Briefly... Inside... - Chattanooga Bar Association

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 13
REAL ESTATE
HAMILTON COUNTY HERALD
Briefly...
Strong rebound
in pending
home sales
Pending home sales
jumped in October, showing
a positive uptrend since bottoming
in June, according to
the National Association of
Realtors.
The Pending Home Sales
Index, a forward-looking indi-
cator, rose 10.4 percent to
89.3 based on contracts
signed in October from 80.9
in September. The index
remains 20.5 percent below
a surge to a cyclical peak of
112.4 in October 2009, which
was the highest level since
May 2006 when it hit 112.6.
Last October, first-time
buyers were motivated to
make offers before the initial
contract deadline for the tax
credit last November. The
data reflects contracts and
not closings, which normally
occur with a lag time of one
or two months.
Lawrence Yun, NAR
chief economist, said excellent
housing affordability
conditions are drawing home
buyers.
“It is welcoming to see
a solid double-digit percentage
gain, but activity needs
to improve further to reach
healthy, sustainable levels.
The housing market clearly
is in a recovery phase and
will be uneven at times, but
the improving job market and
consequential boost to household
formation will help the
recovery process going into
2011,” he said.
“More importantly, a
return to more normal loan
underwriting standards and
removal of unnecessary under-
writing fees for very low risk
borrowers is needed and could
quickly help in the hous-
Continued on page 14
Inside...
business info
Real estate facts ....14
building Permits.......14
Deeds ......................15
legal notices
Public notices ..........15
By Erica Tuggle
Art Johnson, owner of
Mountain City Construction,
says he’s positive 2011 is going
to be a good year in Chattanooga
because of the new businesses
coming into town that havebrought
a positive attitude
toward construction and remodeling
with them.
“Attitudes have changed
and you can see it in the press,
the politics and local news that
it is more positive,” he says.
He says December has been
booked with remodeling jobs,
which is another encouraging
sign for the future. The first half
of this year started off well, but
after the tax credit was ended, a
lot of business came to a screeching
halt, which he says could
have been avoided if the credit
was phased out instead.
You can take Johnson’s
advice on matters like these
with the name recognition he
has earned with his projects and
skills that he has been using in
this business since he started in
his senior year of high school.
“I have always had an aptitude
for looking at things and figuring
out how they were built,”
he says. “I remember back in
elementary school taking these
aptitude tests that said what you
were good at, and mine always
said construction.”
Born and raised in
Chattanooga, Johnson first began
working for W.F. Cotton, local
builders, who realized Johnson’s
knack for construction, took him
under their wing and showed
him how to build houses. From
Newsletter,
Page 28
For Hamilton, Sequatchie, Dade,
Walker and Catoosa Counties
Chattanooga real estate agent works unique niche
By David Laprad
Place Crye-Leike agent
James Downey in front of a seemingly
impenetrable brick wall,
and he’ll find a way through it.
He’ll step back, take in the big
picture, and then move in close
to examine every square inch
until he finds a small opening no
one else saw. This skill has served
him well in his profession. While
many agents are doing their best
to survive in a challenging market,
Downey has found a niche
that actually grew out of the current
housing situation.
He’s used this approach
since obtaining his real estate
license in 1991.
“I researched the market
and discovered you could pay a
homeowner for the equity he’d
acquired in his house and take
over his payments. That law
ended in 1989, but you could still
do that on properties financed
before that time. It was a niche
in the market. I advertised it,
and it turned out really well,”
he says.
Downey rode that gravy
train until it ran out of steam
three years later. His next niche:
getting people into a residence
with no money down.
“We were still in a recession
at that point, so I teamed up with
Crye-Leike real estate agent James Downey has a knack for finding niches
in the housing market to serve. He’s currently helping people with past
credit problems or no credit at all get into a home. (David Laprad)
a new investor at Quail Hollow
Condominiums who’d let people
do a lease-to-purchase with no
money down. I sold quite a few
condos over there,” he says.
Downey found his next
niche – first time homebuyers
– in the mid-’90s. By the early
2000s, he was producing $7.5
million in annual sales. He’s still
working the same angle today,
although when the market hit a
brick wall in 2007, he had to find
a niche within his niche.
“My key to selling houses is
to learn about the programs that
Art Johnson, owner of Mountain City Construction Company, says
December has been a surprisingly busy month for their construction business
in renovations and new home building. Johnson has seen many
changes in his years in the industry and says Chattanooga’s construction
sector stays consistent most of the time with business. (Erica Tuggle)
are out there to help people get
into a house. So at the moment,
I’m working with people who
haven’t owned a house for three
years or who have had a foreclosure,
or who have had a bankruptcy,
and they want to start
over. If you haven’t owned a
home in three years, you’re considered
a first time homebuyer
and can quality for a number of
programs,” Downey says.
For example, lenders
approved by the Tennessee
Housing Development Agency
will accept a credit score of 620,
whereas other lenders rarely go
below 640, Downey says.
Downey can also help people
with no credit score by using
alternative credit sources such
as utility bills. He even helped
to secure financing for someone
who was making payments on
a gravesite and a veteran who’d
been dishonorably discharged.
“We’ve all made mistakes,
but there’s still hope out there.
Some people won’t believe it
until they’re holding the keys to
their house,” Downey says.
Downey says securing a
niche in a competitive market
isn’t easy. An agent must put a
lot of time into identifying an
area in which he or she can do
Busy December signals the beginning of good times
Continued on page 14
there, Johnson had a small
company with his father in the
’80s, worked for Chester West
Inc. in Huntsville and worked
for a Nashville company called
Custom Homes that did projects
for artists like Randy Travis and
Conway Twitty.
After that, Johnson
returned to Chattanooga to
work with Bell Development for
17 years. Three years ago he and
his partner/wife, Realtor Karen
Riede, brought all this experience
together to start Mountain
City Construction. He says now
he has learned the differences in
working for yourself in construction.
“When I worked for builders,
I watched the costs and how
I was spending their money. The
difference between that and now
is I’m spending my money,” he
says. “When I was spending their
money, I probably just went with
what I knew was right. When you
are spending your own money,
you can over think things you
probably shouldn’t, and I had to
learn how to be a businessman.
I knew about business, but actually
knowing it and practicing it
are two different things.”
Through his years of experi-
Continued on page 14

14 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Chattanooga
building permits
chattanooga
Additions
5001 Florida Ave, 37409; francesco
Pizzuto, same address; fence &
Deck addition; $3,500; owner, •
033167J-e-00900
500 Winston Rd, 37405; unruh
David J & Patricia W, same address;
applicant Requests a Reduction in
Right street side Yard setback from
25’ to 0’ for single car covered
Parking structure.; $15,000; Jim
Morrow, 728 elinor street 37405 •
033136h-J-01600
New Construction
1760 Andover Pl, 37421; atlas
Developers llc, 3119 Mt Pisgah
Rd, Ringgold 30736; new single
family Residence; $125,000; tina c.
goodwin, 3119 Mount Pisgah Road,
Ringgold 30736 • 033159J-h-01500
1748 Andover Pl, 37421; atlas
Developers llc, 3119 Mt Pisgah
Rd, Ringgold 30736; new single
family Residence; $130,000; tina c.
goodwin, 3119 Mount Pisgah Road,
Ringgold 30736 • 033159J-h-01600
1032 Lynnstone Dr, 37405; horse
creek llc, Po box 104, signal
Mountain 37377; new sf Residence;
$208,000; William e. clegg Jr., Po
box 879, hixson 37343 • 033117cc-05800
Repairs & Alterations
4803 Hwy 58, 37416; luken henry
g iii, Po box 11549 37401; interior
finish for Kidney center; $702,693;
no contractor listed, 6148 lee hwy,
ste 109 37421 • 033129b-c-00701
2525 De Sales Ave, 37404; sisters
of charity of nazareth, 2525 Desales
ave 37404; alt/exp of frozen section
lab; $168,000; Jimmy griffin, Po box
22937 37422 • 033146e-D-00100
3407 Amnicola Hwy, 37406; Downer
e M etux Dixie e, 8930 Western Way
suite 4, Jacksonville 32256; cosmetic
& counter upgrades; lighting Pkg;
$42,371; Phillip Ratley, Po box 468,
elkin 28321 • 033127K-a-00104
6345 Heritage Ridge DrHixson,
37343; beasley benjamin f Jr & betty
s, same address; attic insulation;
$2,125; Marlene Walliker, 2141 Kerr
Rd., sevierville 37876 • 033100l-c-
01900
4128 Harbor Hills Rd, 37416; harris
Daniel c & sara e, same address;
Residential Re-Roof; $11,900;
Marlene Walliker, 2141 Kerr Rd.,
sevierville 37876 • 033120o-b-
00100
142 Baltusrol RdHixson, 37343;
trotter gregory allan &, same
address; convert existing screen
Porch to sunroom; $24,072; owner,
• 033100D-b-01200
9124 Amos RdOoltewah, 37363;
John Mullins, animal care center of
ooltewah, ooltewah 37363; finish
Work,finish h/c inside,striping
Parking lot,landscaping of Project,c.
Niche Continued from page 13
business without an immediate
return on the investment, spend
a considerable amount of money
on advertising, and utilize a bit
of ingenuity.
“You also have to work
on your past customers. About
60 percent of my clients call
me when they’re ready to buy
another house,” he says.
Once Downey settles into
a niche, he rarely works outside
of it. For example, he currently
pours most of his energy into
acting as a buyer’s agent. While
he does list houses occasionally,
he says it’s not his forte.
“There are people in this
area who are good at listing
houses, and that’s all they do.
I’m not good at that; I’d rather
sell,” he says.
Offering a specialized service
allows Downey to become
skilled in his area. One of his
specialties is calculating how
much house a person can really
afford – a process that involves
asking wrong questions until he
asks the right one.
“I had a well educated, top
of the line lady earlier this year
tell me she could afford one
price, but not another. Then I
asked her if she had any storage.
She said was paying $150
a month on storage, but had
forgotten about that when
deciding what kind of house
she could buy. I told her a nicer
house would still cost $43 less
than her rent and her storage
bill combined,” Downey says.
Downey says he loves looking
for things other people don’t
see and finding ways to help his
clients achieve what they want.
While he doesn’t feel personally
rewarded, he says he enjoys
making his customers happy.
“Of course, there will always
be people you can’t make happy.
I run into a couple of those a
year. One guy came to the closing
and accused me of not telling
him he was going to have
to pay interest,” Downey says,
shaking his head.
One of the reasons Downey
has succeeded in his current
niche-within-a-niche is he
knows the housing market
inside and out.
“I know which companies
look for what, and which underwriters
are the most strenuous. I
keep the current interest rates
in my head, and I know where
properties values are lower and
higher. I can tell someone who’s
looking to buy a $130,000 home
in Hixson that his taxes will be
cut in half if he moves ten miles
down the road to Soddy Daisy,
which will help him qualify for
more of a house. That’s all a
part of the package,” he says.
Downey was born in North
Chattanooga and attended
Chattanooga High School. He
sold awnings at his first job and
then worked for Red Food for
ten years. When he was 30, he
put his house in the Brainerd
area up for sale, and his listing
agent talked him into going to
real estate school. Although he
says 2010 has been hard, he’s
looking forward to better days.
“The recession hurt people
financially, and while the
underwriters are still tight,
they’re starting to look at the
big picture: the kind of backup
buyers have, whether or not
they have established credit,
and when they don’t, if they
have good letters of credit from
their phone, cable and power
company. Things are getting
better in terms of financing,”
he says.
Whether the market is up
or down, or the path to homeownership
is clear or obstructed,
Downey will surely find a way to
serve his customers and make a
living in the process. v
Busy Continued from page 13
ence, Johnson has seen the whole
spectrum of where this business
can go. When he worked with
his father’s company, the interest
rates were 21 percent and
houses couldn’t be given away,
he says. Yet, Chattanooga has
always been a consistent market
and never gets as over inflated as
the rest of the country, he says.
“It’s been steady but slow
this year. We could be a whole
lot busier, but we are fortunate
enough that we are able to pay
our bills, and I’ll be here next
year and years after if I can make
it now.”
Mountain City Construction
does more than just build
custom homes; they also rebuild,
renovate and resale foreclosures,
do home renovations and also
do 203K loans with homebuyers
who buy a house in foreclosure
but don’t have the expertise to
do the renovations. They also do
punch lists for those selling their
home that need to decide which
work has priority funding after a
home inspection report.
The husband and wife team
does jobs from $200 to $200,000,
depending on a client’s needs and
diverse options. Building custom
homes, depending on the size
(and with weather cooperating)
takes about 100 days to finish a
200 square ft., $200,000 house,
he says. But a lot of that estimate
depends on if the homebuyer has
their ducks in a row.
“Before we move the first
scoop of dirt, we sit down and
lay out exactly what it is they are
going to put in the house – the
colors, the whole bit – so there
are no delays on their part. Once
you get all that stuff laid out,
building the house is the easy
part,” Johnson says.
The homebuyer influence
also determines the trends that
Johnson sees in his daily work.
He says granite surfaces have
become popular and are widely
used now that prices have gotten
down to where they can be
competitive.
Solid surface floorings, like
tiles and hardwoods, are popular
even in starter homes because
those prices are becoming more
and more comparable with carpet,
and it’s much healthier
when the dirt is not piling up
under a carpet surface, Johnson
says.
Another big trend in custom
building is energy efficient installation
and eco-friendly additions.
With remodeling jobs, he says
there has been a big switch to
energy saving and insulated windows
as well. Although, Johnson
says, the Southern Building
Codes in Chattanooga he has
been building by for years are
very similar to a green house’s
requirements.
“To build an eco-friendly
house, the steps are not that
much more. The funny part
about it is that people want to
pay for things they see. They
love to have an energy efficient
home, but since they can’t see
these additions, they tend to not
want to pay for them,” he says.
Because these trends promote
healthier living, Johnson
says he thinks they will continue,
although he does count
the stainless steel appliances and
concrete countertops as a passing
fad.
Johnson, his wife and his
five children enjoy the outdoors
and in the summertime like to
go to the lake, the pool and sit
in the sun and enjoy life. That is
not to say that he doesn’t enjoy
his work also.
“The reason I like it so much
is that it is rewarding. Every day
is so different and every project
is different and when you get
finished you can say, ‘Wow, I
did that.’” v
o.to be issued a completeion of
Project and satisfaction of building
inspector.; $15,000; owner, •
033123- -00500
232 W 37Th St, 37410; chatt
housing authority, Po box 1486
37401; Replace ext brick; Replace
int sheetrock; $6,400; george gates,
246 Woodland Rd, flintstone 30736 •
033155n-Q-06900
2809 E 46Th St, 37407; Morrison
charles t, 1205 Dunwoody Rd,
lafayette 30728; fire Restoration;
$45,000; Ron Pickett, 9245 sunny
shore ln 37416 • 033168J-l-02100
4300 Alabama Ave, 37409; cross
Jeffrey t & heather e, same address;
Remove old Roof and Replace With
lifetime Dimensional; $12,000; Ron
Pickett, 9245 sunny shore ln 37416
• 033167b-h-00100
3507 06Th Ave, 37407; isahi
gonzalez, 3505 6th ave 37407; level
lr fl; 2 Windows & 1 Door; $1,000;
owner, • 033168b-g-00400
6046 Windham RdHixson, 37343;
colony l P, 1796 Mack smith Rd,
Rossville 30741; finish Permit 07-
10778 for new house; $90,000;
sherman smith, 1796 Mack smith
Rd, Rossville 30741 • 033100- -
06309
4400 Tennessee Ave, 37409; Jim
lea, 8 Ridgeside Drive 37411; Roof,
Decking, Porch flooring, exterior
trim; $2,800; owner, • 033167bl-01600
1014 Westwood Ave, 37405; buckley
If you’re anticipating selling
your smaller-than-average
home, do not despair, because
the days of the overly sized
and overly priced McMansions
are shrinking in the rearview
mirror!
Buyers these days are looking
for ways to save money on
utilities and taxes, as well as
save time on yard work and
maintenance.
Your smaller property
offers benefits to first-time
buyers and those with an eye
towards conservation. Be sure
to highlight your lower utility
costs, and if your home sits
on a small lot, research property
taxes on larger lots in the
neighborhood and show how
much money buyers can save
with yours.
People who are downsizing
or buying for the first
time want easy maintenance,
so you should absolutely list
Real Estate
Facts
By Elwynn Schwartz
It’s a small world
Patrick J & Maryn l, same address;
Remove & Replace Roofing; $6,400;
greg fulton, 2016 Dayton blvd., Red
bank 37415 • 033127i-b-02600
156 Glenwood Dr, 37404; brantley
Donna l, same address; Residential
Re-Roof; $6,450; bob Davis, 2409
george town Rd, cleveland 37311 •
033146l-e-00300
2512 E 04Th St, 37404; lindsey
John Jr & Yvonne, same address;
Residential Re-Roof; $6,955; bob
Davis, 2409 george town Rd,
cleveland 37311 • 033146l-b-00700
947 Brynwood Ter, 37415; Miao Daw
chun & Kuei chu, same address;
Residential Re-Roof; $4,587; bob
Davis, 2409 george town Rd,
cleveland 37311 • 033109K-D-
00100
42 N Crest Rd, 37404; Queen James
e & Kathleen J, same address;
bathroom Remodel; $32,000; Joe
burke, 704 colville street 37405 •
033146M-g-01500
4611 Biltmore Ave, 37411; Moore
Walter & Jacqueline Davis, same
address; new Roofing, Vinyl siding,
Remodel bath & Kitchen; $16,000;
Jason taylor, 956 houston Valley
Rd, Ringgold 30736 • 033157g-g-
01300
103 W 45Th St, 37410; southern
cellulose Products inc, Po box
1470, Decatur 62525; Roof; $44,783;
Michael hilton, 334 freehill Rd.,
hendersonville 37075 • 033167c-K-
01100 v
Rebound Continued from page 13
ing and economic recovery,”
Yun said. Recent loan performance
data from Fannie Mae
and Freddie Mac clearly demonstrates
very low default rates on
recently originated mortgages,
much lower that the vintages of
2002 and 2003 before the housing
boom.
The PHSI in the Northeast
jumped 19.6 percent to 71.3
in October but is 27.3 percent
below the tax credit peak in
October 2009. In the Midwest
the index surged 27.3 percent
in October to 81.7 but is 24.8
percent below a year ago.
Pending home sales in the
South rose 7.1 percent to an
index of 93.8 but are 18.4 percent
below October 2009. In the
West the index slipped 0.4 percent
to 104.3 and is 15.6 percent
below a year ago.
Near term, Yun expects
home sales will continue to
climb from their cyclical low
this past summer.
“Even so, we now have
some consumer concerns regarding
the mortgage interest deduction,
an important component
in housing affordability,” he said.
“Preliminary results of a new
survey show nearly three out
of four home owners and two
out of three renters consider the
mortgage interest deduction to
be extremely or very important
to them. Home owners already
pay between 80 and 90 percent
of all federal income taxes
and additional tax burden would
hurt them and the economic
recovery, so we have a reasonable
hope that it will not be
changed.”
Source: NAR v
any new appliances or systems
you’ve installed, like heating
and/or air, and Energy Star
refrigerators, water heaters
and the like. First time buyers
are usually accustomed to the
landlord fixing any problems,
so new appliances still under
warranty are very attractive to
that segment.
Buyers who are downsizing
will be rethinking their space,
so make sure you make your
rooms look larger and show
off your storage space. Cut the
clutter, remove some furniture
and let in the light!
If you live within walking
distance to shopping and
activities, have your agent promote
that, and emphasize that
location and function offset
your home’s smaller size.
Elwynn Schwartz is the
owner of Chattanooga Real
Estate Consultants and may be
reached at 423-894-3050.

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 15
DEEDS WITH CONSIDERATION OF $150,000 OR MORE NOVEMBER 29 - DECEMBER 3, 2010
SUBSTITUTE TRUSTEE’S SALE
Sale at public auction will be on January
14, 2011 at 10:00 AM local time, at
the west door, Hamilton County Courthouse,
Chattanooga, Tennessee pursuant
to Deed of Trust executed by David
Johnson, to Commonwealth Land Title
Insurance Company, Trustee, on May
23, 2007 at Book GI8392, Page 866;
conducted by Shapiro & Kirsch, LLP
Substitute Trustee, all of record in the
Hamilton County Register’s Office.
Owner of Debt: OneWest Bank, FSB
The following real estate located in
Hamilton County, Tennessee, will be
sold to the highest call bidder subject to
Grantor Grantee Address Legal Description Parcel # Price
fausset tr, lynne alva; Jason Daniel fausset gift trust;
Kari lynne fausset gift trust; lynne alva fausset gift trust;
Raymond ernst Pruitt gift trust; tamara Kay Pruitt gift trust;
tara c Williams gift trust
all unpaid taxes, prior liens and encumbrances
of record:
Described property located in Hamilton
County, Tennessee, more particularly described
as follows:?Tract 1:?Being a part
on the Northeast Quarter of Section Thirty-six
(36), Township Four (4), Range
Three (3), West of the Basis Line, of
the Ocoee District, and being part of the
property conveyed to David Hudson and
wife, Agnes L. Morgan by the Clerk and
master dated March 14, 1947, described
as fronting 140 feet on the Northern line
of Short Tail Spring Road and extending
Northwardly, betweel parallel lines,
156 feet to a fence line. Its southeaster
5011 a state street llc 1710 e 50th st l:2 168P J 009.02 $1,594,018
george luttrell Development co llc schavey, David h; schavey, Karen M 10945 bridgestone Dr bridgewater Pointe 049 096.09 $1,215,000
Pratt homebuilders llc combs, colleen g; combs, Robert J 2639 sly fox ln l:195 signal Mountain 089o h 022 $534,231
hogan, clarence e; hogan, Wanda carolyn gullickson, lamoine K; gullickson, Mary P 6929 River Run Dr l:9 101M a 006 $475,000
Dwyer & Dwyer inc Keil, betty ann; Keil, george 7011 saw grass ct l:178 River Run townhomes 102P f 016 $425,000
floyd tr, Robert M; testamentary trust of Malcolm floyd floyd, candice M; floyd, Robert M 10040 Dayton Pike 057 034 $400,000
n & R Properties; timoshchuk, nikolay; timoshchuk, Rostis sanders, stephen 8925 Rostis ln l:10 159g b 003.10 $380,185
innovation ink inc hampton, christopher n 748 overbridge ln l:5 126n h 005.03 $374,000
Revocable trust agreement of carla h Roy; Roy tr, carla h gallien Properties chattanooga llc 4703 briarwood Dr l:16 129g f 055.01 $370,000
Mcdade, John W; Mcdade, Mary Jo W Jatex industrial supply inc 5920 Quintus loop 138P b 006 $349,186
Roberson, Dewey c; Roberson, teresa a garrett, christina D; garrett, James D;
garrett, tracey
corner being 70 feet westwardly along
the said Short Tail Spring Road from its
intersection with the Snow Hill Road.
?Tract 2:?Beginning at the southeast
corner of the lands of WH Meroney and
wife, Myrtle N. Meroney, on the Short
Tail Spring road; thence North along the
East line of the Merony’s land to the land
of Tarpley, which is approximately 156
feet, thence Eastwardly along the South
line of the Tarpley tract to the Snow Hill
Road; thence along the West boundary of
Snow Hill Road to the Short Tail Spring
Road; thence along the West boundary
of Snow Hill Road to the Short Tail
Road; thence along the North line of the
1732 emerald Pointe Dr l:62 emerald bay 034i c 005 $327,500
fsgbank na golden, Jennifer D; golden, thomas b 2911 skipping stone Dr l:58 173a a 057 $320,000
Museum bluffs condos llc glenn, Darlene D; glenn, James t 129 Walnut st #210 $311,500
coppock, Dana; coppock, lorin g foxx, Kristi; foxx, William a 2179 holden farm Pl l:604 Whisper creek Phase
2
Pratt homebuilders llc bowe, John J; bowe, sandra g 872 Willcrest Dr l:153 horse creek farms
Phase 3
Short Tall Spring Road to the point of
beginning.
Street Address: 7303 Snow Hill Road,
Ooltewah, Tennessee 37363
Current Owner(s) of Property: JoAnn
Snowaert
The street address of the above described
property is believed to be 7303 Snow
Hill Road, Ooltewah, Tennessee 37363,
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.
SALE IS SUBJECT TO TENANT(S)
RIGHTS IN POSSESSION.
If applicable, the notice requirements of
172J D 038 $308,792
117c D 020 $285,315
fatherson Partnership two bell, Debra 6907 neville Dr l:20 ooltewah 123g b 020 $280,000
ironwood builders llc electric Power board Mountain shadow estates 159M e 04001 $275,000
tuck, benjamin c; tuck, grace h burns, graham W; Kutchins, carolyn b 116 stephenson ave l:Pt 5 166l b 010 $265,000
Davidson contractors llc Johnson, cheryl a; Johnson, terry l 1075 natural Way l:21 the Preserves at clift
Mill
Workman, John R; Workman, linda s cochran, brandon; cochran, David; cochran,
lauren Mechelle; cochran, Yvonne
041M a 021 $248,000
3423 coach Dr l:59 old stage Run #2 110D f 006 $241,300
emc Mortgage corp cole, Rebecca; cole, Warren 518 n bragg ave 166D D 009 $238,600
Wise construction llc sammer, Marcus; sammer, Marla 310 noll st l:1 135D R 002.01 $235,524
harris, archie; harris, Debora hgl Properties llc 807 e 16th st l:2 curtis 146P h 009 $235,000
tillman, larry J hereford, harriette s; hereford, Robert earl 1647 taft hwy 098J c
015.03c002
batten, Jonas; batten, lisa Dekle Joint Revocable trust; Dekle tr,
Dianna Marie; Dekle tr, John alex
$220,000
6310 cedar cove ln l:67 River cove sub 094h f 005 $206,500
fatherson Partnership two cavicchio, Jacqueline M; erickson, Michael J 6310 frankfurt Rd l:1168 hamilton on hunter
Phase 16
eldridge, carmia a; gardner, carmia; newman, adria;
newman, James W; underwood, adria
113h f 024 $200,750
larson, James edward 1225 Village green Dr l:259 Valleybrook Park 101a a 036.21 $200,000
steele, charles e; steele, helen; steele, helen M singleton, christopher W; singleton, Dawn 129 fair st l:Pt 15 hogans s J addn
no 2
fatherson Partnership two nelson, carolyn s; nelson, Werner l 7295 Klingler ln l:1199 hamilton on hunter
Phase 16
118h a 017 $200,000
113h f 055 $195,000
Rbro llc ferguson, James s; ferguson, Martha M 704 gentry Rd l:67 171J g 045 $192,900
Jeansonne, clyde J; Jeansonne, sandra J Miller, bobby J; Miller, Jessica M 714 creek Dr l:76, unit:2 West spring
lake
108D b 003.76 $185,000
gilley service co inc ng, irene 7547 Pfizer Dr l:1008 ooltewah 113b c 002 $183,500
carter, Judy l; carter, thomas D tufts, Julie; tufts, Zachariah 7111 genoa Dr l:33 bella Vista acres 148M e 010 $183,000
Kinsey, Kathleen a; Kinsey, Richard D edwards, forrest l 318 sylvan st l:10 frazier addn no 2 126M J 011 $182,500
stallings, James Michael; stallings, Jerry alan; stallings,
Modenia l
Dameron, Dorothy e; Dameron, Raymond h 615 outlook cir l:161 cummings cove town
homes
turner, angela g King, bernnie l; King, harry J 6144 Veronica Dr l:628 hamilton on hunter
Phase 11
153D a 006 $180,000
122b f 005 $178,500
fine homes inc hill, barbara J; hill, Randall W 7097 Maple leaf ln l:9 094c c 009 $178,500
Deutsche bank national trust co tr levally, Dale 1814 Rivergate ter l:17 Rivergate bay #1 050h a 017 $175,000
brandt, christine a; brandt, gary W stinnett, angelina M; stinnett, David l 5227 lawana ln l:9 eastwood acres 099n D 030 $163,500
caldwell, Donald W angsten, Joni; angsten, thomas 1411 chase Meadows cir l:12 chase Meadows sub 100h b 020 $162,900
Van Westbroek, Deborah J; Van Westbroek, leslie J lewis, Judson a 1111 osage Dr l:6 gander Ridge 049c a 001 $158,000
White, calvin l; White, Deborah J hamilton, cheryl e 6742 crooked cove Way l:129 crooked creek 113n f 005 $157,750
cantavespre, ashley turner, angela g 8206 bluegill cir l:20 104g b 020 $154,900
Mc Plumbing llc Yunger, cari l 1613 southernwood Dr l:1 159K g 001 $152,900
Pierce, aimee e; Pierce, Ruston M bovell, Karen K; bovell, steve a 2515 sharron Dr l:19 holly hills 2nd addn 149f a 015 $152,000
spencer, Mary Moore l; spencer, William h Jr Jefferson, James; Jefferson, Justine M 8014 birch Dr l:58, unit:2 cedar creek 149e a 017 $150,000
hereford, harriette s; hereford, R e Jr Rider, stephanie l; saluk, David 1715 gahagan Rd l:5 hunter hill 089b c 009.02 $150,000
brogan, glenna Edenfield, Carl W 8304 ooltewah georgetown
Rd
Merendino, freda boynton, Paul c Jr 3906 ooltewah Ringgold
Rd;3906 ooltewah
Ringold Road
Hamilton County
public notices
104 088 $150,000
150 239;150 238 $150,000
T.C.A. 35-5-117 have been met.
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,
Continued on page 16

16 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Public Notices Continued from page 15
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
Shapiro & Kirsch, LLP?555 Perkins
Road Extended, Second Floor?Memphis,
TN 38117
Phone (901)767-5566
Fax 901-767-8890
S&K08-007627
HCH3T-12/24,12/31,1/7/11
SUBSTITUTE TRUSTEE’S SALE
Sale at public auction will be on January 25,
2011 at 10:00 AM local time, at the west door,
Hamilton County Courthouse, Chattanooga,
Tennessee pursuant to Deed of Trust executed
by Stephen A. Blevins, An unmarried man, to
FMLS, Inc., Trustee, on September 29, 2009
at Book GI 9033, Page 288; conducted by
Shapiro & Kirsch, LLP Substitute Trustee, all
of record in the Hamilton County Register’s
Office.
Owner of Debt: Regions Bank DBA Regions
Mortgage
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 Hamilton
County, Tennessee, to wit:?Lot Number 43,
Alpine Heights Subdivision, of record in Plat
Book 18, Page 49, Register’s Office of said
County, to which reference is hereby made for
a more particular description of said property.
Street Address: 418 Antelope Trail, Chattanooga,
Tennessee 37415
Current Owner(s) of Property: Stephen A.
Blevins
The street address of the above described
property is believed to be 418 Antelope Trail,
Chattanooga, Tennessee 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.
SALE IS SUBJECT TO TENANT(S) RIGHTS
IN POSSESSION.
If applicable, the notice requirements of T.C.A.
35-5-117 have been met.
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
Shapiro & Kirsch, LLP?555 Perkins Road
Extended, Second Floor?Memphis, TN 38117
Phone (901)767-5566
Fax 901-767-8890
S&K10-010433
HCH3T-12/24,12/31,1/7/11
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated August 28,
2006, executed by Joshua Lebron Maddox
and Shamika Annette Maddox, conveying
certain real property therein described
to Arnold M. Weiss, as Trustee, as same
appears of record in the Register’s Office of
Hamilton County, Tennessee recorded August
30, 2006, in Deed Book GI 8065, Page 442;
and WHEREAS, the beneficial interest of
said Deed of Trust was last transferred and
assigned to The Bank Of New York Mellon fka
The Bank Of New York, As Trustee For The
Certificateholders CWABS, Inc., Asset-Backed
Certificates, Series 2006-16 who is now the
owner of said debt; and WHEREAS, Notice
of the Right to Foreclose, if required pursuant
to T.C.A. § 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record
in the Register’s Office of Hamilton County,
Tennessee. NOW, THEREFORE, notice is
hereby given that the entire indebtedness has
been declared due and payable, and that the
undersigned, Rubin Lublin Suarez Serrano
TN LLC, as Substitute Trustee or his duly
appointed agent, by virtue of the power, duty
and authority vested and imposed upon said
Substitute Trustee will, on January 20, 2011
at 11:00 AM at the HAMILTON County
courthouse door where the foreclosure sales
are customarily held at the HAMILTON
Courthouse, located in Chattanooga, Tennessee,
proceed to sell at public outcry to the
highest and best bidder for cash or certified
funds ONLY, the following described property
situated in Hamilton County, Tennessee, to
wit: LOCATED IN THE CITY OF CHAT-
TANOOGA, HAMILTON COUNTY, TEN-
NESSEE: LOT FIVE (5), CORRECTIVE
PLAT OF LOTS 5, 6, AND 7, W. A. HUNT`S
SUBDIVISION, AS SHOWN ON PLAT OF
RECORD IN PLAT BOOK 30, PAGE 60, IN
THE REGISTER`S OFFICE OF HAMILTON
COUNTY, TENNESSEE. FOR PRIOR TITLE
SEE DEED RECORDED IN BOOK 7701,
PAGE 808, IN THE REGISTER`S OFFICE
OF HAMILTON COUNTY, TENNESSEE.
RESTRICTIONS AS SET OUT IN INSTRU-
MENT RECORDED IN BOOK 2163, PAGE
323, AND IN NOOK 2825, PAGE 370, IN
THE REGISTER`S OFFICE OF HAMILTON
COUNTY, TENNESSEE, 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 HANDI-
CAP BUT DOES NOT DISCRIMINATE
AGAINST HANDICAPPED PERSONS.
SUBJECT TO ALL NOTES, STIPULA-
TIONS, RESTRICTIONS, EASEMENTS,
CONDITIONS, AND REGULATIONS
AS SET OUT ON RECORDED PLAT.
ANY GOVERNMENTAL ZONING AND
SUBDIVISION ORDINANCES IN EFFECT
THEREON. PROPERTY ADDRESS: The
street address of the property is believed to
be 1219 Hendricks Street, Chattanooga,
TN 37406. In the event of any discrepancy
between this street address and the legal description
of the property, the legal description
shall control. CURRENT OWNER(S): Joshua
Lebron Maddox and Shamika Annette Maddox
OTHER INTERESTED PARTIES: The sale of
the above-described property shall be subject
to all matters shown on any recorded plat; any
unpaid taxes; any restrictive covenants, easements
or set-back lines that may be applicable;
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. This property is being sold
with the express reservation that it is subject to
confirmation by the lender or Substitute Trustee.
This sale may be rescinded 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. All
right and equity of redemption, statutory or
otherwise, homestead, and dower 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
Property is sold as is, where is, without representations
or warranties of any kind, including
fitness for a particular us or purpose. THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad #8333: 2010-12-24
2010-12-31, 2011-01-07
NOTICE OF FORECLOSURE SALE
WHEREAS, default having been made in
payment of the debts and obligation secured
to be paid by that certain Deed of Trust dated
October 21, 2005 of record in Book 7723,
Page 750, in the Register’s Office of Hamilton
County, Tennessee, from Kenneth Morris,
Lisa Morris and Kurtis Morris conveyed
to Edward L. Burris, Trustee, certain real
property described below (the “Property”),
to secure the payment of a certain obligation
described in the Deed of Trust, which Deed of
Trust and the obligations of said Deed of Trust
was assumed by M3 Properties of Tennessee,
LLC in Assumption of Deed of Trust recorded
November 24, 2010 in Book 9307, Page 121,
said Register’s Office, (collectively, the “Deed
of Trust”); and
WHEREAS, Brian P. Mickles has been appointed
as Substitute Trustee pursuant to that
certain Appointment of Substitute Trustee
recorded in the Register’s Office of Hamilton
County, Tennessee, with all the rights, powers
and privileges of the original trustee named in
said Deed of Trust; and
NOW, THEREFORE, notice is hereby given
that the entire indebtedness has been declared
due and payable and that Brian P. Mickles,
Trustee, and any substitute trustee who may
succeed him, pursuant to the power, duty and
authority vested in and imposed upon him in
the Deed of Trust will on January 24, 2011,
at 10:00 o’clock a.m., at the West door of the
Hamilton County Courthouse in Chattanooga,
Tennessee, offer for sale to the highest and best
bidder for cash, certain real property located
in the City of Chattanooga, Hamilton County,
Tennessee, described as follows:
Lot Four (4), Block “J”, Second Unit,
Washington Park Subdivision, as shown by
plat of record in Plat Book 14, Page 144, in
the Register’s Office o Hamilton County,
Tennessee.
For prior title see deed from Foreclosed Sale,
Inc. to Kenneth Morris and wife, Lisa Morris
and Kurtis Morris, as Joint Tenants with Right
of Survivorship, the entire fee to vest in the
survivor in case of the death of any, dated
December 28, 2004, recorded December 29,
2004, in Book 7384, Page 628, also see deed
from Wilson & Associates, P.L.L.C., as Successor
Trustee to Foreclosed Sales, Inc., dated
July 19, 2004, and filed for record August 2,
2004, said Register’s Office.
Subject to any governmental zoning and
subdivision ordinances or regulations in effect
thereon.
Subject to all notes, stipulations, restrictions,
easements, conditions, and regulations as set
out on recorded plat.
The street address of the Property is believed
to be 6308 Walden Avenue, Chattanooga,
TN 37421.
Said sale will be subject to any and all unpaid
ad valorem taxes (plus penalty and interest,
if any) that may be a lien upon the Property;
any and all liens, defects, encumbrances,
adverse claims, and other matters which take
priority over the Deed of Trust upon which
this foreclosure sale is had; any statutory rights
of redemption not otherwise waived in the
Deed of Trust, including rights of redemption
of any governmental agency, state or federal,
which might not have been waived by such
governmental agency; all notes, stipulations,
restrictions, easements, conditions and regulations
as set out on recorded plat; any governmental
zoning and subdivision ordinances or
regulations in effect thereon; the accuracy of
the Index Book of the said Register’s Office;
and any other matters which an accurate
survey of the Property might disclose; all other
matters which are prior in right to the lien of
the Deed of Trust and all matters shown on
any applicable plat. The Deed of Trust recites
title to the property as unencumbered except
as provided above, but Substitute Trustee will
make no covenant of seisin or warranty of title,
express or implied, and will sell and convey as
Substitute Trustee only subject to the above.
Further, the transfer shall be “As Is” and without
warranty of any kind, express or implied,
as to the condition of such property and the
improvements located thereon, including merchantability
or fitness for particular purpose.
A lien of the State of Tennessee with respect to
which provisions of T.C.A. §67-1-1433(b)(1)
require notice to be given is recorded in Book
9123, Page 925, in the Register’s Office of
Hamilton County, Tennessee. The notice
required by T.C.A. §67-1-1433(b)(1) to be
given to the State of Tennessee has been timely
given. The sale herein advertised will be
subject to the right of the State of Tennessee to
redeem the land as provided in T.C.A. §67-1-
1433(c)(1).
The Substitute Trustee, in order to accomplish
the most advantageous sale and consequent
discharge of his obligation under the Deed
of Trust, reserves the right to do any or all of
the following, without further publication and
upon announcement at the time and place for
the sale set forth herein:
1. The right is reserved to adjourn the day of
sale to another date and time without further
publication upon announcement at the time
set above;
2. The right is reserved to take or accept the
next highest or best bid at such sale should the
last and highest bidder fail or refuse to comply
with the terms of sale for any reason. In such
event, the Substitute Trustee shall also reserve
the right to reopen and sell said Property at his
option; and
3. The right is reserved to conduct the sale
by or through his agents or attorneys acting
in his place or stead, including the use of an
auctioneer.
PARTIES INTERESTED:
Tennessee Department of Revenue, Special
Procedures Unit
Cornerstone Community Bank
Dated this 21st day of December, 2010.
Brian P. Mickles, Substitute Trustee
701 Market Street, Suite 1610
Chattanooga, TN 37402
(423) 266-1237
HCH3T-12/24,12/31,1/7/11
NOTICE OF FORECLOSURE SALE
WHEREAS, default having been made in payment
of the debts and obligation secured to be
paid by that certain Deed of Trust dated June
20, 2005 of record in Book 7561, Page 970,
in the Register’s Office of Hamilton County,
Tennessee, from Kenneth E. Morris, Lisa
M. Morris and Kurtis P. Morris conveyed
to Edward L. Burris, Trustee, certain real
property described below (the “Property”),
to secure the payment of a certain obligation
described in the Deed of Trust, which Deed of
Trust and the obligations of said Deed of Trust
was assumed by M3 Properties of Tennessee,
LLC in Assumption of Deed of Trust recorded
November 24, 2010 in Book 9307, Page 124,
said Register’s Office, (collectively, the “Deed
of Trust”); and
WHEREAS, Brian P. Mickles has been appointed
as Substitute Trustee pursuant to that
certain Appointment of Substitute Trustee
recorded in the Register’s Office of Hamilton
County, Tennessee, with all the rights, powers
and privileges of the original trustee named in
said Deed of Trust; and
NOW, THEREFORE, notice is hereby given
that the entire indebtedness has been declared
due and payable and that Brian P. Mickles,
Trustee, and any substitute trustee who may
succeed him, pursuant to the power, duty and
authority vested in and imposed upon him in
the Deed of Trust will on January 24, 2011,
at 10:00 o’clock a.m., at the West door of the
Hamilton County Courthouse in Chattanooga,
Tennessee, offer for sale to the highest and best
bidder for cash, certain real property located
in the City of Chattanooga, Hamilton County,
Tennessee, described as follows:
Lot Three Hundred Fifteen (315), Orange
Grove, as shown by plat of record in Plat Book
3, Page 39, in the Register’s Office of Hamilton
County, Tennessee.
For prior title and last instrument of record
affecting the above described property, see
deed in Book 7384, Page 571, in the Register’s
Office of Hamilton County, Tennessee.
The street address of the Property is believed
to be 1123 E. 14th Street, Chattanooga, TN
37404.
Said sale will be subject to any and all unpaid
ad valorem taxes (plus penalty and interest,
if any) that may be a lien upon the Property;
any and all liens, defects, encumbrances,
adverse claims, and other matters which take
priority over the Deed of Trust upon which
this foreclosure sale is had; any statutory rights
of redemption not otherwise waived in the
Deed of Trust, including rights of redemption
of any governmental agency, state or federal,
which might not have been waived by such
governmental agency; all notes, stipulations,
restrictions, easements, conditions and regulations
as set out on recorded plat; any governmental
zoning and subdivision ordinances or
regulations in effect thereon; the accuracy of
the Index Book of the said Register’s Office;
and any other matters which an accurate
survey of the Property might disclose; all other
matters which are prior in right to the lien of
the Deed of Trust and all matters shown on
any applicable plat. The Deed of Trust recites
title to the property as unencumbered except
as provided above, but Substitute Trustee will
make no covenant of seisin or warranty of title,
express or implied, and will sell and convey as
Substitute Trustee only subject to the above.
Further, the transfer shall be “As Is” and without
warranty of any kind, express or implied,
as to the condition of such property and the
improvements located thereon, including merchantability
or fitness for particular purpose.
A lien of the State of Tennessee with respect to
which provisions of T.C.A. §67-1-1433(b)(1)
require notice to be given is recorded in Book
9123, Page 925, in the Register’s Office of
Hamilton County, Tennessee. The notice
required by T.C.A. §67-1-1433(b)(1) to be
given to the State of Tennessee has been timely
given. The sale herein advertised will be
subject to the right of the State of Tennessee to
redeem the land as provided in T.C.A. §67-1-
1433(c)(1).
The Substitute Trustee, in order to accomplish
the most advantageous sale and consequent
discharge of his obligation under the Deed
of Trust, reserves the right to do any or all of
the following, without further publication and
upon announcement at the time and place for
the sale set forth herein:
1. The right is reserved to adjourn the day of
sale to another date and time without further
publication upon announcement at the time
set above;
2. The right is reserved to take or accept the
next highest or best bid at such sale should the
last and highest bidder fail or refuse to comply
with the terms of sale for any reason. In such
event, the Substitute Trustee shall also reserve
the right to reopen and sell said Property at his
option; and
3. The right is reserved to conduct the sale
by or through his agents or attorneys acting
in his place or stead, including the use of an
auctioneer.
PARTIES INTERESTED:
Tennessee Department of Revenue, Special
Procedures Unit
Cornerstone Community Bank
Dated this 21st day of December, 2010.
Brian P. Mickles, Substitute Trustee
701 Market Street, Suite 1610
Chattanooga, TN 37402
(423) 266-1237
HCH3T-12/24,12/31,1/7/11
NOTICE OF FORECLOSURE SALE
WHEREAS, default having been made in
payment of the debts and obligation secured
to be paid by that certain Real Estate Deed of
Trust (With Future Advance Clause) dated July
7, 2000, of record in Book 5638, Page 792
in the Register’s Office of Hamilton County,
Tennessee (the “Deed of Trust”), Margaret
C. Haynes and Glenn Haynes, (“Grantors”),
conveyed to Edward L. Burris, Trustee,
certain real property, described below, (the
“Property”) to secure the payment of a certain
obligation described in the Deed of Trust
including, without limitation, that evidenced
by a certain Promissory Note dated August
16, 2005, executed by Grantor, Margaret C.
Haynes, payable to Cornerstone Community
Bank; and.
WHEREAS, Brian P. Mickles has been appointed
as Substitute Trustee pursuant to that
certain Appointment of Substitute Trustee
recorded in the Register’s Office of Hamilton
County, Tennessee, with all the rights, powers
and privileges of the original trustee named in
said Deed of Trust; and
Whereas, on June 6, 2008, Glen Thomas
Haynes and Margaret Clark Haynes filed a
Chapter 13, Bankruptcy No. 08-13136, in the
United States Bankruptcy Court for the East
District of Tennessee, Southern Division; and
Whereas, by order of the above-referenced
Bankruptcy entered November 17, 2010, the
automatic stay was deemed inoperative and
terminated, permitting Cornerstone Community
Bank to foreclose upon real property
commonly known as 4103 Bennett Road, East
Ridge, Tennessee and any improvements, and
pursue it available state law remedies with
regard to said real property; and
NOW, THEREFORE, notice is hereby given
that the entire indebtedness has been declared
due and payable and that Brian P. Mickles,
Substitute Trustee, and any Substitute Trustee
who may succeed him, pursuant to the power,
duty and authority vested in and imposed upon
him in the Deed of Trust will on January
24, 2011, at 10:00 o’clock a.m., at the West
door of the Hamilton County Courthouse in
Chattanooga, Tennessee, offer for sale to the
highest and best bidder for cash, certain real
property situated in the Second Civil District
of Hamilton County, Tennessee, described as
follows:
Being a part of Section 6, Township 1 South
range 3 West of the Basis Line, Ocoee
District, and described as follows: According
to a survey by E. G. Murrell, Engineer, dated
June 21, 1949, said property is described as
BEGINNING at a point in the north line of the
Bennett Road 97.5 feet Eastwardly from the
intersection of the north line of Bennett Road
West of the east line of the Green Lake Road;
thence continuing Eastwardly along the north
line of Bennett Road 82.5 feet to a pipe being
the southwest corner of Lot 8, G.M. Smith’s
Subdivision No. 1; thence Northwardly along
the west line of said Lot 8, a distance of 99.6
feet to a stake; thence Westwardly at an angle
to the west line of said Lot 8, 71 degrees 29
minutes a distance of 50 feet to a stake; thence
Southwardly 84 feet to the north line of Bennett
Road, being the POINT OF BEGINNING.
For prior title see Deed recorded in Book 5579,
Page 504, in the Register’s Office of Hamilton
County, Tennessee.
THIS CONVEYANCE MADE SUBJECT TO
THE FOLLOWING:
Any governmental zoning and subdivision
ordinances in effect thereon.
The street address of the Property is believed
to be 4103 Bennett Road, Chattanooga,
Tennessee 37412 (erroneously shown as 1509
S. Smith Road, East Ridge, Tennessee on the
Deed of Trust).
Said sale will be subject to any and all unpaid
ad valorem taxes (plus penalty and interest,
if any) that may be a lien upon the Property;
any and all liens, defects, encumbrances,
adverse claims, and other matters which take
priority over the Deed of Trust upon which
this foreclosure sale is had; any statutory rights
of redemption not otherwise waived in the
Deed of Trust, including rights of redemption
of any governmental agency, state or federal,
which might not have been waived by such
governmental agency; all notes, stipulations,
restrictions, easements, conditions and regulations
as set out on recorded plat; any governmental
zoning and subdivision ordinances or
regulations in effect thereon; the accuracy of
the Index Book of the said Register’s Office;
and any other matters which an accurate
survey of the Property might disclose; all other
matters which are prior in right to the lien of
the Deed of Trust and all matters shown on
any applicable plat. The Deed of Trust recites
title to the property as unencumbered except
as provided above, but Substitute Trustee will
make no covenant of seisin or warranty of title,
express or implied, and will sell and convey as
Substitute Trustee only subject to the above.
Further, the transfer shall be “As Is” and without
warranty of any kind, express or implied,
as to the condition of such property and the
improvements located thereon, including merchantability
or fitness for particular purpose.
The Substitute Trustee, in order to accomplish
the most advantageous sale and consequent
discharge of his obligation under the Deed
of Trust, reserves the right to do any or all of
the following, without further publication and
upon announcement at the time and place for
the sale set forth herein:
1. The right is reserved to adjourn the day of
sale to another date and time without further
publication upon announcement at the time
set above;
2. The right is reserved to take or accept the
next highest or best bid at such sale should the
last and highest bidder fail or refuse to comply
with the terms of sale for any reason. In such
event, the Substitute Trustee shall also reserve
the right to reopen and sell said Property at
his option;
3. The right is reserved to conduct the sale
by or through his agents or attorneys acting
in his place or stead, including the use of an
auctioneer; and
4. The right is reserved to sell the secured
property in such lots, parcels, segments, or
separate estates as may accomplish the most
advantageous sale and consequent discharge
of his trust obligation under the circumstances,
and to this end Substitute Trustee may sell the
property first in whole and then in part, and
ultimately consummate the sale in which ever
manner produces the most advantageous result.
Dated this 21st day of December, 2010.
Brian P. Mickles, Substitute Trustee
701 Market Street, Suite 1610
Chattanooga, TN 37402
(423) 266-1237
HCH3T-12/24,12/31,1/7/11
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 17, 2005, and the Deed of Trust of even
date securing the same, recorded June 22,
2005, at Book GI 7574, Page 95 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Robert Charles Newcomb
and Erin Holt Newcomb, conveying
certain property therein described to Kathryn
L. Harris a resident of Rossville, TN 38066 as
Trustee for Mortgage Electronic Registration
Systems, Inc. is a separate corporation that
is acting solely as a nominee for Community
mortgage corporation and Community
mortgage corporation 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 January 24,
2011 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:
Being Lot No. Thirty-two (32), North Soddy
Creek Cabin Site Area Subdivision, as shown
by plat of record in plat book 16, page 22, 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. Together with an undivided 1/42
interest in Lot 44, of the North Soddy Creek
Cabin Site Area Subdivision, as shown on plat
recorded in plat book 16, page 22, Register’s
Office of said County.
ALSO KNOWN AS: 1179 Penobscot Drive,
Soddy-Daisy, Tennessee 37379
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 ap-
Continued on page 17

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 17
Public Notices Continued from page 16
plicable; 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: Robert Charles Newcomb;
Erin Holt Newcomb
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. 726-142010
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 October 3, 2006,
and the Deed of Trust of even date securing
the same, recorded October 12, 2006, at Book
8112, Page 911 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Deborah Moses, conveying
certain property therein described to Broadway
Title, Inc. as Trustee for Mortgage Electronic
Registration Systems, Inc., as a separate
corporation that is acting solely as 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 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 January 24,
2011 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:
SITUATED in Lot Twenty-Two (22), Block A,
Gillespie Park, as shown by plat of record in
Plat Book 11, Page 23, in the Register’s Office
for Hamilton County, Tennessee.
SUBJECT TO Restrictions shown in Deed
Book 542, Page 53, in the Register’s Office for
Hamilton County, Tennessee.
THIS CONVEYANCE is subject to any and all
restrictions, easements, setback lines, conditions,
plat of record, and encumbrances of
record in the Register’s Office for the aforesaid
county.
ALSO KNOWN AS: 1008 North Larchmont
Avenue, Chattanooga, Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Deborah Moses; First Union
Mortgage Corporation
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. 726-157888
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 October 1, 2007,
and the Deed of Trust of even date securing
the same, recorded October 8, 2007, at Book
GI 8490, Page 770 in Office of the Register of
Deeds for Hamilton County, Tennessee, executed
by Gwendoline Kingsnort, conveying
certain property therein described to Robert M.
Wilson as Trustee for Countrywide Bank, FSB;
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 January 24,
2011 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:
The land referred to in this Commitment is
described as follows: The following described
real estate in the Second Civil District, Hamilton
County, Tennessee: Being a part of the
Southeast Quarter of Section Ten Township
Four Range Two West of the basis line, Ocoee
District and being more particularly described
as follows: Beginning at a point in the east line
of Edgmon Road where the same is intersected
by the south line of Section Ten said point
also being the northwest corner of the property
conveyed by Jesse Trotter and wife, to Louise
Trotter Chestnutt by deed recorded in Book
1368, Page 631 in the Register’s Office of
Hamilton County, Tennessee; thence eastwardly,
along said section line One Thousand
Seven Hundred Forty-Two and Four Tenths
1,742.4 feet to a point; thence northwardly,
one hundred feet; thence westwardly, and
parallel to the south line of said section One
Thousand Seven Hundred Forty-Two and
Four-Tenths 1,742.4 feet to a point in the east
line of Edgmon Road; thence southwardly,
along said Road One Hundred feet to the point
of beginning.
ALSO KNOWN AS: 5842 Edgemon Road,
Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Gwendoline Kingsnort;
Gwendolyn Muriel Kingsnorth; Jesse L.
Coletti; Angela M. Coletti
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. 726-195135
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 October 4, 2006,
and the Deed of Trust of even date securing
the same, recorded October 6, 2006, at Book
GI 8108, Page 84 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Levon B. Daghlian, conveying
certain property therein described to Michael
A. Fearnley as Trustee for ABN AMRO Mortgage
Group, Inc.; 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 January 24,
2011 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:
Land situated in Hamilton County, Tennessee,
to wit:
All that tract or parcel of land lying and being
in the Second Civil District of Hamilton
County, Tennessee, being Lot Twenty-five
(25), Unit Four (4) of Valley View Subdivision
as shown by plat recorded in Plat Book 26,
Page 102, in the Register’s Office of Hamilton
County, Tennessee, to which plat reference is
hereby made for a more particular description
of said property.
ALSO KNOWN AS: 8925 Villa Rica Circle,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Levon B. Daghlian; ABN
Amro Mortgage Group, Inc.; Countrywide
Bank, N.A.
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. 817-191315
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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
August 25, 2006, and the Deed of Trust of
even date securing the same, recorded August
28, 2006, at Book GI 8062, Page 206 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by Autumn M. Saloney
and Christopher I. Saloney, conveying
certain property therein described to Charles
E. Tonkin II 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, 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 January 24,
2011 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:
In the City of Chattanooga, Hamilton County,
Tennessee:
All that tract or parcel of land lying and being
in the City of Chattanooga, Hamilton County,
Tennessee, being that portion of Lots 101 and
102, Plan of Liles Addition, as shown by plat
of record in Plat Book 15, page 33, of the
Register’s Office of Hamilton County, Tennessee,
which was not heretofore conveyed unto
Kenneth D. Irwin and wife, Velma C., Irwin,
by deed recorded in Book 1693, Page 525,
in the said Register’s Office, and being more
particularly described as follows: Beginning
at a point in the West line of Graysville Road
South 9 degrees 3 minutes East 80 feet South
along Graysville Road from its intersection
with the South line of Porter Street; thence
along the West line of Graysville Road, South
9 degrees 3 minutes East 80 feet; thence South
78 degrees 46 minutes West, 166.58 feet;
thence North 23 degrees East, 99.1 feet; thence
North 78 degrees 46 minutes East, 114.05 feet
to the beginning.
This conveyance made subject to the following:
Restrictions as set out in instrument recorded
in Book 988, page 256, in the Register’s Office
of Hamilton County, Tennessee, 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.
Any governmental zoning and subdivision
ordinances in effectthereon.
All notes, stipulations, restrictions, easements,
conditions, and regulations as set out on
recorded plat.
Conditions and easements contained in document
of record in Book 2116, page 186, in
the Register’s Office of Hamilton County,
Tennessee.
ALSO KNOWN AS: 941 Graysville Road,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Autumn M. Saloney;
Christopher I. Saloney
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. 817-190712
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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
September 7, 2004, and the Deed of Trust
of even date securing the same, recorded
September 13, 2004, at Book GI 7271, Page
846 in Office of the Register of Deeds for
Hamilton County, Tennessee, executed by
Thomas V. Labbe and Francine S. Labbe,
conveying certain property therein described
to FMLS, Inc. as Trustee for AmSouth Bank;
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 January 24,
2011 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 of Hamilton
county, Tennessee: Lot number Seventy-seven,
Concord Highlands, Unit Two, as shown by
plat recorded in Plat Book 27, Page 73, in
the Register’s Office of Hamilton County,
Tennessee. The Source of Grantor’s interest is
found in Deed recorded in Book 3184, Page
702, in the Register’s Office of Hamilton
County, Tennessee. Subject to restrictions as
set out in instrument recorded in Book 193 0,
Page 458, in the Register’s Office of Hamilton
County, Tennessee. Subject to utility easement
as shown, described or noted on recorded plat.
Subject to building set back lines as shown,
described on noted on legend of recorded plat.
Subject to 5 foot drainage easement as shown,
described or noted on legend of recorded plat.
ALSO KNOWN AS: 7124 Saratoga Lane,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Thomas V. Labbe; Francine S.
Labbe; Suntrust 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. 817-200799
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 January 9, 2002,
and the Deed of Trust of even date securing
the same, recorded January 11, 2002, at Book
GI 6114, Page 901 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Jonathan D. H. Row and Betty
Anne Row, conveying certain property therein
described to G Bevard as Trustee for Travelers
Bank & Trust FSB; 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 January 24,
2011 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:
All that certain parcel of land in Hamilton
County, State of Tennessee as more fully described
in Deed Book 4391, Page 654, ID#150
J-D-037, being known and designated as Lot
39, Somerset Estates, Unit One, filed in Plat
Book 26, Page 176.
ALSO KNOWN AS: 4009 Donnebrook
Court, Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Jonathan D. H. Row; Betty
Anne Row; Bank of America, N.A.
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. 817-200907
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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
August 24, 2004, and the Deed of Trust of
even date securing the same, recorded August
31, 2004, at Book GI 7258, Page 259 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by Stephen S. Hall,
conveying certain property therein described
to PRLAP, Inc. as Trustee for Bank of America
N.A.; 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 January 24,
2011 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:
Being located in the Second Civil District,
Hamilton County, Tennessee: Being Lot
Forty-four 44, Castle Hill Addition, as shown
by plat recorded in Plat Book 6, page 60, in
the Register’s Office of Hamilton County, Tennessee.
For prior title see deed in Deed Book
4377, Page 741, in the Register’s Office of
Hamilton County, Tennessee. This conveyance
is made subject to the following: Any governmental
zoning and subdivision ordinances or
regulations in effect thereon. All applicable
conditions, restrictions, reservations, easements,
etc., as shown on said recorded plat. All
assessments, taxes, rent and ground rent if any
shall be prorated as of the closing date, and the
purchase will assume all taxes, assessments
and ground rent if any accruing on or after
the closing date. Sewer Easement as set out in
instrument recorded in Book 1294, Page 140,
said Register’s Office.
ALSO KNOWN AS: 3244 Castle Avenue,
Chattanooga, Tennessee 37412
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Stephen S. Hall; Tobiatha
Lynn Hall; Community Trust & Banking,
Co.; Department of Public Safety Divison of
Codes Enforcement of the City of East Ridge,
Tennessee
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. 726-180877
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 December 9,
2004, and the Deed of Trust of even date
securing the same, recorded December 22,
2004, at Book GI 7378, Page 941 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Melanie Messengale
Wilson and Leland Ross Wilson, conveying
certain property therein described to Arnold M.
Weiss as Trustee for New Horizon Mortgage,
L.L.C.; 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 January 24,
2011 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:
Being a part of Section 12, Township 6 North,
of 2 South, Range 3 West of the basis line,
OCOEE District, and being a part of Lot 4, of
the partition of the Sarah Davidson Estate, as
shown by plat recorded in Book Z, Volume 6,
Page 509, in the Register’s Office of Hamilton
County, Tennessee, and described as:
Beginning at the Northwest corner of Lot 4 in
the East line of Jenkins Road; thence along the
Northeast line of Lot 4, South 67 degrees 15
minutes East, 444.8 feet to the center line of
a Branch; thence South along the center line
of said Branch, 335 feet, more or less; thence
North 67 degrees 15 minutes West, 520 feet to
the East line of Jenkins Road; thence along the
East line of Jenkins Road, North 15 degrees
East, 302.8 feet to the beginning.
The North and South property lines are fence
lines.
The grantor’s source of interest is a deed
recorded in Deed Book 5357, Page 735 in the
Hamilton County Register’s Office.
Continued on page 18

18 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Public Notices Continued from page 17
ALSO KNOWN AS: 2018 Jenkins Road,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Melanie Messengale Wilson;
Leland Ross Wilson; Chattanooga Hamilton
County Hospital Authority doing business as
Erlanger Medical Center
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. 902-141361
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 2, 2006,
and the Deed of Trust of even date securing the
same, recorded June 8, 2006, at Book GI 7970,
Page 147 in Office of the Register of Deeds
for Hamilton County, Tennessee, executed
by James T. Neal, IV and Amanda F. Neal,
conveying certain property therein described
to David R. Wilson as Trustee for JPMorgan
Chase Bank, N.A.; 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 January 24,
2011 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:
Land located in the Third Civil District of
Hamilton County, Tennessee, to wit: Being
Lot One, B, and E Alexander Subdivision
as shown by Plat Book 45, page 213, in the
Register’s Office of Hamilton County, Tennessee,
to which plat reference is hereby made for
a more particular description of said property.
Description contained herein was taken from
a prior deed and without benefit of an updated
survey. Preparer makes no representation
as to the accuracy of said description This
conveyance is subject to any and all existing
easements, building setback lines and restrictions
of record in Plat Book 45, page 213, said
Register’s Office.
ALSO KNOWN AS: 12813 Old Dayton
Pike, Soddy Daisy, Tennessee 37379
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: James T. Neal , IV; Amanda F.
Neal; Community Mortgage Corp
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. 700-134221
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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
May 26, 2008, and the Deed of Trust of even
date securing the same, recorded June 17,
2008, at Book GI 8692, Page 795 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Thomas E. Johnson,
conveying certain property therein described
to David W. Dickson as Trustee for Mortgage
Electronic Registration Systems, Inc., a seperate
corporation acting solely as nominee for
Everhome Mortgage Company and Everhome
Mortgage Company’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 January 31,
2011 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:
All that tract or parcel of land lying and being
in the 3rd Civil District of Hamilton County,
Tennessee, being Lot 27, Cross Timbers, as
shown by plat recorded in Plat Book 27, Page
204, in the Register’s Office of Hamilton
County, Tennessee.
ALSO KNOWN AS: 8434 Cross Timbers
Circle, Hixson, Tennessee 37343
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Thomas E. Johnson
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. 700-163830
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2742517-703
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 July 20, 2007,
and the Deed of Trust of even date securing
the same, recorded July 25, 2007, at Book
GI 8416, Page 92 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Scarlette Tipton and Henry F.
Tipton, Jr. a/k/a Henry Tipton, conveying
certain property therein described to Edward
L. Burris, a resident of Hamilton County, Tennessee
as Trustee for Cornerstone Community
Bank; 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 January 24,
2011 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:
Lot 54, Hampton Creek P.U.D., Phase III, Lots
49-80 and 83-88, of record in Plat Book 60,
Page 86, in the Register’s Office of Hamilton
County, Tennessee.
THIS CONVEYANCE MADE SUBJECT TO
THE FOLLOWING:
Restrictions as set out in instrument recorded
in Book 5341, Page 710 in the Register’s Office
of Hamilton County, Tennessee, 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,
Ten 10 foot Utility Easement as shown or
specified by recorded plat.
Subject to all notes, stipulations, restrictions,
easements, conditions, and regulations as set
out on recorded plat
Any governmental zoning and subdivision
ordinances in effect thereon.
ALSO KNOWN AS: 8288 Rambling Rose
Drive, Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Scarlette Tipton; Henry F.
Tipton a/k/a Henry Tipton , Jr.; The Unknown
Heirs of Claude Monger
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. 700-169320
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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
August 26, 2005, and the Deed of Trust of
even date securing the same, recorded August
30, 2005, at Book GI 7658, Page 286 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by Fallon B. Garrett,
conveying certain property therein described
to Trste II, Inc. as Trustee for Mortgage Electronic
Registration Systems, Inc., as a separate
corporation that is acting solely as a nominee
for Wachovia Mortgage Corporation and Wachovia
Mortgage Corporation’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 January 24,
2011 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:
In the City of Chattanooga, Hamilton County,
Tennessee: Lot One (1), Joseph Addition No.
One (1), as shown by Plat recorded in Book
778, Page 364, in the Register’s Office for
Hamilton County, Tennessee, to which plat
reference is hereby made for a more complete
and accurate description of said lot.
ALSO KNOWN AS: 711 Belvoir Avenue,
East Ridge, Tennessee 37412
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Fallon B. Garrett;
SunTrust 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. 700-175361
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 August 9, 2001,
and the Deed of Trust of even date securing
the same, recorded August 20, 2001, at Book
GI 5961, Page 46 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Daniel L. Dodson, conveying
certain property therein described to Affiliated
Title Insurance as Trustee for Mortgage
Electronic Registration Systems Inc. a seperate
corporation acting solely as a nominee for
First Union Mortgage Corporation and First
Union Mortgage Corporation’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 January 24,
2011 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:
The following described real estate in the City
of Chattanooga, Hamilton County, Tennessee.
Tract One: Lots Thirty-One and Thirty-Two,
P.F. Fryer’s Re-Subdivision of Lots Six, Seven,
Eight, Nine and parts of Lots Fifteen, Sixteen,
Seventeen, Eighteen and nineteen, Block One,
Section Two, Tiftona, as shown by plat of record
in Plat Book 18, Page 28 of the Register’s
Office of Hamilton County Tennessee. Tract
Two: Lot Thirty-Three, P.F. Fryer’s Resubdivision
of Lots Six Thru Nine and parts of Lots
Fifteen thru Nineteen, Block One, Section
Two Tiftona, as shown by plat of record in Plat
Book 18, Page 28 of the Register’s Office of
Hamilton County Tennessee. This Conveyance
is made subject to the following: Any governmental
zoning and subdivision ordinances or
regulations in effect thereon. Restrictions as
set out in instrument recorded in Book 869,
Page 408 as modified in Book 939, Page 89,
in the Register’s Office of Hamilton County,
Tennessee. Provisions, if any, based on race,
color, religion, sex, handicap, familial status or
national orgin are omitted. Subject to all notes,
stipulations, restrictions, easements, conditions
and regulations as set out on recorded plat.
Subject to Easements over said Lot. For prior
title see Deed from Jerry Leon Hawkins and
wife, Phyliss Lavonne Hawkins, to Daniel
Dodson as recorded on May 5, 1997 in Book
4865, Page 389, Register’s Office of Hamilton
County Tennessee. Subject to any applicable
governmental zoning ordinances or subdivision
regulations in effect thereon.
ALSO KNOWN AS: 126 Centro Street,
Chattanooga, Tennessee 37419
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Daniel L. Dodson;
AmSouth Bank; Nations Bank of Tennessee,
N.A.; Leasecomm Corporation; Internal
Revenue Service
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. 700-136546
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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 October
31, 2001, and the Deed of Trust of even date
securing the same, recorded November 6,
2001, at Book GI 6042, Page 41 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Harris G. Whitaker,
Jr. and Judith Ann Whitaker, conveying
certain property therein described to FMLS,
Inc. as Trustee for AmSouth Bank; 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 January 24,
2011 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:
Lot 21, Glen Oaks Subdivision, of record
in plat book 25, page 100, in the Register’s
Office of Hamilton County, Tennessee. Less
and except that part conveyed to A.L. Hunley,
Jr., by deed recorded in book 1761, page 248,
in the Register’s Office of Hamilton County,
Tennessee. For prior title see deed recorded
in book 1984, page 816, in the Register’s
Office of Hamilton County, Tennessee. This
conveyance made subject to the following:
Restrictions as set out in instrument recorded
in book 1701, page 607, in the register’s office
of Hamilton County, Tennessee. Subject
to all notes in legend as set out on recorded
plat. 16 foot Utility Easement as shown or
specified by recorded plat. 5 foot Drainage
easement along side and rear property lines as
shown or specified by recorded plat. Subject
to easements and building requirements as
per recorded plat. Any governmental zoning
and subdivision ordinances in effect thereon.
Subject to all notes, stipulations, restrictions,
easements, conditions, and regulations as set
out on recorded plat.
ALSO KNOWN AS: 1805 Glen Oaks Terrace,
Chattanooga, Tennessee 37412
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Harris G. Whitaker , Jr.;
Judith Ann Whitaker; Miller and Martin, PLLC
as attorney on fact for The Paragon Group
Company; Robin L. Whitaker
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. 700-153960
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
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
October 26, 2001, and the Deed of Trust of
even date securing the same, recorded October
31, 2001, at Book GI 6031, Page 216 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by David E. Fox and
Tiffany L. Fox, conveying certain property
therein described to Old Republic Title Co. of
TN as Trustee for Mortgage Electronic Registration
Systems, Inc. is a separate corporation
that is acting solely as a nominee for SOUTH-
ERN HERITAGE BANK and SOUTHERN
HERITAGE BANK 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 January 24,
2011 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 Second Civil District of Hamilton
County, Tennessee, to-wit: Being all of Lot
Thirty-Three, Davis Mill Estate, as shown by
plat of record in Plat Book 26, Page 57, in the
Register’s Office of Hamilton County, Tennessee,
to which reference is here made. Subject
to any drainage and utility easements and to
building setback line requirements, as set out
on Plat Book 26, Page 57, ROBCT. Subject to
restrictions as set out in Instrument recorded in
Book 2006, Page 949, said Register’s Office.
Subject to easements of record as set out in
Book 2116, Page 186, said Register’s Office.
Subject to any and all governmental zoning
and/or subdivision restrictions that may be in
effect thereon.
ALSO KNOWN AS: 7417 Davis Mill Circle,
Harrison, Tennessee 37341
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: David E. Fox; Tiffany L. Fox;
LVNV Funding LLC; Brewer Broadcasting of
Chattanooga, Inc.; Internal Revenue Service
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. 700-156166
DATED December 17, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/24,12/31,1/7/11
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated August 18,
2006, executed by Jeffrey Carr, conveying
certain real property therein described to
PRLAP, Inc., as Trustee, as same appears of
record in the Register’s Office of Hamilton
County, Tennessee recorded October 30,
2006, in Deed Book GI 8130, Page 53; and
WHEREAS, the beneficial interest of said
Deed of Trust was last transferred and assigned
to Wells Fargo Bank, N.A., As Trustee For
The Certificateholders Of Banc Of America
Alternative Loan Trust 2006-8, Mortgage
Pass-Through Certificates, Series 2006-8
who is now the owner of said debt; and
WHEREAS, Notice of the Right to Foreclose,
if required pursuant to T.C.A. § 35-5-117, was
given in accordance with Tennessee law; and
WHEREAS, the undersigned, Rubin Lublin
Suarez Serrano TN LLC, having been appointed
by as Substitute Trustee by instrument
to be filed for record in the Register’s Office of
Hamilton County, Tennessee. NOW, THERE-
FORE, notice is hereby given that the entire
indebtedness has been declared due and payable,
and that the undersigned, Rubin Lublin
Suarez Serrano TN LLC, as Substitute Trustee
or his duly appointed agent, by virtue of the
power, duty and authority vested and imposed
upon said Substitute Trustee will, on January
13, 2011 at 11:00 AM at the HAMILTON
County courthouse door where the foreclosure
sales are customarily held at the HAMILTON
Courthouse, located in Chattanooga, Tennessee,
proceed to sell at public outcry to the
highest and best bidder for cash or certified
funds ONLY, the following described property
situated in Hamilton County, Tennessee, to wit:
ALL THAT TRACT OR PARCEL OF LAND
LYING AND BEING IN THE CITY OF
CHATTANOOGA, HAMILTON COUNTY,
TENNESSEE, BEING A PART OF LOT TWO
Continued on page 19

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 19
Public Notices Continued from page 18
(2) OF C. A. & J. F. GRAY`S SUBDIVISION,
AS SHOWN BY PLAT RECORDED IN PLAT
BOOK 14, PAGE 1, IN THE REGISTER`S
OFFICE OF HAMILTON COUNTY, TEN-
NESSEE, AND BEING MORE PAR-
TICULARLY DESCRIBED AS FOLLOWS:
BEGINNING AT A POINT ON THE WEST-
ERN RIGHT OF WAY OF GRAYSVILLE
ROAD, WHICH POINT IS 141.0 FEET AS
MEASURED ALONG SAID WESTERN
RIGHT OF WAY, NORTHERLY FROM THE
INTERSECTION OF SAID RIGHT OF WAY
WITH THE NORTHERN RIGHT OF WAY
OF THE SOUTHERN MOST PORTION
OF KAY CIRCLE; THENCE NORTH 88
DEGREES 58 MINUTES WEST, 234.2 FEET
ALONG THE NORTHERN BOUNDARY
OF THE PROPERTY NOW OR FORMERLY
OWNED BY WILBURN N. GOSSETT AND
VIRGINIA R. GOSSETT (BOOK 2275,
PAGE 104) TO A POINT; THENCE NORTH
23 DEGREES 00 MINUTES EAST ALONG
THE EASTERN BOUNDARY OF LOT 17,
IRWIN ACRES SUBDIVISION (AS SHOWN
ON PLAT RECORDED IN PLAT BOOK
23, PAGE 79) 158.5 FEET TO A POINT ON
THE SOUTHERN BOUNDARY NOW OR
FORMERLY OWNED BY ROY RALPH
DODD AND JUDITH M. DODD (BOOK
2089, PAGE 167); THENCE SOUTH 66
DEGREES 30 MINUTES EAST ALONG
SAID SOUTHERN BOUNDARY OF SAID
DODD PROPERTY 174.2 FEET TO A POINT
ON SAID WESTERN WAY RIGHT OF WAY
OF GRAYSVILLE ROAD, WHICH POINT
IS LOCATED 197.5 FEET SOUTHERLY,
AS MEASURED ALONG SAID WESTERN
RIGHT OF WAY FROM THE INTERSEC-
TION OF SAID WESTERN RIGHT OF WAY
WITH THE SOUTHERN RIGHT OF WAY
OF THE NORTHERNMOST PORTION
OF KAY CIRCLE; THENCE SOUTH 08
DEGREES 49 MINUTES WEST ALONG
SAID WESTERN RIGHT OF WAY 81.6
FEET, MORE OR LESS, TO THE POINT OF
BEGINNING. BEING THAT PARCEL OF
LAND CONVEYED TO JEFFREY CARR,
A SINGLE MAN FROM JAMES CHRIS-
TOPHER SWAFFORD, A SINGLE MAN
BY THAT DEED DATED 07/21/2004 AND
RECORDED 07/27/2004 IN DEED BOOK
7216, AT PAGE 339 OF THE HAMILTON
COUNTY, TN PUBLIC REGISTRY. TAX
MAP REFERENCE: 1711-E-009 PROP-
ERTY ADDRESS: The street address of the
property is believed to be 807 Graysville
Road, Chattanooga, TN 37421. In the event
of any discrepancy between this street address
and the legal description of the property, the
legal description shall control. CURRENT
OWNER(S): Jeffrey Carr AKA Jeff Carr
OTHER INTERESTED PARTIES: The sale of
the above-described property shall be subject
to all matters shown on any recorded plat; any
unpaid taxes; any restrictive covenants, easements
or set-back lines that may be applicable;
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. This property is being sold
with the express reservation that it is subject to
confirmation by the lender or Substitute Trustee.
This sale may be rescinded 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. All
right and equity of redemption, statutory or
otherwise, homestead, and dower 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
Property is sold as is, where is, without representations
or warranties of any kind, including
fitness for a particular us or purpose. THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad #8067: 2010-12-24
2010-12-31, 2011-01-07
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated January
30, 2007, executed by Angel M. Chavez and
Maria A. Chavez, conveying certain real
property therein described to Realty Title and
Escrow, as Trustee, as same appears of record
in the Register’s Office of Hamilton County,
Tennessee recorded February 2, 2007, in Deed
Book GI 8229, Page 75; and WHEREAS, the
beneficial interest of said Deed of Trust was
last transferred and assigned to Wells Fargo
Bank, N.A., As Trustee, For The Certificateholders,
MASTR Asset Backed Securities
Trust 2007-NCW Mortgage Pass- Through
Certificates Series 2007-NCW who is now the
owner of said debt; and WHEREAS, Notice
of the Right to Foreclose, if required pursuant
to T.C.A. § 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record
in the Register’s Office of Hamilton County,
Tennessee. NOW, THEREFORE, notice is
hereby given that the entire indebtedness has
been declared due and payable, and that the
undersigned, Rubin Lublin Suarez Serrano
TN LLC, as Substitute Trustee or his duly
appointed agent, by virtue of the power, duty
and authority vested and imposed upon said
Substitute Trustee will, on January 13, 2011
at 11:00 AM at the HAMILTON County
courthouse door where the foreclosure sales
are customarily held at the HAMILTON Courthouse,
located in Chattanooga, Tennessee, proceed
to sell at public outcry to the highest and
best bidder for cash or certified funds ONLY,
the following described property situated in
Hamilton County, Tennessee, to wit: TRACT
I: LAND IN HAMILTON COUNTY, TEN-
NESSEE, BEING LOT NO. ONE HUNDRED
THIRTY-FOUR (134) ON THE PLAN OF
LAKESITE SUBDIVISION, OF RECORD
IN PLAT BOOK 21, PAGE 32, REGISTER`S
OFFICE FOR SAID COUNTY, TO WHICH
PLAN REFERENCE IS HEREBY MADE
FOR A MORE COMPLETE DESCRIP-
TION. TRACT II: LAND IN HAMILTON
COUNTY, TENNESSEE, BEING LOT NO.
ONE HUNDRED THIRTY-FIVE (135) ON
THE PLAN OF LAKESITE SUBDIVISION,
OF RECORD IN PLAT BOOK 21, PAGE 32,
REGISTER`S OFFICE FOR SAID COUNTY,
TO WHICH PLAN REFERENCE IS
HEREBY MADE FOR A MORE COMPLETE
DESCRIPTION. BEING THE SAME PROP-
ERTY CONVEYED TO ANGEL M. CHAVEZ
AND WIFE, MARIA A. CHAVEZ BY DEED
FROM OMA G. HARPER, UNMARRIED,
OF RECORD IN BOOK 8229, PAGE 73,
REGISTER`S OFFICE FOR HAMILTON
COUNTY, TENNESSEE. SUBJECT TO
ALL EASEMENTS, RESTRICTIVE COV-
ENANTS AND CONDITIONS, AND OTHER
MATTERS OF RECORD, INCLUDING ALL
ITEMS SET OUT ON ANY APPLICABLE
PLAT OF RECORD. PROPERTY ADDRESS:
The street address of the property is believed
to be 2508 Hunt Heights Drive, Soddy Daisy,
TN 37379. In the event of any discrepancy
between this street address and the legal description
of the property, the legal description
shall control. CURRENT OWNER(S): Angel
M. Chavez and Maria A. Chavez OTHER
INTERESTED PARTIES: The sale of the
above-described property shall be subject to
all matters shown on any recorded plat; any
unpaid taxes; any restrictive covenants, easements
or set-back lines that may be applicable;
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. This property is being sold
with the express reservation that it is subject to
confirmation by the lender or Substitute Trustee.
This sale may be rescinded 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. All
right and equity of redemption, statutory or
otherwise, homestead, and dower 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
Property is sold as is, where is, without representations
or warranties of any kind, including
fitness for a particular us or purpose. THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad #8069: 2010-12-24
2010-12-31, 2011-01-07
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated March
9, 2009, executed by Kimberly Long and
Steven Long, conveying certain real property
therein described to Andrew C. Rambo, as
Trustee, as same appears of record in the
Register’s Office of Hamilton County, Tennessee
recorded March 17, 2009, in Deed
Book GI 8879, Page 970; and WHEREAS, the
beneficial interest of said Deed of Trust was
last transferred and assigned to BAC Home
Loans Servicing, LP, fka Countrywide Home
Loans Servicing, LP who is now the owner of
said debt; and WHEREAS, Notice of the Right
to Foreclose, if required pursuant to T.C.A. §
35-5-117, was given in accordance with Tennessee
law; and WHEREAS, the undersigned,
Rubin Lublin Suarez Serrano TN LLC, having
been appointed by as Substitute Trustee by instrument
to be filed for record in the Register’s
Office of Hamilton County, Tennessee. NOW,
THEREFORE, notice is hereby given that
the entire indebtedness has been declared due
and payable, and that the undersigned, Rubin
Lublin Suarez Serrano TN LLC, as Substitute
Trustee or his duly appointed agent, by virtue
of the power, duty and authority vested and
imposed upon said Substitute Trustee will,
on January 18, 2011 at 11:00 AM at the
HAMILTON County courthouse door where
the foreclosure sales are customarily held
at the HAMILTON Courthouse, located in
Chattanooga, Tennessee, proceed to sell at
public outcry to the highest and best bidder for
cash or certified funds ONLY, the following
described property situated in Hamilton
County, Tennessee, to wit: IN THE SECOND
CIVIL DISTRICT OF HAMILTON COUNTY,
TENNESSEE: BEGINNING AT A POINT
IN THE SOUTHERN LINE OF SHORT
TAIL SPRINGS ROAD, SAID POINT BE-
ING THE NORTHERN CORNER OF THE
PROPERTY CONVEYED TO KITTS BY
DEED RECORDED IN BOOK 2091, PAGE
581, SAID REGISTER`S OFFICE; THENCE
SOUTH 23 DEGREES WEST ALONG THE
WESTERN LINE OF SAID KITTS TRACT
AND ALONG THE WESTERN LINE OF
PROPERTY CONVEYED TO LAUB BY
DEED RECORDED IN BOOK 1292, PAGE
187, SAID REGISTER`S OFFICE, SOUTH
23 DEGREES 00 MINUTES WEST A
TOTAL DISTANCE OF 571.93 FEET TO AN
IRON ROD FOUND IN THE NORTHERN
BOUNDARY OF PROPERTY CONVEYED
TO NEIZKE BY DEED RECORDED IN
BOOK 4119, PAGE 852, SAID REGISTER`S
OFFICE; THENCE NORTH 65 DEGREES 37
MINUTES WEST 245.20 FEET ALONG THE
NORTHERN BOUNDARY OF NEITZKE
TO A BURNT STUMP AT FENCE CORNER
(DEED OF ACQUISITION CITED AS
SOUTH 67 DEGREES EAST 251 FEET)
TO A POINT IN THE EASTERN BOUND-
ARY OF PROPERTY CONVEYED TO
BRENEMAN BY DEED RECORDED IN
BOOK 1540, PAGE 449, SAID REGISTER`S
OFFICE; THENCE ALONG THE EAST-
ERN BOUNDARY OF SAID BRENER-
MAN TRACT NORTH 23 DEGREES 27
MINUTES EAST 696.67 FEET (DEED
OF ACQUISITION CITED AS SOUTH 23
DEGREES WEST 707.8 FEET) TO A POINT
IN THE SOUTHERN RIGHT OF WAY OF
SHORT TAIL SPRINGS ROAD; THENCE
SOUTHEASTWARDLY ALONG AND
WITH THE SOUTHERN RIGHT OF WAY
OF SHORT SPRINGS ROAD AND THE
CURVATURE THEREOF 275 FEET, MORE
OR LESS, TO THE POINT OF BEGINNING.
ALL AS SHOWN ON SURVEY DRAWING
NO. VF-24-S-3, DATED APRIL 28, 1995,
MADE BY CARLOS E. NILES, TENNES-
SEE REGISTERED SURVEYOR NO. 676,
OF NILES SURVEYING CO., INC., 3962
CHURCHILL ROAD, CHATTANOOGA,
TENNESSEE, 37406. REFERENCE IS
MADE FOR A PRIOR TITLE TO DEED OF
RECORD IN BOOK 4506, PAGE 323, IN
THE REGISTER`S OFFICE FOR HAMIL-
TON COUNTY, TENNESSEE. SUBJECT TO
EASEMENT FOR INGRESS AND EGRESS
RETAINED BY FRANCIS PIMENTEL
AND WIFE, ROARY D. PIMENTEL OF
RECORD IN BOOK 2840, PAGE 850, IN
THE REGISTER`S OFFICE OF HAM-
ILTON COUNTY, TENNESSEE. BEING
THE SAME PROPERTY CONVEYED TO
KIMBERLY C. LONG BY WARRANTY
DEED FROM JOHN L. BANKS, (THE
SAID JOHN L. BANKS ACTING BY AND
THROUGH HIS DULY APPOINTED AND
CONSTITUTED ATTORNEY-IN-FACT,
SHARON K. BANKS), DATED 7/1/2004
AND RECORDED 7/9/2004 FILED OF RE-
CORD IN BOOK 7195, PAGE 996 IN SAID
REGISTER`S OFFICE TAX ID: 103/33.02
FOR INFORMATIONAL PURPOSES ONLY
PROPERTY ADDRESS: 7518 SHORT TAIL
SPRINGS ROAD HARRISON, TENNESSEE
37341 THE ABOVE LEGAL DESCRIPTION
IS THE SAME AS THE LAST DEED OF
RECORD, NO BOUNDARY SURVEY HAV-
ING BEEN MADE AT THE TIME OF THIS
CONVEYANCE. THIS CONVEYANCE IS
MADE SUBJECT TO ALL APPLICABLE
RESTRICTIONS, EASEMENTS, BUILDING
SETBACK LINES AND CONDITIONS OF
RECORD IN SAID REGISTER`S OFFICE
FOR HAMILTON COUNTY, TENNESSEE.
PROPERTY ADDRESS: The street address
of the property is believed to be 7518 Short
Tail Springs Road, Harrison, TN 37341.
In the event of any discrepancy between this
street address and the legal description of the
property, the legal description shall control.
CURRENT OWNER(S): Kimberly Long
OTHER INTERESTED PARTIES: a/k/a Kimberly
C. Long The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for
a particular us or purpose. THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #8188: 2010-12-24 2010-12-31, 2011-
01-07
NOTICE OF FORECLOSURE SALE
WHEREAS, default having been made in
payment of the debts and obligation secured to
be paid by that certain Deed of Trust dated August
16, 2006 of record in Book 8059, Page 70,
in the Register’s Office of Hamilton County,
Tennessee (the ”Deed of Trust”), Anderson
Estates, LLC, (”Grantor”) conveyed to
Gateway Bank & Trust, certain real property,
described below, (the ”Property”) to secure the
payment of a certain obligation described in
the Deed of Trust including, without limitation,
that evidenced by a certain, notice is hereby
given that the entire indebtedness has been
declared due and payable and that Gateway
Bank & Trust, and any successor trustee who
may succeed him or her, pursuant to the power,
duty and authority vested in and imposed
upon it in the Deed of Trust will on January
7, 2011, at 10:00 o’clock a.m., at the West
door of the Hamilton County Courthouse in
Chattanooga, Tennessee, offer for sale to the
highest and best bidder for cash, and free from
any equity of redemption, statutory right of
redemption, homestead, dower, curtesy and all
other exemptions which are expressly waived
in the Deed of Trust, certain real property situated
in Hamilton County, Tennessee, described
as follows:
TRACT ONE (1): 169C-A-027.02 (1002
McBrien Road)
Lot Eight (8), Block No. 18, Revised Plat
of Hamilton Place Subdivision, as the same
appears of record in Plat Book 8, Page 35,
in the Register’s Office of Hamilton County,
Tennessee.
TRACT TWO (2): 169C-A-025 (1006 Mc-
Brien Road)
Lot Eleven (11), Block No. 18, Revised Plat
of Hamilton Place Subdivision, as the same
appears of record in Plat Book 8, Page 35, in
the Register’s Office of Hamilton County, Tennessee.
According to said plat, said lot fronts
50.2 feet on the East line of McBrien Road,
and extends back eastwardly to the East line of
said block on which it has a footage of 50 feet;
its North line being 150 feet, more or less in
length, its South line being 145 feet, more or
less in length.
TRACT THREE (3): 169C-A-029 (510
McBrien Road)
Lot Four (4), Block No. 18, Revised Plat of
Hamilton Place Subdivision, as the same appears
of record in Plat Book 8, Page 35, in the
Register’s Office of Hamilton County, Tennessee.
According to said plat, said lot fronts 52.4
feet on the East line of McBrien Road, and
extends back eastwardly to the East line of said
block on which it has a footage of 50 feet; its
North line being 116.6 feet in length, its South
line being 132.76 feet in length.
TRACT FOUR (4): 169C-A-027 (514 Mc-
Brien Road)
Lot Six (6), Block No. 18, Revised Plat of
Hamilton Place Subdivision, as the same
appears of record in Plat Book 8, Page 35,
in the Register’s Office of Hamilton County,
Tennessee.
TRACT FIVE (5): 169C-A-031 (McBrien
Road)
Lot Number One (1), Block No. 18, Revised
Plat of Hamilton Place Subdivision, as the
same appears of record in Plat Book 8, Page
35, including all property set forth as Lot 31
Anderson Estates as shown on plat in Plat
Book 85, Page 82, in the Register’s Office of
Hamilton County, Tennessee.
TRACT SIX (6): Part of 169C-A-001 (500
McBrien Rd.)
Lots Six (6) and Seventy-seven (77), Dr. W. G.
Bogart Tract, Subdivision of the South portion
as shown by plat recorded in Plat Book 12,
Page 42, in the Register’s Office of Hamilton
County, Tennessee.
LESS AND EXCEPT that property conveyed
to Said Karagic and Refika Turkanovic
recorded in Deed Book 8446, Page 180, in
the Register’s Office of Hamilton County,
Tennessee.
LESS AND EXCEPT that property conveyed
to Case Excavating and Grading, LLC
recorded in Deed Book 8833, Page 788 and
Substitute Trustee’s Deed recorded in Deed
Book 9126, Page 97, in the Register’s Office
of Hamilton County, Tennessee.
Less and except that property conveyed in
Deed Book 9074, Page 762, in the Register’s
Office of Hamilton County, Tennessee.
Said sale will be subject to any and all unpaid
ad valorem taxes (plus penalty and interest,
if any) that may be a lien upon the Property;
any and all liens, defects, encumbrances,
adverse claims, and other matters which take
priority over the Deed of Trust upon which
this foreclosure sale is had; any statutory rights
of redemption not otherwise waived in the
Deed of Trust, including rights of redemption
of any governmental agency, state or federal,
which might not have been waived by such
governmental agency; all notes, stipulations,
restrictions, easements, conditions and regulations
as set out on recorded plat; any governmental
zoning and subdivision ordinances or
regulations in effect thereon; the accuracy of
the Index Book of the said Register’s Office;
and any other matters which an accurate
survey of the Property might disclose; all other
matters which are prior in right to the lien of
the Deed of Trust and all matters shown on
any applicable plat. The Deed of Trust recites
title to the property as unencumbered except
as provided above, but Substitute Trustee will
make no covenant of seisin or warranty of title,
express or implied, and will sell and convey by
Trustee’s Quitclaim Deed as Substitute Trustee
only subject to the above. Further, the transfer
shall be ”As Is” and without warranty of any
kind, express or implied, as to the condition of
such property and the improvements located
thereon, including merchantability or fitness
for particular purpose. The right is reserved
to adjourn the day of sale to another date
and time without further publication upon
announcement at the time set above and to sell
to the second highest bidder in the event the
highest bidder does not comply with the terms
of the sale. THIS IS AN ATTEMPT TO COL-
LECT A DEBT, AND ANY INFORMATION
OBTAINED WILL BE USED FOR THAT
PURPOSE. Presley & Simonds, 1612 Gunbarrel
Road, Suite 102, Chattanooga, TN., (423)
826-1800. Publication Dates: December 17th,
24th, and December 31st, 2010.
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated February
23, 2007, executed by Weston J. Smith and
Holly Renee Smith, conveying certain real
property therein described to Century Title &
Escrow, as Trustee, as same appears of record
in the Register’s Office of Hamilton County,
Tennessee recorded February 28, 2007, in
Deed Book GI 8255, Page 629; and WHERE-
AS, the beneficial interest of said Deed of
Trust was last transferred and assigned to BAC
Home Loans Servicing, LP fka Countrywide
Home Loans Servicing, LP who is now the
owner of said debt; and WHEREAS, Notice
of the Right to Foreclose, if required pursuant
to T.C.A. § 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record in
the Register’s Office of Hamilton County, Tennessee.
NOW, THEREFORE, notice is hereby
given that the entire indebtedness has been
declared due and payable, and that the undersigned,
Rubin Lublin Suarez Serrano TN LLC,
as Substitute Trustee or his duly appointed
agent, by virtue of the power, duty and authority
vested and imposed upon said Substitute
Trustee will, on January 13, 2011 at 11:00
AM at the HAMILTON County courthouse
door where the foreclosure sales are customarily
held at the HAMILTON Courthouse, located
in Chattanooga, Tennessee, proceed to sell at
public outcry to the highest and best bidder for
cash or certified funds ONLY, the following
described property situated in Hamilton
County, Tennessee, to wit: LOT 32, ASHLEY
CREEK SUBDIVISION, UNIT TWO (2), OF
RECORD IN PLAT BOOK 58, PAGE 69, IN
THE REGISTER`S OFFICE OF HAMILTON
COUNTY, TENNESSEE. FOR PRIOR TITLE
SEE DEED RECORDED IN BOOK 7248,
PAGE 479 AND IN BOOK 6147, PAGE 523,
IN THE REGISTER`S OFFICE OF HAMIL-
TON COUNTY, TENNESSEE. THIS CON-
VEYANCE MADE SUBJECT TO THE FOL-
LOWING: RESTRICTIONS AS SET OUT IN
INSTRUMENT RECORDED IN BOOK 4902,
PAGE 796, AS AMENDED IN BOOK 4905,
PAGE 954, IN THE REGISTER`S OFFICE
OF HAMILTON COUNTY, TENNESSEE,
BUT OMITTING ANY COVENANT OR
RESTRICTION BASED ON RACE, COLOR,
RELIGION, SEX, HANDICAP, FAMIL-
IAL 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 HUT DOES NOT
DISCRIMINATE AGAINST HANDICAPPED
PERSONS. SUBJECT TO ALL NOTES,
STIPULATIONS, RESTRICTIONS, EASE-
MENTS, CONDITIONS, AND REGULA-
TIONS AS SET OUT ON RECORDED PLAT
ANY GOVERNMENTAL ZONING AND
SUBDIVISION ORDINANCES IN EFFECT
THEREON. PROPERTY ADDRESS: The
street address of the property is believed to be
13393 Emerald Creek Circle, Soddy Daisy,
TN 37379. In the event of any discrepancy between
this street address and the legal description
of the property, the legal description shall
control. CURRENT OWNER(S): Holly Renee
Smith, Weston J. Smith OTHER INTEREST-
ED PARTIES: Secretary of Housing and Urban
Development The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for
a particular us or purpose. THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #8060: 2010-12-17 2010-12-24, 2010-
12-31
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated August
15, 1996, executed by John D. Bennett and
Mary E Bennett, conveying certain real
property therein described to Hiram Langley,
III of Hamilton County, Tennessee, as Trustee,
as same appears of record in the Register’s Office
of Hamilton County, Tennessee recorded
August 19, 1996, in Deed Book 4731, Page
551; and WHEREAS, the beneficial interest
of said Deed of Trust was last transferred and
assigned to BAC Home Loans Servicing,
LP fka Countrywide Home Loans Servicing,
LP who is now the owner of said debt; and
WHEREAS, Notice of the Right to Foreclose,
if required pursuant to T.C.A. § 35-5-117,
was given in accordance with Tennessee law;
and WHEREAS, the undersigned, Rubin
Lublin Suarez Serrano TN LLC, having been
appointed by as Substitute Trustee by instrument
to be filed for record in the Register’s
Office of Hamilton County, Tennessee. NOW,
THEREFORE, notice is hereby given that
the entire indebtedness has been declared due
and payable, and that the undersigned, Rubin
Lublin Suarez Serrano TN LLC, as Substitute
Trustee or his duly appointed agent, by virtue
of the power, duty and authority vested and
imposed upon said Substitute Trustee will,
on January 6, 2011 at 11:00 AM at the
HAMILTON County courthouse door where
the foreclosure sales are customarily held at
the HAMILTON Courthouse, located in Chattanooga,
Tennessee, proceed to sell at public
outcry to the highest and best bidder for cash
or certified funds ONLY, the following described
property situated in Hamilton County,
Tennessee, to wit: BEING IN THE CITY OF
CHATTANOOGA, HAMILTON COUNTY,
TENNESSEE:LOT THIRTY-SIX (36),
NORTHERN HILLS SUBDIVISION, AS
SHOWN BY PLAT OF RECORD IN PLAT
BOOK 21, PAGE 51, IN THE REGISTER`S
OFFICE OF HAMILTON COUNTY, TEN-
NESSEE. FOR PRIOR TITLE SEE DEED OF
WARRANTY RECORDED IN BOOK 3334,
PAGE 662, IN THE REGISTER`S OFFICE
OF HAMILTON COUNTY, TENNESSEE.
THIS CONVEYANCE IS MADE SUBJECT
TO THE FOLLOWING: ANY GOVERN-
Continued on page 20

20 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Public Notices Continued from page 19
MENTAL ZONING AND SUBDIVISION
ORDINANCES OR REGULATIONS IN EF-
FECT THEREON. SUBJECT TO RESTRIC-
TIONS AS SET OUT IN INSTRUMENT
RECORDED IN BOOK 1351, PAGE 575, IN
THE REGISTER`S OFFICE OF HAMIL-
TON COUNTY, TENNESSE. SUBJECT TO
UTILITY AND DRAINAGE EASEMENT AS
SHOWN BY DOTTED LINES ON SAID RE-
CORDED PLAT. SUBJECT TO ALL NOTES,
STIPULATIONS, RESTRICTIONS, EASE-
MENTS, CONDITIONS AND REGULA-
TIONS AS SET OUT ON RECORDED PLAT.
PROPERTY ADDRESS: The street address of
the property is believed to be 1210 Northern
Hills Road, Hixson, TN 37343. In the event
of any discrepancy between this street address
and the legal description of the property, the
legal description shall control. CURRENT
OWNER(S): Mary E Bennett, John D. Bennett
OTHER INTERESTED PARTIES: The sale of
the above-described property shall be subject
to all matters shown on any recorded plat; any
unpaid taxes; any restrictive covenants, easements
or set-back lines that may be applicable;
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. This property is being sold
with the express reservation that it is subject to
confirmation by the lender or Substitute Trustee.
This sale may be rescinded 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. All
right and equity of redemption, statutory or
otherwise, homestead, and dower 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
Property is sold as is, where is, without representations
or warranties of any kind, including
fitness for a particular us or purpose. THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad #7812: 2010-12-17
2010-12-24, 2010-12-31
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated August 25,
2006, executed by Anthony E. Presley, conveying
certain real property therein described
to Robert M. Wilson, Jr., as Trustee, as same
appears of record in the Register’s Office of
Hamilton County, Tennessee recorded August
28, 2006, in Deed Book GI 8062, Page 573;
and WHEREAS, the beneficial interest of said
Deed of Trust was last transferred and assigned
to Deutsche Bank National Trust Company,
As Trustee For The HSI Asset Securitization
Corporation Trust 2006-HE2 who is now the
owner of said debt; and WHEREAS, Notice
of the Right to Foreclose, if required pursuant
to T.C.A. § 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record
in the Register’s Office of Hamilton County,
Tennessee. NOW, THEREFORE, notice is
hereby given that the entire indebtedness has
been declared due and payable, and that the
undersigned, Rubin Lublin Suarez Serrano
TN LLC, as Substitute Trustee or his duly
appointed agent, by virtue of the power, duty
and authority vested and imposed upon said
Substitute Trustee will, on January 13, 2011
at 11:00 AM at the HAMILTON County
courthouse door where the foreclosure sales
are customarily held at the HAMILTON
Courthouse, located in Chattanooga, Tennessee,
proceed to sell at public outcry to the
highest and best bidder for cash or certified
funds ONLY, the following described property
situated in Hamilton County, Tennessee, to wit:
LAND IN HAMILTON COUNTY, TENNES-
SEE, BEING PART OF LOT ”A” ON THE
PLAN OF GRAY`S ACRES, RESUBDIVI-
SION OF W.PART LOT 51, N.E. QTR. SEC
24, TWP. 6, R,3 W., OF RECORD IN PLAT
BOOK 21, PAGE 37, REGISTER`S OFFICE
FOR SAID COUNTY. ACCORDING TO
SAID PLAT, SAID PART OF SAID LOT IS
MORE PARTICULARLY DESCRIBED AS
FOLLOWS: BEGINNING AT A POINT IN
THE SOUTHERN LINE OF PATTERSON
ROAD IN THE EAST LINE OF SAID LOT
”A”; THE EAST LINE OF SAID LOT ”A” IF
EXTENDED TO INTERSECT THE SOUTH
LINE OF PATTERSON ROAD PRIOR
TO ITS WIDENING IS LOCATED TWO
HUNDRED(200) FEET WESTWARDLY AS
MEASURED ALONG THE OLD RIGHT OF
WAY OF PATTERSON ROAD FROM ITS
INTERSECTION WITH THE WESTERN
LINE OF GIVENS ROAD; THENCE SOUTH
TWENTY-THREE(23) DEGREES WEST
ONE HUNDRED FIFTY-FIVE(155) FEET
TO A POINT; THENCE NORTH SIXTY-
SEVEN(67) DEGREES WEST SEVENTY-
FIVE(75)FEET TO A POINT; THENCE
NORTH TWENTY-THREE(23) DEGREES
EAST ONE HUNDRED FIFTY-FIVE(155)
FEET TO A POINT IN THE SOUTH LINE
OF PATTERSON ROAD; THENCE SOUTH
SIXTY-SEVEN(67) DEGREES EAST
ALONG THE SOUTH LINE OF PATTER-
SON ROAD SEVENTY-FIVE(75) FEET
TO THE POINT OF BEGINNING. BEING
THE SAME PROPERTY CONVEYED TO
ANTHONY E. PRESLEY BY DEED FROM
FALCOM DAVID EDWARDS AND WIFE,
SHERRY Q. EDWARDS OF RECORD IN
BOOK 8062 PAGES 571. REGISTER`S
OFFICE FOR HAMILTON COUNTY,
TENNESSEE. SUBJECT TO ALL EASE-
MENTS, RESTRICTIVE COVENANTS AND
CONDITIONS, AND OTHER MATTERS
OF RECORD, INCLUDING ALL ITEMS
SET OUT ON ANY APPLICABLE PLAT OF
RECORD. PROPERTY ADDRESS: The street
address of the property is believed to be 8240
Patterson Road, Chattanooga, TN 37421.
In the event of any discrepancy between this
street address and the legal description of the
property, the legal description shall control.
CURRENT OWNER(S): Anthony E. Presley
a/k/a Anthony Eric Presley OTHER INTER-
ESTED PARTIES: MERS/BAC Home Loans
Servicing, LP The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for
a particular us or purpose. THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #8083: 2010-12-17 2010-12-24, 2010-
12-31
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 March 1, 2007,
and the Deed of Trust of even date securing
the same, recorded March 6, 2007, at Book
GI 8263, Page 66 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Cyrus M. Adcock and Meri
Lourdes Sowders, conveying certain property
therein described to A-1 Title & Escrow, Inc as
Trustee for Mortgage Electronic Registration
Systems, Inc., acting solely as a nominee
for EquiFirst Corporation and EquiFirst
Corporation’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 January 10,
2011 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:
All that certain parcel of land situate in the
First Civil District, County of Hamilton, State
of Tennessee being known and designated
as follows: Lots 18, Block K, Bonameade,
as shown by plat thereof recorded in Plat
Book 12, page 32, of the Register’s Office
of Hamilton County, Tennessee. Subject to
restrictions, conditions, reservations, limitations,
easements, etc, as set out on the recorded
plat. Subject to any governmental zoning and
subdivision ordinances or regulations in effect
thereon.
ALSO KNOWN AS: 5510 Miller Drive,
Chattanooga, Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Cyrus M. Adcock; Meri
Lourdes Sowders; Mitchell A. Byrd, PLLC
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. 1219-159705
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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
December 15, 2006, and the Deed of Trust of
even date securing the same, recorded January
12, 2007, at Book GI 8209, Page 950 in
Office of the Register of Deeds for Hamilton
County, Tennessee, executed by Ginger F.
Jones, conveying certain property therein
described to First Title Corp as Trustee for
Mortgage Electronic Registration System, Inc
as nominee for iFreedom Direct Corporation;
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 January 10,
2011 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:
ALL THAT CERTAIN PROPERTY SITU-
ATED IN THE COUNTY OF HAMILTON,
AND STATE OF TENNESSEE. BEING DE-
SCRIBED AS FOLLOWS: LOT 3, BLOCK
12, BILTMORE ESTATES EXTENSION,
CORRECT PLAT, AS SHOWN ON PLAT OF
RECORD IN PLAT BOOK 14, PAGE 78, IN
THE REGISTER’S OFFICE, HAMILTON
COUNTY, TENNESSEE, TO WHICH PLAT
REFERENCE IS HEREBY MADE FOR A
MORE PARTICULAR DESCRIPTION OF
SAID PROPERTY.
ALSO KNOWN AS: 613 Castle Drive, Chattanooga,
Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Ginger F. Jones; Chattanooga
Neighborhood Enterprise, Inc.
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. 717-194667
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2592750
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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
September 30, 2008, and the Deed of Trust
of even date securing the same, recorded
October 2, 2008, at Book GI 8772, Page 937 in
Office of the Register of Deeds for Hamilton
County, Tennessee, executed by Robert Earl
Smith, Jr., conveying certain property therein
described to Northgate Title Escrow, Inc. as
Trustee for Mortgage Electronic Registration
System, Inc as nominee for H & H Financial
Group, LLC d/b/a Life Mortgage Group and
H & H Financial Group, LLC d/b/a Life
Mortgage Groups’ 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 January 24,
2011 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:
Lot Fourteen (14), Block Sixteen (16),
Amended Plat of Biltmore Estate Extension,
as shown by plat recorded in Plat Book 14,
Page 87, of the Register’s Office of Hamilton
County, Tennessee.
Subject to any governmental zoning and
subdivision ordinances or regulations in effect
thereon.
Subject to utility easement over rear 2 1/2 feet
reserves in Book 821, Page 683, Register’s
Office of Hamilton County, Tennessee.
Subject to all notes, information, restrictions,
easements and encumbrances as shown on said
subdivision plat.
ALSO KNOWN AS: 710 Parkview Drive,
Chattanooga, Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Robert Earl Smith, Jr.
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. 817-200545
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 4812776772
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 January
27, 2000, and the Deed of Trust of even
date securing the same, recorded February 4,
2000, at Book GI 5531, Page 1 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Johnny L. Haines
and Cathy Haines, conveying certain property
therein described to Executive Title as Trustee
for Mercantile Mortgage Company; 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 January 24,
2011 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, Tennessee:
Lot Twenty-six (26), Block One (1), Carson
Heights, as shown by plat recorded in Plat
Book 8, page 26, in the Register’s Office of
Hamilton County, Tennessee.
This conveyance is made subject to the following:
Any governmental zoning and subdivision
ordinanaces or regulations in effecet thereon.
Restrictions, covenants and easements of
record in said Register’s Office.
Easement recorded in Book 1547, page 467,
said Register’s Office.
All applicable conditions, reservations, easements,
etc. as set out on said recorded plat.
ALSO KNOWN AS: 611 Shannon Avenue,
Chattanooga, Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Johnny L. Haines; Cathy
Haines; Internal Revenue Service; Cach, LLC;
Theordore Bridges
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. 817-200793
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 January
24, 2002, and the Deed of Trust of even
date securing the same, recorded February 11,
2002, at Book GI 6143, Page 980 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Jerry Swearengin,
Sr. and Deborah K. Swearengin, conveying
certain property therein described to Johnny
Houston as Trustee for American Acceptance
Mortgage, Inc.; 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 January 10,
2011 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:
Lot Four (4), M.T. Blair Subdivision, as shown
by plat of record in Plat Book 44, Page 12,
in the Register’s Office of Hamilton County,
Tennessee.
ALSO KNOWN AS: 4209 Woodland Drive,
Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Jerry Swearengin , Sr.;
Deborah K. Swearengin; FSGBank, National
Association
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. 817-200795
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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
September 26, 2005, and the Deed of Trust of
even date securing the same, recorded October
5, 2005, at Book GI 7701, Page 711 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by Lonnie D. Jones and
Greta J. Jones, conveying certain property
therein described to Dennie R. Marshall as
Trustee for Mortgage Electronic Registration
Systems, Inc., as a separate corporation
that is acting solely as a nominee for GMAC
Mortgage Corporation and GMAC Mortgage
Corporation’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 January 10,
2011 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, Tennessee: Being Lot Four 4, Corrective
Plat of Lots Three 3 and Four 4, Ridge
Creek Subdivision, as shown by plat recorded
in Plat Book 51, Page 176 in the Register’s
office of Hamilton County, Tennessee.
ALSO KNOWN AS: 210 Lynnolen Lane,
Chattanooga, Tennessee 37415
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Lonnie D. Jones; Greta J.
Jones; GMAC Mortgage, LLC of TN
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. 902-174185
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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
February 19, 2009, and the Deed of Trust of
even date securing the same, recorded March
12, 2009, at Book GI 8876, Page 952 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by Billie G. Adams,
conveying certain property therein described to
Fidelity National Title as Trustee for Mortgage
Electronic Registration Systems, Inc., as a
separate corporation that is acting solely as a
nominee for Birmingham Bancorp Mortgage
Corporation and Birmingham Bancorp Mortgage
Corporation’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 January 10,
2011 on or about 3:00 P.M., at the Hamilton
County Courthouse, Chattanooga, Tennes-
Continued on page 22

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 21
“Another year older, another
year wiser.” Isn’t that how the
old proverb goes? I’m not so sure
of that, it seems like the older I
get, the more I forget! My kids
will back me up on that too!
I was reading a food article
recently about eating foods that
will help to prevent memory
loss. I’m sure you have heard the
old adage, “You are what you
eat”... hum-m-m. I say this as I
sit here eating Taco Bell. Back
to the brain food. Several studies
have shown that certain foods
will boost your memory, and
optimize brain health.
One 25-year Harvard
Medical School study of more
than 13,000 women showed
participants who ate relatively
Have you ever figured out
the twist in a movie almost
right away? Until I saw the “The
Tourist,” not me. Surprise endings
almost always blindside me,
so when the big reveal came
at the end of “The Tourist,” I
was shocked that the random
thought I had when Angelina
Jolie and Johnny Depp’s characters
first met was spot on. Since
I’m not getting smarter, this can
mean only one thing: Hollywood
has run out of ideas.
Moviegoers have seen so
many surprise endings, their
brains unconsciously begin calculating
the possibilities for the
ending of a film the moment it
begins. They no longer take stories
at face value, but immediately
begin trying to figure out the
alternate angles the movie might
take. Today, a surprise ending is
one that doesn’t involve a twist
at all!
Mother’s constant calls
smother daughter
DEAR AMY: I am a busy
stay-at-home mom to two young
children.
My mother seems to think
that I have nothing to do
because she calls me many times
throughout the day to tell me
unimportant things and basically
narrate her day.
It is not uncommon for her
to call my home phone, and
when I don’t answer, she’ll call
my cell phone – and then my
house phone again.
She will usually wait about
five minutes and then repeat
the process.
Kay’s Cooking
Corner
B y K a y B o n a
high amounts of vegetables over
the years had less age-related
decline in memory. Cruciferous
vegetables and leafy green vegetables
had the biggest effect
on helping retain memory during
the course of the study. In
another study, the phytochemicals,
anthocyanin and quercetin,
actually reversed some of the
age-related memory deficits in
laboratory animals.
•Some of the best cruciferous
vegetables: Broccoli, Brussels
sprouts, cabbage, cauliflower and
bok choy.
•Some of the best leafy
green vegetables: spinach, collard
and mustard greens, kale
and Swiss chard.
•Some of the best foods
The Critic’s
Corner
B y D a v i d L a p r a d
So with romantic adventures,
crime dramas and horror
movies unable to offer anything
approaching originality, is there
a reason to go to the movies
anymore? In the case of the new
Jolie-Depp vehicle, absolutely.
“The Tourist” might be predictable,
but it’s also lavishly photographed,
sumptuously scored and
cleverly scripted.
I love the dialog Jolie and
Depp exchange as they cross
Italy by train. In their first scene
together, Jolie’s character, Elise,
sits down uninvited across from
Depp’s Frank, a math teacher
from Wisconsin, and makes a
move on him. Little does Frank
know Elise has a lover, a private
banker who embezzled over two
billion dollars from a ruthless
gangster, went into hiding and
told her to latch onto someone
with his height and build:
Woman: “You should invite
Ask Amy
Advice for the Real World
By Amy Dickinson, Tribune Media
Sometimes I just can’t pick
up the phone, and then when
the calls become stalker-ish, I
don’t pick up out of spite.
Amy, I know I am blessed
to have a mother in my life, but
I don’t want a “smother,” I want
a mother!
I know she means well, but
calling me eight times in a row
to tell me something completely
inconsequential is a little crazy!
How do I tell her to quit
calling me so often without hurting
her feelings? – Busy Mom
DEAR MOM: You may
have to risk hurting your mother’s
feelings, just a little bit,
to convey your frustration at
Diversions
for anthocyanin: Berries (all
varieties), cherries, black currents,
eggplant, red, black and
purple grapes, plums, rhubarb,
red onion, red apples, red/purple
cabbage and red beets.
•Some of the best foods
for quercetin: Onions (red, yellow,
white), kale, leeks, cherry
tomato, broccoli, blueberries,
black currants, elderberries,
apricots, apple with skin (Red
Delicious) and red, purple and
black grapes.
One of the most famous
memory-enhancing herbs is rosemary.
The motto of the plant has
long been “rosemary for remembrance”
and now researchers
know why. Rosemary is rich in
the antioxidant, carnosic acid,
which dilates the cerebral vascular
tissues. Studies have shown
that even the smell of rosemary
can improve memory performance
in office workers. No one
is sure exactly how it works, but
researchers do know it stimulates
the brain’s neurotransmitters.
Another food, or drink,
which seems to have memory
benefits, is tea. About 5,000 years
me to dinner.”
Frank (nervously): “Would
you like to join me for dinner?”
Woman: “A woman doesn’t
like questions.”
Frank: “Ummm... Join me
for dinner?”
Woman: “Another question.”
Frank (after thinking for a
few seconds): “I’m going to dinner.
Join me.”
Frank might not be smart,
but he’s trainable. And that
makes him the perfect pawn in
the banker’s plot to fool Scotland
Yard, the Italian police and the
gangster into thinking Frank is
him.
Once everyone believes
he’s changed his appearance, he
intends to let Frank take the fall
for him while he and Elise disappear
with the money.
Like I said, it’s not a remotely
original story, but it does have
its pleasures. Director Florian
Henckel von Donnersmack (say
that fives fast, or even once, if
you can) photographs Vienna
and Jolie with an admiring lens.
From the lavish outdoor scenery,
to the luxurious interiors, to the
attractive actors who grace the
screen, “The Tourist” has the
look and feel of a classic movie.
I also liked the opening scene,
her behavior.
You know from your encounters
with your young children
that they respond best to limits,
clarity and consequences.
Give your mother the same
understanding, firm and loving
treatment you’d give the kids,
and explain how her behavior
affects you.
You should also teach your
mother to text.
Receiving text messages
may be slightly less annoying
than calls; they are also easier
(and less time-consuming) to
respond to.
Know, however, that you
run the risk of unleashing the
texting beast within.
Your mother sounds lonely.
If you can fold her into your life
more often – actually, versus
telephonically – she might settle
down.
DEAR AMY: An expectant
mother sent me an invitation to
attend a baby shower she is giving
for herself in her house.
I find this to be crude beg-
ago, the inventor and Chinese
emperor, Shen Nung, discovered
that the combination of a certain
wild leaf in hot water produced
an invigorating beverage. He
called it “cha” from the Chinese
word meaning “to investigate”
a word which we now know as
chai or tea. The antioxidants in
tea are called polyphenols which
have repeatedly been shown to
improve cognitive function and
memory. Tea contains a calming
amino acid called theanine,
which helps reduce the jitters,
and keeps the mind relaxed and
focused.
OK, I finished eating my
Taco Bell, and am now drinking
a cup of hot tea. Pomegranate
Green Tea, no less. You know,
deep, red fruit – antioxidants,
polyphenols? I feel I am washing
out the negative effects of the
tacos!
I did remember that it is
almost New Year’s Eve, and you
are probably looking for a good,
recipe. If you have company
staying with you, here’s a great
brain-healthy, breakfast casserole.
Happy New Year and be
in which a Scotland Yard buffoon
named Inspector Acheson
tries to tail Elise through the
streets of a European city. It’s a
cleverly directed sequence. And
while the “The Tourist” hardly
required much from Jolie and
Depp, they appear to be having
a good time. It was strange seeing
Depp play a down to earth character,
but he makes it work.
There are also quite a few
laughs. My favorite was a scene
in which an Italian police chief
takes about two dozen men in
neatly pressed suits to the train
station to arrest Elise and Frank,
and then has to call them off
at the last minute. As he whispers
instructions for the confused
ranks into his sleeve, they go one
way and then the other, looking
ridiculous and highly conspicuous.
“The Tourist” would have
been a better movie if Donnersmack,
who also wrote the
script, had spent more time on
the things that worked and less
on the things that didn’t. For
example, he shoehorns into his
frothy romantic romp a gangster
so brutal, he belongs in a Martin
Scorsese movie.
One minute, we’re watching
Elise and Frank do a “will they or
won’t they” dance in their hotel
ging for gifts (gimme, gimme),
but I am told that this is a new
fashion when relatives or friends
cannot or will not give showers
for an occasion (engagement,
wedding, arrival of a baby, etc.)
Am I behind the times
when I find this demeaning?
– Disgusted Guest
DEAR DISGUSTED: I fail
to see how this invitation is
demeaning – to you, anyway.
There was a time in relatively
recent memory when people
wouldn’t host showers to celebrate
their own milestones (nor
could immediate family members
host), but times have changed,
circumstances have changed,
values have changed – and marriage
and families have definitely
changed.
I agree that this self-showering
practice is hardly ideal, but
you need to remember that this
event is intended to be a celebration
of the child – not the
mother.
If you are so disgusted by
this idea that you won’t be able
safe over the holidays!
Baked Berry Oatmeal
2 1/2 cups regular rolled
oats
1/2 cup steel-cut oats
2 tsp baking powder
1/2 tsp salt
1/2 ground cinnamon
2 cups milk
1 egg, beaten
1/3 cup applesauce
1/4 cup oil
1/4 cup honey
1/4 cup packed brown sugar
2 cups fresh or frozen fruit
(strawberries or
blueberries)
strawberry jam or yogurt
for garnish
Preheat oven to 400 degrees.
In large bowl, stir together first 5
ingredients. Set aside. In medium
bowl, mix next 6 ingredients;
add to oat mixture and stir until
combined. Pour into greased casserole
dish. Bake uncovered for
20 minutes. Remove from oven
and stir in fruit. Bake uncovered
another 20 minutes, or until
lightly browned. Spoon into
bowls. Serve with yogurt and
warmed jam on top. v
suite, and the next we’re listening
to the gangster talk about
killing entire families, including
children.
He then strangles a grunt
that failed to catch Elise and
Frank during a boat chase
through Vienna’s famous canals.
Donnersmack shows the death
in graphic detail. The gangster’s
dialogue is well written, but he
disrupts the tone of the movie
every time he appears.
Despite these issues and a
complete lack of novelty, “The
Tourist” is an entertaining
motion picture. Donnersmack
recaptures some of the old magic
of the movies without resorting
to coincidence, overheard conversations
or other cheap devices
to move the plot forward.
And his two main actors are
a joy to watch, even in roles that
must have been a walk in the
park for them. I was smiling as I
walked out of the theater, which
is something I haven’t done a lot
of this year.
Sure, I wish I hadn’t figured
out the twist so easily, but that
didn’t mar the overall experience.
Try to catch this one at the
movies or on DVD.
Email David Laprad at
dlaprad@hamiltoncountyherald.
com. v
to be a good and courteous guest
(and you don’t sound able to
be), then you should send your
regrets. Politely. Without comment.
DEAR READERS: This
Christmas Eve, I hope you’re
spending the day not by racing
around trying to stuff that last
stocking, but by taking stock
– and being grateful for faith,
family and friends.
Celebrate the holiday by
being kind to one another, casting
a bright light in the winter
gloom.
Send questions via e-mail to
askamy@tribune.com or by mail
to Ask Amy, Chicago Tribune,
TT500, 435 N. Michigan
Ave., Chicago, IL 60611. Amy
Dickinson’s memoir, “The Mighty
Queens of Freeville: A Mother, a
Daughter and the Town that Raised
Them” (Hyperion), is available in
bookstores.
©2010 BY THE CHICAGO
TRIBUNE DISTRIBUTED BY
TRIBUNE MEDIA SERVICES,
INC. v

22 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Public Notices Continued from page 20
see, 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:
Land situated in the County of Hamilton in
the State of Tennessee. Situated in District
Two of Hamilton County, Tennessee and being
known and designated as all of Lot 8 Hunter
Acres Estates as shown by map of record in
Rat Book 58, Page 76 in the Register’s Office
of Hamilton County, Tennessee, to which map
specific reference is hereby made for a more
particular description thereof.
ALSO KNOWN AS: 8431 Hunter Hills
Court, Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Billie G. Adams
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. 902-197995
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 4812894906703
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 May 9, 2005,
and the Deed of Trust of even date securing
the same, recorded May 10, 2005, at Book
GI 7526, Page 846 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by David Collins, conveying certain
property therein described to Northgate Title
Escrow as Trustee for Mortgage Electronic
Registration Systems, Inc. solely as nominee
for Michigan Fidelity Acceptance Corp dba
Franklin Mortgage Funding, Inc.and Michigan
Fidelity Acceptance Corp dba Franklin Mortgage
Funding, Inc.’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 January 10,
2011 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:
Being land located in the City of Chattanooga
and in the Second Civil District of Hamilton
County, Also, being part of the property of the
estate of Margate D. Hokett, of record in Deed
Book 2525, Page 713, and Deed Book 3386,
Page 992, in the Register’s Office of Hamilton
County, Tennessee R.O.H.C. Being more
particularly described as follows:
To find the point of beginning, commence
at the intersection of the south right-of-way
line of Igou Gap Road with the west rightof-way
line of Jenkins Road; said intersection
point being located 30 feet south of the
centerline of Igou Gap Road and 40 feet west
of the centerline of Jenkins Road; Thence
southwestwardly along the west right-of-way
line of Jenkins Road for a distance of 379.72
feet lo a half inch Iron Rod Old IR-O, said
IR-O being located at the southeastern corner
of Lot One, Laurel Point Subdivision, of
record in Plat Book 50, Page 309, R.O.H.C,
said point being the true point of beginning;
Thence southwestwardly, continuing along
the west right-of-way line of Jenkins Road
South 22 degrees 38 minutes 50 seconds West
for a distance of 40.0 feet to a half inch Iron
Rod Old IR-O, said IR-O being located at the
northeast corner of Lot Two, Hokett on Jenkins
Road Subdivision, of record in Plat Book 62,
Page 210, R.O.H.C; Thence northwestwardly,
along the North line of the aforesaid Lot Two,
and continuing along the north line of Lot One,
Hokett on Jenkins Road Subdivision, North
66 degrees 09 minutes 55 seconds West for a
distance of 390.5 feet to a half inch IR-O, said
IR-O being located at the northwest corner
of the aforesaid Lot One; Thence southwestwardly
and southeastwardly along the lines of
the aforesaid Lot One the following courses
and distances: Thence South 22 degrees 39
minutes 10 seconds West for a distance of
134.9 feet to a point; Thence South 66 degrees
10 minutes 40 seconds East for a distance of
90.5 feet to a point; Thence southwestwardly,
leaving the line of the aforesaid Lot One South
22 degrees 38 minutes 50 seconds West for a
distance of 88.4 feet to a point; Thence North
66 degrees 33 minutes 20 seconds West for a
distance of 25.9 feet to a point; Thence South
22 degrees 38 minutes 50 seconds West for
a distance of 150.0 feet to a point, said point
being located on the north line of the property
of Leslie D. Clonts, of record in Deed Book
5973, Page 274 R.O.H.C; Thence North 66
degrees 33 minutes 20 seconds West along the
north line of the aforesaid Leslie D. Clonts for
a distance of 600.1 feet to a point, said point
being located in Mackey Branch, said point
also being located 5.0 feet west of a half inch
IR-O on the East bank of Mackey Branch, said
point also being located on die east line of the
property of Nickey A. Bowman, of record in
Deed Book 3251 page 76; Thence northwestwardly,
crossing and leaving Mackey Branch,
and along the east line of the aforesaid Nickey
A. Bowman North 22 degrees 38 minutes 50
seconds East for a distance of 150.0 feet to a
half inch IR-O, said IR-O being located 1.8
feet east of a disturbed IR-O, said point also
being located on the south line of the property
of Nickey A, Bowman, of record In Deed
Book 1962, page 800; Thence southeastwardly
along the South line of the aforesaid Nickey
A, Bowman South 66 degrees 33 minutes 20
seconds East for a distance of 100.9 feet to
a point, 3aid point being located in die approximate
centerline of File Number: 50276
Mackey Branch, said point also being located
South 66 degrees 33 minutes 20 seconds East
15.0 feet from a half inch IR-O thence northeastwardly
along the approximate centerline
of the aforesaid Mackey Branch the following
chord line courses and distances: thence North
31 degrees 55 minutes 15 seconds East for a
distance of 70.3 feet to a point; thence North
37 degrees 25 minutes 32 seconds East for a
distance of 59.87 feet to a point; thence North
33 degrees 18 minutes 51 seconds East for a
distance of 60.30 feet to a point; thence North
57 degrees 56 minutes 03 seconds East for
a distance of 95.9 feet to a point, said point
being located at the southwest corner of Lot 8,
Corrective Plat, Princeton Court Subdivision,
of record in Plat Book 61, Page 227, R.O.H,C.,
said point also being located North 66 degrees
09 minutes 55 seconds West a distance of 20
feet from a half inch IR-O on the east bank
of Mackey Branch; thence southeastwardly,
leaving Mackey Branch and along the south
line of the aforesaid Princeton Court Subdivision,
and continuing along the sooth line of
Lot 5, Resubdivision. Of Lot 5, Laurel Point
Subdivision, of record in Plat Book 59, Page
264, R.O.H.C, and continuing along the south
line of the aforesaid Lot One, Laurel Point
Subdivision South 66 degrees 09 minutes 55
seconds East for a distance of 732,0 feet to the
point of beginning. Aforedescribed property
contains 5.05 acres more or less, all as shown
on a preliminary survey drawing by True
Line Company, Land Surveyors, Job number
05-7316.
ALSO KNOWN AS: 1829 Jenkins Road,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: David Collins
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. 902-199836
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 April 20, 2004,
and the Deed of Trust of even date securing
the same, recorded April 23, 2004, at Book
GI 7102, Page 470 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Andrew J. Heck and Laura
L. Heck, conveying certain property therein
described to Arnold M. Weiss, Esq., Shelby
County as Trustee for Wells Fargo Home
Mortgage, Inc.; 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 January 10,
2011 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:
In the City of Chattanooga, Hamilton
County, Tennessee: Lot One (1), Block Six
(6), Amended plat of Orchard Crest, as shown
by plat of record in Plat Book 11, Page 3, in
the Register’s Office of Hamilton County,
Tennessee. According to said plat, said lot
fronts Eighty (80) feet on Stone Circle and
extends northwardly along the western line of
Pear Vista Drive, sometimes called Hemphill
Avenue, to the southern line of Lots Five (5)
and six (6) of said block upon which it borders
Eighty-nine (89) feet, its eastern line being
along Pear Vista Drive, is One Hundred Fifty
(150) feet in length. Its western line, being the
dividing line of Lots One (1) and Two (2) in
One Hundred Thirty (130) feet in length. LESS
AND EXCEPT that part used in rounding the
intersection of Pear Vista Drive and Stone
Circle. For prior title see deed recorded in
Book 1095 Page 538, in the Register’s Office
of Hamilton County, Tennessee. This conveyance
made subject to the following: Easement
granted to the Tennessee Electric Power
Company or its successor in title as set out in
instrument registered in Book 1, Volume 18,
page 439, in the Register’s Office of Hamilton
County, Tennessee.
Restrictions as set out in the deed from Eugene
R. Howard and wife to L.E. Gass and wife,
registered in Book K, Volume 23, Page 591,
in the Register’s Office of Hamilton County,
Tennessee. Easement for public service line
as shown by dotted lines on recorded plat.
Any governmental zoning and subdivision
ordinances in effect thereon. Subject to all
notes, stipulations, restrictions, easements,
conditions, and regulations as set out on
recorded plat.
ALSO KNOWN AS: 311 Hemphill Avenue,
Chattanooga, Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Andrew J. Heck; Laura L.
Heck; Capital One Bank (USA), NA
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. 717-137129
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2458979
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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
September 16, 2004, and the Deed of Trust of
even date securing the same, recorded October
4, 2004, at Book GI 7295, Page 871 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by Christopher M. Fillers
and Ginger R. Fillers, conveying certain
property therein described to Wesley D. Turner
a resident of Williamson County, Tennessee as
Trustee for Argent Mortgage Company, LLC;
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 January 10,
2011 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:
BEING Lot Fifty-five (55), Unit Two (2),
Jordan Run Subdivision, as shown by plat of
record in Plat Book 46, Page 67, in the Register’s
Office of Hamilton County, Tennessee.
ALSO KNOWN AS: 6615 Jordan Run
Road, Chattanooga, Tennessee 37412
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Christopher M. Fillers;
Ginger R. Fillers
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. 870-181103
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 May 25, 2006,
and the Deed of Trust of even date securing the
same, recorded June 5, 2006, at Book GI 7964,
Page 558 in Office of the Register of Deeds
for Hamilton County, Tennessee, executed by
Janice Jean Mayhew and Charles Mayhew,
conveying certain property therein described to
Broadway Title, Inc. as Trustee for Mortgage
Electronic Registration Systems, Inc., as a
separate corporation that is acting solely as
nominee for First Franklin a division of Nat.
City Bank of IN and First Franklin a division
of Nat. City Bank of IN’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 January 10,
2011 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:
Situated in the 3rd Civil District of Hamilton
County, Tennessee, and being more fully
described as follows:
Being lot 118, Sequoyah Hills Subdivision,
Unit 3, as Shown by plat of record in Plat
Book 26, Page 84 Register’s Office of Hamilton
County, Tennessee. According to said plat,
said lot fronts 77 feet on the West line Ricardo
land and extends West between parallel lines to
the West Line of said Subdivision, upon which
it fronts 76.86 feet; it’s north line being 129.71
feet in length and its South Line being 127.05
feet in length.
This conveyance is subject to Deed Book
1110, Page 85 Deed Book 1331, Page 37 and
any and all restrictions, easements, setback
lines, conditions, plat of record, and encumbrances
of record in the Register’s Office for
the aforesaid county.
Parcel number: 084H D 014
ALSO KNOWN AS: 8527 Ricardo Lane,
Hixson, Tennessee 37343
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Janice Jean Mayhew; Charles
Mayhew
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. 717-121164
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 February
11, 2005, and the Deed of Trust of even
date securing the same, recorded February 16,
2005, at Book GI 7431, Page 42 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Jim Hughes and Jean
Hughes, conveying certain property therein
described to Wesley D. Turner as Trustee for
Argent Mortgage Company, L.L.C.; 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 January 24,
2011 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 Third Civil District of Hamilton
County, Tennessee, described as follows,
to-wit:
Being Lot Eleven (11), Cedar Crest Subdivision,
as shown by plat recorded in Plat Book
68, Page 15, Register’s Office for Hamilton
County, Tennessee, to which plat reference is
hereby made for a more complete description
of said lot.
ALSO KNOWN AS: 1335 Pendall Lane,
Soddy Daisy, Tennessee 37379
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Jim Hughes; Jean Hughes
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. 1325-201591
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 March 26, 2009,
and the Deed of Trust of even date securing
the same, recorded April 6, 2009, at Book
GI 8895, Page 895 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Llewellyn L Templeton a/k/a L
Lee Templeton and Tonya N. Templeton,
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 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 January 10,
2011 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 Hamilton County, Tennessee:
Lot One Hundred Eighty-One (181), Corrective
Plat of Lots 181 and 182, Morning Glory
Farms Subdivision, as shown by plat recorded
in Plat Book 45, Page 110, in the Register’s
Office of Hamilton County, Tennessee.
ALSO KNOWN AS: 6002 Morning Glory
Drive, Harrison, Tennessee 37341
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Llewellyn L Templeton a/k/a
L Lee Templeton; Tonya N. Templeton
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. 717-174650
DATED December 14, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2924232
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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
March 16, 2009, and the Deed of Trust of even
date securing the same, recorded March 23,
2009, at Book GI8884, Page 314 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by James Erwin Rogers
and Sarah Shannon Rogers, conveying
certain property therein described to EquiTitle,
Inc. as Trustee for Myers Park Mortgage, Inc.;
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 January 10,
2011 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 Hamilton County, State of Tennessee:
Twenty-Seven (27), Unit 3, Irwin Hills, as
shown by plat of record in Plat Book 27, Page
259, in the Register’s Office of Hamilton
COunty, Tennessee.
Continued on page 23

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 23
Public Notices Continued from page 22
Subject to all applicable zoning ordinances.
Subject to utility, sewer, drainage and other
easements of record.
Subject to all subdivision/condominium
assessments, covenants, bylaws, restrictions,
declarations and easements of record.
Subject to building restrictions and other matter
of public record.
Subject to easement as recorded in Book 3063,
Page 563, in the said Registers Office.
ALSO KNOWN AS: 8419 Oak Drive, Chattanooga,
Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: James Erwin Rogers; Sarah
Shannon Rogers; Locke Davis
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. 717-192014
DATED December 14, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2901940
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 December 17,
2004, and the Deed of Trust of even date
securing the same, recorded December 27,
2004, at Book GI 7381, Page 115 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by James Kumbar Jr.,
conveying certain property therein described
to Kathryn L. Harris as Trustee for Mortgage
Electronic Registration Systems, Inc., as a
separate corporation that is acting solely as a
nominee for Community Mortgage Corporation
and Community Mortgage Corporation’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 January 10,
2011 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:
In the Second Civil District of Hamilton
County, Tennessee: Lot Seven, Block D, Plan
of Blaney Forest, as shown by Plat of record in
Plat Book 15, page 81, in the Register’s Office
of Hamilton County, Tennessee.
ALSO KNOWN AS: 3908 Weldon Drive,
Chattanooga, Tennessee 37412
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: James Kumbar Jr.
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. 717-200273
DATED December 14, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
SUBSTITUTE TRUSTEE’S SALE
Sale at public auction will be on January
11, 2011 at 10:00 AM local time, at the west
door, Hamilton County Courthouse, Chattanooga,
Tennessee pursuant to Deed of Trust
executed by Rosalyn N. Long Horne and
husband, Fredrick Lebron Horne, to First
Title Insurance Company, Trustee, on April 6,
2001 at Book GI 5830, Page 884; conducted
by Shapiro & Kirsch, LLP Substitute Trustee,
all of record in the Hamilton County Register’s
Office.
Owner of Debt: Wells Fargo Bank, NA
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 City of
Chattanooga, Hamilton County, Tennessee,
to wit:?Lot Number Nine (9), Block Number
Nine (9), Arlington, as shown by plat recorded
in Plat Book 4, Page 4, 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: 5301 Slayton Avenue, Chattanooga,
Tennessee 37410
Current Owner(s) of Property: Rosalyn N.
Long Horne, married
The street address of the above described
property is believed to be 5301 Slayton
Avenue, Chattanooga, Tennessee 37410, 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.
SALE IS SUBJECT TO TENANT(S) RIGHTS
IN POSSESSION.
If applicable, the notice requirements of T.C.A.
35-5-117 have been met.
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
Shapiro & Kirsch, LLP?555 Perkins Road
Extended, Second Floor?Memphis, TN 38117
Phone (901)767-5566
Fax 901-767-8890
S&K03-3679
HCH3T-12/17,12/24,12/31/10
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 December 29,
2006, and the Deed of Trust of even date
securing the same, recorded January 19, 2007,
at Book GI 8215, Page 308 in Office of the
Register of Deeds for Hamilton County, Tennessee,
executed by Paolo R. Pozzuoli and
Monica E. Vela, conveying certain property
therein described to Robbie L. McLean as
Trustee for Mortgage Electronic Registration
Systems, Inc. a seperate corporation acting
solely as nominee for Decision One Mortgage
Company, LLC, and Decision One Mortgage
Company, LLC’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 January 24,
2011 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:
In the Second Civil District of Hamilton
County, Tennessee: lot number 7 of the Corrective
Plat of Maywater subdivision, unit one, as
shown by plat of record recorded in plat book
46, page 87, in the Register’s Office of Hamilton
County, Tennessee. Excepting there from
that part with the cul-de-sac of Maywater Road
as shown by plat recorded in plat book 57,
page 134, in the Register’s Office of Hamilton
County, Tennessee. Subject to all easements
and stipulations shown on plats recorded in
plat book 46, page 87 and the plat book 57,
page 134, in the Register’s Office of Hamilton
County, Tennessee. Subject to Restrictive
Covenants recorded in book 3614, page 8 and
book 387, page 217, in the Register’s Office
of Hamilton County, Tennessee, but omitting
any covenant or restriction based on race,
color, religion, sex, handicap, familiar 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 covenants, conditions, restrictions,
reservations or easements of record. Subject
to any governmental zoning and subdivision
ordinances or regulations in effect thereon. For
prior deed reference see book 6797, page 627
in the Register’s Office of Hamilton County,
Tennessee.
ALSO KNOWN AS: 4900 Maywater Road,
Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Paolo R. Pozzuoli;
Monica E. Vela
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. 845-185555
DATED December 14, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
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 December 17,
2009, and the Deed of Trust of even date securing
the same, recorded December 21, 2009,
at Book GI 9080, Page 175 in Office of the
Register of Deeds for Hamilton County, Tennessee,
executed by James Lowe and Diauna
Lowe, conveying certain property therein described
to Fearnley & Calif, PLLC. as Trustee
for Mortgage Electronic Registration Systems,
Inc. a separate corporation acting solely as
nominee for United Community Bank, d/b/a
United Community Mortgage Services, Inc.
and United Community Bank, d/b/a United
Community Mortgage Services, Inc.’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 January 24,
2011 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:
Property located in the County of Hamilton,
Tennessee: Located in the Second Civil
District of Hamilton County, Tennessee: Lot
Twenty-Four (24), Waconda Hills, as shown
by plat recorded in Plat Book 24, Page 80,
of the Register’s Office of Hamilton County,
Tennessee. Exception that part of said lot used
in rounding the curve of Lake crest Circle.
Subject to Restrictive Covenants recorded in
Book 1699, Page 556, in the said Register’s
Office.
ALSO KNOWN AS: 8825 Lake Crest
Circle, Chattanooga, Tennessee 37416
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: James Lowe; Diauna Lowe
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. 700-199973
DATED December 13, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-3100582-703
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/17,12/24,12/31/10
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated August 28,
2006, executed by Amber R. Gearinger, conveying
certain real property therein described
to Arnold M. Weiss, Attorney, as Trustee, as
same appears of record in the Register’s Office
of Hamilton County, Tennessee recorded
August 31, 2006, in Deed Book GI 8066, Page
621; and WHEREAS, the beneficial interest
of said Deed of Trust was last transferred and
assigned to The Bank Of New York Mellon fka
The Bank Of New York, As Trustee For The
Certificateholders CWABS, Inc., Asset-Backed
Certificates, Series 2006-18 who is now the
owner of said debt; and WHEREAS, Notice
of the Right to Foreclose, if required pursuant
to T.C.A. § 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record
in the Register’s Office of Hamilton County,
Tennessee. NOW, THEREFORE, notice is
hereby given that the entire indebtedness has
been declared due and payable, and that the
undersigned, Rubin Lublin Suarez Serrano
TN LLC, as Substitute Trustee or his duly
appointed agent, by virtue of the power, duty
and authority vested and imposed upon said
Substitute Trustee will, on January 6, 2011
at 11:00 AM at the HAMILTON County
courthouse door where the foreclosure sales
are customarily held at the HAMILTON
Courthouse, located in Chattanooga, Tennessee,
proceed to sell at public outcry to the
highest and best bidder for cash or certified
funds ONLY, the following described property
situated in Hamilton County, Tennessee, to wit:
LOTS THREE (3) AND FOUR (4), BLOCK
TEN (10), REVISED PLAT OF HAMILTON
PLACE SUBDIVISION, AS SHOWN BY
PLAT RECORDED IN PLAT BOOK 8, PAGE
35, IN THE REGISTER`S OFFICE OF HAM-
ILTON COUNTY, TENNESSEE. ACCORD-
ING TO SAID PLAT, SAID LOTS ARE
DESCRIBED AS : BEGINNING AT THE
NORTHWEST CORNER OF LOT 3, IN THE
EAST LINE OF SOUTH MOORE ROAD,
ONE HUNDRED (100) FEET SOUTH-
WARDLY ALONG SAID LINE FROM ITS
INTERSECTION WITH THE SOUTH LINE
OF MAYFAIR STREET, BOTH LINES
BEING EXTENDED; THENCE SOUTH
ALONG THE EAST LINE OF SOUTH
MOORE ROAD ONE HUNDRED (100)
FEET TO THE NORTHWEST CORNER OF
LOT 5; THENCE EAST ALONG THE LINE
DIVIDING LOTS 5 AND 4, A DISTANCE
OF ONE HUNDRED SIXTY-EIGHT (168)
FEET TO THE SOUTHWEST CORNER OF
LOT 30; THENCE NORTH ALONG THE
LINE DIVIDING LOTS 30 AND 29, FROM
LOTS 4 AND 3, A DISTANCE OF ONE
HUNDRED (100) FEET TO THE SOUTH-
EAST CORNER OF LOT 2; THENCE WEST
ALONG THE LINE DIVIDING LOTS 2
AND 3, A DISTANCE OF ONE HUNDRED
SIXTY-EIGHT (168) FEET TO THE BEGIN-
NING. EXCEPT THAT PART CONVEYED
TO THE STATE OF TENNESSEE, RE-
CORDED IN BOOK 1436, PAGE 288, AND
THAT PART CONVEYED TO THE CITY OF
CHATTANOOGA, FOR ROAD WIDENING
RECORDED IN BOOK 1871, PAGE 119, IN
THE REGISTER`S OFFICE OF HAM-
ILTON COUNTY, TENNESSEE. BEING
THE SAME PROPERTY CONVEYED BY
DEED RECORDED IN BOOK GI 8066 &
PAGE 618, IN THE REGISTER`S OFFICE
OF HAMILTON COUNTY, TENNESSEE.
PROPERTY ADDRESS: The street address
of the property is believed to be 304 S Moore
Road, Chattanooga, TN 37411. In the event
of any discrepancy between this street address
and the legal description of the property, the
legal description shall control. CURRENT
OWNER(S): Amber R. Gearinger OTHER
INTERESTED PARTIES: The sale of the
above-described property shall be subject to
all matters shown on any recorded plat; any
unpaid taxes; any restrictive covenants, easements
or set-back lines that may be applicable;
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. This property is being sold
with the express reservation that it is subject to
confirmation by the lender or Substitute Trustee.
This sale may be rescinded 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. All
right and equity of redemption, statutory or
otherwise, homestead, and dower 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
Property is sold as is, where is, without representations
or warranties of any kind, including
fitness for a particular us or purpose. THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad #7855: 2010-12-17
2010-12-24, 2010-12-31
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated November
4, 2005, executed by Aaron Stephens, conveying
certain real property therein described
to Robert M. Wilson, Jr., as Trustee, as same
appears of record in the Register’s Office of
Hamilton County, Tennessee recorded November
9, 2005, in Deed Book GI 7741, Page
71; and WHEREAS, the beneficial interest
of said Deed of Trust was last transferred and
assigned to The Bank Of New York Mellon fka
The Bank Of New York, As Trustee For The
Certificateholders CWABS, Inc., Asset-Backed
Certificates, Series 2005- 17 who is now the
owner of said debt; and WHEREAS, Notice
of the Right to Foreclose, if required pursuant
to T.C.A. § 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record in
the Register’s Office of Hamilton County, Tennessee.
NOW, THEREFORE, notice is hereby
given that the entire indebtedness has been
declared due and payable, and that the undersigned,
Rubin Lublin Suarez Serrano TN LLC,
as Substitute Trustee or his duly appointed
agent, by virtue of the power, duty and authority
vested and imposed upon said Substitute
Trustee will, on January 6, 2011 at 11:00 AM
at the HAMILTON County courthouse door
where the foreclosure sales are customarily
held at the HAMILTON Courthouse, located
in Chattanooga, Tennessee, proceed to sell at
public outcry to the highest and best bidder for
cash or certified funds ONLY, the following
described property situated in Hamilton
County, Tennessee, to wit: LOT 1, GLENDON
PLACE ADDITION, AS SHOWN ON PLAT
OF RECORD IN PLAT BOOK 75, PAGE 186,
IN THE REGISTER`S OFFICE, HAMILTON
COUNTY, TENNESSEE, TO WHICH PLAT
REFERENCE IS HEREBY MADE FOR
A MORE PARTICULAR DESCRIPTION
OF SAID PROPERTY. BEING THE SAME
PROPERTY CONVEYED TO AARON
STEPHENS BY WARRANTY DEED
RECORDED IN BOOK 7741, PAGE 68, IN
THE REGISTER`S OFFICE OF HAMIL-
TON COUNTY, TENNESSEE. PROPERTY
ADDRESS: The street address of the property
is believed to be 111 S Germantown Road,
Chattanooga, TN 37411. In the event of
any discrepancy between this street address
and the legal description of the property,
the legal description shall control. CUR-
RENT OWNER(S): Aaron Stephens OTHER
INTERESTED PARTIES: US Bank National
Association, as trustee for the C-BASS Mortgage
Loan Asset Backed Certificates, Series
2006-SL1 The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for
a particular us or purpose. THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #7869: 2010-12-10 2010-12-17, 2010-
12-24
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated September
15, 1999, executed by Greg W. Palmer and
Lisa Desha Palmer, conveying certain real
property therein described to Arnold M. Weiss,
Attorney, as Trustee, as same appears of record
in the Register’s Office of Hamilton County,
Tennessee recorded September 23, 1999, in
Deed Book GI 5450, Page 335; and WHERE-
AS, the beneficial interest of said Deed of
Trust was last transferred and assigned to The
Bank Of New York Mellon Fka The Bank Of
New York, As Trustee For The Certificateholders
CWABS, Inc., Asset-Backed Certificates,
Series 2005-5 who is now the owner of said
debt; and WHEREAS, Notice of the Right to
Foreclose, if required pursuant to T.C.A.§ 35-
5-117, was given in accordance with Tennessee
law; and WHEREAS, the undersigned, Rubin
Lublin Suarez Serrano TN LLC, having been
appointed by as Substitute Trustee by instrument
to be filed for record in the Register’s
Office of Hamilton County, Tennessee. NOW,
THEREFORE, notice is hereby given that
the entire indebtedness has been declared due
and payable, and that the undersigned, Rubin
Lublin Suarez Serrano TN LLC, as Substitute
Trustee or his duly appointed agent, by virtue
of the power, duty and authority vested and
imposed upon said Substitute Trustee will,
on January 6, 2011 at 11:00 AM at the
HAMILTON County courthouse door where
the foreclosure sales are customarily held at
the HAMILTON Courthouse, located in Chattanooga,
Tennessee, proceed to sell at public
outcry to the highest and best bidder for cash
or certified funds ONLY, the following described
property situated in Hamilton County,
Tennessee, to wit: BEING LOT NUMBER
EIGHT (8), CHAPEL BEND SUBDIVI-
SION, AS SHOWN BY PLAT OF RECORD
IN PLAT BOOK 54, PAGE 163 AND AS
REVISED IN PLAT BOOK 56, PAGE 151, IN
THE REGISTRER`S OFFICE OF HAMIL-
TON COUNTY, TENNESSEE. BEING THE
SAME PROPERTY CONVEYED TO GREG
W. PALMER AND LISA DESHA PALMER,
HUSBAND AND WIFE, BY WARRANTY
DEED FROM NEAL J. BLACK AND WIFE,
LANA F. BLACK, DATED MAY 15, 1998,
AND RECORDED MAY 20, 1998 IN BOOK
5134, PAGE 882, REGISTER`S OFFICE
FOR HAMILTON COUNTY, TENNESSEE.
PROPERTY ADDRESS: The street address
of the property is believed to be 7609 Hunter
Road, Hixson, TN 37343. In the event of
any discrepancy between this street address
and the legal description of the property, the
legal description shall control. CURRENT
OWNER(S): Greg W. Palmer and Lisa Desha
Palmer OTHER INTERESTED PARTIES:
Department of the Treasury, Internal Revenue
Service, Ideal Aluminium Products, LLC,
Ken Crowe, Scott and Andrea Kuban, Yellow
Book USA The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations
or warranties of any kind, including fitness
for a particular us or purpose. In addition this
Continued on page 24

24 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Public Notices Continued from page 23
sale shall be subject to the right of redemption
by the UNITED STATES OF AMERICA,
pursuant to 26 U.S.C. 7425(d)(1) by reason of
the following tax lien(s) of record in: GI 5814,
Page 300 Notice of the sale has been given to
the UNITED STATES OF AMERICA in accordance
with 26 U.S.C. 7425(b). In addition
this sale shall be subject to the right of redemption
by the UNITED STATES OF AMERICA,
pursuant to 26 U.S.C. 7425(d)(1) by reason
of the following tax lien(s) of record in: GI
6077, Page 876 Notice of the sale has been
given to the UNITED STATES OF AMERICA
in accordance with 26 U.S.C. 7425(b). THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad#7902: 2010-12-10
2010-12-17, 2010-12-24
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
July 25, 2005, and the Deed of Trust of even
date securing the same, recorded August 25,
2005, at Book GI 7653, Page 261 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Kareem M. Bradford
and Carolyn Jean Bradford, conveying
certain property therein described to Mr.
Arnold M. Weiss, Memphis TN 38103 as
Trustee for Washington Mutual Bank, F.A.;
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 January 3,
2011 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:
The following described real property situate
in the City of Chattanooga, County of Hamilton,
and State of Tennessee, to wit:
All that tract or parcel of land lying and being
in the City of Chattanooga, Hamilton County,
Tennessee, being Lot One, Block Four of
Fairfax Heights as shown by plat recorded in
Book 984, Page 717, in the Register’s Office
of Hamilton County, Tennessee.
ALSO KNOWN AS: 1416 Elm Street, Chattanooga,
Tennessee 37415
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Kareem M. Bradford;
Citifinancial, Inc; Carolyn Jean Bradford
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. 717-155329
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2521488
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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 May 9, 2003,
and the Deed of Trust of even date securing
the same, recorded October 3, 2008, at Book
GI 8774, Page 142 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Michael G Artime and Theresa
R Artime, conveying certain property therein
described to Chicago Title Insurance Company
as Trustee for Washington Mutual Bank, F.A.;
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 January 3,
2011 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 Second Civil District of Hamilton
County, Tennessee: Lot Twenty-Four
(24), Hunter Village Subdivision, Unit One (1),
as shown by plat of record in Plat Book 43,
Page 143, in the Register’s Office of Hamilton
County, Tennessee.
ALSO KNOWN AS: 8408 Troubadour Way,
Ooltewah, Tennessee 37363-9049
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Michael G Artime; Theresa R
Artime; FSG Bank N.A.
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. 717-168396
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 481-2368591
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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 March
13, 2006, and the Deed of Trust of even date
securing the same, recorded March 16, 2006,
at Book GI 7874, Page 819 in Office of the
Register of Deeds for Hamilton County, Tennessee,
executed by Lesley Gayle Shutters,
conveying certain property therein described
to Arnold M. Weiss as Trustee for Mortgage
Electronic Registration Systems, Inc., as a
separate corporation that is acting solely as a
nominee for America’s Wholesale Lender and
America’s Wholesale Lender’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 January 3,
2011 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:
Being Lot Number 9, Block 3, Hamilton Place
Revised, as shown by plat of record in Plat
Book 8, page 35, 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.
ALSO KNOWN AS: 5103 Sunbeam Avenue,
Chattanooga, Tennessee 37411
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Lesley Gayle Shutters;
Department of the Neighborhood Services
Division of the City of Chattanooga
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. 726-118903
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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
February 18, 2010, and the Deed of Trust of
even date securing the same, recorded March
1, 2010, at Book GI 9118, Page 774 in Office
of the Register of Deeds for Hamilton County,
Tennessee, executed by David Murray,
conveying certain property therein described to
PRLAP, Inc. as Trustee for Bank of America,
N.A.; 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 January 3,
2011 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:
Land in Hamilton County, Tennessee, being
Lot No. Twenty-nine (29), Block E, on the
plan of Dallas Heights, of record in Plat Book
9, Page 47, Register’s Office for said county,
to which plan reference is hereby made for a
more complete description. Less and excepting
there from that portion used in rounding the
intersection of Avalon Avenue and the alley
adjoining the southerly lot line of the subject
property.
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: 1808 Avalon Avenue,
Chattanooga, Tennessee 37415
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: David Murray; Mortgage
Electronic Registration Systems, Inc. as
nominee for America’s Wholesale Lender;
America’s Wholesale Lender
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. 726-191633
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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 January
29, 2003, and the Deed of Trust of even date
securing the same, recorded June 11, 2003, at
Book GI 6710, Page 1 in Office of the Register
of Deeds for Hamilton County, Tennessee,
executed by Vesta Christina Morgan-Johnson
and Robert Frank Johnson, conveying
certain property therein described to Steve
Pitcherskys as Trustee for Nationwide Funding
Group, LTD; 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 January 3,
2011 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:
All that certain piece or parcel of land with the
building and improvements thereon situated,
lying and being in the City of Chattanooga,
County of Hamilton and State of Tennessee:
Being Lots Eight, Nine, Ten and Eleven, in the
City Water Company’s Addition on Fort Wood
as shown by a plat of said addition of record in
Plat Book 2, page 49, in the Register’s Office
of Hamilton County, Tennessee.
ALSO KNOWN AS: 841 Fortwood Street,
Chattanooga, Tennessee 37403
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Vesta Christina Morgan-
Johnson; Robert Frank Johnson; Mortgage
Electronic Registration Systems, Inc; LVNV
Funding, LLC assignee of CitiBank; Peelle
Management Corporation; GMAC Mortgage,
LLC
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. 767-169954
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
NOTICE OF TRUSTEE’S SALE
WHEREAS, default has occurred in the
performance of the covenants, terms, and con-
ditions of a Deed of Trust Note dated August
15, 2008, and the Deed of Trust of even date
securing the same, recorded August 19, 2008,
at Book GI 8741, Page 680 in Office of the
Register of Deeds for Hamilton County, Tennessee,
executed by Lathen Harold Dobbs,
Jr. and Stacy Diane Dobbs, conveying certain
property therein described to Title Guaranty
and Trust Company of Chattanooga as Trustee
for Mortgage Electronic Registration Systems,
Inc., a seperate corporation acting solely as
nominee for Platinum Mortgage, Inc. and
Platinum Mortgage, Inc. 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 January 24,
2011 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:
In the second civil district of Hamilton county,
Tennessee: Lot Two Hundred Twenty-three,
Holly Hills, Unit Twelve, as shown by plat
of record in Plat Book 32, Page 75, in the
Register’s Office of Hamilton County, Tennessee.
This conveyance made subject to the
following: Restrictive Covenants as set out in
instrument recorded in Book 2495, Page 479,
in the Register’s Office of Hamilton County,
Tennessee, 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
is exempt under Chapter 42, Section 3607, of
the United States Code or relates to handicap
but does not discriminate against handicapped
persons. Anchor easement as shown, described
or noted on recorded plat. Conditions and
easements contained in document of record in
Book 2116, Page 186, in the Register’s Office
of Hamilton County, Tennessee. All notes as
set out in legend on recorded plat. Any governmental
zoning and subdivision ordinances in
effect thereon. All notes, stipulations, restrictions,
easements, conditions, and regulations as
shown, described or noted on recorded plat.
ALSO KNOWN AS: 2310 Jennifer Drive,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Lathen Harold Dobbs , Jr.;
Stacy Diane Dobbs
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. 817-200580
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FHA No. 4812778773
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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
August 10, 2006, and the Deed of Trust of
even date securing the same, recorded August
10, 2006, at Book 8044, Page 307 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Michelle Davis,
conveying certain property therein described to
Title Insurance Co. of Chattanooga 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; 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 January 3,
2011 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 Tennessee:
Being a part of the property conveyed by
William Hayward Barbaree and wife, to Ernest
Quinn and wife, by Deed recorded in Book
2001, Page 590 in the Register’s Office of
Hamilton County, Tennessee and Further being
a part of the Northeast Quarter of Section
Twenty-Five (25), Township Six (6), Range
Three (3), West of the Basis Line, Ocoee District
and being more particularly described as
follows: Beginning at the most Southwestern
corner of the property conveyed in the Deed
above mentioned; thence eastwardly along
the most Southern line of said property, One
Hundred Seventy (170) feet to a point; thence
Northwardly and parallel to Julian Road,
Thirty (30) feet to a point; thence westwardly
(146) feet to a point in the east line of Julian
Road, thence South along said road, One Hundred
Five (105) feet to the point of beginning.
Subject to: Any governmental zoning and/or
subdivision ordinances or regulations in effect
thereon.
ALSO KNOWN AS: 488 Julian Road, Chattanooga,
Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Michelle Davis
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. 845-138852
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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 September
22, 2004, and the Deed of Trust of even date
securing the same, recorded September 24,
2004, at Book GI 7284, Page 321 in Office of
the Register of Deeds for Hamilton County,
Tennessee, executed by Michael V. Penny and
Rhonda J. Penny, conveying certain property
therein described to Milligan & Reynolds
Guaranty Title Agency, Inc. as Trustee for
First Horizon Home Loan Corporation; 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 January 10,
2011 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:
In the Third Civil District of Hamilton County,
Tennessee: Being one tract of land on County
Mill Lane a permanent private access and
utility easement as shown by plat of record
in Plat Book 34, page 157, in the Register’s
Office of Hamilton County, Tennessee and
more particularly described as follows: To find
the point of beginning, begin at an iron pin
marking the Western corner of the intersection
of Country Mill Lane with the 70 foot
radius turn around circle as shown by said
plat; thence along and with said western line
North 28 degrees 59 minutes West 97.31 feet
to an iron pin in said line; thence continuing
along and with said line North 24 degrees 45
minutes 15 seconds West 246.18 feet to an
iron pin in said Western line the true point of
beginning; thence continuing along and with
said Western line North 19 degrees 36 minutes
East 121.18 feet to a point in said Western line;
thence continuing along and with said Western
line North 49 degrees 21 minutes 30 seconds
East 140.11 to an old iron pin said Western
line; thence leaving said line North 47 degrees
West 254.7 feet to an iron pin, thence North 43
degrees East 155.1 feet to an old iron; thence
North 50 degrees 14 minutes West 258.9 feet
to an iron post; thence South 33 degrees 16
minutes West 680 feet to an iron pin thence
South 79 degrees 57 minutes East 513.2 feet
to an iron pin, the point of beginning, being
known as Tract 34, Clift Mill Estates, as shown
by survey of Paul Glen Jones, dated December
19, 1983 and revised March 2, 1987. Together
with the non exclusive right to the use of
Country Mill Lane, as shown by the above
cited plat. Reference is made for prior title to
Deed of record in Book 5440, page 822, in the
Register’s Office of Hamilton County, Tennessee.
Commonly known as: 12209 Country
Mill Lane, Soddy Daisy, TN 37379. Subject to
Restrictive Covenants of record in Book 2948,
page 662, in the Register’s Office of Hamilton
County, Tennessee, but omitting any covenant
or restrictions 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 360
of the United States Code or (b) relates to
handicap but does not discriminate against
handicapped persons.
Continued on page 25

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 25
Public Notices Continued from page 24
ALSO KNOWN AS: 12209 Country Mill
Lane, Soddy-Daisy, Tennessee 37379
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Michael V. Penny; Rhonda
J. Penny; Internal Revenue Service; General
Supply Services, Inc. d/b/a Gexpro
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. 702-154568
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
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 December 10,
2003, and the Deed of Trust of even date securing
the same, recorded December 22, 2003,
at Book GI 6968, Page 805 in Office of the
Register of Deeds for Hamilton County, Tennessee,
executed by Gary Christopher and
Elizabeth M Christopher, conveying certain
property therein described to Transcontinental
Title Company as Trustee for Mortgage Electronic
Registration Systems, Inc., as a separate
corporation that is acting solely as a nominee
for Mortgage Investors Corporation and Mortgage
Investors Corporation 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 January 10,
2011 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:
In the city of Chattanooga, Hamilton County,
Tennessee:
Beginning at a point in the West line of
Maedell Road, 30 feet North of the South Line
of the James R. Palmer property; thence North
along the West line of Maedell road, 203 feet,
thence at rightly angles West, 180 feet, more or
less, to a point; thence East and 30 feet North
of the James R. Palmer South Line, 286 feet,
more or less to the beginning.
ALSO KNOWN AS: 2119 Mae Dell Road,
Chattanooga, Tennessee 37421
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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: Gary Christopher; Elizabeth
M Christopher; ; City of Chattanooga
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. 902-122059
DATED December 6, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
VA No. 20-20-6-0518124
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred
in the performance of the covenants, terms
and conditions of a Deed of Trust dated July
15, 2002, executed by Barbara J. Nelson
and William Nelson, conveying certain real
property therein described to Arnold M. Weiss,
Attorney, as Trustee, as same appears of record
in the Register’s Office of Hamilton County,
Tennessee recorded August 1, 2002, in Deed
Book GI 6320, Page 464; and WHEREAS, the
beneficial interest of said Deed of Trust was
last transferred and assigned to BAC Home
Loans Servicing, LP f/k/a Countrywide Home
Loans Servicing, LP who is now the owner
of said debt; and WHEREAS, Notice of the
Right to Foreclose, if required pursuant to
T.C.A.§ 35-5-117, was given in accordance
with Tennessee law; and WHEREAS, the
undersigned, Rubin Lublin Suarez Serrano TN
LLC, having been appointed by as Substitute
Trustee by instrument to be filed for record in
the Register’s Office of Hamilton County, Tennessee.
NOW, THEREFORE, notice is hereby
given that the entire indebtedness has been
declared due and payable, and that the undersigned,
Rubin Lublin Suarez Serrano TN LLC,
as Substitute Trustee or his duly appointed
agent, by virtue of the power, duty and authority
vested and imposed upon said Substitute
Trustee will, on January 6, 2011 at 11:00 AM
at the HAMILTON County courthouse door
where the foreclosure sales are customarily
held at the HAMILTON Courthouse, located
in Chattanooga, Tennessee, proceed to sell at
public outcry to the highest and best bidder for
cash or certified funds ONLY, the following
described property situated in Hamilton
County, Tennessee, to wit: BEING LOT NOS.
18 AND 19 ON THE PLAN OF LERCH
PLACE, AS OF RECORD IN BOOK 9, PAGE
5, REGISTER`S OFFICE FOR HAMILTON
COUNTY, TENNESSEE, TO WHICH PLAN
REFERENCE IS HEREBY MADE FOR A
MORE COMPLETE DESCRIPTION. BEING
THE SAME PROPERTY CONVEYED TO
WILLIAM NELSON, AND WIFE BAR-
BARA NELSON BY DEED FROM LINDA
SCOGGINS VARNELL, DATED JUNE
30, 1997 AND FILED FOR RECORD ON
JULY 1, 1977 IN BOOK 4914, PAGE 700,
REGISTER`S OFFICE FOR HAMILTON
COUNTY, TENNESSEE. PROPERTY AD-
DRESS: The street address of the property is
believed to be 319 Oriole Drive, Chattanooga,
TN 37411. In the event of any discrepancy
between this street address and the legal
description of the property, the legal description
shall control. CURRENT OWNER(S):
OTHER INTERESTED PARTIES: Shawn
Roberson and Remy Roberson Barbara J.
Nelson a/k/a Barbara Nelson, William Nelson
a/k/a William Emil Nelson, Estate of William
Nelson, MERS/BAC Home Loans Servicing
LP, Department of Neighborhood Services-
City of Chattanooga, Tennessee Department
of Revenue The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for a
particular us or purpose. In addition this sale
shall be subject to the right of redemption by
the TENNESSEE DEPARTMENT OF REV-
ENUE, TAX ENFORCEMENT DIVISION,
pursuant to T.C.A.. 67-1-1433C(1) by reason
of the following tax lien(s) of record in: Book
GI 8481, Page 470. Notice of the sale has been
given to the State of Tennessee in accordance
with T.C.A.67-1-1433b(1). THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #7948: 2010-12-10 2010-12-17, 2010-
12-24
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 July 26, 2005,
and the Deed of Trust of even date securing
the same, recorded July 27, 2005, at Book
GI 7617, Page 358 in Office of the Register
of Deeds for Hamilton County, Tennessee, executed
by Alejandro Richter and Julisa Flores
Richter, conveying certain property therein
described to First Choice Title as Trustee for
First Horizon Home Loan Corporation; 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 January 3,
2011 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:
All that tract or parcel of land lying and being
in the Second Civil District of Hamilton County,
Tennessee, being Lot 831, Hamilton on
Hunter, Phase 13, as shown by plat recorded in
Plat book 76, page 89, in the Register’s Office
of Hamilton County, Tennessee.
This Conveyance is made subject to the following:
Restrictions of record in Book 6121, Page 674,
as imposed in Book 7268, Page 863, in the
Register’s Office of Hamilton County, Tennessee,
but omitting any covenant or restriction
based on race, color, religion, sex, handicap,
familial status or national origin unless and
only to the said 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 handicap
persons.
Ten (10) foot Power and Communications
Easement as shown or specified on the
recorded plat.
Ten (10) foot Drainage Easement as shown or
specified on the recorded plat.
Twenty (20) foot Sanitary Sewer Easement as
shown or specified on the recorded plat.
Conditions, Restrictions, Reservations,
Limitations, easements, etc., as set out on the
recorded plat.
Any governmental zoning and subdivision
ordinances or regulations in effect thereon.
ALSO KNOWN AS: 6115 Gibbs Lane,
Ooltewah, Tennessee 37363
The HB 3588 letter was mailed to the
borrower(s) pursuant to Tennessee Code Annotated
35-5-117. 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 abovereferenced
property: Alejandro Richter; Julisa
Flores Richter; First Horizon Home Loan
Corporation; Mortgage Electronic Registration
Systems, Inc as nominee for First Horizon
Home Loan Corporation
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. 702-130979
DATED December 7, 2010.
WILSON & ASSOCIATES, P.L.L.C.,
Successor Trustee
By: Shellie Wallace
FOR SALE INFORMATION, VISIT WWW.
MYFIR.COM and WWW.REALTYTRAC.
COM
HCH3T-12/10,12/17,12/24/10
SUBSTITUTE TRUSTEE’S SALE
Sale at public auction will be on January 5,
2011 at 10:00AM local time, at the west door,
Hamilton County Courthouse, Chattanooga,
Tennessee pursuant to Deed of Trust executed
by Coy L. Phillips and wife, Margie L. Phillips,
to Leigh M. Ferguson, Trustee, on March
16, 1995 at Book 4479, Page 81; conducted by
Shapiro & Kirsch, LLP Substitute Trustee, all
of record in the Hamilton County Register’s
Office.
Owner of Debt: TENNESSEE HOUSING
DEVELOPMENT AGENCY
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:
Being Lot Nineteen (19) amended plat of
White City, the Chattanooga Land Company’s
Addition Number Two (2), as shown by plat of
record in Plat Book 6, Page 56, in the Register’s
Office of Hamilton County, Tennessee
Street Address: 1212 East 35th Street, Chattanooga,
Tennessee 37407
Current Owner(s) of Property: Heirs of Margie
L. Phillips
The street address of the above described
property is believed to be 1212 East 35th
Street, Chattanooga, Tennessee 37407, 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.
SALE IS SUBJECT TO TENANT(S) RIGHTS
IN POSSESSION.
If applicable, the notice requirements of T.C.A.
35-5-117 have been met.
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
Shapiro & Kirsch, LLP?6055 Primacy Parkway,
Suite 410?Memphis, TN 38119
Phone (901)767-5566
Fax 901-767-8890
**Effective December 20, 2010, our new
address will be 555 South Perkins Road Extended,
Second Floor, Memphis, TN 38117
S&K10-012112
HCH3T-12/10,12/17,12/24/10
SUBSTITUTE TRUSTEE’S SALE
Sale at public auction will be on January 5,
2011 at 10:00AM local time, at the west door,
Hamilton County Courthouse, Chattanooga,
Tennessee pursuant to Deed of Trust executed
by Ronald Edmonds and Judy Edmonds, to
Leigh M. Ferguson, Trustee, on October 13,
1999 at Book GI 5464, Page 700; conducted
by Shapiro & Kirsch, LLP Substitute Trustee,
all of record in the Hamilton County Register’s
Office.
Owner of Debt: Tennessee Housing Development
Agency
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:
LOCATED IN THE THIRD CIVIL DISTRICT
OF HAMILTON COUNTY,?TENNESSEE:
Lot Fifteen (15), Glengerrie Subdivision,
as shown by plat of record in Plat Book 27,
Page 42, in the Register’s Office of?Hamilton
County, Tennessee. SUBJECT TO restrictions
as set out in instrument recorded in Book 1655,
Page 379, in the Register1s Office of Hamilton
County,?Tennessee. SUBJECT TO Five (5)
foot drainage easement as shown, described or
noted of legend on recorded plat. Street Address:
2385 Glengerrie Drive, Soddy-Daisy,
Tennessee 37379
Current Owner(s) of Property: Heirs of Ronald
Edmonds
The street address of the above described
property is believed to be 2385 Glengerrie
Drive, Soddy-Daisy, Tennessee 37379, 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.
SALE IS SUBJECT TO TENANT(S) RIGHTS
IN POSSESSION.
If applicable, the notice requirements of T.C.A.
35-5-117 have been met.
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
Shapiro & Kirsch, LLP?6055 Primacy Parkway,
Suite 410?Memphis, TN 38119
Phone (901)767-5566
Fax 901-767-8890
**Effective December 20, 2010, our new
address will be 555 South Perkins Road Extended,
Second Floor, Memphis, TN 38117
S&K10-011258
HCH3T-12/10,12/17,12/24/10
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated January
12, 2007, executed by Karen A. Henderson,
conveying certain real property therein
described to Glenn D. Everton, as Trustee, as
same appears of record in the Register’s Office
of Hamilton County, Tennessee recorded
January 17, 2007, in Deed Book GI 8212, Page
765 and re-recorded May 30, 2007 in Deed
Book GI 8353, Page 690; and WHEREAS, the
beneficial interest of said Deed of Trust was
last transferred and assigned to BAC Home
Loans Servicing, LP f/k/a Countrywide Home
Loans Servicing, LP who is now the owner of
said debt; and WHEREAS, Notice of the Right
to Foreclose, if required pursuant to T.C.A. §
35-5-117, was given in accordance with Tennessee
law; and WHEREAS, the undersigned,
Rubin Lublin Suarez Serrano TN LLC, having
been appointed by as Substitute Trustee by instrument
to be filed for record in the Register’s
Office of Hamilton County, Tennessee. NOW,
THEREFORE, notice is hereby given that
the entire indebtedness has been declared due
and payable, and that the undersigned, Rubin
Lublin Suarez Serrano TN LLC, as Substitute
Trustee or his duly appointed agent, by virtue
of the power, duty and authority vested and
imposed upon said Substitute Trustee will,
on January 6, 2011 at 11:00 AM at the
HAMILTON County courthouse door where
the foreclosure sales are customarily held at
the HAMILTON Courthouse, located in Chattanooga,
Tennessee, proceed to sell at public
outcry to the highest and best bidder for cash
or certified funds ONLY, the following described
property situated in Hamilton County,
Tennessee, to wit: LOT 23, JACKSON PARK
SUBDIVISION, AS SHOWN ON PLAT
BOOK 27, PAGE 183, IN THE REGISTER`S
OFFICE OF HAMILTON COUNTY, TEN-
NESSEE, TO WHICH PLAT REFERENCE IS
HEREBY MADE FOR A MORE PARTICU-
LAR DESCRIPTION OF SAID PROPERTY.
PROPERTY ADDRESS: The street address
of the property is believed to be 123 Hatlin
Drive, Soddy Daisy, TN 37379. In the event
of any discrepancy between this street address
and the legal description of the property, the
legal description shall control. CURRENT
OWNER(S): Barbara Jean Cooley and Estate
of Karen A. Henderson OTHER INTER-
ESTED PARTIES: Karen A. Henderson LVNV
Funding LLC The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for
a particular us or purpose. THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #7837 2010-12-10 2010-12-17 2010-12-24
NOTICE OF SUBSTITUTE TRUSTEE’S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated May 21,
2008, executed by Mary M. Hambrick, conveying
certain real property therein described
to Robert M. Wilson, Jr., as Trustee, as same
appears of record in the Register’s Office of
Hamilton County, Tennessee recorded June
4, 2008, in Deed Book GI 8683, Page 187;
and WHEREAS, the beneficial interest of
said Deed of Trust was last transferred and
assigned to BAC Home Loans Servicing, LP
f/k/a Countrywide Home Loans Servicing
LP who is now the owner of said debt; and
WHEREAS, Notice of the Right to Foreclose,
if required pursuant to T.C.A. § 35-5-117, was
given in accordance with Tennessee law; and
WHEREAS, the undersigned, Rubin Lublin
Suarez Serrano TN LLC, having been appointed
by as Substitute Trustee by instrument
to be filed for record in the Register’s Office of
Hamilton County, Tennessee. NOW, THERE-
FORE, notice is hereby given that the entire
indebtedness has been declared due and payable,
and that the undersigned, Rubin Lublin
Suarez Serrano TN LLC, as Substitute Trustee
or his duly appointed agent, by virtue of the
power, duty and authority vested and imposed
upon said Substitute Trustee will, on January
6, 2011 at 11:00 AM at the HAMILTON
County courthouse door where the foreclosure
sales are customarily held at the HAMILTON
Courthouse, located in Chattanooga, Tennessee,
proceed to sell at public outcry to the
highest and best bidder for cash or certified
funds ONLY, the following described property
situated in Hamilton County, Tennessee, to
wit: PARCEL ID#: 136L G 035 LOCATED IN
THE CITY OF CHATTANOOGA, HAMIL-
TON COUNTY, TENNESSEE: THE NORTH
50 FEET OF LOTS 9 AND 10, AND THE
NORTH 50 FEET OF THE EAST 30 FEET
OF LOT 11, BURGESS SUBDIVISION, AS
SHOWN BY PLAT OF RECORD IN PLAT
BOOK 7, PAGE 31, IN THE REGISTER`S
OFFICE OF HAMILTON COUNTY, TEN-
NESSEE, AND DESCRIBED AS FOLLOWS:
BEGINNING AT A POINT ON THE WEST
LINE OF HIGH STREET 95 FEET; NORTH
OF THE NORTHWEST CORNER OF HIGH
AND JEFFERSON STREETS; RUNNING
THENCE NORTHWARDLY ALONG THE
WEST LINE OF HIGH STREET 50 FEET
TO THE NORTHEAST CORNER OF SAID
LOTS 9, 10 AND 11; THENCE SOUTH-
WARDLY AT RIGHT ANGLES PARALLEL
WITH THE WEST LINE OF HIGH STREET
50 FEET TO A POINT IN THE NORTH
LINE OF THE LOT CONVEYED BY JESSE
BURGESS AND WIFE TO R.C. SMITH,
TRUSTEE BY DEED RECORDED IN BOOK
447, PAGE 382, IN THE REGISTER`S OF-
FICE OF HAMILTON COUNTY, TENNES-
SEE; THENCE EASTWARDLY ALONG
THE NORTH LINE OF SAID R.C. SMITH
TRUSTEE, LOT 130 FEET TO THE POINT
OF BEGINNING TO WHICH PLAT SPECIF-
IC REFERENCE IS HEREBY MADE AND
INCORPORATED HEREIN AS IF COPIED
VERBATIM. FOR PRIOR TITLE SEE DEED
IN DEED BOOK 7912, PAGE 300, IN THE
REGISTER`S OFFICE OF HAMILTON
COUNTY, TENNESSEE. PROPERTY
KNOWN AS 1705 STANFIEL STREET,
CHATTANOOGA, TN 37406, MAP PARCEL
NO.136L-G-035. THIS CONVEYANCE IS
MADE SUBJECT TO THE FOLLOWING:
ANY GOVERNMENTAL ZONING AND
SUBDIVISION ORDINANCES OR REGU-
LATIONS IN EFFECT THEREON. ALL
APPLICABLE CONDITIONS, RESTRIC-
TIONS, RESERVATIONS, EASEMENTS,
ETC., AS SHOWN ON RECORDED PLAT.
PROPERTY ADDRESS: The street address
of the property is believed to be 1705 Stanfiel
Street, Chattanooga, TN 37406. In the event
of any discrepancy between this street address
and the legal description of the property, the
legal description shall control. CURRENT
OWNER(S): Mary M. Hambrick, Estate of
Mary Hambrick OTHER INTERESTED PAR-
TIES: City of Chattanooga, Portfolio Recovery
Associates LLC., and Secretary of Housing
and Urban Development, Attention Funding
and Trust The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations or
warranties of any kind, including fitness for
a particular us or purpose. THIS LAW FIRM
IS ATTEMPTING TO COLLECT A DEBT.
Continued on page 26

26 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
Public Notices Continued from page 25
ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. Rubin Lublin
Suarez Serrano TN LLC, Substitute Trustee
119 S. Main Street, Suite 500 Memphis, TN
38103 www.rubinlublin.com/property-listings.
php Tel: (888) 890-5309 Fax: (404) 601-5846
Ad #7826: 2010-12-10 2010-12-17, 2010-
12-24
NOTICE OF SUBSTITUTE TRUSTEE`S
SALE WHEREAS, default has occurred in
the performance of the covenants, terms and
conditions of a Deed of Trust dated November
30, 2006, executed by Christopher Phillips,
Elizabeth H. Phillips, conveying certain real
property therein described to Charles Boner,
as Trustee, as same appears of record in the
Register’s Office of Hamilton County, Tennessee
recorded December 19, 2006, in Deed
Book GI 8185, Page 792; and WHEREAS,
the beneficial interest of said Deed of Trust
was last transferred and assigned to Castle
Peak 2010-1 Loan Trust, By U.S. Bank Trust,
National Association, Not In Its Individual
Capacity But Solely As Owner Trustee who is
now the owner of said debt; and WHEREAS,
Notice of the Right to Foreclose, if required
pursuant to T.C.A.§ 35-5-117, was given in accordance
with Tennessee law; and WHEREAS,
the undersigned, Rubin Lublin Suarez Serrano
TN LLC, having been appointed by as
Substitute Trustee by instrument to be filed
for record in the Register’s Office of Hamilton
County, Tennessee. NOW, THEREFORE,
notice is hereby given that the entire indebtedness
has been declared due and payable, and
that the undersigned, Rubin Lublin Suarez
Serrano TN LLC, as Substitute Trustee or his
duly appointed agent, by virtue of the power,
duty and authority vested and imposed upon
said Substitute Trustee will, on December
30, 2010 at 11:00 AM at the HAMILTON
County courthouse door where the foreclosure
sales are customarily held at the HAMILTON
Courthouse, located in Chattanooga, Tennessee,
proceed to sell at public outcry to the
highest and best bidder for cash or certified
funds ONLY, the following described property
situated in Hamilton County, Tennessee, to
wit: SITUATE IN THE CITY OF CHATTA-
NOOGA HAMILTON COUNTY, TENNES-
SEE: BEING LOT 32, BELLEAU WOODS
TRUSTEE/MORTGAGEE’S SALES SCHEDULED IN THE NEXT 3 WEEKS
Property City Instr # Owner Trustee
SALES TO TAKE PLACE ON 12/30/10
2091 Paris Metz Road 37421 L32 Belleau Woods Subd Chattanooga 8185/792 Christopher Phillips And Elizabeth H Phillips Better Choice Notice Solutions
SALES TO TAKE PLACE ON 01/03/11
1253 Northern Hills Road 37343 L7 Plan of Unit 1 Northern Hill Subd Hixson GI7829/857 Jessica L. Valentine, Charles A. Heck Wilson & Associates, PLLC
8408 Troubadour Way 37363 L24 Hunter Village Subd Unit1 Ooltewah GI 8774/142 Theresa R. Artime, Michael G. Artime Wilson & Associates, PLLC
6115 Gibbs Lane 37363 L831 Hamilton on Hunter Ph13 Ooltewah GI 7617/358 Julisa Flores Richter, Alejandro Richter Wilson & Associates, PLLC
1941 Sivley Trail 37377 N43 degrees 35 min 22 sec W Signal Mountain GI 7847/291 Jenny Scott, Shane Scott Wilson & Associates, PLLC
841 Fortwood Street 37403 L8,9,10,11 City Water Company’s Add Fort Wood Chattanooga GI 6710/1 Robert Frank Johnson,
Vesta Christina Morgan-Johnson
Wilson & Associates, PLLC
1807 Wilson Street 37406 L3 Miller’s Subd of L2,3 Lattimer’s Add Chattanooga GI 7944/461 Grady O. Coppage, Oceleia Coppage Wilson & Associates, PLLC
3808 Grace Avenue 37406 L13 H Clay Evans Subd Chattanooga GI 8744/199 Gerald Taylor Wilson & Associates, PLLC
411 North Saint Marks Avenue 37411 L13 B6 Ridgeview Place No. 2 Chattanooga GI 8301/855 Yuliya Whitsett Wilson & Associates, PLLC
1317 Greenwood Road 37411 SW1/4 Sec13 T2 R4W Chattanooga GI 7034/350 George B. Clay, III Wilson & Associates, PLLC
5103 Sunbeam Avenue 37411 L9 B3 Hamilton Place Revised Chattanooga GI 7874/819 Lesley Gayle Shutters Wilson & Associates, PLLC
1606 Castleberry Avenue 37412 L4 BF Castle Park Add Chattanooga 4249/39 Jeffrey M. Sutton, Loretta E. Sutton Wilson & Associates, PLLC
1416 Elm Street 37415 L1 B4 Fairfax Heights Chattanooga GI 7653/261 Carolyn Jean Bradford, Kareem M. Bradford Wilson & Associates, PLLC
1808 Avalon Avenue 37415 L29 BE plan of Dallas Heights Chattanooga GI 9118/774 David Murray Wilson & Associates, PLLC
2310 Jennifer Drive 37421 L223 Holly Hills Unit12 Chattanooga 8741/680 Lathen Harold Dobbs, Jr. Wilson & Associates, PLLC
488 Julian Road 37421 NE1/4 of Sec25 T6 R3 Chattanooga 8044/307 Michelle Davis Wilson & Associates, PLLC
SALES TO TAKE PLACE ON 01/05/11
1284 Village Green Drive 37343 L37 Valley Brook Park Subd Hixson 6486/404 Ann Glenn Crouse And Norman H Crouse Better Choice Notice Solutions
2385 Glengerrie Drive 37379 L15 Glengerrie Subd Soddy-Daisy S&K10-011258 Heirs of Ronald Edmonds Shapiro & Kirsch LLP
2417 Leann Circle 37406 L11 King Oak Subd Chattanooga S&K10-008235 Lena P. Baker Shapiro & Kirsch LLP
1212 East 35th Street 37407 L19 amended plat White City Chatt Land Co’s Add
No2
SALES TO TAKE PLACE ON 01/06/11
Chattanooga S&K10-012112 Heirs of Margie L. Phillips Shapiro & Kirsch LLP
7609 Hunter Road 37343 L8 Chapel Bend Subd Hixson 5450/335 Greg W Palmer And Lisa Desha Palmer Better Choice Notice Solutions
1210 Northern Hills Road 37343 L36 Northern Hills Subd Hixson 4731/551 John D Bennett And Mary E Bennett Better Choice Notice Solutions
123 Hatlin Drive 37379 L23 Jackson Park Subd Soddy Daisy 8212/765 Karen A Henderson Better Choice Notice Solutions
1705 Stanfiel Street 37406 N50 ft L9,10 N50 ft of E30 ft L11 Burgess Subd Chattanooga 8683/187 Mary M Hambrick Better Choice Notice Solutions
4118 12th Avenue 37407 L10 B1 Subd E1/2 L9 Desabla Home Place Chattanooga 7206/114 Clarence J Ray And Valerie Ray Better Choice Notice Solutions
304 S Moore Road 37411 L3,4 B10 revised plat Hamilton Place Subd Chattanooga 8066/621 Amber R Gearinger Better Choice Notice Solutions
111 S Germantown Road 37411 L1 Glendon Place Add Chattanooga 7741/71 Aaron Stephens Better Choice Notice Solutions
319 Oriole Drive 37411 L18,19 plan of Lerch Place Chattanooga 6320/464 Barbara J Nelson And William Nelson Better Choice Notice Solutions
SALES TO TAKE PLACE ON 01/10/11
6002 Morning Glory Drive 37341 L181 Corr Plat L181,182 Morning Glory Farms
Subd
Harrison GI 8895/895 Tonya N. Templeton, Llewellyn L. Templeton
aka L. Lee Templeton
Wilson & Associates, PLLC
8527 Ricardo Lane 37343 L118 Sequoyah Hills Subd Unit3 Hixson GI 7964/558 Charles R. Mayhew, Janice Jean Mayhew Wilson & Associates, PLLC
4209 Woodland Drive 37363 L4 MT Blair Subd Ooltewah GI 6143/980 Deborah K. Swearengin, Jerry Swearengin, Sr. Wilson & Associates, PLLC
8431 Hunter Hills Court 37363 L8 Hunter Acres Estates Ooltewah GI 8876/952 Billie G. Adams Wilson & Associates, PLLC
12209 Country Mill Lane 37379 1 Tr of Land on County Mill Lane Soddy-Daisy GI 7284/321 Rhonda J. Penny, Michael V. Penny Wilson & Associates, PLLC
311 Hemphill Avenue 37411 L1 B6 Amended plat Orchard Crest Chattanooga GI 7102/470 Laura L. Heck, Andrew J. Heck Wilson & Associates, PLLC
5510 Miller Drive 37411 L18 BK Bonameade Chattanooga GI 8263/66 Meri Lourdes Sowders , Cyrus M. Adcock Wilson & Associates, PLLC
613 Castle Drive 37411 L3 B12 Biltmore Estates Ext Chattanooga GI 8209/950 Ginger F. Jones Wilson & Associates, PLLC
6615 Jordan Run Road 37412 L55 Unit2 Jordan Run Subd Chattanooga GI 7295/871 Ginger R. Fillers, Christopher M. Fillers Wilson & Associates, PLLC
3908 Weldon Drive 37412 L7 BD Plan of Blaney Forest Chattanooga GI 7381/115 James Kumbar Jr. Wilson & Associates, PLLC
210 Lynnolen Lane 37415 L4 Corr plat L3,4 Ridge Creek Subd Chattanooga GI 7701/711 Greta J. Jones, Lonnie D. Jones Wilson & Associates, PLLC
1829 Jenkins Road 37421 commence at intersection of S right-of-way Igou Gap Rd
with W right-of-way Jenkins Rd
2119 Mae Dell Road 37421 Beginning at a point in W line of Maedell Rd 30ft N of S
Line of James P Palmer property
SUBDIVISION, AS SHOWN BY PLAT OF
RECORD IN PLAT BOOK 60, PAGE 169, IN
THE REGISTER`S OFFICE OF HAMILTON
COUNTY, TENNESSEE. SUBJECT TO
RESTRICTIONS OF RECORD IN BOOK
5473, PAGE 310, IN THE REGISTER`S OF-
FICE OF HAMILTON COUNTY, TENNES-
SEE. SUBJECT TO TEN(10) FOOT POWER,
COMMUNICATION, AND SEWAGE
EASEMENTS AS SHOWN OR SPECIFIED
ON THE RECORDED PLAT. SUBJECT TO
CONDITIONS, RESTRICTIONS, RESERVA-
TIONS, LIMITATIONS, EASEMENTS,
ETC., AS SET OUT ON THE RECORDED
PLAT. SUBJECT TO ANY GOVERNMENT
ZONING OR SUBDIVISION ORDINANCES
OR REGULATIONS IN EFFECT THEREON.
BEING THE SAME PROPERTY CON-
VEYED TO CHRISTOPHER M. PHILLIPS
AND ELIZABETH H. PHILLIPS BY DEED
DATED JULY 27, 2001 AND RECORDED
JULY 20, 2001 IN DEED BOOK 5940,
PAGE 337 IN THE REGISTER`S OFFICE
OF HAMILTON COUNTY, TENNESSEE.
PROPERTY ADDRESS: The street address
of the property is believed to be 2091 Paris
Chattanooga GI 7526/846 David Collins Wilson & Associates, PLLC
Chattanooga GI 6968/805 Elizabeth M. Christopher, Gary Christopher Wilson & Associates, PLLC
8419 Oak Drive 37421 27 Unit3 Irwin Hills Chattanooga GI8884/314 Sarah Shannon Rogers, James Erwin Rogers Wilson & Associates, PLLC
Look to our Web site for editorial content, public notices
and valuable real estate information!
www.hamiltoncountyherald.com
Metz Road, Chattanooga, TN 37421. In
the event of any discrepancy between this
street address and the legal description of the
property, the legal description shall control.
CURRENT OWNER(S): Christopher Phillips,
Elizabeth H. Phillips OTHER INTERESTED
PARTIES: Mortgage Electronic Registration
Systems inc., acting solely as nominee for
Franklin Credit Management Corporation,
Citibank Southdakota, NA, Internal Revenue
Service (TN) The sale of the above-described
property shall be subject to all matters shown
on any recorded plat; any unpaid taxes; any
restrictive covenants, easements or set-back
lines that may be applicable; 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.
This property is being sold with the express
reservation that it is subject to confirmation by
the lender or Substitute Trustee. This sale may
be rescinded 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. All right and equity
of redemption, statutory or otherwise, homestead,
and dower 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 Property is
sold as is, where is, without representations
or warranties of any kind, including fitness
for a particular us or purpose. In addition this
sale shall be subject to the right of redemption
by the UNITED STATES OF AMERICA,
pursuant to 26 U.S.C. 7425(d)(1) by reason of
the following tax lien(s) of record in: Book GI
8772, Page 850. Notice of the sale has been
given to the UNITED STATES OF AMERICA
in accordance with 26 U.S.C. 7425(b). THIS
LAW FIRM IS ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Rubin Lublin Suarez Serrano TN LLC,
Substitute Trustee 119 S. Main Street, Suite
500 Memphis, TN 38103 www.rubinlublin.
com/property-listings.php Tel: (888) 890-5309
Fax: (404) 601-5846 Ad #7626: 2010-12-03
2010-12-10, 2010-12-17 2010-12-24 v

HAMILTON COUNTY HERALD www.hamiltoncountyherald.com
Friday, December 24, 2010 27
Paul Bianchina - – Inman News
HANDY HAndY At AT Home HOME
Nipping ice dams in the bud: for proper attic insulation, vents are key
As winter’s cold weather
approaches again, you may
be remembering back to those
frightening buildups of ice on
your roof that you’ve had to contend
with in years past. Known
as ice dams, they can present
a lot of potential problems for
your roofing, attic, insulation
and other parts of your home.
The time to deal with an ice
dam is before it occurs, not after.
So you might want to consider
taking some steps to prevent
their occurrence before winter
really tightens its grip on your
home.
How ice dams occur
As snow falls, it builds up on
the roof. If the daytime temperatures
are low, the snow won’t
melt, and the layer continues to
grow. In the meantime, you’ve
got the heat on inside your home
to keep things warm. Some of
that heat is inevitably lost into
the attic, and once it gets there,
it rises until it contacts the
underside of the roof.
With an insulating snow
layer above and heat below,
the snow on the roof begins to
melt from the bottom. A film
Coach’s Corner
with Dirk Zeller
Better positioning strategy
When talking with prospects
at a listing presentation, we are
usually talking about our marketing
and advertising pieces. We
often try to draw the prospect to
convert to client status through
our colorful brochures, Internet
sites, and overall exposure. We
are, again, selling through feelings
rather than tangible proof
of results.
Because of your positioning
strategy, can you prove that
you produce more leads or more
meaningful ad calls, sign calls,
or Internet inquiries? Does this
increase of leads generate more
showing activity or more buyer
consultations? Does how you
position the property with the
real estate agent community
result in more showings to more
buyers?
The first step is to prove
to the client that your positioning
strategy generates more
showing activity. A Champion
Agent will generate more showing
activity than other agents in
the marketplace.
Do you have an inventory
advantage that creates more
showings as well? Because, on
average, I carried around thirty
listings at any one time, which
it en-abled me to cross-market
my properties more effectively
with a wider reach to generate
more showings than many
of water is created between the
underside of the snow layer and
the top of the roofing, and the
water runs down the top of the
roof, beneath the snow, until it
reaches the eaves. Once there,
the water is past the end of the
attic.
Now there’s no more heat
being lost from the house to keep
the water warm, so it freezes, and
a solid dam of ice begins to form.
The longer the cycle continues,
the larger the ice dam grows.
Eventually, water coming
down the roof and hitting the
dam has nowhere else to go, so
it begins to work its way back
up the roof. When it gets back
to the point where the roof and
wall meet – where the heat loss
area is – it no longer freezes. It
continues to work back up the
roof as a liquid instead of as ice.
Since shingles are overlapped
from top to bottom, there’s no
protection against water coming
in from below, so eventually the
water gets under the shingles and
enters the house.
Prevent the heat loss
You can’t stop the snow
from falling, and for the most
other agents in the marketplace.
Increased quantity of leads creates
more opportunity for the
seller.
More leads generate more
showings. More showings increase
the probability of selling
the home. The increased
showings can also lead to a high
potential sales price in a high
demand home.
We all know the more people
through a well priced home,
the greater the chance of attracting
a high quality buyer and high
quality transaction. We need to
move the prospect step-by-step
through each stage to see clear
benefits of why they should hire
you.
I also believe better positioning
links with a primary
rule of real estate sales. Most
people miss this primary rule;
even agents miss it. When we
break down the basic rules of real
estate, this one leads the pack:
Real estate sales are governed
by the law of supply and
demand.
The law of supply and
demand drives real estate sales
and real estate values in any
marketplace. It drives appreciation,
investment, and activity. It
can also drive list price to sales
price ratios, days on the market,
and listings sold verses listings
taken ratios for most agents. A
Champion Agent will always fil-
part, you usually can’t do all that
much about keeping it from piling
up on your roof. So the next
best option is to keep the heat
from getting to it from below
and melting the underside of the
snow layer. If you can do that,
you can stop the water layer from
forming, which will stop the ice
buildup.
There are two things you’ll
want to take into consideration
here. The first line of defense is
good attic insulation. By increasing
your attic insulation to a
minimum level of R-38 or even
higher, you’re going to minimize
the amount of heat that’s being
lost from the house into the
attic. That’s going to lessen the
chance of the snow layer melting,
and will have the added
benefit of keeping your house
warmer.
After all, you’re paying a lot
of money to heat the house, so
it only makes sense to keep the
heat inside where you can use
it, not let it go up into the attic
where it’s wasted.
Increase attic ventilation
Even with good insulation,
a certain amount of heat is still
ter their strategy and positioning
and tactics through the laws of
supply and demand, and they
will end up with far superior stats
than other agents. They will
counsel their prospects, customers,
and clients on the influence
the law of supply and demand is
playing in the marketplace.
This is especially true when
the marketplace is shifting.
When we shift from a seller’s
market (where inventory is low
and demand is high) to a neutral
marketplace, a Champion Agent
will show inventory levels, sales
price ratios, and sales per month,
and will counsel their clients
based on where the market is
now and where it is heading.
Our job, as Champion
Agents, is to inform our clients
of the current and emerging
market conditions. The law of
supply and demand controls the
frenzy in seller’s markets and
the slow cautiousness in a heavy
buyer’s marketplace.
By knowing and tracking
the marketplace, you can better
position your clients to achieve
the best results in today’s marketplace.
Our job is to clearly
communicate how the law of
supply and demand will affect
each of our clients and how it is
impossible to achieve significant
results contrary to the law of supply
and demand.
If any agent is promising
them those results, they either
don’t really understand the marketplace,
are overly optimistic
and delusional, or lack the skill
to be able to really represent
their interest at the highest level.
This will become very obvious to
prospects if your discussion about
the law of supply and demand is
delivered with conviction and
power.
We need to tell the sellers
and buyers that the reason
marketplaces explode is because
demand is greater than supply
– it’s that simple! When supply
increases and demand lowers,
the activity level goes the other
direction.
Interest rates certainly can
affect demand as well. Interest
going to be lost into the attic.
That’s pretty much inevitable.
So with that in mind, you want
to prevent as much of that heat
as possible from reaching the
underside of the roof, where
it’s going to warm up the snow
layer.
To do that, you want to be
sure that you have good levels
of ventilation, which will allow
the wasted heat to be flushed out
of the attic. This is known as a
“cold roof.”
A good rule of thumb for
attic ventilation is a ratio of
1:300. That means 1 square foot
of attic ventilation area for every
300 square feet of attic space. So
if your home has 1,800 square
feet of attic space, you should
have approximately 6 square feet
of attic vents.
Furthermore, that 6 square
feet of vent area should be roughly
split between high and low
vents, meaning you should have
about 3 square feet of vents down
low in the soffits and another
3 square feet of vents high in
the gables or along the ridge.
This high/low placement allows
natural convection currents to
rates influence the buying power
of each person looking for a
property. I believe, however,
the largest influence is the law
of supply and demand. We can
respond to it far better than we
can respond to interest rates.
Strategic positioning works
well with the law of supply and
demand. Effectively executed, it
will work to create a maximum
benefit for your client based on
the odds of the marketplace.
“Mr. Smith, since we position
your home more strategically,
we increase the number of
agents who actually show your
home. With the increased showings,
we can increase the buyers
and potential offers. This creates
more buzz on your home, which
equates to more dollars in your
pocket. Doesn’t that appeal to
you?”
“Mr. Smith, one of my
primary jobs is to enhance the
demand for your home. Real
estate at its core is a supply and
demand business. My job is to
increase the demand for your
home over the competition in
move air through the attic and
flush warm air out through the
high vents.
As with the higher levels
of attic insulation, increasing
your attic ventilation pays other
dividends besides helping reduce
ice damming. During the hot
summer months, it flushes hot
air out of the attic, which keeps
your house cooler, reduces your
air conditioning load, and makes
your roofing last longer as well.
Finally, you want to make
sure that all of your inside fans
are vented all the way out of the
attic. That includes the kitchen
range hood, as well as the bath
fans and any other ventilation
fans you might have. That prevents
warm moist air from being
vented directly into the attic,
which not only helps prevent ice
damming, it also helps prevent
mold in the attic, as well as
potential moisture problems to
insulation and wood framing.
Remodeling and repair questions?
E-mail Paul at paulbianchina@inman.com.
All product
reviews are based on the author’s
actual testing of free review samples
provided by the manufacturers. v
the marketplace.
“One way to know if an
agent is successful at accomplishing
that is to compare the statistics
of listings sold versus listings
taken. The broad average right
now is _____ percent of homes
actually sell. My average is over
_____ percent. Would you agree
that we are more effective at
positioning your home?”
Dirk Zeller is a sought out
speaker, celebrated author and
CEO of Real Estate Champions.
His company trains more than
350,000 Agents worldwide each
year through live events, online
training, self-study programs, and
newsletters. The Real Estate community
has embraced and praised
his six best-selling books; Your
First Year in Real Estate, Success as
a Real Estate Agent for Dummies,
The Champion Real Estate Agent,
The Champion Real Estate Team,
Telephone Sales for Dummies®,
Successful Time Management for
Dummies, and over 300 articles in
print. To learn more, please visit:
http://www.realestatechampions.
com/. v
Do you need to publish a
legal notice
in Hamilton County?
Fax the information to: 423-648-9844
or
Email the ad to:
legals@hamiltoncountyherald.com
Hamilton County Herald
Published every Friday
Phone: 423-648-9841
651 East Fourth Street, Suite 100
Chattanooga, Tenn. 37403
Service, accuracy and dependability

28 Friday, December 24, 2010 www.hamiltoncountyherald.com
HAMILTON COUNTY HERALD
(423) 698-8001
Fax: (423) 698-8004
Founded in 1912
Year-end home sales continue downward trend according to MLS
November statistics fall below
prior month and 2009 levels
The local real estate market
continued its year-end lackluster
performance according to data
released by the Multiple Listing
Service (MLS) of the Greater
Chattanooga Association of
Realtors. In November of this
year, Southeast Tennessee and
the Northwest Georgia area saw
the sale of 371 residential units, a
13.1 percent decrease compared
to the previous month’s sales,
and a decline of 27.1 percent
from the same period last year.
“As disheartening as these
statistics are, showing our mar-
ket as having lapsed into an
almost chronic weakened state,
those who follow our monthly
trends and analysis have not
been taken by surprise,” said
association president Randy
Durham. “Still, it is noteworthy
that our unit sales for the first
11 months of the year are up 4.1
percent in 2010 over last year.
That is a great achievement in
a market that has shown little
good news.”
“So many factors have come
to bear on market performance
– lack of job opportunities, tightened
credit standards, foreclosures
that are consistently at the
Upcoming knowledge opportunities for Realtors!
Now is a great time to enhance your Realtor knowledge and skills
through the many professional development courses offered at
Greater Chattanooga Association of Realtors.
Basic Solid Earth MLS Training
Monday, December 27
3 – 4:30 p.m.
Instructor: Bonnie Rogers
FREE – NO CE, but great learning opportunity!
Limited to 10 participants
Build A Work Week Calendar Workshop
Tuesday, December 28
11 a.m. – noon
Facilitator: Susan Barnette
FREE – NO CE, but great learning opportunity!
Grab your lunch and continue your efforts on
planning a successful 2011!
We will discuss the why of having a daily schedule
and you will leave with a plan!
Bring your own planner or you can purchase a
BOSS Time Management System in the Realtor
Marketplace (Store).
Short Sales – What Is A Short Sale?
Wednesday, January 5
8:30 – 10:30 a.m.
Instructor: Todd Sholar
$20
2 hours TN CE
**GA CE also available with special stipulations
A complete explanation of a short sale by Todd
Sholar, attorney.
w w w . c h a t t R e a l t o r s . c o m
30 percent level, are all factors
that immediately come to mind
– that it can be easy to surrender
to the common pessimism that’s
all around us. But I reject that as
an option,” he added.
“Looking at 2010 as a
whole, and the sales successes
of the spring, we tend to forget
about the positive effect of the
Homebuyer’s Tax Credit,” he
added. “Since it expired, there
has been very little incentive for
buyers to get into the market,
and the lenders are still waiting
to see how the current tax
legislation will play out and the
ultimate fate of Fannie Mae and
HOW TO REGISTER FOR A CLASS
You may register online for a class by going to our Web site at www.ChattRealtors.com. Click
on the Education Calendar, click link at top and find the course you would like to take then click
on : Click Here To Register.
Complete the registration form and then click the submit button. You will receive an automatic
confirmation that your information has been received. However, you will also need to check
the class registration confirmation page to confirm that you are registered. All regular CE costs are
$10 per credit hour for Realtors. Designation courses are priced differently. See online registration
for the prices of Designation courses.
You may also contact the association office for a printed form that can be filled out and faxed
at your convenience.
If you are having trouble registering for a class, please contact Susan at the association office,
423-698-8001.
For all LUNCH & LEARN seminars, please grab some lunch before you come!
Unless otherwise noted, all of the following classes will take place in the GCAR Knowledge
Services Department.
To cancel a class, you must submit an e-mail or fax, written notice required. If no cancellation
is received, cost of class is forfeited. If class is FREE a $50 “No Show” fee will be assessed/charged.
Tug of War, Short Sales, Multiple Offers & You
Wednesday, January 5
11:30 a.m. – 1:30 p.m.
Instructor: Todd Sholar
$20
2 hours TN CE
**GA CE also available with special stipulations
Learn how to work a short sale with as few issues
as possible.
Close The Tough Ones!
Wednesday, January 5
2:30 – 4:30 p.m.
Instructor: Todd Sholar
$20
2 hours TN CE
**GA CE also available with special stipulations
Get it to closing – that is what everyone wants!
LUNCH & LEARN – HUD Training/Forum
Thursday, January 6
11 a.m. – 1 p.m.
Panel of Facilitators
FREE – NO CE, but great learning opportunity!
Grab your lunch and join us to learn the new
HUD bidding processes.
** To receive GA CE credit, you must attend
all three courses. If you attend all three courses
you will receive 6 hrs GA CE.
Freddie Mac.”
Chattanooga Area MLS
President Bobby Teems voiced
concern that has now become
an important theme among
Realtors nationally. “I know that
the president’s Deficit Reduction
Commission was composed of
well meaning people who are
searching for answers to the hard
debt questions our nation is facing,
but it is beyond my comprehension
as to why they would
even consider elimination of the
Mortgage Interest Deduction for
home buyers.”
Durham agreed saying,
“Our economists at NAR
(National Association of
Realtors) have carefully studied
the effects that such a plan
would unleash, and there can be
no positive result for the national,
regional or local economies.
Conceivably, it could be the
most destructive force in the
U.S. housing market in decades.
I urge everyone to contact their
Congressional representatives
and U.S. senators and defeat
this unprecedented threat to the
American dream of home ownership.”
Median price in the greater
Chattanooga market declined
3.8 percent from the same period
12 months ago and a saw a
sharper drop of 8.6 percent from
only a month before.
In terms of the number of
2963 AmnicolA
HigHwAy
cHAttAnoogA,
tennessee 37406
Association Officers
Randy Durham, President; Jennifer Grayson, President-Elect; Mark Hite, Secretary/Treasurer; Nickie Schwartzkopf, Immediate Past President
Association Directors
Becky Cope, Ben Pitts, Bobby Teems, Bonnie Hamilton, Dan Griess, Jennifer Grayson, Julie Chamberlain, Mark Blazek, Mark Hite, Myra Cochran, Nathan Walldorf, Nickie Schwartzkopf,
Randy Durham, Robert Yarbrough, Russ Elliot, Susan Barnette, Vicki Trapp.
MLS Officers
Bobby Teems, President; Dan Griess, President-Elect; Pam Duffy, Secretary/Treasurer
MLS Directors
Becky Cope, Bobby Teems, Byron Kelly, Dan Griess, Jennifer Grayson, Kathy Tucker, Mark Blazek, Mark Hite, Pam Duffy, Randy Durham, Russ Elliot, Steve Champion
average days on the local market,
November 2010 saw an increase
of almost three weeks from the
same month in 2009, but only
four days from October of this
year.
The Greater Chattanooga
Association of Realtors, the
region’s premier voice for real
estate, is made up of real estate
professionals engaged in every
aspect of real estate throughout
Southeast Tennessee and
Northwest Georgia.
Statistical and informational
sources: U.S. Department of the
Treasury (USTREAS.GOV); Fed-
eral Reserve System (FederalReserve.
gov); U.S. Department of Labor
(BLS.GOV); U.S. Department of
Housing & Urban Development
(HUD); State of Tennessee (TennesseeAnytime.org);
Hamilton
County (HamiltonTN.gov); City
of Chattanooga (Chattanooga.
gov); MoodysEconomy.com; Ray-
mond James & Associates; The
Wall Street Journal; Point2
Technologies; Fannie Mae; Freddie
Mac; REUTERS.COM; The
Associated Press; MarketVector.
com; JohnTucillo.com; Bankrate.
com; RealEstateABC.com; The
Real Estate Book (rismedia.com);
The National Association of
Realtors(REALTOR.ORG);
Greater Chattanooga Association
of Realtors MLS; and other sources
deemed, but not guaranteed, to
be reliable. v