

to repay the loan will force 

you to research these loans 

very carefully and will allow 

you to make the best decision. 

Avoid getting hit with 

unexpected fees. Most fees on 

As a result, the agents I 

teach don’t run traditional open 

houses (and neither should you.) 

What you should do instead 

is conduct a highly effective 

“Tour of Homes.” Just as the 

name suggests, your Tour of 

Homes makes it easier for buyers 

by giving them the opportunity 

to view several homes in one 

afternoon, and represents a great 

way for you to easily showcase 

several of your listings at once. 

Here’s how it works. For a 

Tour of Homes, you advertise the 

tour as running during a set time 

period - for example between 1 

and 3:15 p.m. on Sunday. It is 

typical to put six homes in a similar 

price range on the tour, and 

each home should be “open” for 

a specified 10-minute period 

with an allotment of 15 minutes 

to get from one home to the 

other. (For example, house #1 on 

the tour might be open from 

resources. Lower productivity 

growth holds back the country’s 

economic potential and standard 

of living. 

In the real estate sector, 

however, inflation produces 

distinct winners and losers. 

Let’s take a look at both sides. 

Homeowners Win 

Rising inflation - other 

things being equal - raises people’s 

income and their home 

prices. Usually, the increases 

would be nominal in terms of 

what you actually receive in 

paychecks and the listing price 

you would set to sell your home. 

Of course, we are not in normal 

times. Along with very high 

housing inventory, we have 

CPI inflation and income rising 

by 3 to 4 percent while home 

prices are falling in many local 

markets. But if inflation were to 

really get out of hand and rise 

by 10 percent, then the higher 

associated rise in income would 

help home prices recover in 

nominal terms - though not 

necessarily in real inflation 

adjusted terms. 

Improving home prices 

from rising CPI inflation will in 

general protect homeowners’ 

housing equity, and interestingly 

inflation can help reduce the 

mortgage burden. Fixed-rate 

mortgages are most prevalent in 

home equity loans and lines 

of credit are unavoidable, but 

it is still important to know 

about them, so you are not 

surprised when you are 

charged with them. Common 

fees that are charged on a 

home equity loan include 

closing costs, points, appraisal 

fees, escrow fees, flood certification 

fees, and recording 

fees. Some financial institutions 

will also charge customers 

a prepayment penalty 

fee if they close out the 

account before a certain time 

period - typically within the 

first three years. Home equity 

lines of credit carry most of 

these fees as well, and they 

also tend to have annual fees 

attached to them. Being pre- 

1:00-1:10, house #2 from 1:25- 

1:35 etc.) Prospects are told they 

can meet you at any home on 

the tour at the specified time. 

There are multiple benefits 

of this approach. For your sellers, 

it means that the tour of their 

home only lasts 10-15 minutes, 

so they don’t have to give up a 

whole afternoon of their weekend 

(and neither do you.) More 

importantly, it’s a proven fact 

that the tour format attracts a 

larger number of motivated buyers 

than a traditional open 

house. In my own experience, 

I’ve also found that buyer 

prospects attending the tour are 

better qualified because they 

have chosen to view our client’s 

home at this specific time. Net, 

net, a tour of homes tends to set 

up an auction-like atmosphere 

(multiple buyers all viewing the 

house at one time creates a fear 

of loss in those buyers who are 

interested in the home), which 

the marketplace. That means, 

the vast number of homeowners 

have fixed mortgage monthly 

payments. Higher income with 

fixed mortgage payments is a 

winning combination for 

homeowners. 

Consider a typical U.S. 

homeowner in 1970 - when 

inflation was just picking up. 

She would have purchased a 

typical home for $23,000 (this 

is not a misprint). By 1980, the 

typical home price reached 

$62,200. Family income grew 

from $9,800 (also not a misprint) 

in 1970 to $21,000 by 

1980. 

So, while home prices and 

income grew, the monthly 

mortgage payment would have 

been fixed at $160 per month 

(assuming $23,000 mortgage at 

7.5 percent interest rate). 

While the homeowner was 

undoubtedly angry about rising 

food , energy , and other prices 

back in the 1970s, she was not 

complaining about the mortgage 

payment. 

Homebuyers Lose 

As the homeowner was 

paying relatively low mortgage 

payments, banks and lenders 

must have been maddeningly 

frustrated. But what could the 

lenders do? Contracts are contracts 

and both parties agreed 

pared for these fees will allow 

you to include them in your 

estimate of how much you can 

afford to borrow, so that you 

do not end up owing more 

than you had expected. 

Avoid jumping at the 

offer of a high LTV ratio. The 

loan to value (LTV) ratio is 

the ratio of the amount of 

money you borrow through a 

home equity loan (or mortgage) 

to the value of your 

home. This ratio is considered 

high when it exceeds 80%. 

Sometimes, if you have outstanding 

credit, certain 

lenders who want your business 

will offer you a loan for 

an amount close to or even 

exceeding the amount of 

equity you have in your home. 

ends up benefiting your clients 

in terms of a faster sale and a 

higher price. 

Even if you’re currently 

operating with a small listing 

inventory, you can still conduct, 

and benefit from, a full-fledged 

Tour of Homes. All you need is a 

reasonable inventory you can 

choose from, and there’s no rule 

that says they have to be yours. 

Try this. Approach another 

agent (or two or three) in your 

office and ask if you can “borrow” 

their listings. Specifically, 

ask them if you can open house 

some of their listings this weekend. 

Why would you want to do 

that, they might ask? Well, you 

will explain, it will give you an 

opportunity to get face-to-face 

with some buyers, and in return 

for giving you this opportunity, 

you’ll be giving their listings 

some bonus exposure. 

What you’ll find is that 

to the mortgage terms. 

Not to be burned again, 

the lenders will rightly want to 

compensate for inflation before 

lending again. Mortgage rates - 

no surprise here - rose and rose. 

The average 30-year fixed 

mortgage rate rose from 7 percent 

in 1970 to 14 percent by 

1980. It increased further, hitting 

a peak at 18.5 percent in 

October 1981. At such a rate, it 

would have taken 18 years to 

lower the principal balance by 

just 10 percent. 

At such high interest rates, 

who would want to buy a home? 

Home sales, not surprisingly, 

fell big time. Home sales activity 

was essentially cut in half. 

Lessons 

Yes, the current inflation 

rate is uncomfortable. But actually 

it is not very high. CPI has 

been rising at better than 4 percent 

over the past 12 months. 

That is well above the Fed’s 

comfort zone of about 2.0 to 2.5 

percent preferred inflation rate. 

The current economic weakness 

will likely help moderate 

inflation going forward. But the 

weak dollar, high commodity 

prices, and elevated gold prices 

all signal inflationary concerns. 

Once out of the box, inflation 

is hard to put back other than 

by sharply raising 

The interest and any fees you 

might be charged can take a 

high LTV loan above the 

value of your home, making 

the excess amount an unsecured 

loan, like a credit card. 

The interest on this amount is 

not tax-deductible, as the 

interest on home equity loans 

and lines of credit usually is. 

(Check with your tax advisor 

for more details.) Only borrow 

what you can afford - do 

not take more money just 

because it is offered to you. 

Being aware of these mistakes 

and knowing how to 

avoid them will certainly get 

you on the road to becoming 

a wise home equity loan shopper. 

❖ 

other agents are usually more 

than happy to let you do this. 

“The Sunday Tour of 

Homes has served as a great 

improvement on the traditional 

open house giving me and my 

team much greater leverage to 

attract a group of buyers versus a 

sporadic flow of tire kickers. This 

serves our listing clients very 

well as we can increase the 

demand for their home and help 

them get it sold for more money 

in less time. 

“The Sunday Tour of 

Homes also allows us to group 

specific homes by category. For 

example, we can now run a tour 

for just short sales and bank 

owned properties, or in contrast, 

a luxury homes tour. The Sunday 

Tour of Homes has been a very 

valuable part of our arsenal and 

serves as a great reason to do 

business with Danny Griffin 

Real Estate versus all other 

options!” - Danny Griffin, MA❖ 

interest rates purposely. 

That could cause a true economic 

recession, as happened 

in the early 1980s. 

Fortunately, that is unlikely 

to occur. The Federal 

Reserve has already cut the Fed 

funds rate deeply. The 30-year 

mortgage rates have barely 

budged, however, given the 

lenders’ concern over inflation. 

It is also quite possible for 

mortgage rates to rise even if 

the Fed cuts its Fed fund rate 

further and the lenders want to 

compensate for inflationary 

risk. 

But I believe there are 

plenty of monetary stimuli 

already in the system to forestall 

any major concerns. As I 

have suggested before, what is 

really needed to lift the housing 

market is fiscal stimulus. The 

temporary homebuyer tax credit 

being debated in the House 

of Representative to purchase 

any homes (and not just foreclosed 

homes as is in the Senate 

proposal) is the appropriate 

medicine at this time - not only 

to the housing market, but for 

the broader economy. A housing 

recovery will help spur a 

true economic recovery. That 

will certainly help wash away 

any bad taste from our current 

inflation levels. ❖



PUBLIC NOTICES 

NOTICE OF TRUSTEE’S SALE 

WHEREAS, default has occurred in the performance 

of the covenants, terms, and conditions 

of a Deed of Trust Note dated June 21, 

2005, and the Deed of Trust of even date 

securing the same, recorded July 7, 2005, at 

Book GI 7592, Page 961 in Office of the 

Register of Deeds for Hamilton County, 

Tennessee, executed by Stacy K. Prater, conveying 

certain property therein described to 

EquiTitle, Inc. as Trustee for Mortgage 

Electronic Registration Systems, Inc., as a 

separate corporation that is acting solely as a 

nominee for First American Equity Corp. and 

First American Equity Corp.’s successors and 

assigns; and the undersigned, Shellie Wallace 

of Wilson & Associates, P.L.L.C., having been 

appointed Successor Trustee. 

NOW, THEREFORE, notice is hereby given 

that the entire indebtedness has been declared 

due and payable; and that an agent of Shellie 

Wallace of Wilson & Associates, P.L.L.C., as 

Successor Trustee, by virtue of the power, 

duty, and authority vested in and imposed 

upon said Successor Trustee will, on June 23, 

2008 on or about 3:00 P.M., at the Hamilton 

County Courthouse, Chattanooga, Tennessee, 

offer for sale certain property hereinafter 

described to the highest bidder FOR CASH, 

free from the statutory right of redemption, 

homestead, dower, and all other exemptions 

which are expressly waived in the Deed of 

Trust, said property being real estate situated 

in Hamilton County, Tennessee, and being 

more particularly described as follows: 

Located in the City of Chattanooga, Hamilton 

County, Lot Four (4), Block C, amended plat 

of J.F. Bork’s Mountain View Addition to East 

Brainerd as shown by plat recorded in Plat 

Book 14, Page 72, in the Register’s Office of 

Hamilton County, Tennessee. Being the same 

property conveyed to Stacy K. Prater by Deed 

from Rita Underwood and husband, Greg 

Underwood, dated 07/19/02 and recorded in 

Book 6312, Page 20, in the Register’s Office 

of Hamilton County, Tennessee. Subject to 

building setback lines as per recorded plat. 

Subject to building setback line as set out in 

Deed Book 804, Page 697, as adopted in Deed 

Book 1607, Page 114, said Register’s Office, 

but omitting any covenant or restriction based 

on race, color, religion, sex, handicap, familial 

status or national origin unless and only to the 

extent that said covenant (a) is exempt under 

Chapter 42, Section 3607 of the United States 

Code or (b) relates to handicap but does not 

discriminate against handicapped persons. 

Subject to any governmental zoning and subdivision 

ordinances or regulations in effect 

thereon. Commonly known as 1350 N. 

Concord Road, Chattanooga, TN 37421. 

ALSO KNOWN AS: 1350 N. Concord Road, 

Chattanooga, Tennessee 37421 

This sale is subject to all matters shown on 

any applicable recorded plat; any unpaid 

taxes; any restrictive covenants, easements, or 

setback lines that may be applicable; any 

statutory rights of redemption of any governmental 

agency, state or federal; any prior liens 

or encumbrances as well as any priority created 

by a fixture filing; and to any matter that 

an accurate survey of the premises might disclose. 

In addition, the following parties may 

claim an interest in the above-referenced property: 

Stacy K. Prater; Wells Fargo Financial 

Bank 

The sale held pursuant to this Notice may be 

rescinded at the Successor Trustee’s option at 

any time. The right is reserved to adjourn the 

day of the sale to another day, time, and place 

certain without further publication, upon 

announcement at the time and place for the 

sale set forth above. W&A No. 717-139313 

DATED May 23, 2008. 

WILSON & ASSOCIATES, P.L.L.C., 

Successor Trustee 

By: Shellie Wallace 

HCH3T-5/30,6/6,6/13/08 

FOR SALE INFORMATION, VISIT 

WWW.MYFIR.COM 

and WWW.REALTYTRAC.COM 




of a Deed of Trust Note dated May 9, 


securing the same, recorded May 12, 2005, at 



Tennessee, executed by Dolores I. Taylor and 

Francis G. Taylor, conveying certain property 

therein described to Amy Ward as Trustee for 

CitiFinancial, Inc.; and the undersigned, 

Shellie Wallace of Wilson & Associates, 

P.L.L.C., having been appointed Successor 

Trustee. 


















All that certain parcel of land in Third Civil 

District, Hamilton County, State of TN, as 

more fully described in Book 2815, Page 693 

ID# 67L-A-9, being known and designated as 

Lot 1 Sneed Subdivision, Filed in Plat Book 

36 at Page 100. Being the same property conveyed 

by Fee Simple deed from Trewitt 

Sneed, Executor of the Estate of Luther 

Melton Sneed, Deceased, Widower of Mary 

Sneed, Deceased to Francis G. Taylor and 

wife, Dolores I Taylor, Dated 03/31/1982 

Recorded on 04/01/1982 in Book 2815 Page 

693 in Hamilton County Records, State of TN. 

ALSO KNOWN AS: 10518 Collins Road, 

Soddy Daisy, Tennessee 37379 












Dolores I. Taylor; Francis G. Taylor 












HCH3T-5/30,6/6,6/13/08 


WWW.MYFIR.COM 





of a Deed of Trust Note dated August 1, 


securing the same, recorded August 2, 2007, 

at Book GI 8425, Page 950 in Office of the 


Tennessee, executed by Jeffrey C. Dorsa and 

Susan C. Dorsa, conveying certain property 

therein described to Arnold M. Weiss, Esq. as 

Trustee for Wells Fargo Bank N.A.; and the 

undersigned, Shellie Wallace of Wilson & 

Associates, P.L.L.C., having been appointed 

Successor Trustee. 


















In the Second Civil District, Hamilton County, 

Tennessee: Lot Three Hundred Sixty-Four 

(364), Flagstone Subdivision, Unit Twelve 

(12), as shown by plat of record in Plat Book 

52, page 142, in the Register’s Office of 

Hamilton County, Tennessee. Subject to any 

governmental zoning and subdivision ordinances 

or regulations in effect thereon. 

Subject to easements and stipulations as 

shown on said plat. Subject to Restrictive 

Covenants of record in Book 4173, Page 601, 

as adopted in book 4409, Page 812 in the 

Register’s Office of Hamilton County, 

Tennessee, but omitting any covenant, condition 

or restriction based on race, color, religion, 

sex, handicap, familial status or national 

origin as provided in 42 U.S.C. Section 3604 

unless and only to the extent that said 

covenant (a) is not in violation of state or federal 

law (b) is exempt under 42 U.S.C. 

Section 3607 or (c) relates to a handicap, but 

does not discriminate against handicap people. 

Subject to 5-foot Drainage and Utility 

Easements along the side and rear lot lines as 

reserved in document of record in Book 4173, 

Page 601, in the Register’s Office of Hamilton 

County, Tennessee. Subject to conditions, 

restrictions, reservations, limitations, easements, 

etc, as set out in instrument of Book 

3251, Page 810, in the Register’s Office of 

Hamilton County, Tennessee, but omitting any 

covenant, condition or restriction based on 

race, color, religion, sex, handicap, familial 

status or national origin as provided in 42 

U.S.C. Section 3604 unless and only to the 

extent that said covenant (a) is not in violation 

of state or federal law (b) is exempt under 42 

U.S.C. Section 3607 or (c) relates to a handicap, 

but does not discriminate against handicap 

people. Subject to Easement of record in 

Book 3360, Page 312 in said Register’s 

Office. 

ALSO KNOWN AS: 6127 Flag Point Drive, 

Ooltewah, Tennessee 37363 












Jeffrey C. Dorsa; Susan C. Dorsa 












HCH3T-5/30,6/6,6/13/08 


WWW.MYFIR.COM 





of a Deed of Trust Note dated December 

31, 1998, and the Deed of Trust of even date 

securing the same, recorded January 11, 1999, 

at Book GI 5265, Page 461 in Office of the 


Tennessee, executed by Robert Craig Long 

and Elizabeth Long, conveying certain property 

therein described to Peter C. Ensign as 

Trustee for Delaware Savings Bank, F.S.B.; 

and the undersigned, Shellie Wallace of 

Wilson & Associates, P.L.L.C., having been 



















BEING LOT THREE (3), BLOCK ONE (1), 

SUBDIVISION OF THE EAST HALF OF 

LOT NINE (9), DESABLE HOME PLACE, 

AS SHOWN BY PLAT RECORDED IN 

PLAT BOOK 5, PAGE 49, IN THE REGIS- 

TER’S OFFICE OF HAMILTON COUNTY, 

TENNESSEE. 

ALSO KNOWN AS: 4115 13th Avenue, 













Robert Craig Long; Elizabeth Long 












HCH3T-5/30,6/6,6/13/08 


WWW.MYFIR.COM 





of a Deed of Trust Note dated August 





Tennessee, executed by Carney Brown 

Freeman, III and Angela Beth Freeman, conveying 


Ben H. Colvard, III as Trustee for Mortgage 



nominee for Homeland Capital Group, LLC 

and Homeland Capital Group, LLC’s successors 

and assigns; and the undersigned, Shellie 

Wallace of Wilson & Associates, P.L.L.C., 

having been appointed Successor Trustee. 


















Lot Seventeen (17), Unit Three (3), Bettis 

Acres Subdivision, as shown on plat of record 

in Plat Book 47, Page 347, in the Register’s 

Office of Hamilton County, Tennessee. Being 

the same property conveyed to Angela Beth 

Robinson, by Warranty Deed from Bryan K. 

Robinson and wife, Pamela L. Robinson, 

dated October 31, 2004 and recorded 

November 5, 2003 in Book 6920, Page 565, in 

the Register’s Office for Hamilton County, 

Tennessee. And being the same property conveyed 

to Brian K. Robinson, by Warranty 

Deed from Jimmy C. Bettis and wife, Virginia 

Bettis, dated July 27, 1993 and recorded July 

28, 1993 in Book 4187, Page 343, in the 

Register’s Office for Hamilton County, 

Tennessee. 

ALSO KNOWN AS: 9908 Virginia Kay Lane, 

Harrison, Tennessee 37341 












Carney Brown Freeman , III; Angela 

Beth Freeman; HSBC Bank Nevada, N.A.; 

LVNV Funding LLC 












HCH3T-5/30,6/6,6/13/08 


WWW.MYFIR.COM 





of a Deed of Trust Note dated October 4, 


securing the same, recorded October 6, 2006, 



Tennessee, executed by Grayson 

Addlesberger, conveying certain property 

therein described to First Title Insurance 

Company as Trustee for Mortgage Electronic 

Registration Systems, Inc., as a separate corporation 

that is acting solely as a nominee for 

First Franklin A Division of National City 

Bank and First Franklin A Division of 

National City Bank’s successors and assigns; 





















Located in the Third Civil District of 

Hamilton County, Tennessee: Being Lot 7, 

Hillcrest Estates, Unit 1 of record in Plat 

Book 27, Page 222, said Register’s Office of 

said county to which plan reference is hereby 

made for a more complete legal description. 

For prior title and last instrument of record 

affecting title to the above described property, 

see deed recorded in Book 6791, Page 486, in 

the said Register’s Office. Subject to any 

governmental zoning and subdivision ordinances 

and regulations in effect thereon. 

Subject to building setback line as per plat. 

Subject to all easements, restrictive covenants 

and conditions, and other matters of record, 

including all items set out on any applicable 

plat of record. 

ALSO KNOWN AS: 1038 Hill Crest Road, 

Hixson, Tennessee 37343 












Grayson Addlesberger 












HCH3T-5/30,6/6,6/13/08 


WWW.MYFIR.COM 


SUBSTITUTE TRUSTEE’S SALE 

Sale at public auction will be on June 20, 

2008, at 10:00 am, local time, at the west 

door, Hamilton County Courthouse, 

Chattanooga, Tennessee pursuant to Deed of 

Trust executed by Jerry W. Jarnagin and wife, 

Tara Jarnagin to Real Estate Loan Services, 

Trustee, on September 29, 2003 at Book GI 

6884, Page 940 and conducted by Shapiro & 

Kirsch, LLP, Substitute Trustee, all of record 

in the Hamilton County Register’s Office. 

Owner of Debt: HSBC Mortgage Services, 

Inc. 

The following real estate located in Hamilton 

County, Tennessee, will be sold to the highest 

call bidder subject to all unpaid taxes, prior 

liens and encumbrances of record: 

Described property located in the Second 

Civil District of Hamilton County, Tennessee, 

to wit: 

Lot Seven (7), Block “E” of Castle Park 

Addition as shown by plat recorded in Plat 

Book 15, Page 50, in the Register’s Office of 

Hamilton County, Tennessee, to which plat 

reference is hereby described as a more particular 

description of said property. 

Street Address: 1509 Adair Avenue, East 

Ridge, TN 37412 

Current Owner: Jerry W. Jarnagin and wife, 

Tara Jarnagin 

The street address of the above described 

property is believed to be 1509 Adair Avenue, 

East Ridge, TN 37412, but such address is not 

part of the legal description of the property 

sold herein and in the event of any discrepancy, 

the legal description herein shall control. 

All right of equity of redemption, statutory 

and otherwise, and homestead are expressly 

waived in said Deed of Trust, and the title is 

believed to be good, but the undersigned will 

sell and convey only as Substitute Trustee. 

The right is reserved to adjourn the day of the 

sale to another day, time, and place certain 

without further publication, upon announcement 

at the time and place for the sale set 

forth above. 

If the highest bidder cannot pay the bid within 

twenty-four (24) hours of the sale, the next 

highest bidder, at their highest bid, will be 

deemed the successful bidder. 

This property is being sold with the express 

reservation that the sale is subject to confirmation 

by the lender or trustee. This sale may be 

rescinded at any time. 

This office is a debt collector. This is an 

attempt to collect a debt and any information 

obtained will be used for that purpose. 

Shapiro & Kirsch, LLP Substitute Trustee 

www.kirschattorneys.com 

Law Office of Shapiro & Kirsch, LLP 

6055 Primacy Parkway, Suite 410 

Memphis, TN 38119 

Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-5/30,6/6,6/13/08 

S&K 08-003955 









Tennessee, executed by Jonathon Eric Dixon 

and Amanda Nicole Dixon, conveying certain 

property therein described to Professional 

Title Services, Inc as Trustee for Mortgage 



nominee for First Franklin A Division of 

National City Bank and First Franklin A 

Division of National City Bank’s successors 

and assigns; and the undersigned, Shellie 




















Public Notices Continued from page 18 



In the City of Chattanooga, Hamilton County, 

Tennessee: 

Being a part of the northwest quarter, section 

twenty two (22), Township Six (6), North Two 

(2), South, Range Three (3) West of the Basis 

line, Ocoee District and being a part of the 

property conveyed Jack Rose on April 27, 

1944, and further described as follows: 

Beginning at an iron pipe in the west line of 

Roselawn Drive at the southeast corner of Lot 

11, Roselawn Heights, as shown by plat 

recorded in plat book 14 page 40, Register’s 

Office of Hamilton County, Tennessee, said 

lot conveyed to Roy Clyde Stagle and wife by 

deed dated June 20, 1953; thence north 88 

degrees 57 minutes west along the southern 

line of said lot 11, 95.0 feet to an iron pipe; 

thence south 11 degrees 23 minutes east 193.4 

feet to another iron pipe; thence north 42 

degrees 47 minutes east 150 feet to another 

iron in the west line of Roselawn Drive; 

thence along the west line of Roselawn in a 

northerly direction 90.0 feet to the point of 

beginning. Being the same real estate conveyed 

to Jonathon Dixon and wife, Amanda 

Dixon by C. Leslie Markham Jr. by deed 

dated November 15, 2004 and recorded on 

November 18, 2004 at 1:49 PM in book 7344 

page 357, in the Register’s Office for 

Hamilton County, Tennessee. Subject to any 

governmental and subdivision ordinances or 

regulations in effect thereon. 

Subject to any covenants, conditions, restrictions, 

reservations, or easements of record. 

Subject to restrictions as set out in book 787 

page 429, as affected by Waiver recorded in 

book 1425 page 313 and as affected by waiver 

recorded in book 1368 page 1, in the 


Tennessee, but omitting any covenants or 

restrictions, if any, based upon race, color, 

religion, sex, sexual orientation, familial status, 

marital status, disability, handicap, national 

origin, ancestry, or source of income, as set 

forth in applicable state or federal laws, 

except to the extent that said covenant or 

restriction is permitted by applicable law. 

ALSO KNOWN AS: 1012 Roselawn Drive, 













Jonathon Eric Dixon; Amanda Nicole 

Dixon 












HCH3T-5/30,6/6,6/13/08 


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of a Deed of Trust Note dated November 


securing the same, recorded November 22, 

2004, at Book GI 7346, Page 501 in Office of 

the Register of Deeds for Hamilton County, 

Tennessee, executed by Garnett Martin, conveying 


Rhonda C. Bundy as Trustee for Mortgage 

Electronic Registration Systems Inc., a separate 

corporation acting solely as a nominee for 

People’s Choice Home Loan, Inc., and 

People’s Choice Home Loan, Inc.’s 

Successors and Assigns; and the undersigned, 



Trustee. 


















Lot 2, Bank’s Resubdivision of Block Twelve 

(12), Stewart’s Addition to Ridgedale, of 

record in Plat Book 6, Page 61, in the 


Tennessee. For Prior title see Deed recorded in 


of Hamilton County, Tennessee. This conveyance 

made subject to the following: 

Subject to all notes, stipulations, restrictions, 

easements, conditions, and regulations as set 

out on recorded plat. Any governmental zoning 

and subdivision ordinances in effect there- 

on. 

ALSO KNOWN AS: 2403 Kirby Avenue, 













Garnett Martin; Wachovia Bank 

National Association 












HCH3T-5/30,6/6,6/13/08 


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Trust executed by David L. Roberts and 

Jennifer Roberts to Priority Trustee Services 

of Tennessee, LLC, Trustee, on May 31, 2006 

at Book GI 7986, Page 449 and conducted by 

Shapiro & Kirsch, LLP, Substitute Trustee, all 

of record in the Hamilton County Register’s 

Office. 

Owner of Debt: HSBC Bank USA, National 

Association as Trustee for ACE Securities 

Corp. Home Equity Loan Trust, Series 2006- 

OP2 Asset Backed Pass-Through Certificates 





Described property located in the Third Civil 

District, Hamilton County, Tennessee, to wit: 

Lot One Hundred Seventeen (117), Sequoyah 

Hills, Unit Three (3), as shown on plat of 



Tennessee. 

Street Address: 8523 Ricardo Lane, Hixson, 

TN 37343 

Current Owner: David L. Roberts and Wife, 

Jennifer Roberts 

Other interested parties: Joseph Weeks 


property is believed to be 8523 Ricardo Lane, 

Hixson, TN 37343, but such address is not 













forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-5/30,6/6,6/13/08 

S&K 08-001802 



2008, at 10:00 AM, local time, at the west 



Trust executed by Jason M. Thrash, solely, 

Zona M. Thrash, his wife to First National 

Financial Title Services, Inc., Trustee, on 

November 8, 2007 at Book GI 8529, Page 

678 and conducted by Shapiro & Kirsch, LLP, 

Substitute Trustee, all of record in the 

Hamilton County Register’s Office. 

Owner of Debt: Deutsche Bank National Trust 

Company as Trustee under Pooling and 

Servicing Agreement dated as of January 1, 

2008 Equifirst Loan Securization Trust 2008-1 

Mortgage Pass-Through Certificates Series 

2008-1 





Described property located in Hamilton 

County, Tennessee, to wit: 

Lot 42, Century Company’s Subdivision of 

Lots 35 to 64, Lockwood Heights Subdivision 

No. Three Northern Plateau as by plat of 


Register’s Office for Hamilton County, 

Tennessee, being more particularly described 

as follows: 

Beginning at the intersection of the eastern 

line of Lockwood Drive and the northern line 

of unnamed street, now called Social Circle 

(with said lines extended) thence north along 

east line of Lockwood Drive, 90 feet; thence 

south 87 degrees 43 minutes east 209 feet; 

thence south 12 degrees 19 minutes west 125 

feet to the north line of Social Circle Drive, 

thence west along said north line 190.2 feet to 

the point of beginning. 

Street Address: 3304 Lockwood Drive, 


Current Owner: Jason M. Thrash, solely, Zona 

M. Thrash, his wife 


property is believed to be 3304 Lockwood 

Drive, Chattanooga, TN 37415, but such 

address is not part of the legal description of 

the property sold herein and in the event of 

any discrepancy, the legal description herein 

shall control. 










forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-5/30,6/6,6/13/08 

S&K 08-004879 



2008, at 10:00am, local time, at the west door, 

Hamilton County Courthouse, Chattanooga, 

Tennessee pursuant to Deed of Trust executed 

by Jimmie Birmingham and Stephanie R. 

Birmingham, husband and wife, joint tenants 

with rights of survivorship to EquiTitle, Inc., 

Trustee, on May 22, 2000 at Book GI 5605, 

Page 588 and conducted by Shapiro & Kirsch, 

LLP, Substitute Trustee, all of record in the 


Owner of Debt: CitiFinancial Mortgage 

Company, Inc. 





Described property located in the Second 

(2nd) Civil District of Hamilton County, 

Tennessee, to wit: 

Lot Six (6), a Resubdivision of part of Block 

Two (2), Brookfield Place, as shown by plat 

of record in Plat Book “L”, Volume 29, Page 

487, in the Register’s Office of Hamilton 

County, Tennessee, to which plat reference is 

hereby made for a more particular description 

of said property. 

Street Address: 710 Belvoir Avenue, 


Current Owner: Jimmie Birmingham and 

wife, Stephanie Birmingham 

Other interested parties: MERS, as Nominee 

for Household Finance Corporation, Women’s 

Institute of Specialized Health and Gault 

Financial, LLC 


property is believed to be 710 Belvoir Avenue, 

Chattanooga, TN 37412, but such address is 

not part of the legal description of the property 











at the time and 

place for the sale set forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-5/30,6/6,6/13/08 

S&K 08-004546 




of a Deed of Trust Note dated March 28, 


securing the same, recorded April 2, 2003, at 



Tennessee, executed by Robert L. Bain and 

Leigh A. Bain, conveying certain property 

therein described to Alfred E. Abbey as 

Trustee for Mortgage Electronic Registration 

Systems, Inc., a separate corporation that is 

acting solely as nominee for Advantage 

Investors Mortgage Corporation and 

Advantage Investors Mortgage Corporation’s 

successors and assigns; and the undersigned, 



Trustee. 


















Located in the second civil district of 

Hamilton County, Tennessee: Lot Five 

Hundred Eighty-one (581), Hamilton on 

Hunter Subdivision, Phase 11, as shown by 

plat recorded in Plat Book 67, Page 86, in the 


Tennessee. The source of Grantor’s interest if 

found in Deed recorded in Book 6167, Page 


County, Tennessee. Subject to Restrictions as 

set out in intstrument recorded in Book 6121, 

Page 674, in the Register’s office of Hamilton 

County, Tenneessee. Subject to a 15-foot 

power, communication, sewage and private 

access easement as shown, described or noted 

on recorded plat. Subject to conditions and 

easements recorded in Book 2116, Page 186, 

in the Register’s Office of Hamilton County, 

Tennessee. Subject tot a 10-foot drainage 

easement as shown, described or noted on 

recorded plat. Subject to a 20-foot sewer easement 

as shown, described or noted on recorded 

plat. 

ALSO KNOWN AS: 6151 Veronica Drive, 













Robert L. Bain; Leigh A. Bain; Julian B. 

Bell, d/b/a Bell Enginneering Company, Inc. 








DATED June 2, 2008. 




HCH3T-6/6,6/13,6/20/08 


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Tennessee, executed by James E. Harbin and 

Debbie T. Harbin, conveying certain property 

therein described to Real Estate Loan Services 

of TN, Inc. as Trustee for Mortgage Electronic 



Decision One Mortgage Company LLC and 

Decision One Mortgage Company, LLC’s successors 

and assigns; and the undersigned, 



Trustee. 







upon said Successor Trustee will, on July 7, 











The following described real estate located in 

the Second Civil District of Hamilton County, 

Tennessee: 

Lot Fifty-nine (59), Frost Creek Farms, Phase 

II, as shown by plat of record in Plat Book 52, 

page 39, in the Register’s Office of Hamilton 

County, Tennessee. 

Being the same property conveyed to James 

E. Harbin and wife, Debbie T. Harbin by 

Warranty deed from Rodger J. Piersant and 

wife, Suzanne M. Piersant, Book 6382, Page 

710, dated September 24, 2002, recorded 

September 27, 2002, in the Register’s Office 

of Hamilton County, Tennessee. 

Parcel number: 172CD002 

ALSO KNOWN AS: 9912 Frost Creek Drive, 













James E. Harbin; Debbie T. Harbin; 

Mortgage Electronic Registration System as 

nominee for Decision One Mortgage 

Company, LLC; Decision One Mortgage 

Company, LLC; Internal Revenue Service 












HCH3T-6/6,6/13,6/20/08 


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at Book 4031, Page 435 in Office of the 


Tennessee, executed by Lee S. Cole and Mary 

Cole, conveying certain property therein 

described to Donald R. Baskin, Davidson 

County, TN as Trustee for NationsBanc 

Mortgage Corporation; and the undersigned, 



Trustee. 


















Lot One (1), S.A. Rush’s Resubdivison of 

Lots Sixty (60) to Sixty-Three (63), inclusive, 

of the Loomis Tract, as shown by plat recorded 

in Plat Book 14, page 38, in the Register’s 

Office of Hamilton County, Tennessee. 

Except that part used in rounding the intersection 

of Hoyt Street and Greenwood Road. For 

prior title see deed recorded in Book 2588, 


County, Tennessee. This conveyance is made 

subject to: Public utility easement as shown 

or specified by recorded plat. All applicable 

conditions, restrictions, reservations, easement, 

etc., as set out on said recorded plat. 

ALSO KNOWN AS: 1123 Greenwood Road, 
















Lee S. Cole; Mary Cole; Estate of Lee 

Cole 







sale set forth above. W&A No. 821- 

201048/821-34568 





HCH3T-6/6,6/13,6/20/08 


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Trust executed by James Woodruff and 

Patricia Woodruff, husband and wife to Secure 

Title & Escrow, LLC, Trustee, on October 16, 

2007 at Book GI 8507, Page 540 and conducted 

by Shapiro & Kirsch, LLP, Substitute 

Trustee, all of record in the Hamilton County 

Register’s Office. 

Owner of Debt: Sutton Funding, LLC 





Described property located in the City of 

Chattanooga, Hamilton County, Tennessee, to 

wit: 

Lots Seventeen (17) and Eighteen (18), Block 

Five (5), Biltmore Estates, as shown by plat of 

record in Plat Book 13, pages 18 and 19, in 

the Register’s Office of Hamilton County, 

Tennessee. According to said plat, said two 

lots together form one tract which fronts 102 

feet on the northern line of Old Mission Road 

(West Mission Boulevard) and extends northwardly 

between parallel lines, along the eastern 

line of Woodvale Avenue (Woodmont 

Avenue) , and along the western line of Lot 16 

of said block a distance of 175 feet. Also the 

west nineteen (19) feet of Lot Sixteen (16). 

Street Address: 4701 Old Mission Road, 


Current Owner: James A. Woodruff and wife, 

Patricia A. Woodruff 


property is believed to be 4701 Old Mission 

Road, Chattanooga, TN 37411, but such 














forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-6/6,6/13,6/20/08 

S&K 08-004845 




of a Deed of Trust Note dated July 10, 





Tennessee, executed by Victor W. Watkins 

a/k/a Victor Wayne Watkins and Angelika A. 

Watkins, conveying certain property therein 

described to Frontier Title & Escrow, Inc. as 

Trustee for MERS as nominee for Aegis 

Funding Corporation; and the undersigned, 



Trustee. 


















Lot Two Hundred Thirty-Six (236) Yorktown 

Woods, Unit Five (5) as shown by Plat of 

recorded in Plat Book 29 page 33 in the 

Register’s office of Hamilton County 

Tennessee. Subject to Restrictions as set out in 

instrument recorded in Book 2202, Page 62, 

said Register’s office. Subject to Phone 

Easement as set out on recorded plat. Subject 

to Five foot by Twenty Foot (5’x20’) Anchor 

Easement as set out on record plat. Subject to 

Five (5) foot Drainage Easement as set out on 

recorded plat. Subject to Thirty-Five (35) Foot 

Building setback line as shown by dotted 

lines, or as specified on said plat. Subject to 

any governmental zoning and subdivision 

ordinances or regulations in effect thereon. 

For prior Deed reference see book 3722, Page 

307 in the Register’s Office of Hamilton 

County Tennessee. tax ID 150H-H-005 

Property address: 8261 Tiber Road, 


ALSO KNOWN AS: 8261 Tiber Road, 













Victor W. Watkins a/k/a Victor Wayne 

Watkins; Angelika A. Watkins 












HCH3T-6/6,6/13,6/20/08 


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Tennessee, executed by David C. Heath and 

Bekita M. Heath, conveying certain property 

therein described to Old Republic Title 

Company of Tennessee as Trustee for 

Gateway Bank & Trust; and the undersigned, 



Trustee. 


















All that tract or parcel of land lying and being 

in the Second Civil District of Hamilton 

County, Tennessee, being Lot Seven (7) of 

Hunter’s Bend Subdivision, as shown by plat 

recorded in Plat Book 44, Page 358, in the 


Tennessee. Being the same property conveyed 

by deed recorded in Book 4262, Page 665, in 


Tennessee. This conveyance is made subject 

to the following: Easements and other matters 

on plat recorded in Plat Book 44, Page 358, in 


Tennessee. Restrictions recorded in Book 

3585, Page 668, and any amendments thereto, 


Tennessee. Applicable conditions and easements 

in subdivision regulations recorded in 



ALSO KNOWN AS: 9209 Hunters Bend 

Circle, Ooltewah, Tennessee 37363 












David C. Heath; Bekita M. Heath; 

Gateway Bank & Trust 












HCH3T-6/66/13,6/20/08 


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securing the same, recorded December 8, 

2005, at Book GI 7773, Page 225 in Office of 


Tennessee, executed by James David Hudson 

and Toni L. Hudson, conveying certain property 

therein described to FMLS, Inc. as 

Trustee for AmSouth Bank; and the undersigned, 

Shellie Wallace of Wilson & 




















Situate in the City of Chattanooga, Hamilton 

County, Tennessee: Being Lot 20, Hamilton 

Run Subdivision, as shown by plat of record 

in Plat Book 49, Page 172, Register’s Office 

for Hamilton County, Tennessee, to which plat 

reference is hereby made for a more complete 

description. Being the same property conveyed 

to Paula M. Zachary, by deed from 

Reba S. Bass, unmarried, executed 06/25/99 

and filed for record on 06/29/99 in Book 

5388, Page 831, Register’s Office for 

Hamilton County, Tennessee. Parcel number: 

149A C 001.20 

ALSO KNOWN AS: 7442 Hamilton Run 

Drive, Chattanooga, Tennessee 37421 












James David Hudson; Toni L. Hudson 












HCH3T-6/6,6/13,6/20/08 


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of a Deed of Trust Note dated October 



at Book GI7728, Page 391 in Office of the 


Tennessee, executed by Ginny L. Stokes and 

Robert E. Stokes, conveying certain property 

therein described to Charles E. Tonkin, II A 

Knox County Resident as Trustee for 

Mortgage Electronic Registration Systems, 

Inc. as a separate corporation that is acting 

solely as a nominee for Mortgage Investors 

Group and Mortgage Investors Group’s 

Successors and Assigns; and the undersigned, 



Trustee. 


















IN THE CITY OF CHATTANOOGA, 

HAMILTON COUNTY, TENNESSEE: LOT 

ONE HUNDRED SIXTEEN (116), UNIT 4, 

BRYNEWOOD PARK, AS SHOWN BY 

PLAT RECORDED IN PLAT BOOK 27, 

PAGE 143, IN THE REGISTER’S OFFICE 

OF HAMILTON COUNTY, TENNESSEE. 

REFERENCE IS MADE FOR PRIOR TITLE 

TO DEEDS OF RECORD IN BOOK 4392, 

PAGE 302, AND BOOK 6969, PAGE 232, IN 

THE REGISTER’S OFFICE OF HAMILTON 

COUNTY, TENNESSEE. DESCRIPTION 

SAME AS PRIOR DEED COMMONLY 

KNOWN AS: 1007 BRYNEWOOD PARK 

ROAD, CHATTANOOGA, TN 37415. SUB- 

JECT TO ALL EASEMENTS AND STIPU- 

LATIONS SHOWN ON SAID PLAT SUB- 

JECT TO EASEMENT TO THE CITY OF 

CHATTANOOGA RECORDED IN BOOK 

2654, PAGE 101, SAID REGISTER’S 

OFFICE. SUBJECT TO RESTRICTIONS 

RECORDED IN BOOK 1992, PAGE 956, IN 

SAID REGISTER’S OFFICE, BUT OMIT- 

TING ANY COVENANT OR RESTRIC- 

TION BASED ON RACE, COLOR, RELI- 

GION, SEX, HANDICAP, FAMILIAL STA- 

TUS OR NATIONAL ORIGINAL UNLESS 

AND ONLY TO THE EXTENT THAT SAID 

COVENANT (A) IS EXEMPT UNDER 

CHAPTER 42, SECTION 3607 OF THE 

UNITED STATES CODE OR (B) RELATES 

TO HANDICAP BUT DOES NOT 

DESCRIMINATE AGAINST HANDI- 

CAPPED PERSONS. Parcel number: 109K B 

054 

ALSO KNOWN AS: 1007 Brynewood Park 

Road, Chattanooga, Tennessee 37415 












Ginny L. Stokes; Robert E. Stokes; 

Suntrust Bank 












FHA No. 4812532888 

HCH3T-6/6,6/13,6/20/08 


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of a Deed of Trust Note dated September 


securing the same, recorded September 29, 



Tennessee, executed by Orlando D. Green, 

conveying certain property therein described 

to First Title Insurance Company as Trustee 

for American Home Mortgage Company; and 

the undersigned, Aaron L. Squyres of Wilson 

& Associates, P.L.L.C., having been appointed 




due and payable; and that an agent of Aaron 

L. Squyres of Wilson & Associates, P.L.L.C., 

as Successor Trustee, by virtue of the power, 













Located in the Second Civil District of 

Hamilton County, Tennessee: Lot Twenty-five 

(25), River Oaks Subdivision, Unit Four (4), 

as shown by plat of record in Plat Book 27, 


County, Tennessee. For prior title and last 

instrument of record affecting title to the 

above described property, see deed recorded in 

Book 7244, Page 724, in the said Register’s 

Office. Subject to any governmental zoning 

and subdivision ordinances and regulations in 

effect thereon. Subject to Restrictions recorded 

in Book 2048, page 165, said Register’s 

Office. Subject to 25-foot Building setback 

line as shown on recorded plat. Subject to 

Anchor easement as shown on recorded plat. 

Subject to 16-foot Power, Telephone and 

Drainage Easement as shown on recorded 

plat. Subject to TVA Transmission Line easement 

as shown on recorded plat. 

ALSO KNOWN AS: 6441 Mill Stream Drive, 













Orlando D. Green; Internal Revenue 

Service; Chattanooga Federal Savings and 

Loan Association 











By: Aaron L. Squyres 

VA No. 202060525616 

HCH3T-6/6,6/13,6/20/08 


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2005, at Book GI 7750, Page 752 in Office of 


Tennessee, executed by Claude P. Shelton, Jr. 

a/k/a Claude P. Shelton and Dewanna Higdon 

Shelton, conveying certain property therein 

described to Robbie L. McLean as Trustee for 

Centex Home Equity Company, LLC; and the 





















Located in the Second Civil District of 

Hamilton County, Tennessee: Lot Ninety-two 

(92), North Heron Bay Subdivision by plat of 

record in Plat Book 43, page 19-1 and 19-2, in 


Tennessee. For prior title see deed book 4878, 

page 88 in the Register’s Office of Hamilton 

County, Tennessee. Subject to any conditions, 

covenants, restrictions, reservations or easements 

of record. Subject to any governmental 

zoning and subdivision ordinances or regulations 

in effect thereon. Subject to restrictions, 

conditions, easements, ect of record in book 

1216, page 617, as modified in book 1280, 

page 190, and in book 1285, page372, and in 

book 3410, page 835 in the Register’s Office 

of Hamilton County, Tennessee. Subject to 

conditions and easements of record in book 


Hamilton County, Tennessee. Subject to Ten 

(10) x Ten (10) foot electric pad easement as 

shown on plat. Tax ID #095I-B-046. Property 

address: 8003 Turtle Lane Ooltewah, 

Tennessee 37363. 

ALSO KNOWN AS: 8003 Turtle Lane, 













Claude P. Shelton a/k/a Claude P. 

Shelton, Jr.; Dewanna Higdon Shelton 












HCH3T-6/6,6/13,6/20/08 



I hope everyone is enjoying 

the grill as much as I am. 

One of my favorite recipes is 

to sprinkle a little 

McCormick’s Seasoned Salt 

onto some chops and throw 

them on the grill. Another 

one of my favorites is 

Bratwurst and cabbage. Now, 

if you are from Wisconsin, I 

realize it is a cardinal sin to 

top brats off with cabbage, but 

I can’t help it; I love them 

that way! 

Authentic bratwurst is a 

fresh sausage, which must be 

cooked thoroughly before eating. 

You may see pre-cooked 

bratwurst but don’t be fooled – 

they do not look, feel or taste 

When it comes to animated 

films, tastes vary, but 

out of the dozens of computer 

animated offerings that 

have appeared in theaters, 

only a handful truly captured 

lightning in a bottle. As the 

trailblazer of the form, “Toy 

Story” was one. For me, 

“The Incredibles” and “Over 

the Hedge” did, too. A lot 

people thought “Shrek” hit 

that mark, but not me. As I 

said, tastes vary. 

It’s not easy to capture 

lighting, mostly because 

you’re never sure where it’s 

going to strike. But with 

respect to computer animated 

movies, the right amalgam 

of wit, humor and technical 

savvy is a good start. You 

also need a good story and 

characters that are lovable 

and imperfect, just like us. 

By Kay Bona 

The HAMILTON COUNTY HERALD 

offers the latest legal news from 

Chattanooga, as well as deeds, 

public notices, 

the Bar Association 

newsletter, and more. 

Delivered straight to 

your home or office. 

THE HAMILTON 

COUNTY HERALD 

Kay’s Cooking 

Corner 

like fresh bratwurst. 

Making sausage was a 

means of survival for our 

German ancestors during the 

winter months, as well as not 

wasting precious meat scraps. 

According to some food historians, 

the best sausage makers 

were in the colder countries 

like Germany. Bratwurst (pronounced 

with a short A, 

which rhymes with “lot”) is a 

sausage made of pork, beef 

and/or veal. The name is 

derived from brat, meaning 

fine chopped meat and wurst, 

which means sausage. 

Cooking tips: Cooking 

Bratwurst is a two-step project, 

although neither way 

The Critic’s 

Corner 


Subscribe today! 423-267-8323 

“Kung Fu Panda,” from 

the creators of “Shrek,” has 

all of those things and more. 

The story is probably the 

only area where the film 

doesn’t stand out, as it travels 

down a well-worn path. 

We begin inside the head Po, 

a fully grown panda who 

works as a waiter at his 

father’s noodle restaurant in 

a small village in China. As 

he dreams of wiping out 

entire armies in an epic kung 

fu battle, we get the sense 

that when he wakes up, his 

vision will fall short of his 

reality. And does it ever. 

Moments later, as he straps 

on his apron, his father tells 

him he was born to serve 

noodles. “It’s in our blood,” 

he says. (His father is a 

goose, by the way.) 

But Po dreams of becom- 

Diversions 

takes a long time, and the first 

step can be done a day ahead 

of grilling. Cook bratwurst on 

the stove first and then the 

grill. Otherwise you might end 

up with burnt skin and a raw 

middle. 

Pour a bottle of dark beer 

(along with come chopped 

onions) in a frying pan. Bring 

to a simmer and add about 4 to 

6 bratwursts. Be sure and don’t 

boil them. Simmer until they 

are close to being done, 

approximately 5 minutes. This 

way bacteria is killed and they 

safe to just plop on the grill 

and brown. You can do this 

step ahead of time. To grill, 

you don’t want a scorching 

heat that will burn the brat, 

but coals hot enough to make 

some nice dark lines and safely 

bring them to “hot and 

juicy”. 

Typical condiments 

include any combination of 

chopped onion, mustard, 

ketchup and sauerkraut, 

unless, like I said earlier, you 

are from Wisconsin (Bratwurst 

ing a kung fu hero during his 

waking hours, too. As he 

half-listens listens to his 

father, he looks toward a 

temple high on a mountain 

outside the city, where 

Master Shifu trains the legendary 

Furious Five — 

Tigress, Crane, Mantis, Viper 

and Monkey. For years, the 

people of the village have 

been waiting for the time 

when Oogway, a wise turtle 

also living on the mountain, 

would reveal one of the five 

as the Dragon Warrior, a 

fighter who would bring 

peace to the village. When 

Oogway has a vision of the 

escape of Tai Lung, a vengeful 

tiger out to destroy the 

rural community, he says the 

time has come to name the 

chosen one. 

As the bells announcing 

the occasion ring throughout 

the city, Po does everything 

he can to make it up the 

steps of the mountain before 

the ceremony begins. Alas, 

he’s big and woefully out of 

shape, so when the temple 

doors close before he reaches 

the top, he uses fireworks to 

shoot over the wall of the 

edifice and get inside. As Po 

The HAMILTON COUNTY HERALD could be yours... 

as soon as next Friday! 

is considered Wisconsin’s soul 

food). Wisconsinites claim the 

only way to eat a brat is with 

ketchup, mustard, chopped 

onion, pickle, and lots of butter 

(this is not low-calorie cuisine). 

• Pepper Jack cheese goes 

really well with brats. 

• Boil the brats in a brand 

of beer you enjoy drinking, 

although you can use water. 

• Recommend using spicy 

brown mustard. 

• Buns should have a 

golden brown surface and be 

substantial enough to hold the 

brats. 

Bratwurst smothered 

with cabbage 

8 links fresh bratwurst 

4 8-ounce cans of beer 

10 strips bacon, chopped 

2 cups thinly sliced 

onions 

Freshly ground black pepper 

1 small head of cabbage, 

cored and shredded 

Salt 

2 tablespoons chopped 

explodes on the scene, 

Oogway points to him. 

Of course, no one 

believes a juvenile, slovenly, 

untrained panda could be the 

Dragon Warrior — most of 

all Po — but that’s the point. 

We all have mountains to 

climb, and we must believe 

in ourselves in order to do it. 

The twist here is, Shifu must 

also believe in Po in order for 

the panda to reach his full 

potential, so it’s important to 

not only believe in ourselves, 

but others as well. It’s a good 

lesson each new generation 

of children needs to hear. 

The funny thing is, the 

adults in the audience at the 

showing I attended seemed to 

love the film more than the 

kids. A lot of that had to do 

with the humor in the movie. 

Some films try too hard to 

achieve the snappy wit of 

“Toy Story,” and it shows. 

(I’m talking to you, “Ice 

Age.”) But “Kung Fu Panda” 

delivers, and makes it look 

easy. 

In one scene that had me 

laughing long after everyone 

else had moved on, Mantis 

performs acupuncture on Po 

as Tigress lectures the panda 

garlic 

1/4 cup whole grain mustard 

8 egg hot-dog buns 

Preheat grill. Place the 

beer in a saucepan, over medium 

heat; bring to a simmer. 

Add the sausages and cook 8- 

10 minutes. Remove sausages, 

reserving the liquid. Set the 

sausages aside. Fry the bacon 

until crispy. Remove the 

bacon and set aside. Discard 

the all the bacon fat except for 

1/4 cup. Place the 1/4 cup of 

fat back into the pan and add 

the onions; season with black 

pepper. Saute for 2 to 3 minutes, 

or until tender. Add cabbage. 

Season with salt and 

pepper. Continue to saute 

until the cabbage is tender. 

Stir in the garlic, mustard and 

2 cups of the liquid from the 

sausages. Bring to a simmer 

and cook about 10 minutes, 

stirring occasionally. Place the 

sausages on the grill and cook 

until nicely browned. Place 

the sausages in a bun, top with 

some of the cabbage. ❖ 

for not taking kung fu seriously. 

Midway through her 

speech, Po makes a goofy face 

and a stupid sound, as if 

mocking Tigress. Mantis 

jumps in to stop her from 

unleashing her fury, though, 

urgently confessing to having 

hit a nerve that contorted 

Po’s facial muscles. 

This grown-up also loved 

the film’s wildly inventive 

action scenes. There are several 

stunning set pieces in 

“Kung Fu Panda,” all leading 

up to an epic battle between 

Po and Tai Lung. When you 

combine the over-the-top 

antics of kung fu fighting 

with talented computer animators, 

the results can be 

magical. Lighting in a bottle, 

baby. 

Don’t wait until “Kung 

Fu Panda” comes out on 

DVD to see it. Grab your 

kids, or your best fully grown 

friend, and see it in a huge 

theater with a great sound 

system. The story of overcoming 

all odds to achieve 

your dreams and save the day 

might be hackneyed, but it’s 

also sincere. Besides, the 

action alone is worth the 

price of admission. ❖




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of a Deed of Trust Note dated January 


securing the same, recorded February 11, 



Tennessee, executed by Allen Youngblood and 

Barbara Elaine Youngblood, conveying certain 

property therein described to EquiTitle, Inc. as 

Trustee for Centex Home Equity Company, 

LLC; and the undersigned, Shellie Wallace of 




















Located in the Second Civil District, Hamilton 

County, Tennessee: Lot Sixteen (16) Block 

“C” Daro Vista Resubdivision of Lots Thirtyfive 

(35) and Sixty-five (65), Fruitlands, as 

shown by plat recorded in Plat Book 11, Page 


County, Tennessee. Being the same property 

conveyed to Allen Youngblood and wife 

Barbara Elaine Youngblood from Alton M. 

Smith and wife Betty Smith, dated 04-01-93 

recorded in book 4126 page 538 in the 


Tennessee. 

ALSO KNOWN AS: 1917 Prigmore Road, 













Allen Youngblood; Barbara Elaine 

Youngblood; Household Financial Center, Inc 












HCH3T-6/6,6/13,6/20/08 


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securing the same, recorded December 4, 



Tennessee, executed by Karen Curtis, conveying 


Wesley D. Turner as Trustee for Argent 

Mortgage Company, LLC; and the undersigned, 

Shellie Wallace of Wilson & 




















IN THE THIRD CIVIL DISTRICT OF 

HAMILTON COUNTY, TENNESSEE: 

Lot Twenty-six (26), North Fork at Lake 

Subdivision, as shown by Plat of record in 

Plat Book 52, Page 88, in the Register’s 


REFERENCE is made for prior title to Deed 

of record in Book 5628, Page 959, in the 


Tennessee. 

SUBJECT TO all easements and stipulations 

shown on said plat. 

SUBJECT TO Restrictive Covenants recorded 

in Book 4381, Page 609, in the Register’s 

Office of Hamilton County, Tennessee, but 

omitting any covenant or restriction based on 







ALSO KNOWN AS: 2126 North Fork Drive, 













Karen Curtis; Citifinancial, Inc 












HCH3T-6/6,6/13,6/20/08 


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securing the same, recorded June 23, 2006, at 



Tennessee, executed by Dennis W. Mixon and 

Virginia Mixon, conveying certain property 

therein described to Arnold M. Weiss, Esq., 

208 Adams Avenue, Memphis, TN 38103 as 

Trustee for Wells Fargo Bank, N.A.; and the 

undersigned, Aaron L. Squyres of Wilson & 




















Lot 8, Block C, Lake Harbor Estates, of 



Tennessee. 

For Prior title see Deed recorded in Book 


Hamilton County, Tennessee. 

THIS CONVEYANCE MADE SUBJECT TO 

THE FOLLOWING: 

Restrictions as set out in instrument recorded 

in Book 1296, Page 254, as modified in Book 

1714, Page 468 and in Book 1252, Page 516, 


Tennessee, but omitting any covenant or 

restrictions based on race, color, religion, sex, 

handicap, familial status or national origin 


covenant (a) is exempt under Chapter 42, 

Section 3607 of the United States Code or (b) 

relates to handicap but does not discriminate 

against handicapped persons. 

Subject to 16 foot Drainage and Utility 

Easement as shown or specified on the recorded 

plat. 

Subject to building requirements and 5 foot 

Drainage Easement reserved along all sides 

and rear lot lines as stipulated by legend on 

recorded plat. 

Subject to setback lines as stipulated by legend 

on recorded plat. 

Subject to all notes, stipulations, restrictions, 


out on recorded plat. 

Any governmental zoning and subdivision 

ordinances in effect thereon. 

Parcel number: 112H A 001.07 

ALSO KNOWN AS: 6744 Harbor Circle, 












claim an interest in the above-referenced prop- 

erty: Dennis W. Mixon; Virginia Mixon 











By:Aaron L. Squyres 

FHA No. 481-2564381 

HCH3T-6/6,6/13,6/20/08 


WWW.MYFIR.COM 




2008 at 10:00 AM, local time, at the west 



Trust executed by Wendell L Morris, a married 

man to Milligan Reynolds, Guaranty Title 

Agency, Inc., Trustee, on January 3, 2005 at 

Book GI 7390, Page 476 and conducted by 

Shapiro & Kirsch, LLP, Substitute Trustee, all 

of record in the Hamilton County Register’s 

Office. 

Owner of Debt: The Bank of New York, as 

Successor Trustee under NovaStar Mortgage 

Funding Trust 2005-1 







wit: 

Unit 1201 of The Villas at Shallowford Trace, 

a Tennessee Horizontal Property Regime created 

pursuant to the provisions of the 

Tennessee Horizontal Property Act, Tennessee 

Code Annotated Sections 66-27-101 through 

123, as amended, by that certain Master Deed 

and Declaration Of Covenants, Conditions and 

Restrictions of The Villas at Shallowford 

Trace, of record in Book 7093, page 836, as 

amended by that certain First Amendment to 

Master Deed and Declaration Of Covenants, 

Conditions And Restrictions of The Villas At 

Shallowford Trace, of record in Book 7117, 

page 147, both in the Register’s Office of 


Together with the exclusive use of the Limited 

Common Elements that are designated as 

appurtenant to said Unit 1201 by the terms 

and provisions of said Master Deed and 

Declaration Of Covenants, Conditions and 

Restrictions of The Villas AT Shallowford 

Trace, of record in Book 7093, page 836, as 

amended by said certain First Amendment to 


Conditions And Restrictions of The Villas at 


page 147, both in the Register’s Office of 


Together with the appurtenant undivided interest 

in the Common Elements that is provided 

for under the terms and provisions of said 


Conditions and Restrictions of The Villas at 


page 836, as amended by said Certain First 

Amendment to Master Deed and Declaration 

Of Covenants, Conditions and Restrictions of 

The Villas at Shallowford Trace, of record in 

Book 7117, page 147, both in the Register’s 


Street Address: 1201 Regency Court, 


Current Owner: Wendell L. Morris 

Other interested parties: Corinthian Mortgage 

Company dba SouthBanc Mortgage and The 

Villas at Shallowford Trace Condominium 

Owners Association, Inc. 


property is believed to be 1201 Regency 

Court, Chattanooga, TN 37421, but such 














forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-6/6,6/13,6/20/08 

S&K 08-002224 









Tennessee, executed by David Merwin Jonas 

and Rachel T. Jonas, conveying certain property 

therein described to First American Title 


Registration Systems, Inc. as a seperate corporation 

acting solely as nominee for 

CitiMortgage, Inc. and CitiMortgage, Inc.’s 




Trustee. 


















In the Second Civil District of Hamilton 

County, Tennessee: Being Lot One Hundred 

Forty-Seven (147), Moon Shadows 

Subdivision, as shown by plat of record in 

Plat Book 43, Page 53, of the Register’s 

Office of Hamilton County, Tennessee, to 

which plat reference is hereby made for a 

more complete and accurate description of 

said lot. Being the same property conveyed to 

Timothy Bruce Prince, and wife, Patricia L. 

Prince by deed dated May 3, 1999 from Mike 

Sutley, and wife, Tammie Sutley of record in 

Deed Book 5346, page 378, Register’s Office 

for said County. Grantor herein warrants and 

represents that his marriage to Patricia L. 

Prince was continuous from the date of acquisition 

until the date of her death on December 

7, 2005. 

ALSO KNOWN AS: 7123 Condra Drive, 













David Merwin Jonas; Rachel T. Jonas 












VA No. FZ-0202060537832 

HCH3T-6/13,6/20,6/27/08 


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of a Deed of Trust Note dated April 3, 





Tennessee, executed by Brian Washington and 

Niki Spence Washington, conveying certain 

property therein described to First American 

Title Company as Trustee for Mortgage 


separate corporation that is acting solely as 

nominee for CitiMortgage Inc., and 

CitiMortgage Inc.’s successors and assigns; 





















Land in Hamilton County, Tennessee, 

described as follows: Lot 9, Block D, 

Brainerd Park Subdivision, of record in Plat 

Book 10, Page 21, in the Register’s Office of 

Hamilton County, Tennessee, to which plat 

reference is hereby made for a more complete 

description. Being the same property conveyed 

by Warranty Deed recorded in Book 

7898, Page 783 Register’s Office for Hamilton 

County, Tennessee. Parcel number: 151L-B- 

001 

ALSO KNOWN AS: 5600 Pinelawn Avenue, 













Brian Washington; Niki Spence 

Washington; The Secretary of Housing and 

Urban Development 












FHA No. 4812554089 

HCH3T-6/13,6/20,6/27/08 


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Tennessee, executed by Shirley A. Queen and 

David A. Queen, conveying certain property 

therein described to Title Escrow of 

Chattanooga, Inc. as Trustee for Compass 

Mortgage Inc; and the undersigned, Shellie 




















Lot Eleven (11), Block Nine (9), Battery 

Heights, as shown by plat of record in Plat 

Book 12, Page 11, in the Register’s office of 


Source of Grantors title is Warranty Deed 

being recorded simultaneously herewith. 

Subject to the following: 

Easement to Tennessee Electric Power 

Company of record in Book 557, Page 403, in 

said Register’s Office. 

Utility Easement along rear line, as shown by 

dotted lines on said plat. 

Governmental zoning and subdivision ordinances 

or regulations in effect thereon. 

ALSO KNOWN AS: 2603 Ridge Crest Drive, 













Shirley A. Queen; David A. Queen 












FHA No. 481-2005973 

HCH3T-6/13,6/20,6/27/08 


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securing the same, recorded June 12, 2007, at 



Tennessee, executed by Matthew J. Bradshaw 

and Hilary J. Rutledge, conveying certain 

property therein described to Arnold M. 

Weiss, Esq., 208 Adams Avenue, Memphis, 

TN 38103 as Trustee for Wells Fargo Bank, 

N.A.; and the undersigned, Shellie Wallace of 




















In the Third Civil District of Hamilton 

County, Tennessee: Lot Ninety (90), Timber 

Ridge Subdivision, Phase Two (2), as shown 

by plat of record in Plat Book 77, Page 122, in 


Tennessee. This conveyance is made subject 

to the following: Restrictive Covenants for 

Timber Ridge Subdivision, Phase Two (2), 

recorded in Book 7454, Page 816, in the 


Tennessee, but omitting any covenant or 

restriction based on race, color, religion, sex, 

handicap, familial status or national origin 


covenant (a) is exempt under Chapter 42, 

Section 3607, of the United States Code or (b) 

relates to handicap but does not discriminate 

against handicapped persons. Restrictions, 

easements, requirements and all other matters 

as set out in Restrictive Covenants for Timber 

Ridge Subdivision, Phase Two (2), recorded in 


of Hamilton County, Tennessee. Ten (10) foot 

wide Power and Communications Easement as 

shown or specified by recorded plat. Ten (10) 

foot Drainage Easement as shown or specified 

by recorded plat. Conditions and easements 

contained in document of record in Book 


Hamilton County, Tennessee. Twenty-five (25) 

foot front, Ten (10) foot side and Twenty-five 

(25) foot rear building setback lines as set out 

in Restrictive Covenants for Timber Ridge 

Subdivision, Phase Two (2) recorded in Book 


Hamilton County, Tennessee. Any governmental 

zoning and subdivision ordinances in effect 

thereon. All notes, stipulations, restrictions, 


out on recorded plat. Prior and last deed reference: 

Book 8369, Page 781, Register’s Office 


ALSO KNOWN AS: 1809 Hazel Alder Lane, 













Matthew J. Bradshaw; Hilary J. 

Rutledge; Wells Fargo Bank, N.A. 












HCH3T-6/13,6/20,6/24/08 


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at Book GI 8206, Page 330 and re-recorded 

on February 7, 2007, at Book GI 8234, Page 

778 in Office of the Register of Deeds for 

Hamilton County, Tennessee, executed by 

Lester Bragg Corey Mosley and DeSha 

Sparks, conveying certain property therein 

described to First American Title Insurance 




EquiFirst Corporation and EquiFirst 

Corporation’s successors and assigns; and the 





















Located in the First Civil District, Hamilton 

County, Tennessee: Being Lot 23, North Glen 

Estates, Addition No. 2 and revised plat of 

Lots 13, 14, and 27 in Addition No. 1, as 

shown on plat of record in Plat Book 25, Page 

118, in the Register’s Office, Hamilton 



of said property. Being the same property 

conveyed to Lester Bragg, Corey Mosley, and 

DeSha Sparks by Warranty Deed recorded in 

Book 8206, page 327, in the Register’s Office 


ALSO KNOWN AS: 1409 Wingate Lane, 













Lester Bragg; Corey Mosley; DeSha 

Sparks 












HCH3T-6/13,6/20,6/27/08 


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Tennessee, executed by Catrelle D. Henderson 

and Tara Henderson, conveying certain property 

therein described to Charles E. Tonkin, II 

A Knox County Resident as Trustee for 

Mortgage Electronic Registration Systems, 

Inc., as a separate corporation that is acting 

solely as a nominee for Mortgage Investors 

Group and Mortgage Investors Group’s successors 

and assigns; and the undersigned, 

Aaron L. Squyres of Wilson & Associates, 


Trustee. 


















Situated in District 2, Hamilton County, 

Tennessee, and being known and designated 

as Lot 7 Cedar Creek Subdivision as shown 

by plat of record in plat book 29 page 44, in 


Tennessee, to which plat specific reference is 

hereby made and incorporated herein as if 

copied verbatim. 

For prior title and last instrument of record 

affecting the above described property, see 

deed recorded in book 8255 page 79, in said 

Register’s Office. 

Taxes for the year 2007 are to be prorated 

between the grantor and grantee of even date 

herewith. 


ordinances and regulations in effect 

thereon. 

Subject to restrictions of record in deed book 



Subject to easement of record in deed book 

2116 page 186, in the Register’s Office of 


ALSO KNOWN AS: 7905 Hickory Hollow 

Lane, Chattanooga, Tennessee 37421 












Catrelle D. Henderson; Tara Henderson; 

L. Samuel Gill Jr. DDS, MS, PC 












FHA No. 481-2639286 

HCH3T-6/13,6/20,6/27/08 


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Tennessee, executed by John Rowan, conveying 


Arnold M. Weiss, Esq., Shelby County as 

Trustee for Wells Fargo Bank, N.A.; and the 





















Certain real estate in Hamilton County, 

Tennessee, as follows: Unit No. 460, of Lake 

Park Condominium created under Title 66, 

Chapter 27, Section 101, et seq., as amended, 

Tennessee Code Annotates, and as established 

by a Master Deed of record in Book 3181, 

page 655, Register’s Office for Hamilton 

County, Tennessee, together with the undivided 

percentage interest in the Common 

Elements appurtenant to said Unit as set forth 

in Exhibit A-1 of said Master Deed. Reference 

is hereby made to the Plat of Lake Park 

Condominium as set forth in Exhibit A-2 of 

said Master Deed for a more complete identification 

and description of such Unit. 

Property commonly known as: Unit 460, Lake 

Park Condominium, 900 Mountain Creek 

Road, Chattanooga, Hamilton County, 

Tennessee. Being all of the same property 

conveyed to Phillip Mattaro and wife, 

Roseellen Mattaro by Warranty Deed from 

SEC Realty Corp dated November 24, 1986 of 

record in Book 3278, Page 193, Register’s 

Office for Hamilton County, Tennessee. 

ALSO KNOWN AS: 900 Mountain Creek 

Road, Chattanooga, Tennessee 37405 












John Rowan; Lake Park Condominium 

Association, Inc. dba Signal View 

Condominium Association 












HCH3T-6/13,6/20,6/27/08 


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of a Deed of Trust Note dated January 





Tennessee, executed by Kelly D. Turner, conveying 


Robert M. Wilson as Trustee for Mortgage 

Electronic Registration Systems, Inc. solely as 

Nominee for Countrywide Bank, N.A. and 

Countrywide Bank, N.A. Successors and 

Assigns; and the undersigned, Shellie Wallace 




















A certain tract or parcel of land in Hamilton 

County, State of Tennessee, describes as follows, 

to-wit: All that tract or parcel of land 

lying and being in the City of Chattanooga, 

Hamilton County, Tennessee, being Lot Fiftyfour 

(54), Final Plat Hickory Trace 

Townhomes, Phase II, as shown by Plat of 

Lots 52 thru 55, recorded in Plat Book 72, 



hereby made for a more complete description 

of said lot. Being the same property conveyed 

to Kelly Turner by Deed recorded 11/15/05 in 

Book 7747, Page 90. Parcel/Tax I.D. # 158 

CB 030.03 Commonly known as: 6611 

Hickory Trace Circle, Chattanooga, TN 37421 

ALSO KNOWN AS: 6611 Hickory Trace 

Circle, Chattanooga, Tennessee 37421 












Kelly D. Turner; Countrywide Bank, 

N.A.; Mortgage Electronic Registration 

Systems, Inc., as nominee for Countrywide 

Bank, N.A. 












HCH3T-6/13,6/20,6/27/08 


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of a Deed of Trust Note dated February 


securing the same, recorded February 19, 



Tennessee, executed by Deborah Hester, conveying 


Mark A. Rosser as Trustee for Mortgage 

Electronic Registration Systems, Inc., a separate 

corporation acting solely as nominee for 

Surepoint Lending abn First Residential 

Mortgage Network, Inc. and Surepoint 

Lending abn First Residential Mortgage 

Network, Inc.’s successors and assigns; and 

the undersigned, Shellie Wallace of Wilson & 




















The following described real estate in the 

Second Civil District of Hamilton County, 

Tennessee: 

All that tract or parcel of land lying and being 

in the Second Civil District of Hamilton 

County, Tennessee, being more particularly 

described as follows: Being a part of the 

Northeast Quarter of Section Five (5), 

Township Four (4), Range Two (2), West of 

the Basis Line, Ocoee District, and being 


Beginning at a point in the North line of 

Pleasant Lane, said point marking the 

Southeastern corner of the property conveyed 

to William J. Hulsey, Trustee, to Roy A. 

Wilson and wife, by Deed recorded in Book 

2018, Page 736, of the Register’s Office of 

Hamilton County, Tennessee; thence 

Eastwardly along the Northern line of Pleasant 

Lane Ninety (90) feet to a point; thence 

Northwardly and parallel to the property conveyed 

to Roy Wilson and wife, James T. 

Walker and wife, by Deed recorded in Book 

2028, Page 618, said Register’s Office, to a 

point located in the South line of the property 

conveyed by J.T. Walker and wife, to Carl M. 

Walker and wife, by Deed recorded in Book 

1775, Page 320, said Register’s Office; thence 

Westwardly (erroneously referred to as 

Eastwardly in prior Deeds) along the South 

line of the Carl Walker property to the 

Northeast corner of the property conveyed to 

Roy A. Wilson and wife, to Laura T. 

McPherson, widow and son, by Deed recorded 

in Book 2021, Page 535, said Register’s 

Office; thence Southwardly along the 

McPherson property 167.5 feet, more or less, 

to a point in the North line of the property 

conveyed by E.E. Ramsey and wife, to 

Windell C. Kelley and wife, by Deed recorded 

in Book 1122, Page 460, said Register’s 

Office; thence Eastwardly along the Northern 

line of said Kelley tract to the Northeast corner 

thereof; thence Southwardly along the 

Eastern line of the Kelley tract and its extension 

to the North line of Pleasant Drive to the 

point of beginning. 

Less and Except that portion of the above 

described tract conveyed by Line Agreement 

dated November 19, 1997, recorded in Book 



Subject to and together with that portion of 

property conveyed to Gary L. Whitener to 

James C. Davis and wife, Kathy E. Davis, by 

Line Agreement dated November 19, 1997, 

recorded in Book 4988, Page 715, in the 


Tennessee. 

Being the same property conveyed to Deborah 

Hester, unmarried, by Warranty Deed dated 

April 19, 2004, of record in Deed Book 7109, 

Page 704, in the Register’s Office for 


Being the same property commonly known as: 

9007 Pleasant Lane, Ooltewah, Tennessee 

37363 

Tax ID No.: 123GA004 

ALSO KNOWN AS: 9007 Pleasant Lane, 













Deborah Hester 












HCH3T-6/13,6/20,6/27/08 


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Tennessee, executed by Christopher Smith and 

Andrea Smith, conveying certain property 

therein described to T. Larry Edmondson’s 

Office as Trustee for Mortgage Electronic 



Home Funds Direct and Home Funds Direct’s 


Aaron L. Squyres of Wilson & Associates, 


Trustee. 


















ALL THAT PARCEL OF LAND IN HAMIL- 

TON COUNTY, STATE OF TENNESSEE, 

AS MORE FULLY DESCRIBED IN DEED 

BOOK 7272, PAGE 883, ID NO. 083 H A 

006, BEING KNOWN AND DESIGNATED 




AS LOT 6, GREENWAY VILLAGE. ALL 

TRACT OR PARCEL OF LAND LYING IN 

THE THIRD DISTRICT OF HAMILTON 

COUNTY, TENNESSEE BEING LOT SIX 6 

UNIT ONE 1 GREENWAY VILLAGE SUB- 

DIVISION AS SHOWN BY PLAT OF 

RECORD IN BOOK 26 PAGE 16 IN THE 

REGISTER’S OFFICE OF HAMILTON 

COUNTY, TENNESSEE. BY FEE SIMPLE 

FROM CITIFINANCIAL, INC AS SET 

FORTH IN BOOK 7272 PAGE 883 DATED 

08/31/2004 AND RECORDED 09/14/2004, 

HAMILTON COUNTY RECORDS, STATE 

OF TENNESSEE. 

ALSO KNOWN AS: 7751 Village Way Drive, 













Christopher Smith; Andrea Smith 







sale set forth above. W&A No. 870-137050 





HCH3T-6/13,6/20,6/27/08 


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of a Deed of Trust Note dated April 2, 





Tennessee, executed by Claudette Wade a/k/a 

Claudette Alice Wade, conveying certain property 

therein described to Robert M. Wilson, Jr. 

as Trustee for Mortgage Electronic 

Registration Systems, Inc as a separate corporation 

acting solely as nominee for 

Countrywide Bank, FSB and Countrywide 

Bank, FSB’s successors and assigns; and the 





















Land in Hamilton County, Tennessee, being a 

part of Gardens at Heritage Green, Lot 1, of 

record in Plat Book 77, Page 5, Register’s 

Office for said County, and being known as 

Unit No. 687, The Gardens at Heritage Green 

Condominiums, a Tennessee Horizontal 

Property Regime set forth in Master Deed of 

record in Book 7344, Page 922, Register’s 

Office for said County, and any amendments 

thereto, with said unit being more specifically 

located and described in Exhibit “B” attached 

thereto, to which plan reference is hereby 

made for amore complete description. 

For Prior Title see Warranty Deed executed on 

11/30/2005 and recorded on 12/05/2005 in 



Subject to all easements, restrictive covenants 

and conditions, and other matters of record, 

including all items as set out on any applicable 

plat of record. 


ordinances and regulations in effect 

thereon. 

ALSO KNOWN AS: 321 Callaway Court, 













Claudette Wade a/k/a Claudette Alice 

Wade 












HCH3T-6/13,6/20,6/27/08 


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at Book GI7726, Page 351 in Office of the 


Tennessee, executed by Robert Eugene Barger 

a/k/a Robert E Barger and Joyce Barger, conveying 

certain property therein described to J. 

Phillip Jones as Trustee for Mortgage 

Electronic Registration Systems, Inc., as 

nominee for Novastar Mortgage, Inc. and 

Novastar Mortgage, Inc. successors and 

assigns; and the undersigned, Shellie Wallace 




















A certain tract or parcel of land in Hamilton 

County State of Tennessee, Described as follows 

to wit: 

In the City of Chattanooga, Hamilton County 

Tennessee; The North Fifty (50) feet of Lot 

Eight (8) Block A Hamilton Place, as shown 

by plat recorded in plat Book 9, page 46 of the 

Register’s Office of Hamilton County 

Tennessee. Excepting that portion sold to City 

of Chattanooga in Deed Book 1842, Page 520. 


ordinances or regulations in effect 

thereon. 

Subject to restrictions recorded in Book M. 

Vol. 20, Page 637 of the Register’s Office of 

Hamilton County Tennessee. 

Subject to any covenants, conditions, restrictions, 

reservations, or easements of record. 

Subject to easement in Deed Book 1842, page 

520 said Register’s Office. 

For prior deed reference see book 4150, Page 

989 in the Register’s Office of Hamilton 

County Tennessee. 

Tax ID 157J-R-025 

Property Address: 119 S Moore Rd. 


24 MO. Chain. 

Warranty Deed dated 04/30/1993 of record in 

Book 4150, Page 989 wherein Ann C. Orear 

and husband Steve R. O’Rear Conveyed subject 

property to Elizabeth L. Green. 

Trust Deed dated 4/30/93 of record wherein 

Elizabeth L. Green conveyed to secure 

Nations Bank Mortgage Corp in the Original 

amount of 17,500 om nppl 4150, page 992. 

Trust Deed dated 4/30/1993 of record wherein 

Elizabeth L. Green conveyed to Secure one in 

the original amount of $8,382.16 in Book 

4210, Page 311 

ALSO KNOWN AS: 119 South Moore Road, 













Robert Eugene Barger a/k/a Robert E 

Barger; Joyce Barger; Internal Revenue 

Service; Suntrust bank 

On or about October 14, 2005, the United 

States of America, Internal Revenue Service, 

filed a federal tax lien against the Defendant, 

Robert E and Sandra Joyce Barger, recorded 


Tennessee, at Book GI771, Page 274. Any 

interest in the property held by the United 

States of America, Internal Revenue Service, 

by virtue of the aforementioned federal tax 

lien is both junior and inferior to the interests 

held by Chase Home Finance LLC as attorney 

in fact for DEUTSCHE BANK NATIONAL 

TRUST COMPANY as Trustee for Soundview 

Home Loan Trust 2005-4. Provided, however, 

that the United States of America, Internal 

Revenue Service, pursuant to 26 U.S.C. §7425 

and 28 U.S.C. §2410(c), shall have one hundred 

and twenty (120) days from the date of 

the sale within which to redeem the property 

by virtue of its tax lien(s) herein by payment 

of the actual amount paid by the purchaser at 

the foreclosure sale, plus any amount in 

excess of the expenses necessarily incurred in 

connection with such property, less the income 

from such property, plus a reasonable rental 

value of such property. As required by 26 

U.S.C. §7425(b), the United States of 

America, Internal Revenue Service has been 

given timely notice of this action. 












HCH3T-6/13,6/20,6/27/08 


WWW.MYFIR.COM 



Sale at public auction will be on July 7, 2008, 

at 10:00 AM, local time, at the west door, 



by Rossie Elizabeth Condra and Alisa 

McNabb, as tenants in common, with rights of 

survivorship to Southeastern Title & Escrow 

d/b/a Park Place Title & Escrow, Trustee, on 

August 4, 2005 at Book GI 7638, Page 369 

and conducted by Shapiro & Kirsch, LLP, 



Owner of Debt: Wachovia Bank, N.A., as 

Trustee for the registered holders of Aegis 

Asset Backed Securities Trust, Mortgage Pass- 

Through Certificates, Series 2005-5 






County, Tennessee, to wit:_Lot Number 

Thirteen (13), on the Plan of Shannon Hills, of 

record in Plat Book 26, Page 92, as amended 

in Plat Book 26, Page 116, and on the 

Corrective Plan of Shannon Hills, of record in 

Plat Book 48, Page 319, Register’s Office of 

said County, to which plan reference is hereby 

made for a more complete description._Street 

Address: 7308 Dublin Lane, Hixson, TN 

37343 

Current Owner(s) of Property: Rossie 

Elizabeth Condra, and Alisa Mcnabb, as tenants 

in common 


property is believed to be 7308 Dublin Lane, 

Hixson, TN 37343, but such address is not 













forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-6/13,6/20,6/27/08 

S&K 07-21614 









Tennessee, executed by Nancy Marcum and 

Jerry L. Marcum, conveying certain property 

therein described to Wesley D. Turner as 

Trustee for Ameriquest Mortgage Company; 





















All that parcel of land in City of Chattanooga, 

Hamilton County, State of Tennessee, as more 

fully described in deed book 4939, page 691, 

ID# 168EB021, being known and designated 

as Lot 19, Block D, Welwood Heights, filed in 

Plat book 15, Page 26. By fee simple deed 

from Jerry L. Marcum and Nancy Marcum, 

husband and wife as set forth in book 4939, 

page 691 dated 12/13/1996 and recorded 

09/11/1997, Hamilton County Records, State 

of Tennessee. 

ALSO KNOWN AS: 203 Bales Avenue, 













Nancy Marcum; Jerry L. Marcum; 

Unknown hiers of Mary F. Brown 












HCH3T-6/13,6/20,6/27/08 


WWW.MYFIR.COM 










Tennessee, executed by Joseph I. McCormack 

and Cheryl B. McCormack, conveying certain 

property therein described to FMLS, Inc. as 

Trustee for Mortgage Electronic Registration 

System, Inc. as a seperate corporation acting 

solely as nominee for AmSouth Bank and 

AmSouth Bank successor and assigns; and the 





















Lot Five (5), Foster Glenn Subdivision, as 

shown on Plat of record in Plat Book 66, Page 


County, Tennessee, to which Plat reference is 


of the property. Being the same property conveyed 

to the Borrower by Deed recorded in 

Book 7342, Page 773, in the above Register’s 

Office. 

ALSO KNOWN AS: 910 Graysville Road, 













Joseph I. McCormack; Cheryl B. 

McCormack 












HCH3T-6/13,6/20,6/27/08 


WWW.MYFIR.COM 










Tennessee, executed by Alonzo J. Davis, Jr. 

and Chandra Renee Davis a/k/a Chandra 

Davis, conveying certain property therein 

described to Milligan Reynolds Guaranty Title 

Agency, Inc. as Trustee for Compass 

Mortgage Inc; and the undersigned, Shellie 




















IN THE SECOND CIVIL DISTRICT OF 

HAMILTON COUNTY, TENNESSEE; 

Being Lot Number One Hundred Forty-Four 

(144), River Oaks Subdivision, Unit 1, as 

shown by plat of record in Plat Book 25, Page 


County, Tennessee. 

REFERENCE is made for prior title to Deed 

of record in Book 4646, Page 805, in the 


Tennessee. 

Description same as prior Deed. 

Commonly known as: 9205 River Oaks Road, 

Harrison, TN 37341. 

SUBJECT TO all easements and stipulations 

shown on said plat. 

SUBJECT TO Restrictive Covenants recorded 

in Book 1747, Page 361, in the Register’s 

Office of Hamilton County, Tennessee, but 

omitting any covenant or restriction based on 







ALSO KNOWN AS: 9205 River Oaks Road, 













Alonzo J. Davis , Jr.; Davis 9205 River 

Oaks FAMILY TRUST, which has a Trustee 

of Pioneer Property & Investments, LLC; 

Chandra Renee Davis a/k/a Chandra Davis 












VA No. 202060525390 

HCH3T-6/13,6/20,6/27/08 


WWW.MYFIR.COM 










Tennessee, executed by Peter M. Worland and 

Nancy M. Worland, conveying certain property 

therein described to Thomas L. Moser as 

Trustee for New South Federal Savings Bank; 
























Located in the Third Civil District of 

Hamilton County, Tennessee: Lot Thirtyseven 

(37), Thatchers Shore Acres 


Plat Book 19, page 54, in the Register’s Office 

of Hamilton County, Tennessee. For prior title 

and last instrument of record affecting title to 

the above, described property, see deed 

recorded in Book 7166, Page 9, in the said 

Register’s Office. Subject to any governmental 

zoning and subdivision ordinances and regulations 

in effect thereon. Subject to restrictions 

recorded in Book 1267, page 638, said 

Register’s Office. Subject to all matters as 

shown on recorded plat. 

ALSO KNOWN AS: 2423 North Shore Acres 

Road, Soddy Daisy, Tennessee 37379 












Peter M. Worland; Nancy M. Worland; 

Countrywide Home Loans, Inc. 











By:Shellie Wallace 

HCH3T-6/13,6/20,6/27/08 


WWW.MYFIR.COM 





of a Deed of Trust Note dated March 30, 





Tennessee, executed by Jarrett Stone and 

Anita Y. Stone, conveying certain property 

therein described to William C. Ford as 

Trustee for Conseco Bank, Inc.; and the 









Your real estate website – top ways to gain trust from visitors 

By Kurt D. Lynn 

RISMEDIA 

For well over a hundred 

years, consumers have used 

trust and confidence as the 

basis of their decision to purchase 

goods or to contract 

services. Consumers base 

their decisions on a calculated 

risk of being disappointed. 

On one hand, they look for 

strong signs of reliability in 

which to be confident in 

their decision, but on the 

other, limited evidence of 

reliability requires their trust. 

In real estate, getting 

consumer trust and confidence 

for your services is not 

as simple as establishing trust 

and confidence in a retail 

product. Your services are 

often intangible; they cannot 

be seen. A physical product, 

on the other hand, can be 

handled, examined, felt, 

weighed – there is more physical 

evidence by which to 

extend a consumer’s trust and 

confidence. In real estate, 

trust and confidence is about 

you. 

When you meet a 

prospective client for the first 

time, that interaction 













All that piece, parcel, or lot of land situate, 

lying and being in Hamilton County, TN and 

known and designated as LOT 13, BLOCK 1 

RIDGEVIEW PLACE NO. 2, recorded in Plat 

Book 14, Page 115, of the Hamilton County 

Register of Deeds Office, reference to which 

is hereby made for a more particular description. 

BEING THE SAME property conveyed 

from FLOYD V MCKEEL AND WIFE, 

PATRICIA ANN MCKEEL TO JARRETT 

STONE AND WIFE, ANITA Y. STONE by 

deed dated 03/26/86 and recorded 03/31/86 in 

book 3186, page 823 of the public records of 

Hamilton County, TN Parcel ID: 268P-G-013 

ALSO KNOWN AS: 5008 Golfview Drive, 













Jarrett Stone; Anita Y. Stone 












HCH3T-6/13,6/20,6/27/08 


WWW.MYFIR.COM 




at 10:00 AM, local time, at the west door, 



by Horace Cason, and wife Teresa Cason to 

Century Title & Escrow, Inc., Trustee, on 

August 1, 2005 at Book GI 7637, Page 824 

and conducted by Shapiro & Kirsch, LLP, 



Owner of Debt: U.S. Bank National 

Association, as Trustee for the Specialty 

becomes the basis of them 

extending trust and confidence 

in you. 

The same is true for your 

website. When someone visits 

your website for the first 

time, it’s the primary experience 

they have of determining 

how much confidence 

they have in your services 

and how much trust they will 

extend to you. If you want 

visitors to “click through” to 

contact you, then you must 

make sure that they get a 

sense of confidence and trust 

from the moment they visit 

the first page of your website. 

What can you do to help 

them? 

Confidence-building 

content. Confidence comes 

from evidence. The more evidence 

you provide, the less 

trust is required from the 

consumer. A few things you 

can do, in your website content, 

to provide your visitor 

with evidence, include the 

following: 

- Post your personal 

transaction statistics on your 

site. Tell the visitor how 

many sales you did last year 

and how many purchases you 

facilitated. Tell them what 

Underwriting and Residential FinanceTrust 

Mortgage Loan Asset-Backed Certificates 

Series 2006-BC1 






County, Tennessee, to wit: 

Lot 76, Cloverdale Hills Addition to 

Cloverdale Village, of record in Plat Book 20, 





Street Address: 1323 Cloverdale Circle, 

Hixson, TN 37343 

Owner(s) of Property: Heirs of Horace 

Cason, and Teresa Cason 

Current Owner: Teresa Cason 


property is believed to be 1323 Cloverdale 

Circle, Hixson, TN 37343, but such address is 













forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-6/13,6/20,6/27/08 

S&K 08-004047 



at 10:00 a.m., local time, at the west door, 



by Amanda P. Lawrence, an unmarried person 

to Title Guaranty and Trust of Chattanooga, 

Trustee, on October 23, 2006 at Book GI 

your average sale/purchase 

price was, what the average 

percent of asking price you 

were able to negotiate, and 

the average time to sale for a 

new listing.?- Post testimonials 

on your site. Adding socalled 

“pull quotes” will validate 

a visitor’s interest in 

your services. Keep the 

quotes short and sweet and 

highly visible (e.g. “Bill 

Myers found us our new 

home. He helped us every 

step of the way!”). 

Also, make sure you 

include the name of the buyer 

or seller with the quote. For 

clients that may be uncomfortable 

with the publication 

of their full names, use their 

first name and the first letter 

of their last name (e.g. Paul 

W.). Ideally place at least one 

pull quote on every page in 

your site. 

Ask happy clients if they 

would be willing to give you a 

quick letter or note in testimonial 

of your services. Of 

course, the best time to do 

this is immediately after the 

closing. 

Do not include information 

such as “best salesperson 

of the year” or other internal 

8128, Page 773 and conducted by Shapiro & 

Kirsch, LLP, Substitute Trustee, all of record 

in the Hamilton County Register’s Office. 

Owner of Debt: Deutsche Bank National Trust 

Company, as trustee for the registered holders 

of Soundview Home Loan Trust 2006 EQ2 

Asset-Backed Certificates, Series 2006-EQ2 






Chattanooga, Hamilton County, 

Tennessee, to wit: 

The west 40 feet of Lots 15 (Fifteen) and 16 

(Sixteen), and the south 10 (Ten) feet of the 

west 40 feet of Lot 14 (Fourteen), Block 38, 

Anderson’s Addition to East Chattanooga, as 

shown by plat of record in Plat Book 3, Page 





Street Address: 2111 Appling Street, 


Current Owner: Amanda P. Lawrence, an 

unmarried person 


property is believed to be 2111 Appling Street, 

Chattanooga, TN 37406, but such address is 













forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-6/13,6/20,6/27/08 

S&K 08-004655 


accolades. The consumer 

does not care about these and 

this often conveys a manipulative 

tone to the consumer 

rather than evoke confidence. 

Trust-building content. If 

the consumer doesn’t feel 

confidence then you have to 

give them a basis for extending 

trust - for taking a risk. 

Content that helps comfort 

them about taking a risk with 

you include such things as 

the following: 

Your photo. Make sure it 

conveys a professional 

demeanor and presentation. 

Provide personal data. 

Married? Children? Member 

of the local Congregational 

Church? On the school 

board? Help your website visitor 

know enough about you 

to place trust in you. 

Display trust-building 

credentials. In a sense, your 

website is your resume. Make 

sure that your resume offers a 

good basis for extending 

trust. Include the length of 

time you have been in the 

industry or a resident of the 

community. Include memberships 

in service organizations 

(e.g. Chamber of Commerce, 


at 10:00am, local time, at the west door, 



by Ronald H. Griffith and wife, Hurdis M. 

Griffith to Title Escrow of Chattanooga, Inc., 

Trustee, on March 1, 1987 at Book GI 3322, 

Page 354 and conducted by Shapiro & Kirsch, 

LLP, Substitute Trustee, all of record in the 


Owner of Debt: EverBank Mortgage 







wit:_Lot Five (5), Block E, Brainerd Park 


Plat Book 10, page 21, in the Register’s 

Office, Hamilton County, Tennessee, to which 

plat reference is hereby made for a more particular 

description of said property. 

Street Address: 206 Maplewood Drive, 


Current Owner: Varnetta Laverne Clay 

Other interested parties: City of Chattanooga 


property is believed to be 206 Maplewood 

Drive, Chattanooga, TN 37411, but such 














forth above. 

















Phone 901-767-5566 

Fax 901-767-8890 

HCH3T-6/13,6/20,6/27/08 

S&K 02-1720 ❖ 

Kiwanis) and professional or 

academic credentials. 

Display a personal guarantee 

statement with a remedy 

- something like: “If you’re 

not completely satisfied with 

the work I do on your behalf, 

I will…” Make sure you can 

follow through. 

Get certified. If you are 

not a member already, consider 

becoming a member of 

the Better Business Bureau. It 

is not expensive and it will 

contribute to the sense that 

you are worthy of trust. 

Not least in the effort to 

evoke trust and confidence 

from your website visitor is 

the nature of the website 

itself. A professional-looking 

site, with relevant and carefully 

edited content (no misspellings 

or grammatical 

errors) will go a long way 

toward ensuring confidence. 

In the end, your ability to 

be successful, on the Internet 

or off, is all about getting the 

trust and confidence of the 

consumer. Make sure you 

manage those attributes carefully 

and you will always find 

it a lot easier to get clients, 

and to satisfy them. ❖


Are you: 

Successful? 

Experienced? 

Hard Working? 

Happy? 

TRUSTEE/MORTGAGEE’S SALES SCHEDULED IN THE NEXT 3 WEEKS 

Property City Instr # Owner Trustee 

SALES TO TAKE PLACE ON 6/16/08 

No office fees 

No desk fees 

Two prime locations 

Great commission split 

Current technology 

No franchise fees 

Happy Home Realty 

Experienced Agents Desired 

Email your confidential inquiries to 

info@happyhomerealty.com 

“Happy” Huddleston 

596-8999 ~ 877-7576 

6932 Ramsey Town Road 37341 • L5, Dill’s Estates Subd Harrison GI 6114/646 Theresa Ramsey Wilson & Associates, PLLC 

9208 River Oaks Road 37341 • L45, River Oaks Subd, 

Unit 1 

Harrison GI 8183/13 Tanya Gholar Wilson & Associates, PLLC 

7300 Cline Road 37343 • L1, David Vandergriff Property Hixson GI 5268/885 Sharon V. Potter, Arthur Potter, Jr. Wilson & Associates, PLLC 

738 Old Lovelady Road 37343 • As Recorded Book 

GI5942, Page 192 

8874 Daisy Dallas Road 37343 • L1, Randall Abernathy 

Subd 

Hixson GI5942/192 Sheila Craft, Morris Craft Wilson & Associates, PLLC 

Hixson GI 7707/752 Randall Abernathy, Belinda Abernathy Wilson & Associates, PLLC 

1148 East 8th Street 37403 • L46, McCallie’s New Addn Chattanooga GI 7769/508 Kirsten B. Stark, John R. Stark Wilson & Associates, PLLC 

1116 Arlington Avenue 37406 • L3, B11, Woodlawn Subd Chattanooga GI 7420/846 Lois D. Martin, Kenneth T. Martin Wilson & Associates, PLLC 

4300 Kayla Circle 37406 • L73, Hillcrest Heights Subd Chattanooga GI 6635/553 Aaliyah Kameerah Hakeem Wilson & Associates, PLLC 

4113 Thirteenth Avenue 37407 • L4, B1, Desalba Home 

Place Subd 

Chattanooga GI 5286/244 Robert Craig Long Wilson & Associates, PLLC 

3500 Navajo Drive 37411 • L5, Enger’s Subd Chattanooga GI 7592/648 Rebecca D. Shepard, Carl M. Shepard Wilson & Associates, PLLC 

813 Fern Street 37411 • L24, Loomis Eighty Acres Tract Chattanooga GI 8303/531 Marylis Norris, Richard Norris, Lena B. Norris, 

Perry G. Norris 


Wilson & Associates, PLLC 

8523 Ricardo Lane 37343 • L117, Sequoyah Hills Unit 3 Hixson S&K 08-001802 David L. Roberts and Jennifer Roberts Shapiro & Kirsch LLP 

1509 Adair Avenue 37412 • L7, B “E”, Castle Park Addn East Ridge S&K 08-003955 Jerry W. Jarnagin and Tara Jarnagin Shapiro & Kirsch LLP 

710 Belvoir Avenue 37412 • L6, Resubd Of Brook Field 

Place 

3304 Lockwood Drive 37415 • L42, Century Company’s 

Subd 


9908 Virginia Kay Lane 37341 • L17, Unit 3, Bettis Acres 

Subd 

Chattanooga S&K 08-004546 Jimmie Birmingham and Stephanie Birmingham Shapiro & Kirsch LLP 

Chattanooga S&K 08-004879 Jason M. Thrash And Zona M. Thrash Shapiro & Kirsch LLP 

Harrison GI 7652/675 Angela Beth Freeman, Carney Brown Freeman, 

III 


1038 Hill Crest Road 37343 • L7, Hillcrest Estates, Unit 1 Hixson GI 8107/43 Grayson Addlesberger Wilson & Associates, PLLC 

6127 Flag Point Drive 37363 • L364, Flagstone Subd, Unit 

12 

7416 Country Hill Lane 37363 • L72, Resubd Of Chad’s 

Addn 

Ooltewah GI 8425/950 Susan C. Dorsa, Jeffrey C. Dorsa Wilson & Associates, PLLC 

Ooltewah GI 8219/519 Sharon Baliles Wilson & Associates, PLLC 

10518 Collins Road 37379 • L1, Sneed Subd Soddy Daisy GI 7528/896 Francis G. Taylor, Dolores I. Taylor Wilson & Associates, PLLC 

4115 13th Avenue 37407 • L3, B1, Desable Home Place Chattanooga GI 5265/461 Robert Craig Long Wilson & Associates, PLLC 

2403 Kirby Avenue 37411 • L2, Bank’s Resubd Of 

Stewart’s Addn 

Chattanooga GI 7346/501 Garnett Martin Wilson & Associates, PLLC 

1012 Roselawn Drive 37421 • Prt Of S22, T6,N2,S,R3W Chattanooga GI 8198/695 Amanda Nicole Dixon, Jonathon Eric Dixon Wilson & Associates, PLLC 

1350 N.concord Road 37421 • As Recorded Book GI7592, 

Page 961 


4701 Old Mission Road 37411 • L17 & 18, B5, Biltmore 

Estates 

1201 Regency Court 37421 • As Recorded Book GI7390, 

Page 476 


6151 Veronica Drive 37363 • L581, Hamilton On Hunter 

Subd, Phase 11 

Chattanooga GI 7592/961 Stacy K. Prater Wilson & Associates, PLLC 

Chattanooga S&K 08-004845 James A. Woodruff and Patricia A. Woodruff Shapiro & Kirsch LLP 

Chattanooga S&K 08-002224 Wendell L. Morris Shapiro & Kirsch LLP 

Ooltewah GI 6610/594 Leigh A. Bain, Robert L. Bain Wilson & Associates, PLLC 

8003 Turtle Lane 37363 • L92, North Heron Bay Subd Ooltewah GI 7750/752 Dewanna Higdon Shelton, Claude P. Shelton, Jr. 

aka Claude P. Shelton 


9209 Hunters Bend Circle 37363 • L7, Hunter’s Ben Subd Ooltewah GI 6806/612 Bekita M. Heath, David C. Heath Wilson & Associates, PLLC 

2126 North Fork Drive 37379 • L26, North Fork At Lake 

Subd 

1123 Greenwood Road 37411 • L1, S.A. Rush’s Resub Of 

Loomis Tract 

1917 Prigmore Road 37412 • L16, B “C” Daro Vista Resub 

Of Fruitlands 

1007 Brynewood Park Road 37415 • L116, Unit 4, 

Brynewood Park 

Soddy Daisy GI 6951/881 Karen Curtis Wilson & Associates, PLLC 

Chattanooga 4031/435 Estate of Lee Cole, Mary Cole, Lee S. Cole Wilson & Associates, PLLC 

Chattanooga GI 6144/44 Barbara Elaine Youngblood, Allen Youngblood Wilson & Associates, PLLC 

Chattanooga GI7728/391 Robert E. Stokes, Ginny L. Stokes Wilson & Associates, PLLC 

6744 Harbor Circle 37416 • L8, B “C”, Lake Harbor Estates Chattanooga GI 7988/11 Virginia Mixon, Dennis W. Mixon Wilson & Associates, PLLC 

7442 Hamilton Run Drive 37421 • L20, Hamilton Run Subd Chattanooga GI 7773/225 Toni L. Hudson, James David Hudson Wilson & Associates, PLLC 

8261 Tiber Road 37421 • L236, Yorktown Woods, Unit 5 Chattanooga GI 6766/140 Angelika A. Watkins, Victor W. Watkins aka Victor 

Wayne Watkins 

Wilson & Associates, PLLC



6441 Mill Stream Drive 37341 • L25, River Oaks Subd, 

Unit 4 

Harrison GI 7289/3 Orlando D. Green Wilson & Associates, PLLC 

1323 Cloverdale Circle 37343 • L76, Cloverdale Hills Addn Hixson S&K 08-004047 Teresa Cason Shapiro & Kirsch LLP 

1409 Wingate Lane 37343 • L23, North Glen Estates, Addn 

No.2 

Hixson GI 8206/330 DeSha Sparks, Corey Mosley, Lester Bragg Wilson & Associates, PLLC 

7308 Dublin Lane 37343 • L13, Shannon Hills Hixson S&K 07-21614 Rossie Elizabeth Condra and Alisa Mcnabb Shapiro & Kirsch LLP 

7751 Village Way Drive 37343 • L6, Greenway Village Hixson GI 8097/772 Andrea Smith, Christopher Smith Wilson & Associates, PLLC 

9007 Pleasant Lane 37363 • Prt Of S5, T4, R2W Ooltewah GI 8245/472 Deborah Hester Wilson & Associates, PLLC 

9912 Frost Creek Drive 37363 • L59, Frost Creek Farms, 

Phase II 

1809 Hazel Alder Lane 37379 • L90, Timber Ridge Subd, 

Phase 2 

2423 North Shore Acres Road 37379 • L37, Thatchers 

Shore Acres Subd 

900 Mountain Creek Road 37405 • Unit 460, Lake Park 

Condominium 

Ooltewah GI 7639/63 Debbie T. Harbin, James E. Harbin Wilson & Associates, PLLC 

Soddy Daisy GI 8369/784 Hilary J. Rutledge, Matthew J. Bradshaw Wilson & Associates, PLLC 

Soddy Daisy GI 7308/706 Nancy M. Worland, Peter M. Worland Wilson & Associates, PLLC 

Chattanooga GI 8033/691 John Rowan Wilson & Associates, PLLC 

2603 Ridge Crest Drive 37406 • L11, B9, Battery Heights Chattanooga GI 4984/309 David A. Queen, Shirley A. Queen Wilson & Associates, PLLC 

5008 Golfview Drive 37411 • L13, B1, Ridgeview Place No. 

2 

5600 Pinelawn Avenue 37411 • L9, B “D”, Brainerd Park 

Subd 

Chattanooga GI 5573/814 Anita Y. Stone, Jarrett Stone Wilson & Associates, PLLC 

Chattanooga GI 7898/785 Niki Spence Washington, Brian Washington Wilson & Associates, PLLC 

203 Bales Avenue 37412 • L19, B “D” Welwood Heights Chattanooga GI 7645/628 Jerry L. Marcum, Nancy Marcum Wilson & Associates, PLLC 

321 Callaway Court 37421 • L1, Unit 687, The Gardens At 

Heritage Green Condominiums 

6611 Hickory Trace Circle 37421 • L54, Hickory Trace 

Townhomes, Phase II 

Chattanooga GI 8293/19 Claudette Wade aka Claudette Alice Wade Wilson & Associates, PLLC 

Chattanooga GI 8224/927 Kelly D. Turner Wilson & Associates, PLLC 

7905 Hickory Hollow Lane 37421 • L7 Cedar Creek Subd Chattanooga GI 8457/458 Tara Henderson, Catrelle D. Henderson Wilson & Associates, PLLC 

910 Graysville Road 37421 • L5, Foster Glenn Subd Chattanooga GI 8014/96 Cheryl B. McCormack, Joseph I. McCormack Wilson & Associates, PLLC 


7123 Condra Drive 37341 • L147, Moon Shadows Subd Harrison GI 8089/731 Rachel T. Jonas, David Merwin Jonas Wilson & Associates, PLLC 

9205 River Oaks Road 37341 • L144, River Oaks Subd, 

Unit 1 

119 South Moore Road 37411 • Prt Of L8, B “A”, Hamilton 

Place 

TRUSTEE/MORTGAGEE’S SALES SCHEDULED IN THE NEXT 3 WEEKS 

Property City Instr # Owner Trustee 

Secrets of successful collectors 

From Star Wars stamps to 

Pez dispensers, collectors all 

over the world scour everything 

from auctions to 

antique festivals searching 

for pieces equal to the “holy 

grail” in their collectible categories. 

What drives them? 

For some, it’s the thrill of the 

hunt. For others, it’s having 

the most prized possession in 

the palm of their hands. For 

all, however, it’s the camaraderie 

amongst like collectors 

looking for that same big 

find. 

For the avid collector or 

amateur, the world’s most 

devout — fanatics of Fiesta 

Dinnerware — share their 

secrets to building a collection 

that will make your collecting 

comrades green with 

envy. 

Determine your goals 

There are two goals in 

collecting: buying what you 

love and buying what will 

resell at a higher price. First, 

determine if you love to collect 

this item or if you plan 

to buy, sell or even trade. 

Then collect accordingly, 

says Wendy English of 

Arizona. English is literally 

“driven” by her love of 

Fiesta. Vanity plates on both 

her vehicles are: FIESTA1 

and LVDISHES. 

Pick your passion 

People start collections 

for as many reasons as there 

are items to collect — nostalgia, 

as a means of investment 

and carrying on a tradition. 

For Harvey Linn of 

North Carolina, it’s personal. 

He ate off of a Fiesta plate 

Harrison GI 7272/529 Chandra Renee Davis, Alonzo J. Davis, Jr. aka 

Alonzo Davis, Jr. 

Chattanooga GI7726/351 Joyce Barger, Robert Eugene Barger aka Robert 

E. Barger 

(always Cobalt blue) at his 

grandmother’s house in the 

mid 1960s. With her passing 

in 1986, he found that same, 

now vintage, plate and 

became a collector of his 

grandmother’s beloved dinnerware. 

Do your homework 

If you don’t know much 

about the category you’re 

collecting, you might be 

duped when purchasing a 

coveted item. Know the 

value of certain items, how 

rare they are compared to 

others and what conditions 

are acceptable for resale, 

especially if you plan to sell 

or trade. 

Make friends 

What better way to find 

the latest and greatest information 

about your collectables 

than from your peers? 

Join a club dedicated to your 

desires. You’ll find everything 

you want to know 

about the category and you’ll 

make friends that share your 

passion. 

Display the prize 

Don’t make the mistake 

of storing items in a cardboard 

box in the garage. 

Maintain them by keeping 

them out where you and oth- 

ers can enjoy them. And 

what better way to keep 

inventory of what you have 

and need? However, be sure 

to keep fragile and extremely 

rare items behind glass or in 

cases to keep them from 

being broken or soiled. 

Display by theme, style 

or time period 

To create an eye-catching 

display, look for commonalities 

like color or time 

period. English collects only 

vintage pieces and displays 

them by the place setting in 

her kitchen. “I have a set in 

every color, except 

Sapphire,” she says. While 

shelving or cabinets are 

ideal, some collectors designate 

entire rooms to their 

collections. “It really 

depends on the size of your 

items, and overall collection,” 

adds English. 

Don’t settle 

Settling for a specific 

piece that is less than perfect 

is a big mistake. For instance, 

don’t purchase the sugar 

bowl sans lid — it will surely 

disappoint. Most collectors 

buy an item thinking they’ll 

find the missing lid or accessory, 

which is rarely the case. 

Purchase only intact, well- 



maintained pieces for the 

best return on investment. 

Look for “numbered” 

items or limited editions 

Linn collects for quality, 

not quantity. “I used to pick 

up odds and ends,” he says. 

“Now, I only buy numbered 

or special edition items.” 

Shop “secondary” markets 

Linn looks to the 

Internet, online shopping 

sites and even blogs for hardto-find 

pieces. “I look for 

items made in a year ending 

in five or zero,” he says. This 

year, Fiesta collectors are 

buzzing about the first of 

three anniversary collections. 

Considered an 

American icon, the brand 

turns 75 in 2011. “When 

there is a limited color collection 

with special backstamp, 

it makes the collecting 

community very happy,” 

he says. Today, the 75th 

anniversary mixing bowls are 

available at retail stores, but 

next year the item retires and 

says Linn, “will trickle into 

secondary markets and 

become the newest musthave.” 

Courtesy of ARAcontent 

❖


(423) 698-8001 

Fax: (423) 698-8004 

FOUNDED IN 1912 

Upcoming Educational Opportunities for 

Realtors 

Building Talk 


9:00 a.m. to 3:00 p.m. 

6 CE Credits 

Upon completion of this course, Realtors will become familiar 

with the important characteristics of existing homes. Attendees 

will also learn conditions owners and buyers should be aware of in a 

building and the appropriate occasions for using qualified experts to 

investigate questionable conditions. 

FHA Basics for Real Estate Professionals 

Wednesday, June 18 

9:00 a.m. to 12:00 p.m. 

3 CE Credits 

This beneficial course covers FHA financing, loans, the buying 

and selling of HUD homes and other ways to help buyers, sellers 

and the community by expanding homeownership opportunities to 

more individuals. 

Enhancing Customer Service by Utilizing Public Records for 

Commercial Realtors 


10:00 a.m. to 12:00 p.m. 

Designed exclusively for commercial real estate practitioners, 

this course offers the opportunity to learn how to better serve commercial 

clients by taking advantage of valuable information in public 

records. 

Enhancing Customer Service by Utilizing Public Records 


1:30 to 4:30 p.m. 

3 CE Credits 

Presented by Courthouse Retrieval, this offers Realtors the 

opportunity to learn how to better serve residential clients by taking 

advantage of valuable information available through public 

records. 

Servicing the Short Sale 

Thursday, July 17 

1:00 to 4:00 p.m. 

3 CE Credits 

More and more people are wondering about short sales. This 

course begins with reasons for default and goes all the way up to 

preparing a proposal for a bank to better help Realtors understand 

short sales in real estate. 

Learn more at 

www.ChattRealtors.com 

Northwest Georgia Council of Realtors 

Luncheon Meeting 

Friday, June 20 

11:30 a.m. at the Walker County Civic Center in 

Rock Spring 

Please join us in welcoming special guest 

Van Johnson, 2008 President of the Georgia 

Association of Realtors 

R.S.V.P. to Latrice@ChattRealtors.com 

www.ChattRealtors.com 

Each June we, as Realtors 

and champions of the word 

“home,” take time to remember 

this as being National 

Homeownership Month. It’s 

worthwhile when you consider 

the rich history of homeownership 

in America. For centuries 

we’ve continued to see homeownership 

stand as the cornerstone 

of the great American 

Dream. 

T.S. Elliot once wrote: 

“Home is where one starts from.” 

I, along with my fellow 

Realtors, am in the business of 

giving people a place to start 

from – no matter where they 

come from and no matter what 

their background. 

Helping people realize the 

American Dream of homeownership 

makes a positive difference 

in the personal lives of buyers, 

as well as for the country as a 

whole. Throughout history, 

homeownership has played a 

major role in the growth of our 

nation’s economy. 

America’s homeownership 

rate hovered around 46 percent 

between 1900 and 1920, before 

declining to a low of 44 percent 

by 1940. After World War II, 

the homeownership rate rose 

dramatically – to 55 percent by 

1950 – as the postwar economy 

boom contributed to American 

prosperity. 

Real estate and the purchases 

of homes were central to 

building this prosperity. By 

1960, homeownership had 

grown to 60 percent, thanks to 

favorable tax treatment and 

attractive financing related to 

homeownership. 

America’s homeownership 

President’s Message 

Homeownership in America 

Celebrate 

as National 

Homeownership 

Month! 

Pam Duffy 

rate approaches 68 percent, 

ranging from a low of around 47 

percent in the District of 

Columbia to a high of more than 

76 percent in Delaware and 

Michigan, according to the latest 

U.S. Census Bureau. Locally, 

those figures point to a healthy 

71 and 70 percent in Tennessee 

and Georgia, respectfully. 

Homeownership offers 

immediate benefits and longterm 

value. Homeowners accumulate 

wealth for the future 

while enjoying the benefits of a 

shelter they can use, improve 

and sell. The home is truly a safe 

haven for investment in this 

country. 

According to data from the 

Federal Reserve Board, a homeowner’s 

net worth is 46 times 

that of a renter’s. American 

families quickly learn how 

homeownership is the best way 

to accumulate wealth and build 

a nest egg for a sounder future. 

Still, despite the fluctuations 

experienced in some markets, 

the national headlines only 

look at the short term, when in 

reality we see that over a typical 

JUNE 

2963 AMNICOLA 

HIGHWAY 

CHATTANOOGA, 

TENNESSEE 37406 

six year period of homeownership, 

home values usually rise at 

a normal, gradual pace. 

Exceptions to this general trend 

almost always result from prolonged 

localized economic 

downturns, often driven by job 

and population losses. Locally, 

economic growth has fared well. 

As more people and businesses 

discover all that the greater 

Chattanooga area has to offer, 

we can continue to expect a 

healthy real estate market for 

current and future homeowners. 

Plus, consider that homeowners 

also benefit from the 

power of leverage. Over 10 years, 

a $10,000 investment in the 

stock market at a normal 10 percent 

market rate of return would 

yield $23,600. The same investment 

as a down payment on a 

$200,000 home at a normal 

appreciation rate of five percent 

would return nearly five times 

the stock market return, at 

$110,300. 

Housing is not a quick-in, 

quick-out investment. When 

purchased for the long term, 

housing is one of the safest 

investments consumers can 

make. In addition to the savings 

accumulated through a buildup 

of equity and tax advantages, a 

home provides shelter. No paper 

investment provides this benefit. 

So in this year’s National 

Homeownership Month, let us 

remember all that homeownership 

means to the fabric of our 

nation. Helping bring people 

home is something we Realtors 

have been proud to do for so 

many in the history of our 

nation. ❖ 

Association Officers 

Pam Duffy, President; Nickie Schwartzkopf, President-Elect; Jennifer Grayson, Secretary/Treasurer; Jason Farmer, Immediate Past President 

Association Directors 

Graham Burns, Chris Davis, Russell Elliott, Robert Fisher, Dan Griess, Mark Hite, Brian Kelly, Marie King, Denise Lindsey, Frank McDaniel, Janice Robertson, Joyce Smith, Bobby Teems 

MLS Officers 

Randy Durham, President; Kathy Tucker, President-Elect; Y.L. Coker, Secretary/Treasurer 

MLS Directors 

Y.L. Coker, Pam Duffy, Robert Fisher, Dan Griess, Mark Hite, Marie King, Janice Robertson, Nickie Schwartzkopf, Bobby Teems, Kathy Tucker

50 years ago... Inside... - Chattanooga Bar Association

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