Home staging gives sellers a leg up - Chattanooga Bar Association

BRIEFLY 

FHA encourages 

Streamline 

Refinancing 

RISMedia 

Recently, Acting Federal 

Housing (FHA) Commissioner 

Carol Galante announced 

signifi cant price cuts to 

FHA’s Streamline Refi nance 

Program that could benefi t 

millions of borrowers whose 

mortgages are currently 

insured by FHA. Beginning 

June 11, 2012, FHA will lower 

its Upfront Mortgage Insurance 

Premium (UFMIP) to 

just .01 percent and reduce 

its annual premium to .55 

percent for certain FHA borrowers. 

To qualify, borrowers must 

be current on their existing 

FHA-insured mortgages 

which were endorsed on or 

before May 31, 2009. Late 

last month, FHA also announced 

it will increase its 

upfront premiums on most 

other loans by 75 basis points 

to 1.75 percent. In addition, 

FHA will raise annual 

premiums 10 basis points and 

35 basis points on mortgages 

higher than $625,500. 

“� is is one way that FHA 

can make a real diff erence 

to help homeowners who 

are doing the right thing, 

paying their bills on time 

and want to take advantage 

of today’s low interest rates,” 

says Galante. “By signifi cantly 

reducing costs for these borrowers, 

we can make certain 

they cut their monthly 

mortgage burden, which will 

benefi t the housing market 

and the broader economy in 

the process.” 

INSIDE 

See FHA, page 30 

��BUILDING PERMITS P15 

��BRAINBUSTER P21 

��ASK AMY P22 

��READ ALL ABOUT IT P23 

��COACH’S CORNER P24 

��SUDOKU P24 

PUBLIC NOTICES 

P15 

FOR HAMILTON, 

SEQUATCHIE, DADE, 

WALKER AND 

CATOOSA COUNTIES 

REAL ESTATE 

HAMILTON COUNTY HERALD 

By David Laprad 

A couple that’s in the market 

for a home walks into a house 

that’s piqued their interest. In the 

living room, they see the pictures 

of someone’s grandma and grandpa 

on the fi replace mantel instead 

of the beautiful stonework on the 

fi replace itself. Moving through 

the dining room, they’re unable 

to envision their table and chairs 

in the space because the homeowners 

are using it as a home 

offi ce. And their tour through the 

kitchen is quick, as they can’t see 

past the half-dozen appliances on 

the countertops, the children’s 

drawings on the refrigerator, or 

the doodads on the windowsill 

above the sink. 

Upstairs, the couple cuts the 

tour short at the threshold to the 

master bedroom, which holds so 

much clutter, they’d feel uncomfortable 

entering the highly 

personalized space. 

To Shaleigh Cronan and her 

husband, who have placed their 

home in Ooltewah, Tenn., on the 

market, the above scenario would 

be nightmarish. But the Cronans 

have a secret weapon that could 

help them to sell their home 

quicker and for more money: 

� eresa Maddox. 

Maddox is not a magician. 

Rather, she goes into houses that 

are up for sale and de-personalizes 

them, de-clutters them and 

dresses them up with subtle, 

decorative touches. If potential 

buyers can walk through the front 

door of a home and immediately 

begin to visualize themselves living 

there, she’s done her job. 

Removing photos is one of 

the fi rst things Maddox, a home 

staging professional, tackles. 

“When buyers see those personal 

touches, they tend to forget to 

look at the house. Baby pictures 

and vacation photos can be distracting,” 

she says. 

� e next thing to go is clutter, 

which gets under Maddox’s 

skin. “You want to remove books, 

collectibles and anything else that 

will take a buyer’s eye away from 

the architecture, the windows, 

NEWSLETTER, P32 

Home staging gives sellers a leg up 

Theresa Maddox is an accredited home staging professional who works throughout the Chattanooga area. 

She says staging a home can help it sell more quickly and at a higher price. Maddox won “Best in Show” at 

the Tri-State Home Show in February for her staging of a sunroom. (David Laprad) 

and so on,” she says. “I’ve never 

been a collector, and I don’t like 

clutter, so it’s easy for me to go 

into a house and starting telling 

people to get rid of stuff .” 

When the home sells, having 

the extra stuff already boxed 

up makes it that much easier to 

Heart Strings for Hope Dream Home Giveaway 


� e fi rst tickets available for 

the 6th annual St. Jude Dream 

Home Giveaway were sold on 

March 6, 2012 at the U.S.-101 

Heart Strings for Hope Concert 

presented by � e Miller Family 

Foundation at the Tivoli � eater. 

Tickets may now be reserved at 

Ashley Furniture HomeStore, 

Gigi’s Cupcakes and Regions 

Bank locations or by calling 

1-800-750-6962. Tickets may 

also be reserved by visiting www. 

dreamhome.org. 

� is year’s St. Jude Dream 

Home house is being built 

by Pratt Homebuilders in the 

Georgetown Bay subdivision of 

Ooltewah, Tenn., and is valued 

at approximately $300,000. � e 

house will feature three bedrooms 

and two-and-one-half 

baths. In addition to the house, 

14 additional prizes will be given 

away, including: a $,1000 gift certifi 

cate from Gordon’s Cleaners 

and Launderers; salon products 

See GIVEAWAY, page 31 

KAY’S COOKING COLUMN 

P21 

CRITIC’S CORNER 

P22 

See STAGING, page 14 

This year’s St. Jude Dream Home house is being built by Pratt Homebuilders in the Georgetown Bay 

subdivision of Ooltewah, Tenn., and is valued at approximately $300,000. The house will feature three 

bedrooms and two-and-one-half baths. (Photo provided)

14 | Friday, March 16, 2012 Hamilton County Herald www.hamiltoncountyherald.com 

STAGING Continued from page 13 

leave, Maddox says. “If you can 

pack up those hundreds of paperbacks, 

those knickknacks, and 

those 13 chairs around the dining 

room table, then your move will 

be less stressful.” 

Maddox also enjoys adding 

little touches here and there that 

bring a room to life. Among her 

clever additions to the kitchen of 

the Cronan home is the colored 

dishware inside the glass cabinets. 

� e true genius at the heart of 

what Maddox does, though, is her 

ability to redefi ne underutilized 

space. In the Cronan home, she 

turned a downstairs den the family 

was using as a spare bedroom 

into an offi ce for Shaleigh’s real 

estate business, complete with a 

desk and a cozy reception area for 

clients. 

Sometimes, when Maddox is 

transforming a space, there are 

gaps between what a room needs 

and what the homeowners have 

on hand. In these cases, Maddox 

dips into her inventory to fi nd the 

missing object and then works it 

into the overall scheme. Planted 

throughout the Cronan household 

are pieces of furniture and 

other odds and ends that look as 

though they have always been a 

part of the home – including the 

colored dishes. 

Maddox can even furnish an 

entire house – a service that’s in 

great demand given the number 

of foreclosures on the market. 

“Furnished rooms look a little 

bigger, so there’s value in staging 

an empty house,” she says. 

However, the thing Maddox 

enjoys the most is spotting the 

small things she can do that will 

make a big diff erence. 

“Years ago, it wasn’t popular 

to have trim on your drapes, and 

a friend of mine had a set of gorgeous 

custom drapes she hated 

because of the ugly trim. So I took 

a seam ripper, removed the trim, 

and she was amazed at the diff erence,” 

Maddox says. 

Shaleigh was impressed with 

Maddox’s advice to paint the 

stark white return air vents in her 

house the same color as the walls, 

causing them to all but disappear 

into the surrounding color. 

� e idea, Maddox says, was to 

turn the Cronan residence from 

someone’s home into a marketable 

house. � e process isn’t 

always easy, as selling a home can 

be an emotional event. Shaleigh 

grew up in the house she and her 

husband are selling, and even 

though they remodeled it from 

top to bottom, its walls are still 

dressed with memories. Maddox 

gave them the direction they 

needed to prepare their house for 

the market. 

“We’d accumulated a lot of 

stuff , and we didn’t know where 

to begin. It was overwhelming,” 

Shaleigh says. 

Maddox not only guides her 

clients, she also holds them 

accountable. Shaleigh says her 

home still wouldn’t be presentable 

if she and her husband, both 

busy professionals, had staged 

the place on their own. “� eresa 

told us what to do and then made 

sure we did it. She also kept me 

from having to nag my husband 

to do the things on his list. � e- 

resa would write down what he 

needed to do, and then I’d give 

the piece of paper to him and 

say, ‘Here’s a note from � eresa,’” 

Shaleigh says, laughing. 

In addition to being the seller, 

Shaleigh is also the agent that’s 

listing the house. � is has opened 

her eyes to the benefi ts of home 

staging to Realtors. “Having 

access to a team of professionals 

gives me validity as an agent. 

Plus, I can concentrate on selling 

the house while � eresa tells the 

homeowner what needs to be 

done to get it ready. � at keeps 

me from having to speak with 

my client about those things and 

jeopardizing that relationship,” 

she says. 

Maddox has no trouble being 

straightforward with a client. “I’m 

bossy, but in a nice way. At my old 

job, I wasn’t the boss, but I was 

the bossiest,” she says, adding her 

laughter to Shaleigh’s. 

Maddox’s “old job” was a position 

as an administrative assistant 

at Keller Williams in East Brainerd. 

When the economy started 

to dip, agents became more concerned 

than usual about selling 

homes as quickly as possible and 

at the highest possible price. One 

of the obstacles was clutter. 

“Agents would come in and say, 

‘How am I going to help the seller 

to understand that the picture of 

grandma and grandpa has to go?’” 

Maddox says. 

Maddox saw an opportunity. 

To ensure she had the credentials 

for which agents and sellers were 

looking, she earned the ASP (Accredited 

Staging Professional) and 

IAHSP (International Association 

of Home Staging Professionals) 

designations, and then went to 

work. Today, she’s an award-winning 

stager with clients throughout 

the Chattanooga area. 

“I can visualize things and 

I’m good at de-cluttering, so I’ve 

always staged my home and the 

homes of my children and my 

friends. Eventually, I decided to 

develop it into a business,” Maddox 

says. 

While Maddox is happy 

to extol the benefi ts of home 

staging, the numbers speak 

for themselves. According to 

StagedHomes.com, 94 percent of 

staged homes sell within 33 days, 

compared to non-staged homes, 

which sell in 144 days. In addition, 

Barb Schwarz, president 

and CEO of Staged Homes, told 

one state real estate association 

that staged homes sell for an 

average of 10 to 20 percent more 

than non-staged homes. For this 

reason, nearly 25 percent of properties 

are staged today, up from 

10 percent about 10 years ago, 

Schwarz said. 

Selling a home quickly and at 

the highest possible price will always 

be a priority for Chattanooga 

Realtors, whether the market is 

up or down. And helping agents 

to achieve that goal will always be 

job one for Maddox and the other 

staging professionals that work in 

the Chattanooga area. 

“My mother had six children, 

and there was never any clutter 

in our house. So I love going into 

someone else’s home and saying, 

‘Get rid of that, get rid of that, and 

get rid of that.’ It’s not always easy, 

but the results are worth it.” � 

Maddox staged the Ooltewah home of Shaleigh Cronan and her family. The family’s dining room looks ready 

for the pages of a home magazine. (Photos provided) 

Maddox transformed this lived-in space into something worthy of a display home. 

Good staging emphasizes the open layout of the Cronan residence. 

The master bedroom of the Cronan house is a masterwork of effective staging.

www.hamiltoncountyherald.com Hamilton County Herald Friday, March 16, 2012 | 15 

�CHATTANOOGA BUILDING PERMITS 

Additions 

3354 Oak Burr Dr, 37419; Hulgan Byron D, Same Address; 

Residential Single Family Addition; $40,000; Terry Houts, 307 

Marshall Hall Rd, Jasper 37347 • 033134L-D-02600 

1058 Graysville Rd, 37421; New Haven Baptist Church, Same 

Address; Church Picnic Pavillon; $18,000; Owner • 033171A-J- 

02800 

2219 Jenkins Rd, 37421; James Spearman, 2219 Jenkins Road 

37421; Covered Deck Addition; $1,100; Owner • 033149J-E-02800 

1704 Patriot LnHixson, 37343; Reddy Manorama K, Same 

Address; Greenhouse Addition; $40,000; Owner • 033111A-A-01900 

1704 Patriot LnHixson, 37343; Reddy Manorama K, Same 

Address; Deck & Carport Addition; $20,000; Owner • 033111A-A- 

01900 

623 Ladd Ave, 37405; Conner Aaron Lee, Same Address; New 

Storage/Garage Bldg; $18,000; Owner • 033135B-C-00600 

New Construction 

2507 Lifestyle Way, 37421; Defoor Brothers Development LLC, 

6110 Shallowford Rd 37421; New Construction Of Embassy Suites 

- Foundation Only; $910,000; Scott Ferry, 2301 Maitland Center 

Pkwy, Maitland 32751 • 033149H-A-01902 

8108 Burgundy Cir, 37421; Ba Development Inc, 7161 Lee Hwy 

Ste 300/400 37421; Residential Single Family New Construction; 

$185,000; Karim Jooma, 10620 Quarter Horse Ln, Ooltewah 37363 

• 033139M-C-08600 

8100 Burgundy Cir, 37421; Ba Development Inc, 7161 Lee Hwy 

Ste 300/400 37421; Residential Single Family New Construction; 

$185,000; Karim Jooma, 10620 Quarter Horse Ln, Ooltewah 37363 

• 033139M-C-08600 

616 E 19Th St, 37408; Rtb Holdings LLC, 3712 Ringgold Rd Box 

319 37412; Residential Single Family New Construction; $165,000; 

Chuck Halloran, 5971 Pinehurst Ave 37421 • 033145M-U-00300 

�HAMILTON COUNTY PUBLIC NOTICES 

SUBSTITUTE TRUSTEE’S SALE 

Sale at public auction will be on April 13, 2012 at 10:00AM local 

time, at the West door, Hamilton County Courthouse, Chattanooga, 

Tennessee pursuant to Deed of Trust executed by Sandra 

G. Bates, widow, unmarried, and Michael Shane Bates, 

unmarried, to Jovetta Woodard and Patricia Robinson, Trustee, on 

July 31, 2008 at Book GI 8760, Page 284; conducted by Shapiro & 

Kirsch, LLP Substitute Trustee, all of record in the Hamilton County 

Register’s Offi ce. 

Owner of Debt: CitiFinancial, Inc. 

The following real estate located in Hamilton County, Tennessee, 

will be sold to the highest call bidder subject to all unpaid taxes, 

prior liens and encumbrances of record: 

The following described property located in the Second (2nd) (Old 

Fourth) Civil District of Hamilton County, Tennessee to-wit: Tract 

One: Beginning on the post or stake at the Northeast corner of 

the six (6) acres deeded to William L. Bates and wife by deed of 

record in Book 780, Page 173, in the Register’s Offi ce of Hamilton 

County, Tennessee; thence running East Two Hundred Eight and 

2/3 (208 2/3) feet to a post; thence South Six Hundred Twenty-fi ve 

(625) feet to a post; thence, West Two Hundred Eight and 2/3 (208 

2/3) feet to a post, and being the Southwest (deed of acquisition 

shows Southeast) corner of William L. Bates’ six acre tract; thence 

North along the East line of William L. Bates, a distance of six 

hundred twenty fi ve (625) feet to the point of beginning. Tract Two: 

Being six acres to be taken out of the Southwest corner of the 

tract land that we purchased from Thomas Marris, and described 

as beginning on the Southwest corner of our land, thence running 

North a distance of Six Hundred Twenty-fi ve (625) feet to a stake; 

thence East, a distance of Four Hundred Seventeen (417) feet to 

408 Rosewood Ave, 37405; Paty Chris, 498 Druid Ln 37405; New 

Single Family Residence; $126,000; Chris S Paty, 498 Druid Lane 

37405 • 033135D-V-01200 

6135 Old Dayton Pike, 37415; Ray Marler, Same Address; New 

Single Family Residence; $500,000; Owner • 033090E-C-01100 

220 Compress St, 37405; Southern Champion Tray, ; Solar Car 

Canopy; $485,000; Dan Fossitt, 231 Elizabeth St, Atlanta 30307 • 

033135F-A-00500 

1712 Andover Pl, 37421; Atlas Developers LLC, 3119 Mt Pisgah 

Rd, Ringgold 30736; Residential Single Family New Construction; 

$132,000; Harold Dingman, PO Box 28226 37424 • 033159J-H- 

01900 

1726 Andover Pl, 37421; Atlas Developers LLC, 3119 Mt Pisgah 

Rd, Ringgold 30736; Residential Single Family New Construction; 

$132,000; Harold Dingman, PO Box 28226 37424 • 033159J-H- 

01900 

3629 Willow Lake Cir, 37419; 3 Amigos Land Co LLC, PO Box 

91313 37412; New Single Family Residence; $135,000; Randy 

Chapman, 17225 Hwy 41 37419 • 033144K-G-01600 

620 N Holly St, 37404; Habitat For Humanity Of Greater, 1201 

E Main St 37408; Residential Single Family New Construction; 

$75,000; Dennis Neal, 1201 E Main St 37412 • 033146C-P-04400 

670 Wilshire Way, 37405; James Pratt, 179 Hamm Road 37405; 

Residential Single Family Condo New Construction; $115,770; Bill 

Sewell, 179 Hamm Rd 37405 • 033117C-A-00905 

672 Wilshire Way, 37405; James Pratt, 179 Hamm Road 37405; 

Residential Single Family Condo New Construction; $118,090; Bill 

Sewell, 179 Hamm Rd 37405 • 033117C-A-00905 

823 Spindle Ct, 37421; Firstbank, PO Box 388, Lexington 37351; 

$168,000; Brandon Waters, PO Box 28052 37424 • 033171J-A- 

03304 

2905 Diane Ln, 37404; I Buy Houses Cash Inc, PO Box 4386 

a stake; thence running South a distance of Six Hundred Twenty 

fi ve (625) feet to a stake to the property of the Sims heirs, thence 

West along the Sims line to the point of beginning, a distance of 

Four Hundred Seventeen (417) feet at the beginning and making 

a lot of land Four Hundred Seventeen feet wide and Six hundred 

Twenty-fi ve (625) long. 

Street Address: 12407 Red Clay Road (Tract 2), 12411 Red Clay 

Road (Tract 1), Apison, Tennessee 37302 

Parcel Number: 174-040.00 and 174-040.01 

Current Owner(s) of Property: Sandra G. Bates, widow, unmarried, 

and Michael Shane Bates, unmarried, as joint tenants with right of 

survivorship 

The street address of the above described property is believed to 

be 12407 Red Clay Road (Tract 2), 12411 Red Clay Road (Tract 

1), Apison, Tennessee 37302, 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. 

37405; Residential Single Family New Construction; $200,000; 

William A Griffy, 701 Cherokee Blvd 37405 • 033156N-D-01601 

421 Crewdson St, 37405; Jared Chastain, 200 Manufacturers Road 

37405; Residential Single Family New Construction; $350,000; 

Owner • 033136A-C-02801 

1505 N Moore Rd, 37411; First Cumberland Presbyterian, Same 

Address; Footing And Foundation Only; $10,000; Devan Norman, 

PO Box 2, Ooltewah 37363 • 033147F-F-00600 

Repairs & Alterations 

6903 Lee Hwy, 37421; Mathis George L & Irene G C/O Edyth & 

John Buxton, PO Box 86, Dayton 37321; Int Tenant Alteration / 

Change Of Use; $35,000; Shannon Hicks, 416 Compton Road, 

Murfresboro 37130 • 033148D-G-00900 

5600 Brainerd Rd, 37411; Eastgate Town Center LLC Etal, 2932 

Wilshire Blvd Ste 205, Santa Monica 90403; Eastgate Town Center 

Tenant Finish Suite E-3; $48,500; Dave Brooks, 9507 Owl Gap 

Lane, Ooltewah 37363 • 033157M-A-00100 

5730 Brainerd Rd, 37411; Lee Jae Y & Gennie K, 3106 Reflection 

Ln, Ooltewah 37363; Int Remodel For Little Caeser’s Pizza; $65,000; 

no contractor listed, PO Box 80758 37414 • 033157L-C-00600 

200 Manufacturers Rd, 37405; Davis Cary P & Lisa W, 7370 

Emanon Rd, Harrison 37341; Tenant Finish For Etopa Hair 

Salon; $98,975; John Straussberger, 415 Tremont Street 37405 

• 033135F-H-00300 

5756 Hwy 153Hixson, 37343; Wolford Dev Chatt LLC, 412 

Georgia Ave Suite 200 37403; Sweet Frog Premium Frozen Yogurt; 

$100,000; Darren Reiniche, 412 Georgia Ave, Ste 200 37403 • 

033100A-C-00100 

800 Market St, 37402; Chuck Gavin, ; Tenant Finish; $1,200,000; 

Stief Counts, 102 Cedar Lane 37405 • 033145DA-C-00100 

22 Bellflower Cir, 37411; Guardiani Jesse D, Same Address; 

Residential Single Family Re-Roof; $5,000; Owner • 033157A-A- 

Deeds With Consideration Of $150,000 Or More January 30 - February 20-24, 2012 

This property is being sold with the express reservation that the 

sale is subject to confi rmation by the lender or trustee. This sale 

may be rescinded at any time. 

This offi ce may be a debt collector. This may be an attempt to 

collect a debt and any information obtained may be used for that 

purpose. 

Shapiro & Kirsch, LLP Substitute Trustee 

www.kirschattorneys.com 

Law Offi ce of Shapiro & Kirsch, LLP 

555 Perkins Road Extended, Second Floor 

Memphis, TN 38117 

Phone (901)767-5566 

Fax (901)761-5690 

S&K10-013936 

HCH3T-3/16,3/23,3/30/12 


Sale at public auction will be on April 13, 2012 at 2:00PM local 

time, at the west door, Hamilton County Courthouse, Chattanooga, 

Tennessee pursuant to Deed of Trust executed by Harold 

E. Smith and Katrina M. Hodge, to Richmond Title Services, 

Trustee, on October 31, 2007 at Book GI 8522, Page 844; conducted 

by Shapiro & Kirsch, LLP Substitute Trustee, all of record in 

the Hamilton County Register’s Offi ce. 

Holder: OneWest Bank, FSB 




Described property located in Hamilton County, Tennessee, and 

more particularly described as follows: BEGINNING at a stake 

00900 

347 Stringer St, 37405; Wilson Charles D Jr, 611 Franklin St 37405; 

Repair Roof; $750; Owner • 033135C-L-01800 

455 Moccasin Bend Rd, 37405; City of Chattanooga, City Hall 

37402; Moccasin Bend Wastewater Treatment Plant Re-Roof; 

$143,590; Bob Davis, 2409 George Town Rd, Cleveland 37311 • 

033135-01600 

400 Howard Cir, 37411; Powell Misti Dawn, Same Address; Major 

Fire Damage Repair; $60,000; Mike Wall, PO Box 21588 37424 • 

033157B-H-00800 

4908 Basswood Dr, 37416; Garth Valeria C, Same Address; 

Residential Repairs; $12,280; Tim Hale, 199 Cliff Top Lane 37419 

• 033129E-C-02400 

1124 Englewood Ave, 37405; Kosik M Johanna, 1156 Highland Dr 

37405; Remove/Replace Roofing; $2,500; Tony Allen, 3311 4Th 

Avenue 37407 • 033127P-P-01100 

3045 Rivermont Rd, 37415; Holland Derek & Tiffany, 2110 Portland 

Ave Apt 201, Nashville 37212; Interior Remodel; $130,000; Ethan 

Collier, PO Box 17268 37415 • 033118O-B-01900 

1209 Hanover St, 37405; Decosimo Margaret R, 5500 Summerfield 

Ln, Signal 37377; General Repairs; $3,000; Owner • 033136A-H- 

01600 

1150 Ridge Top Dr, 37421; Patty Michael R, Same Address; 

Residential Single Family Deck Repair; $8,500; Mark Herndon, 

1530 Kirby Ave 37404 • 033158N-D-00300 

4031 Forest Plaza DrHixson, 37343; Blank Michael A, Same 

Address; Window Replacement; $3,336; Stephanie Neher, 1239 

Revere Drive, Chalfont 18914 • 033109M-D-00800 

1703 Parkway Dr, 37406; Watson Willie H III, Same Address; 

Replacement Windows; $3,320; Stephanie Neher, 1239 Revere 

Drive, Chalfont 18914 • 033147B-D-00200�� 

Grantor Grantee Address Legal Description Parcel # Price 

Ernest & Ellis LLC Ss & As Family Lp $890,000 

Cornerstone Community Bank Newman, Jackie L;Parvin, Jeremy D L:70 Chattanooga $715,000 

Browne, Alexander L;Browne, Sandra Kay Martin, Charles T III;Martin, Rachel L L:13 Chattanooga $650,000 

Northwest Georgia Bank Twin Brook Investments 2511 Riverside Dr L:1 Andersons 127N D 020 $500,000 

Altekruse Family Trust;Altekruse Tr, Clifford F;Altekruse Tr, Joan M Utc One LLC L:1 Chattanooga $421,000 

Chattanooga Housing Authority Alton Place 2009 Lp Water St L:1 155N N 001 $400,000 

Hysinger, Frances N;Hysinger, Rodney W Bullard, Alexander Jackson;Bullard, Marcella K 6804 Chiswick Dr L:33 Chiswick Sub Chattanooga 148N B 003.02 $360,000 

Avery Tr, Emily Mccabe;Revocable Trust Agreement Of Emily Jones Mccabe;Suntrust Corey, Virginia Cullom $357,625 

Bank Tr 

Ons Partnership Smith, G Henry Chattanooga $335,000 

Fannie Mae;Federal National Mortgage Assn Smiddy, Richard W II;Smiddy, Sonja R 3313 Forest Shadows Dr L:26, Unit:2 Forest Shadow Estates Chattanooga 149M E 050 $306,900 

Carpenter, Stephanie A;Wendrick, Leslie J;Wendrick, Stephanie A Williams, Daniel Keith;Williams, Karen Wright L:305 $269,900 

G T Issa Construction LLC Pridemore, Nary;Pridemore, Sheena N 8516 Flower Branch L:25 Grays Acres Chattanooga 171B B 003.25 $269,900 

Dine, Erik R;Dine, Rebekah;Dine, Rebekah R Beckley, Brian S;Beckley, Jennifer A 906 Kentucky Ave L:9 Mountain Land Co Amended 108I B 027 $267,000 

Century Traditions LLC Henry, America A;Henry, Rex E Jr 9518 Hastings Way L:155, Unit:3 Wellesley Sub Ph 3 140N F 041 $258,000 

Appel, Buddy;Appel, Buddy Lee;Appel, Gail Davis, Kristen A $250,000 

G T Issa Construction LLC Joo, Hyunji;Joo, Ihnhwan 8515 Flower Branch L:8 Grays Acres Chattanooga 171B B 003.08 $250,000 

B&Amp;L Builders LLC Stearns, Erin Judge 1702 Holly Oak Ln L:17 159A C 047 $248,000 

Brown, Christina L;Brown, William P Scutella, Averi R;Scutella, Christopher M 9787 Berry Meadow Way L:15 Blackberry Farm 066E A 003.18 $240,000 

Deck Masters Inc Hysinger, Frances Nadine;Hysinger, Rodney Wendell Sr 2826 Congo Ln L:205, Unit:5 Yorktown Woods 150H J 005 $224,000 

Lancaster, Beth Ellen;Scheurer, Mark A;Scheurer, Philip Christian Sr Phelps, Andrea M;Phelps, Nathan Z 910 Glamis Cir L:8 Signal Mountain $215,000 

Hamaty, A Lenore;Hamaty, Daniel Appel, Buddy Lee;Appel, Gail P L:193 $214,000 

Ledford, George F;Ledford, Kathleen A Johnson, Christopher L;Johnson, Dondra M 10583 Daffodil Cir L:34 Summerfi eld Sub Soddy Daisy 066L A 006 $209,500 

White Rock Investments LLC-Series 32 Crampton, John E;Crampton, Leigh Anne H 8610 Georgetown Trace Ln L:55 Chattanooga $203,500 

Secretary Of Housing & Urban Development Hall, Rod Allen;Hall, Stacy Lynn 9619 Thornberry Dr L:18 Thornberry Hill Ooltewah 150E A 020 $200,000 

Jmh Developments LLC Whitehead, Rusty 894 Soaring Eagle Cir L:1 Eagle’s Landing 109D L 001 $190,000 

Warner, Keith M;Warner, Tiffany R Bridegroom, Amanda K;Bridegroom, John B Sr 7312 Flagstone Dr L:23 Flagstone Sub 122N B 005 $187,800 

Bell, Brandlyn;Bell, Nathan Link, Marcia;Link, Terrence 8434 Gracie Mac Ln L:187 104G A 125 $181,000 

Grimes, Bennie P;Grimes, James L Fain, Gary A II;Fain, Kaitlyn M 2522 West Wind Dr L:11 Rolling Hills Soddy Daisy 075E D 003 $165,000 

Barnett, Anne;Barnett, Bruce;Barrnett, Anne;Barrnett, Bruce Stevens, Cary S 8059 Zoe Dr L:691 Hamilton On Hunter Lots 74-147 122B H 022 $163,000 

Magee, Jared Lincoln;Magee, Kristie Mooney Reece, Michelle M 9812 Autumn Glen Dr L:37 Soddy Daisy 067O A 019.12 $161,000 

Fannie Mae;Federal National Mortgage Assn Krulikovskaya, Mariya;Krulikovskyy, Valentin 2144 Haven Crest Dr L:10 Valley View Chattanooga 159D D 008 $160,000 

Williams, Gloria Jean Williams, Jerry W $155,000 

Simon, Edwyn W;Simon, Judith A Bivens, Lauren L 170 Montlake Rd L:7 Willow Creek Soddy Daisy 065N E 009 $149,000 

Furrow, Larry C ;Furrow, Sharon D Skelton, Teddy O ;Skelton, Tiffany L 9450 Sweet Gum Ln L:144 075A B 018 $142,000 

Hoppe, Sherry L Keystone Holdings General Partnership 7425 Hamilton Run Dr L:26 Chattanooga 149A C 001.23 $140,000 

Botting, Ernest C;Botting, Jennifer C Quinn, Kerri L;Quinn, Sean M 5507 Fawn Ridge Rd L:82, Unit:3 Waconda Hills 120D D 034 $135,000 

Rose A Silvestro Revocable Trust;Silvestro Tr, Rose A Fields, David;Mcmillan, Julia Lark 412 Kilmer St L:8 Glenwood No 2 Amended 146E C 020 $130,000 

Fuller, Elizabeth P;Fuller, John R Jay Dolamaa Inc $130,000 

Henry, Benilda;Henry, Clyde F Huyler, Tina M;Huyler, Todd A 5819 Fort Sumter Dr L:148, Unit:6 Heritage Hills 121C E 012.20 $125,500 

Gonzalez, David;Gonzalez, Irma Gonzalez, Gladys M;Gonzalez, Ismael 9315 Wyndover Dr L:9 Somerset Estates 150J D 067 $125,000 

Bank Of New York Mellon Tr;Bank Of New York Tr Gallant, Hamilton B 508 Colville St L:PT 30 Chattanooga $123,500 

Sowell, Briant E;Sowell, Tameko Lanza, Julia Cristina $122,500 

Frassrand, Debra D Castelin, Tasha;Castelin, Terence C Jr $118,000 

Collins, Leslie;Collins, Michael Owens, Morgan E;Owens, Stephen Vann 3710 Redding Rd L:PT 3 Mountain View 118A L 017 $115,000 

Claypool, Karen Poteet, Monique E 621 Timberlinks Dr L:PT 7, Unit:2 Hawkins 097M B 001.06 $108,000 

Stutz, Linda Dianne Williams, Randall H 1311 Blocker Ln1313 Blocker Ln L:1,2 168L C 005.04;168L C 005.05 $105,000 

Federal Home Loan Mortgage Corp Bolton, Jacqueline;Bolton, Tommy 2747 Haywood Ave L:49 118P D 011 $99,900 

Mcbee, Elbert L II Rittenberry, Cozette S 4225 Shawhan Rd L:15 Blair Trewhitt 147F F 025 $97,000 

Stringer Ridge Associates Inc Smith, Claire Chattanooga $92,000 

Sells, George;Sells, George C;Sells, James Roger Nunley, Kenneth M;Nunley, Martha B $76,400 

(Lloyd’s N. E. Corner), thence North twenty-two (22) degrees 

East one hundred and fi fty-six (156) feet to a stake to the Rees 

line, thence with said line North Seventy (70) degrees West one 

hundred fi fty-two (152) feet fi ve inches to a stake in the C. S. Right 

of way, thence with said right of way South twenty (20) degrees 

twenty-fi ve (25) minutes West one hundred fi fty (150) feet fi ve (5) 

inches to a stake (Lloyd’s northwest corner); thence with Lloyd’s 

line South sixty-eight (68) degrees East one hundred forty-eight 

(148) feet fi ve (5) inches to the beginning. TOGETHER WITH a 

permanent non-exclusive easement for both vehicular and pedestrian 

ingress and egress and for the installation and maintenance 

of utilities; said easement to run from the western right of way of 

Back Valley Road to the eastern line of the land described herein 

being at all points 25 feet in width, the northern line of said easement 

being contiguous with the northern line of the land described 

as Tract Two in Deed Book 4304, Page 412, in the Register’s 

Offi ce of Hamilton County, Tennessee, and the southern line of 

said easement being at all points 25 feet from and parallell to the 

northern line of said land described in Deed Book 4304, Page 412, 

said Register’s Offi ce. SUBJECT TO a permanent non-exclusive 

easement for both vehicular and pedestrian ingress and egress 

and for the installation and maintenance of utilities; said easement 

to run from the western right of way of Back Valley Road to the 

eastern line of the land described herein being at all points 25 feet 

in width, the northern line of said easement being contiguous with 

the northern line of the land described as Tract Two in Deed Book 

4304, Page 412, in the Register’s Offi ce of Hamilton County, Ten- 

See NOTICES, page 16


NOTICES Continued from page 15 

nessee, and the southern line of said easement being at all points 

25 feet from and parallel to the northern line of said land described 

in Deed Book 4304, Page 412, said Register’s Offi ce. 

Street Address: 11379 Back Valley Road, Soddy Daisy, Tennessee 

37379 

Parcel Number: 040M-A-014 

Current Owner(s) of Property: Harold E. Smith, unmarried and 

Katrina M. Hodge, unmarried with right of survivorship for and during 

their joint natural lives, with the remainder over upon the death 

of either of them to the survivor of them 


be 11379 Back Valley Road, 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. 



been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K09-017880 

HCH3T-3/16,3/23,3/30/12 

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 June 26, 2006, executed 

by HAR-RELL BUSH, conveying certain real property therein 

described to ROBERT M. WILSON, JR. WILSON & ASSOC, PLLC 

as same appears of record in the Register’s Offi ce of Hamilton 

County, on August 31, 2006, as Instrument No. 2006083100259, 

in Book GI8067, at Page 830; and WHEREAS, the benefi cial 

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 OF THE 

CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006- 

13, who is now the owner of said debt; and WHEREAS, Notice 

of the Right to Foreclose(“Notice”) was given in compliance with 

Tennessee law by the mailing a copy of the Notice to the parties at 

least sixty (60) days prior to the fi rst publication of the Substitute 

Trustee’s Sale. WHEREAS, the undersigned, RECONTRUST 

COMPANY, N.A., having been appointed by as Substitute Trustee 

by instrument fi led for record in the Register’s Offi ce of Hamilton 

County, Tennessee . NOW, THEREFORE, notice is hereby given 

that the entire indebtedness has been declared due and payable, 

and that the undersigned, RECONTRUST COMPANY, N.A., as 

Substitute Trustee or its duly appointed agent, by virtue of the 

power, duty and authority vested and imposed upon said Substitute 

Trustee will, on April 9, 2012, 2:00 PM at the Hamilton County 

courthouse door where the foreclosure sales are customarily held 

On the front steps of the West Side Entrance of the Hamilton 

County Courthouse, 615 Walnut St., Chattanooga, TN, proceed to 

sell at public outcry to the highest and best bidder for cash, the following 

described property situated in Hamilton County, Tennessee, 

to wit: A CERTAIN TRACT OR PARCEL OF LAND IN HAMILTON 

COUNTY, STATE OF TENNESSEE, DESCRIBED AS FOLLOWS, 

TO-WIT: LOT 20, EDDINGS SUBDIVISION, OF RECORD IN PLAT 

BOOK 9, PAGE 33, IN THE REGISTER’S OFFICE OF HAMILTON 

COUNTY, TENNESSEE. PARCEL # 147H-E-007 PROPERTY 

ADDRESS: The street address of the property is believed to be 

903 MOSS ST, CHATTANOOGA, TN 37411-1329. 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): HAR-RELL BUSH AKA HARRELL BUSH 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 fi xture fi ling; 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 

confi rmation 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 fi tness for a particular use or purpose. RECONTRUST 

COMPANY, N.A. IS ATTEMPTING TO COLLECT A DEBT. ANY 

INFORMATION OBTAINED WILL BE USED FOR THAT PUR- 

POSE. RECONTRUST COMPANY, N.A., Substitute Trustee 2380 

Performance Dr, TX2-984-0407 Richardson, TX 75082 Tel: (800) 

281-8219 Fax: (866) 681-5002 Registered Agent: CT Corporation 

System 800 South Gay Street, Suite 2021 Knoxville, TN 37929 Tel: 

(865) 342-3522 TS#: 11-0144909 FEI # 1006.154966 03/16/2012, 

03/23/2012, 03/30/2012 

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, 


and conditions of a Deed of Trust dated July 22, 2008, executed 

by STEVEN M. AVANS AND KIM AVANS AKA KIMBERLY G. 

AVANS, conveying certain real property therein described to 

Larry A. Weissman, as Trustee, as same appears of record in the 

Register’s Offi ce of Hamilton County, Tennessee recorded July 

29, 2008, in Deed Book GI 8725, Page 896; and WHEREAS, the 

benefi cial interest of said Deed of Trust was last transferred and 

assigned to SunTrust Mortgage Inc. 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 as Substitute 

Trustee by instrument to be fi led for record in the Register’s Offi ce 

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 April 10, 2012 at 11:00 AM 

at the Front Steps of the Hamilton County Courthouse , located 

in Chattanooga, Tennessee, proceed to sell at public outcry to 

the highest and best bidder for cash or certifi ed funds ONLY, the 

following described property situated in Hamilton County, Tennessee, 

to wit: LOCATED IN THE SECOND CIVIL DISTRICT OF 

HAMILTON COUNTY, TENNESSEE: LOT FIVE (5), BLOCK C 

OF SUNNY DELL SUBDIVISION LOCATED IN THE TOWN OF 

EAST RIDGE, HAMILTON COUNTY, TENNESSEE, AS SHOWN 

BY A PLAT OF SAID SUBDIVISION OF RECORD IN PLAT BOOK 

18, PAGE 61, IN THE REGISTER`S OFFICE OF HAMILTON 

COUNTY, TENNESSEE. ACCORDING TO SAID PLAT, LOT FIVE 

(5), BLOCK C FRONTS 80 FEET ON THE NORTHWEST LINE 

OF ALTAMAHA STREET AND PROCEEDS BACK NORTHWEST- 

WARDLY BETWEEN PARALLEL LINES, EACH SIDE BEING 

125 FEET IN LENGTH LYING ON A BEARING OF NORTH 21 

DEGREES 11 MINUTES WEST; THE REAR LINE OF LOT FIVE 

(5) IS 80 FEET IN LENGTH ON A BEARING OF WEST 68 DE- 

GREES 49 MINUTES EAST ALONG A LINE THAT SEPARATES 

LOT FIVE (5) FROM THE PROPERTY BELONGING TO THE 

BANKS HEIRS. THE SOURCE OF GRANTOR`S INTEREST 

IS CONVEYED BY WARRANTY DEED RECORDED IN BOOK 


COUNTY, TENNESSEE. SUBJECT TO RESTRICTIONS AS SET 

OUT IN INSTRUMENT RECORDED IN BOOK 1189, PAGE 44, IN 

THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNES- 

SEE. SUBJECT TO TEN (10) FOOT DRAINAGE EASEMENT AS 

SHOWN, DESCRIBED OR NOTED ON RECORDED PLAT. Parcel 

ID: 169CA-006 PROPERTY ADDRESS: The street address of the 

property is believed to be 911 ALTAMAHA STREET, CHATTA- 

NOOGA, TN 37412. 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): KIM AVANS AKA 

KIMBERLY G. AVANS, STEVEN M AVANS 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 fi xture fi ling; 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 confi rmation 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 fi tness 

for a particular use 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 3740 Davinci Court, Suite 400 Norcross, 

GA 30092 www.rubinlublin.com/property-listings.php Tel: (877) 

813-0992 Fax: (404) 601-5846 Ad #22853: 2012-03-16 2012-03- 

23, 2012-03-30 




Tennessee pursuant to Deed of Trust executed by Elfi da Avdic, to 

Emmett James House and Bill R. McLaughlin, Trustee, on October 

24, 2003 at Book GI 6927, Page 873; conducted by Shapiro & 



Owner of Debt: EverBank 




Located in the Second Civil District of Hamilton County, Tennessee: 

Being Lot One-R (1-R), Emerson E. Russell Resubdivision of 

Lot One (1), Mincey Subdivision, as shown by plat of record in Plat 

Book 41, Page 265, in the Register’s Offi ce of Hamilton County, 

Tennessee. 

Street Address: 5633 State Line Road, Chattanooga, Tennessee 

37412 

Parcel Number: 169N-B-020.01 

Current Owner(s) of Property: Elfi da Avdic and Selima Chaus 


be 5633 State Line Road, Chattanooga, Tennessee 37412, but 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-014241 

HCH3T-3/16,3/23,3/30/12 

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 

13, 2005, and the Deed of Trust of even date securing the same, 

recorded July 15, 2005, at Book GI 7602, Page 260 in Offi ce of the 

Register of Deeds for Hamilton County, Tennessee, executed by 

Donna F. Anderson and Robert L. Anderson, conveying certain 

property therein described to Title Insurance Company of Chattanooga 

as Trustee for Mortgage Electronic Registration Systems, 

Inc., as nominee for M&T Mortgage Corporation, its successors 

and assigns; and the undersigned, 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 

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 April 30, 2012 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 Six, Block D, Revised Plan of Second Unit, Edgewood 

Addition 

ALSO KNOWN AS: 6121 Nottingham 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 fi xture fi ling; 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: Donna F. Anderson; Robert L. Anderson; Estate of 

Robert L Anderson; Donna Anderson as the Administrator of the 

Estate of Robert L Anderson; Unknown Heirs of Estate of Robert 

L Anderson 

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. 700-117052 

DATED March 5, 2012 

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

Successor Trustee 

FHA No. 481-2521392-703 

FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW. 

REALTYTRAC.COM 

HCH3T-3/16,3/23,3/30/12 



terms, and conditions of a Deed of Trust Note dated June 




Ernest Steven Burgin Paulette Burgin Ernest Burgin and Paulette 

Burgin, conveying certain property therein described to Mark 

Rosser as Trustee for Mortgage Electronic Registration Systems, 

Inc., as nominee for New Penn Financial, LLC, its successors and 

assigns; and the undersigned, Wilson & Associates, P.L.L.C., having 

been appointed Successor Trustee. 













In the Third Civil District of Hamilton County, Tennessee: 

Lot Six, J & F Barbee Road Subdivision, as shown by corrective 

plat of record in plat Book 57, Page 37. 

ALSO KNOWN AS: 9339 Barbee Road, Soddy Daisy, Tennessee 

37379 










property: Ernest Steven Burgin; Paulette Burgin; Ernest Burgin; 

Paulette Burgin 









FHA No. 481-3180227-703 



HCH3T-3/16,3/23,3/30/12 





recorded June 25, 2007, at Book GI 8383, Page 400 in Offi ce of 

the Register of Deeds for Hamilton County, Tennessee, executed 

by Nemorio B. Montano and Bernardina V. Martinez, conveying 

certain property therein described to Title Escrow of Chattanooga, 

Inc as Trustee for Mortgage Electronic Registration Systems, Inc., 

a seperate corporation acting solely as nominee for American 

Home Mortgage Company and American Home Mortgage 

Company successors and assigns; and the undersigned, Wilson & 

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













In the Third Civil District of Hamilton County, Tennessee: Lot Five 

(5), Rustic Village, being a subdivision of the Chattanooga Estates 

Company’s W. H. Foust Tract as shown by plat of record in Plat 

Book 15, page 48. 

ALSO KNOWN AS: 523 Lullwater Road, Chattanooga, Tennessee 

37405 










property: Nemorio B. Montano; Bernardina V. Martinez 









FHA No. 481-2622280-703 



HCH3T-3/16,3/23,3/30/12 



terms, and conditions of a Deed of Trust Note dated April 


recorded April 23, 2007, at Book GI 8313, Page 580 in Offi ce of 


by Bruce E. Madewell and Kelly R. Madewell, conveying certain 

property therein described to Brandon G. Polito as Trustee for 

Wells Fargo Financial Tennessee 1, L.L.C.; and the undersigned, 

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

Trustee. 













Real Estate in the City of Chattanooga, Hamilton County, Tennessee: 

Lot Three (3), Block D Hickory Valley Park, as shown on by 

plat of record in Plat Book 11, Page 13, of the Register’s Offi ce of 

Hamilton County, Tennessee. 

ALSO KNOWN AS: 1606 Hickory Valley Road, Chattanooga, 











property: Bruce E. Madewell; Kelly R. Madewell 











HCH3T-3/16,3/23,3/30/12 



terms, and conditions of a Deed of Trust Note dated March 




by Christopher M. Winston, conveying certain property therein 

described to Kirstn W. Scott, Attorney, a resident of Knox County, 

Tennessee as Trustee for Compass Mortgage, Inc.; and the undersigned, 

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

Successor Trustee. 





Successor Trustee will, on May 7, 2012 on or about 3:00 P.M., 








Lot 1, Corrective Plat, Willow Bend Subdivision, Hamilton County, 

Tennessee 

ALSO KNOWN AS: 1502 Eucalyptus Drive, Chattanooga, Tennessee 

37411 










property: Christopher M. Winston 









FHA No. 481-2453409-703 



HCH3T-3/16,3/23,3/30/12 










by Teresa A Ricketts Estate, conveying certain property therein 

described to Mark A. Rosser, Esq. of Knox County as Trustee for 

Mortgage Electronic Registration Systems, Inc., as a separate corporation 

that is acting solely as a nominee for Advanced Financial 

Services, Inc. and Advanced Financial Services, Inc.’s successors 















Located in the City of Chattangooga, Hamilton County, Tennessee: 

Lot One (1), Final Plat of Arthur Yother Trace, as shown by plat 

of record in Plat Book 72, Page 75, in the Register’s Offi ce of 


ALSO KNOWN AS: 5740 Old Dayton Pike, Chattanooga, Tennessee 

37415 










property: Teresa A Ricketts Estate; Heather Elaine Hatfi eld; North 

Star Capital Acquisition; Heather Elaine Hatfi eld; The Estate of 

Teresa Ricketts 











HCH3T-3/16,3/23,3/30/12 


WHEREAS, default has occurred in the performance of the 

covenants, terms, and conditions of a Deed of Trust Note dated 

August 27, 2002, and the Deed of Trust of even date securing the 

same, recorded August 28, 2002, at Book GI 6348, Page 872 in 

Offi ce of the Register of Deeds for Hamilton County, Tennessee, 

executed by Stephen C. Waller, conveying certain property 

therein described to Kenneth C. Dyer, III as Trustee for Frontier 

Bank; and the undersigned, Wilson & Associates, P.L.L.C., having 














LOCATED IN THE SECOND CIVIL DISTRICT OF HAMILTON 

COUNTY, TENNESSEE: Lot No. Fifty-fi ve (55), Final Plat Resubdivision 

of Lots 4, 5, 55 and 56, and abandoned alley, Block L, 

Adams Addition, as shown by plat of record in Plat Book 67, page 

172, in the Register’s Offi ce of Hamilton County, Tennessee. 

ALSO KNOWN AS: 9401 Ocoee Street, Ooltewah, Tennessee 

37363 










property: Stephen C. Waller; SunTrust Bank 











HCH3T-3/16,3/23,3/30/12 




June 20, 2003, and the Deed of Trust of even date securing the 

same, recorded June 25, 2003, at Book GI 6729, Page 790 in 


executed by Robert Stanard and Tayari Stanard, conveying 

certain property therein described to TRSTE II, INC as Trustee 

for Mortgage Electronic Registration Systems, Inc. as nominee 

for Wachovia Mortgage Corporation, its successors and assigns; 

and the undersigned, Wilson & Associates, P.L.L.C., having been 

appointed Successor Trustee. 













All that tract or parcel of land lying and being in the City of Chattanooga, 

Hamilton County, Tennessee, being Lot 5 and part of Lot 

6, Youngstown Hills, First Unit, as shown by plat recorded in Plat 

Book 22, Page 28, and Plat Book 22, Page 98, in the Register’s 

offi ce of Hamilton County, Tennessee. According to said plat, said 

lot and part of lot are contiguous, and described as follows: Beginning 

at a point on the East line of Youngstown Road, 2,368.4 feet, 

more or less, from Highway 58, at the Southwest corner of Lot 4; 

thence South 68 degrees 42 minutes East along the dividing line 

of Lots 4 and 5, a distance of 140 feet to a point; thence South 21 

degrees 18 minutes West, a distance of 90 feet to the Northwest 

corner of Lot 6; thence North 68 degrees 42 minutes West, along 

the dividing line of Lots 5 and 6, a distance of 85 feet to a point; 

thence South 21 degrees 18 minutes West, along the East line of 

an asphalt drive, a distance of 12 feet to a point; then continuing 

along the Southern line of said asphalt drive North 68 degrees 42 

minutes West, a distance of 22 feet to a point; thence North 48 

degrees 43 minutes East, a distance of 35.1 feet to the Southwest 

corner of Lot 5, said corner being the East line of Youngstown 

Road; thence North 21 degrees, 18 minutes East along the East 

line of Youngstown Road, a distance of 90 feet to the Point of 

Beginning. 

ALSO KNOWN AS: 3820 Youngstown Road, Chattanooga, 











property: Robert Stanard; Tayari Stanard 











HCH3T-3/16,3/23,3/30/12 





recorded June 12, 1987, at Book 3362, Page 547 in Offi ce of the 


Gary Gilreath and Alice A. Gilreath, conveying certain property 

therein described to FMLS, Inc. as Trustee for First Federal Savings 

and Loan Association of Chattanooga; and the undersigned, 


Trustee. 













Lot Eight-nine (89), London Forest Subdivision, as shown by plat 

of record in Plat Book 41, Page 345, in the Register’s Offi ce of 


Subject to restrictions of record in Book 3222, Page 580, in the 

Register’s Offi ce of Hamilton County, Tennessee. 

ALSO KNOWN AS: 1125 Steeplechase Drive, Chattanooga, 

Tennessee 37421-4400 










property: Gary Gilreath; Alice A. Gilreath; Bank of America; Bank 

of America NA 











HCH3T-3/16,3/23,3/30/12 




Tennessee pursuant to Deed of Trust executed by David L. Bacon 

and wife, Stephanie Bacon, to Wesley D. Turner, Trustee, on 

May 4, 2007 at Book GI 8353, Page 908; conducted by Shapiro & 



Owner of Debt: Citibank, N.A., as trustee for WaMu Series 2007- 

HE4 Trust 




The following described property located in the Third (3rd) Civil 

District of Hamilton County, Tennessee, to wit: Lot Twenty-One 

(21), Millwoode Estates Subdivision, as shown by plat recorded 

in Plat Book 34, Page 133 in the Register’s Offi ce of Hamilton 

County, Tennessee, to which plat reference is hereby made for a 

more particular description of said property. 

Street Address: 1613 Millwoode Lane, Soddy Daisy, Tennessee 

37379 

Parcel Number: 042-017.31 

Current Owner(s) of Property: David L. Bacon and wife, Stephanie 

Bacon 

The street address of the above described property is believed 

to be 1613 Millwoode Lane, Soddy Daisy, Tennessee 37379, but 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K10-011383 

HCH3T-3/16,3/23,3/30/12 



and conditions of a Deed of Trust dated August 11, 2005, executed 

by PHILLIP COOPER, CAROLYN LAWYER, conveying certain 

real property therein described to Larry A. Weissman, as Trustee, 

as same appears of record in the Register’s Offi ce of Hamilton 

County, Tennessee recorded August 15, 2005, in Deed Book 

GI7641, Page 364; and WHEREAS, the benefi cial interest of said 

Deed of Trust was last transferred and assigned to U.S Bank National 

Association, as Trustee, successor -in-interest to Wachovia 

Bank N.A., as Trustee for JP ALT 2005-S1 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 






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 April 10, 2012 at 11:00 AM at the 

Front Steps of the Hamilton County Courthouse , located in Chattanooga, 

Tennessee, proceed to sell at public outcry to the highest 

and best bidder for cash or certifi ed funds ONLY, the following 

described property situated in Hamilton County, Tennessee, to wit: 

LOCATED IN THE CITYOF CHATTANOOGA, HAMILTON COUN- 

TY, TENNESSEE: LOTS ONE (1) AND TWO (2), BLOCK NO. 

FORTY-TWO (42), ORCHARD KNOB, THE MCCALLIE AVENUE 

LAND AND IMPROVEMENT COMPANY`S FIRST ADDITION, 

AS SHOWN BY PLAT RECORDED IN PLAT BOOK 1, PAGE 

41, OF THE REGISTER`S OFFICE OF HAMILTON COUNTY, 

TENNESSEE. FOR PRIOR TITLE AND LAST INSTRUMENT 

OF RECORD AFFECTING TITLE TO THE AVOVE DESCRIBED 

PROPERTY, SEE DEED RECORDED IN BOOK 6397, PAGE 

587, IN THE SAID REGISTER`S OFFICE. SUBJECT TO ANY 

GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES 

AND REGULATIONS IN EFFECT THEREON. Parcel ID: 146 KC 

001 PROPERTY ADDRESS: The street address of the property is 

believed to be 2000 Vine Street, Chattanooga, TN 37404. 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): CHARLIE LAKE, LLC OTHER INTERESTED 

PARTIES: JP Morgan Chase Bank N.A. fka WAMU, MORTGAGE 

ELECTRONIC REGISTRATION SYSTEMS, INC., acting solely as 

nominee for SUNTRUST MORTGAGE, INC. PHILLIP COOPER, 

CAROLYN LAWYER 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 fi xture fi ling; 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 confi rmation 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 fi tness for a particular use or purpose. THIS LAW 

FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMA- 

TION 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: (877) 813-0992 Fax: (404) 601-5846 Ad 

#22984: 2012-03-16 2012-03-23, 2012-03-30 



and conditions of a Deed of Trust dated April 30, 2008, executed 

by Derrick L. Griggs and Shelah F. Griggs, conveying certain 

real property therein described to Charles E. Tonkin, II., a County 

resident, as Trustee, as same appears of record in the Register’s 

Offi ce of Hamilton County, Tennessee recorded May 1, 2008, in 

Deed Book GI 8655, Page 621; and WHEREAS, the benefi cial 


BANK OF AMERICA, N.A., SUCCESSOR BY MERGER 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 as Substitute Trustee by 

instrument to be fi led for record in the Register’s Offi ce 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 April 17, 2012 at 11:00 AM at the Front Steps 

of the Hamilton County Courthouse , located in Chattanooga, 

Tennessee, proceed to sell at public outcry to the highest and best 

bidder for cash or certifi ed funds ONLY, the following described 

property situated in Hamilton County, Tennessee, to wit: IN THE 

SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNES- 

SEE: LOT THIRTY-SEVEN (37), HARVEST GATE SUBDIVISION. 

LOTS 28-62, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 


COUNTY, TENNESSEE. FOR PRIOR TITLE, SEE WARRANTY 

DEED FROM A & M CONSTRUCTION, INC., A TENNESSEE 

CORPORATION, TO MICHAEL K. PARKER, AN UNMARRIED 

PERSON, DATED SEPTEMBER 30, 2005 AND RECORDED 

IN BOOK 7704, PAGE 795, IN THE REGISTER`S OFFICE OF 

HAMILTON COUNTY, TENNESSEE. THIS CONVEYANCE MADE 

SUBJECT TO THE FOLLOWING: RESTRICTIVE COVENANTS 

ON HARVEST GATE SUBDIVISION RECORDED IN BOOK 


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. FIFTEEN (15) FOOT POWER AND COMMUNICA- 

TION EASEMENT AS SHOWN, DESCRIBED OR NOTED ON 

RECORDED PLAT. TEN (10) FOOT DRAINAGE 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. ANY GOVERN- 

MENTAL ZONING AND SUBDIVISION ORDINANCES IN EFFECT 

THEREON. ALL NOTES, STIPULATIONS, RESTRICTIONS, 

EASEMENTS, CONDITIONS, AND REGULATIONS AS SHOWN, 

DESCRIBED OR NOTED ON RECORDED PLAT. Parcel ID: 112K 

G 014 PROPERTY ADDRESS: The street address of the property 

is believed to be 6251 Rim Ridge Court, 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): Derrick L. Griggs, Shelah F. Griggs 

OTHER INTERESTED PARTIES: Portfolio Recovery Associates 

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 

















LLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, 

TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 

813-0992 Fax: (404) 601-5846 Ad #23025: 2012-03-16 2012-03- 

23, 2012-03-30 

Legal Ad 

Notice is hereby given that the County Board of Commissioners 

will hold a public hearing in the Hamilton County Courthouse, 

Room 402, at 9:30 am, Wednesday, April 18, 2012, when consideration 

will be given to the following rezoning request: 

2008-215 Don Walker requests rezoning from A-1 Agricultural 

District R-2A Rural Residential District & C-2 Local Business Commercial 

District to RT-1 Residential Townhouse District, a tract of 

land located in the 1100 Block of Hurricane Creek Road. An uplatted 

tract of land located in the 1100 Block of Hurricane Creek Road 

being described as Tract 1, Deed Book 8703, Page 763, ROHC. 

Tax Map 171C-E-005. 

2012-029 Julian Bell requests rezoning from A-1 Agricultural 

District to RT-1 Residential Townhouse District, property located 

at 7023 Hixson Pike. An unplatted tract of land located at 7023 

Hixson Pike being a part of the property described in Deed Book 

9087, Page 184, and Deed Book 5869, Page 646, ROHC. Tax 

Map 092-062. 

The cases can be viewed at the Regional Planning Agency Offi ce, 

Development Resource Center, Suite 2000, 1250 Market Street, 

Monday-Friday, 8:00 a.m. - 4:30 p.m. 

John Bridger, Executive Director 

Chattanooga-Hamilton County Regional Planning Agency 

HCH1T-3/16/12 



time, at the West door, Hamilton County Courthouse, Chattanooga, 

Tennessee pursuant to Deed of Trust executed by Holly A. 

Wilson and Bruce A. Wilson, to Robert M. Wilson, Jr., Trustee, 

on November 30, 2006 at Book GI 8169, Page 968; conducted 

by Shapiro & Kirsch, LLP Substitute Trustee, all of record in the 

Hamilton County Register’s Offi ce. 

Holder: Bank of America, N.A., successor by merger to BAC Home 

Loans Servicing, LP FKA Countrywide Home Loans Servicing, LP 




The following described property in the First (1st) Civil District of 

Hamilton County, Tennessee, to wit: Lot Two (2), Meadow Lane 

Subdivision, of record in Plat Book 73, Page 97, Register’s Offi ce 

for said County, to which plat reference is hereby made for a more 

complete description. Subject to Agreement of Joint Driveway use 

and Maintenance as noted by dotted line of record in Plat Book 73, 

Page 97, in the Hamilton County Register’s Offi ce. 

Street Address: 3918 Meadow Lane, Chattanooga, Tennessee 

37406 

Parcel Number: 128G-D-017.01 

Current Owner(s) of Property: Bruce A. Wilson and wife, Holly A. 

Wilson 


be 3918 Meadow Lane, Chattanooga, Tennessee 37406, 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 




been met. 



















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-024189 

HCH3T-3/9,3/16,3/23/12 



and conditions of a Deed of Trust dated June 30, 2005, executed 

by SABRINA UPSHAW AND REGGIE UPSHAW, conveying 

certain real property therein described to WESLEY D. TURNER, 

as Trustee, as same appears of record in the Register’s Offi ce of 

Hamilton County, Tennessee recorded August 5, 2005, in Deed 

Book GI 7629, Page 351; and WHEREAS, the benefi cial interest 

of said Deed of Trust was last transferred and assigned to ARCA- 

DIAN RESIDENTIAL VALUE FUND A, LLC who is now the owner 


required pursuant to T.C.A.§ 35-5-117, was given in accordance 









upon said Substitute Trustee will, on March 29, 2012 at 11:00 AM 

at the HAMILTON County courthouse door where the foreclosure 

sales are customarily held at the HAMILTON Courthouse, located 




to wit: BEING LOT NINE (9), KENMOOR THIRD UNIT, AS 

SHOWN BY PLAT OF RECORD IN PLAT BOOK 23, PAGE 44, IN 


SEE. BEING THE SAME PROPERTY CONVEYED TO GARY 

A. BLABON AND WIFE, DEIRDRE T. BLABON, BY WARRANTY 

DEED FROM EDWARD E. CRITTENDEN AND WIFE, JUDITH S. 

CRITTENDEN, DATED AUGUST 11, 2000 AND RECORDED AU- 

GUST 14, 2000 IN BOOK 5658, PAGE 355, IN THE REGISTER`S 

OFFICE FOR HAMILTON COUNTY, TENNESSEE. Parcel ID: 

158LA008 PROPERTY ADDRESS: The street address of the property 

is believed to be 7311 KENMOOR DRIVE, 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): SABRINA UPSHAW, 

REGGIE UPSHAW OTHER INTERESTED PARTIES: Long Beach 

Mortgage Company, REGGIE UPSHAW, Internal Revenue Service 

(TN) The sale of the above-described property shall be subject 
















for a particular use 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 8574, Page 1. 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 




813-0992 Fax: (404) 601-5846 Ad #22558: 2012-03-09 2012-03- 

16, 2012-03-23 



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 Offi ce of Hamilton County, Tennessee 

recorded June 4, 2008, in Deed Book GI 8683, Page 187; 

and WHEREAS, the benefi cial interest of said Deed of Trust 

was last transferred and assigned to BANK OF AMERICA, N.A., 

SUCCESSOR BY MERGER TO BAC HOME LOANS SERVIC- 

ING, 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 as Substitute Trustee by instrument to be fi led for record 

in the Register’s Offi ce 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 April 

3, 2012 at 11:00 AM at the Front Steps of the Hamilton County 

Courthouse , located in Chattanooga, Tennessee, proceed to sell 

at public outcry to the highest and best bidder for cash or certifi ed 

funds ONLY, the following described property situated in Hamilton 

County, Tennessee, to wit: PARCEL ID#: 136L G 035 LOCATED 

IN THE CITY OF CHATTANOOGA, HAMILTON 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, TENNESSEE, AND DESCRIBED AS FOL- 

LOWS: 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 SOUTHWARDLY 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 

OFFICE OF HAMILTON COUNTY, TENNESSEE; THENCE 

EASTWARDLY ALONG THE NORTH LINE OF SAID R.C. SMITH 

TRUSTEE, LOT 130 FEET TO THE POINT OF BEGINNING TO 

WHICH PLAT SPECIFIC 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, TEN- 

NESSEE. 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 REGULATIONS IN EFFECT THEREON. ALL APPLICABLE 

CONDITIONS, RESTRICTIONS, RESERVATIONS, EASEMENTS, 

ETC., AS SHOWN ON RECORDED PLAT. Parcel ID: 136L G 

035 PROPERTY ADDRESS: The street address of the property 

is believed to be 1705 Stanfi el 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): Estate of Mary Hambrick OTHER 

INTERESTED PARTIES: City of Chattanooga , Portfolio Recovery 

Associates LLC. , ATTENTION FUNDING & TRUST, Secretary of 

Housing and Urban Development Mary M. Hambrick 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 fi xture fi ling; 

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 confi rmation by the lender or Substitute Trustee. 

This sale may be rescinded at any time. The right is reserved to 



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 fi tness for a particular 

use 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: (877) 813-0992 Fax: 

(404) 601-5846 Ad #22613: 2012-03-09 2012-03-16, 2012-03-23 




Tennessee pursuant to Deed of Trust executed by Carl H. Layne, 

Jr., a/k/a Carl Houston Layne, Jr., and wife, Victoria M. Layne, 

as Trustees of the Carl and Victoria Layne Family Trust, to Pioneer 

Title Agency, Inc., Trustee, on April 19, 2006 at Book GI 7917, 

Page 308; conducted by Shapiro & Kirsch, LLP Substitute Trustee, 

all of record in the Hamilton County Register’s Offi ce. 

Holder: PHH Mortgage Corporation 




Described property located in the Second (2nd) Civil District of 

Hamilton County, Tennessee, more particularly described as follows: 

Being part of the Northeast Quarter of Section 34, Township 

3, Range 3, West of the Basis Line in the Ocoee District, and being 

more particularly described as follows: Beginning at a stake and 

pile of stones in the Eastern line of said Section; thence North 

23 degrees 30 minutes East along said Section line 717 feet to 

a post; thence North 65 degrees 30 minutes West 224 feet to a 

tree; thence North 21 degrees 50 minutes East 153 feet to a 12 

inch Chestnut Oak and an iron rod; thence approximately North 

39 degrees West 835 feet, more or less, to a point in the Western 

line of property conveyed by deed to Bettis recorded in Book 1066, 

Page 378, in the Register’s Offi ce of Hamilton County, Tennessee; 

thence approximately South 16 degrees West along the Western 

line of the Bettis property 1265 feet, more or less, to a point in 

the dividing line between the Northeastern and Southeastern 

quarters of said section; thence along said dividing line South 66 

degrees 30 minutes East 825 feet, more or less, to the point of 

beginning. LESS AND EXCEPT that part of the above described 

property lying within the bounds of the roadway as shown on said 

survey. ALSO EXCEPTING rights of others in right of way as may 

have been contained in Chancery Cause No. 32910 as set out 

in Deed of Acquisition recorded in Book 7867, Page 234, in the 

Register’s Offi ce of Hamilton County, Tennessee. TOGETHER 

WITH Driveway Agreement as set out in Book 4776, Page 38, in 

the Register’s Offi ce of Hamilton County, Tennessee. Subject to 

Easement Agreement as set out in Book 5855, Page 800 and in 


Tennessee. Subject to rights of others in right of way as may have 

been contained in Chancery Cause No. 32910 as set out in Deed 

of Acquisition recorded in Book 7867, Page 567, in the Register’s 

Offi ce of Hamilton County, Tennessee. Subject to Driveway Agreement 

as set out in Book 4776, Page 38, in the Register’s Offi ce of 


Street Address: 10039 Birchwood Pike, Harrison, Tennessee 

37341 

Parcel Number: 077-005 

Current Owner(s) of Property: Carl H. Layne, Jr., and Victoria M. 

Layne, in trust, as Trustees of the Carl and Victoria Layne Family 

Trust 

Other interested parties: Regency Finance 


be 10039 Birchwood Pike, Harrison, Tennessee 37341, but such 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K10-001688 

HCH3T-3/9,3/16,3/23/12 




Tennessee pursuant to Deed of Trust executed by Barry Scott 

Huddleston, also known as Barry S. Huddleston in deed of 

acquisition, to Title Services of Tennessee, Trustee, on June 29, 

2007 at Book GI 8399, Page 707; conducted by Shapiro & Kirsch, 

LLP Substitute Trustee, all of record in the Hamilton County 


Owner of Debt: Ocwen Loan Servicing, LLC 





Hamilton County, Tennessee, to wit: Tract One (1): Lot Eleven 

(11), and the North seven (7) feet to the West ninety (90) feet of 

Lot Twelve (12), Block One (1), Chatwood Subdivision as shown 

by plat recorded in Plat Book 15, Page 5 in the Register’s Offi ce of 

Hamilton County, Tennessee. According to said plat, said lot and 

part of lot are described as follows: Beginning at the Northwestern 

corner of Lot 11, at the intersection of the Eastern line of Choate 

Road, with the Southern line of Pike Drive; thence Eastwardly 

along the Southern line of Pike Drive 159.22 feet to the Northwestern 

corner of Lot 10 in said block; thence Southwardly along the 

line dividing Lots 10 and 11, 69.58 feet to the Northeastern corner 

of Lot 12; thence Westwardly along the line dividing Lots 11 and 

12, 67.49 feet; thence South 26 degrees 08 minutes West 7 feet; 

thence North 66 degrees 25 minutes West 90 feet to the Eastern 

line of Choate Road; thence Northwardly along the Eastern line 

of Choate Road 76.51 feet to the beginning. Tract Two (2): The 

North Seven (7) feet of the East 67.49 feet, more or less, of Lot 

Twelve (12), Block One (1), Chatwood Subdivision, as shown by 

plat recorded in Plat Book 15, Page 5, in the Register’s Offi ce of 

Hamilton County, Tennessee. Street Address: 1400 Choate Rd, 

Chattanooga, Tennessee 37412 

Parcel Number: 169G-H-013 

Current Owner(s) of Property: Barry S. Huddleston 


be 1400 Choate Rd, Chattanooga, Tennessee 37412, but such 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-027425 

HCH3T-3/9,3/16,3/23/12 



terms, and conditions of a Deed of Trust Note dated May 


recorded May 20, 2003, at Book GI 6678, Page 787 in Offi ce of 


by Fred E. Leonard and Carolyn J. Leonard, conveying certain 

property therein described to Arnold M. Weiss, Esq., Shelby 

County,TN as Trustee for Wells Fargo Home Mortgage, Inc.; and 

the undersigned, Wilson & Associates, P.L.L.C., having been appointed 














Lot One Hundred Sixty-nine (169), Sterling Park, Unit Five (5), as 

shown by plat of record in Plat Book 26, Page 63, in the Register’s 

Offi ce of Hamilton County, Tennessee. 

ALSO KNOWN AS: 6948 Love Lane, Hixson, Tennessee 

37343-2977 










property: Estate of Fred Leonard; Heir of Leonard; Fred E. 

Leonard; Carolyn J. Leonard; Regions Bank; Tennessee Housing 

Development Agency; Penny Rae Leonard; Shannon C. Carroll 






DATED February 27, 2012 





HCH3T-3/9,3/16,3/23/12 





recorded May 2, 2011, at Book GI 9394, Page 121 in Offi ce of 


by Aaron J. Shinn, conveying certain property therein described 

to NO TRUSTEE ON DEED OF TRUST as Trustee for Edward 

Jones Mortgage, LLC.; and the undersigned, Wilson & Associates, 

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













Lots 163 Lupton City Subdivision, being a subdivision of a portion 

of the property of Dixie Mercerizing Company, as shown by plat 

recorded in Plat Book 18, Page 74, in the Register’s Offi ce of 


ALSO KNOWN AS: 1456 Mercer Street, Lupton City, Tennessee 

37351-0408 










property: Aaron J. Shinn 









FHA No. 481-3313037 



HCH3T-3/9,3/16,3/23/12 




January 3, 2003, and the Deed of Trust of even date securing the 

same, recorded January 28, 2003, at Book GI 6523, Page 31 in 


executed by Paul J. Oliver and Jennifer D. Oliver, conveying 

certain property therein described to Insured Title Agency, Inc. as 

Trustee for Compass Mortgage, Inc.; and the undersigned, Wilson 

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













Located in the third civil district of Hamilton County, Tennessee. 

Being lot two, of the Thomas L. Oliver subdivision as shown on 

plat recorded in plat book 70, page 6. 

ALSO KNOWN AS: 2425 Leggett Road, Sale Creek, Tennessee 

37373-9520 










property: Paul J. Oliver; Jennifer D. Oliver; Kastle Home Builders, 

Inc.; Benchmark Resources Corporation; Gentry Corporation; 

Sunrise Holdings, Inc 









FHA No. 481-2339202-703 



HCH3T-3/9,3/16,3/23/12 





recorded July 15, 2003, at Book GI 6760, Page 505 in Offi ce of 


by Joseph Michael Houston a/k/a J. Michael Houston and 

Susan D. Houston, conveying certain property therein described 

to Accurate Title & Escrow, Inc. as Trustee for Centex Home 

Equity Company, LLC; and the undersigned, Wilson & Associates, 

















Lot Twelve Ridge Bay Subdivision as shown by plat of record in 

Plat Book 26, page 166, Register’s Offi ce of Hamilton County, 

Tennessee. 

ALSO KNOWN AS: 7707 Ridge Bay Drive, Hixson, Tennessee 

37343 










property: Joseph Michael Houston a/k/a J. Michael Houston; 

Susan D. Houston; Tanikia Lee; Tanikia Lee 











HCH3T-3/9,3/16,3/23/12 





recorded March 9, 2006, at Book GI 7867, Page 804 in Offi ce of 


by Derek Bartley and Laura Bartley, conveying certain property 

therein described to Century Title & Escrow, Inc. as Trustee for 

Mortgage Electronic Registration Systems, Inc. as nominee for 

Wilmington Finance Inc. and Wilmington Finance Inc’s successors 















Lot 36, Hampton Creek Townhomes, of record in Plat Book 79, 

Page 141, in the Register’s Offi ce of Hamilton County, Tennessee. 

ALSO KNOWN AS: 8253 Double Eagle Court, Ooltewah, Tennessee 

37363 










property: Derek Bartley; Laura Bartley 











HCH3T-3/9,3/16,3/23/12 




August 22, 2003, and the Deed of Trust of even date securing the 

same, recorded August 29, 2003, at Book GI 6833, Page 770 in 


executed by Steve O Phillips and Sharon J Phillips, conveying 

certain property therein described to Arnold M Weiss, Attorney as 

Trustee for Mortgage Electronic Registration System, INC.as nominee 

for Americas Wholesale Lender; and the undersigned, Wilson 














Lot Eleven (11), Block G, Norcross Hills Subdivision, as shown by 

plat of record in Plat Book 21, Page 98, in the Register’s Offi ce of 


ALSO KNOWN AS: 1303 Tabitha Drive, Hixson, Tennessee 

37343 










property: Steve O Phillips; Sharon J Phillips; Countrywide Home 

Loans, Inc. MERS; Mortgage Electronic Registration Systems, 

Inc., as nominee for Countrywide Home Loans, Inc.; Bank of 

America 











HCH3T-3/9,3/16,3/23/12 







Joan C. King a/k/a Joan Cotter King and Steven C. King, conveying 

certain property therein described to Trste II, Inc. as Trustee 


for Wachovia Mortgage Corporation, its successors and assigns; 















Located in the Second Civil District of Hamilton County, Tennessee: 

Lot Ninety One, Lakeshore Heights, Unit Six, as shown by 

plat of record in Plat Book 26, page 169. 

ALSO KNOWN AS: 5901 Hickory Hill Drive 

fka 6019 Shady Way Lane, Chattanooga, Tennessee 37416-1104 










property: Joan C. King a/k/a Joan Cotter King; Steven C. King 









FHA No. 4812570580 



HCH3T-3/9,3/16,3/23/12 



terms, and conditions of a Deed of Trust Note dated August 


recorded August 30, 2005, at Book GI 7658, Page 286 in Offi ce of 


by Fallon B. Garrett, conveying certain property therein described 

to Trste II, Inc. as Trustee for Mortgage Electronic Registration 

Systems, Inc. as nominee for Wachovia Mortgage Corporation, its 

successors and assigns; and the undersigned, Wilson & Associates, 














In the City of Chatanooga, Hamilton County, Tennessee: Lot One 

(1), Joseph Addition No. One (1), as shown by Plat recorded in 

Book 778, Page 364. 

ALSO KNOWN AS: 711 Belvoir Avenue, East Ridge, Tennessee 

37412 










property: Fallon B. Garrett; SunTrust Bank 











HCH3T-3/9,3/16,3/23/12 




January 31, 2008, and the Deed of Trust of even date securing the 

same, recorded February 4, 2008, at Book GI 8582, Page 248 in 


executed by Mary F. Firth, conveying certain property therein described 

to Milligan Reynolds Guaranty Title Agency, Inc. as Trustee 


for EverBank, its successors and assigns; and the undersigned, 


Trustee. 













In the City of Chattanooga, Hamilton County, Tennessee: Lot Thirty 

one, Block Twenty eight, Map Number One, North Chattanooga, 

property of the Chattanooga Land, Coal and Railway Company 

ALSO KNOWN AS: 1012 Fairmount Avenue, Chattanooga, 











property: Mary F. Firth 









FHA No. 481-2675082 



HCH3T-3/9,3/16,3/23/12 







by Jan Edward Rodriguez and Linda T. Rodriguez, conveying 

certain property therein described to Wesley D. Turner as Trustee 

for Ameriquest Mortgage Company; and the undersigned, Wilson 














Lot Number Ninety Nine, Midfi eld Acres, Unit Number Three, as 

shown by plat of record in Plat Book 25, page 24, in the Register’s 


ALSO KNOWN AS: 7327 Edgefi eld Drive, Chattanooga, Tennessee 

37421 










property: Jan Edward Rodriguez; Linda T. Rodriguez 











HCH3T-3/9,3/16,3/23/12 



terms, and conditions of a Deed of Trust Note dated December 

7, 2007, and the Deed of Trust of even date securing the 

same, recorded December 12, 2007, at Book GI 8542, Page 929 

in Offi ce of the Register of Deeds for Hamilton County, Tennessee, 

executed by George Terry Haupt, Jr., conveying certain property 

therein described to Gateway Title-Chattanooga as Trustee for 

Mortgage Electronic Registration Systems, Inc. as nominee for 

United Capital Mortgage; and the undersigned, Wilson & Associates, 














Located in the city of Chattanooga, Hamilton county, Tennessee: 

Lot Twenty Two A (22-A), Engleton Heights, as shown on plat of 

record in Plat Book 84, Page 56, in the Register’s Offi ce of Hamilton 

county, Tennessee. 

ALSO KNOWN AS: 1042 Thelmeta Avenue, Chattanooga, Tennessee 

37421 










property: George Terry Haupt, Jr. 











HCH3T-3/9,3/16,3/23/12 




February 22, 2008, and the Deed of Trust of even date securing 

the same, recorded February 28, 2008, at Book GI 8600, Page 

647 in Offi ce of the Register of Deeds for Hamilton County, Tennessee, 

executed by Bridget Stafford, conveying certain property 

therein described to Realty Title & Escrow Company as Trustee 

for Mortgage Electronic Registration Systems, Inc., as nominee 

for iFreedom Direct Corporation, its successors and assigns; and 















Land in Second Civil District of Hamilton County, Tennessee, being 

Lot Number Four Hundred Sixty-two (462) on the plan of Hamilton 

on Hunter Subdivision, Phase Eight (8), of record in Plat Book 60, 

Pages 50 thru 54, as Revised in Plat Book 61, Page 363. 

ALSO KNOWN AS: 10333 Baker Boy Drive, Ooltewah, Tennessee 

37363 










property: Bridget Stafford; JPMorgan Chase Bank, NA; Mortgage 

Electronic Registration Systems, Inc as nominee for JPMorgan 

Chase Bank, NA 









VA No. 20-20-6-0547004 



HCH3T-3/9,3/16,3/23/12 




December 27, 2006, and the Deed of Trust of even date securing 

the same, recorded December 29, 2006, at Book GI 8197, Page 


executed by A. D. Ringer and Bettie Ringer, conveying 

certain property therein described to Old Republic National Title 

Insurance Company as Trustee for Mortgage Electronic Registration 

Systems, Inc, as nominee for Fremont Investment & Loan, its 















Located in the City of Chattanooga, Hamilton County, Tennessee: 

Lots 3 and 4, Block 24, Missionary Heights, as shown by plat 

recorded in Plat Book 5, Page 29.. 

ALSO KNOWN AS: 2008 Windsor Street, Chattanooga, Tennessee 

37406 










property: A. D. Ringer; Bettie Ringer; Unknown Heirs Rubye 

McConnell 











HCH3T-3/9,3/16,3/23/12 

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 21, 2008, executed 

by ANTHONY L HOLLIS AND REBA J HOLLIS, HUSBAND AND 

WIFE, conveying certain real property therein described to JO- 

SEPH B PITT, JR as same appears of record in the Register’s Offi 

ce of Hamilton County, on December 1, 2008, as Instrument No. 

2008120100001, in Book GI 8807, at Page 200; see also Scrivener’s 

Affi davit at Instrument #2010121600100, Book GI 9311, page 

865 and WHEREAS, the benefi cial interest of said Deed of Trust 


SUCCESSOR BY MERGER 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 (“Notice”) was given in compliance with Tennessee 

law by the mailing a copy of the Notice to the parties at least sixty 

(60) days prior to the fi rst publication of the Substitute Trustee’s 




Sale. WHEREAS, the undersigned, RECONTRUST COMPANY, 

N.A., having been appointed by as Substitute Trustee by instrument 

fi led for record in the Register’s Offi ce of Hamilton County, 

Tennessee NOW, THEREFORE, notice is hereby given that the 

entire indebtedness has been declared due and payable, and that 

the undersigned, RECONTRUST COMPANY, N.A., as Substitute 

Trustee or its duly appointed agent, by virtue of the power, duty 

and authority vested and imposed upon said Substitute Trustee 

will, on March 30, 2012, 2:00 PM at the Hamilton County courthouse 

door where the foreclosure sales are customarily held On 

the front steps of the West Side Entrance of the Hamilton County 

Courthouse, 615 Walnut St., Chattanooga, TN, proceed to sell at 

public outcry to the highest and best bidder for cash, 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 Lots 98, 99 

and part of Lot 100, Sylvan Hills as shown by plat recorded in 

Plat Book 7, Page 35, in the Register’s Offi ce, Hamilton County, 

Tennessee, being more particularly described as follows: Beginning 

at an iron pin on the southern right of way of Gillespie Road; 

thence southwesterly along a fence line 102.7 feet to an old iron 

pin on the eastern right of way of East Hillside Drive (unopened); 

thence northerly along said eastern right of way 136 feet to a point 

in the beginning of a curve; thence easterly along the curve of the 

intersection of the right of way of East Hillside Drive with the right 

of way of Gillespie Road 30 feet more or less, to a point; thence 

southeasterly along said southern right of way of Gillespie Road 

126 feet to the Point of Beginning, being the same property shown 

on survey by David Mathews Surveying Company dated October 

17, 1985, identifi ed as Job No. 3761265, being improved property 

known as 818 Gillespie Road. Reference is made for prior title by 

deeds recorded in Book 1262, Page 592, and in Book 1405, Page 

155, said Register’s Offi ce. PARCEL#147 JB 003 PROPERTY 


818 GILLESPIE 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): ANTHONY L. HOLLIS AKA ANTHONY 

LEBRON HOLLIS AND REBA JEAN HOLLIS OTHER INTEREST- 

ED PARTIES: N/A 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 fi xture fi ling; 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 confi rmation 

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, 




POSE. RECONTRUST COMPANY, N.A., Substitute Trustee 2380 




(865) 342-3522 TS#: 10-0035283 FEI # 1006.151816 03/09/2012, 

03/16/2012, 03/23/2012 


default has occurred in the performance of the covenants, 

terms and conditions of a Deed of Trust dated March 7, 2003, 

executed by JERRY HERBERT GINN AKA JERRY H GINN JR, 

AN UNMARRIED PERSON, conveying certain real property 

therein described to PRLAP, INC as same appears of record in 

the Register’s Offi ce of Hamilton County, on March 31, 2003, as 

Instrument No. 2003033100196, in Book GI6603, at Page 439; 

and WHEREAS, the benefi cial interest of said Deed of Trust 

was last transferred and assigned to U.S. BANK NATIONAL 

ASSOCIATION, AS TRUSTEE FOR THE CERTIFICATEHOLD- 

ERS OF BANC OF AMERICA FUNDING CORPORATION 

2009-FT1 TRUST, MORTGAGE PASS-THROUGH CERTIFI- 

CATES, SERIES 2009-FT1, who is now the owner of said debt; 

and WHEREAS, Notice of the Right to Foreclose(“Notice”) was 

given in compliance with Tennessee law by the mailing a copy 

of the Notice to the parties at least sixty (60) days prior to the 

fi rst publication of the Substitute Trustee’s Sale. WHEREAS, 

the undersigned, RECONTRUST COMPANY, N.A., having been 

appointed by as Substitute Trustee by instrument fi led for record 




RECONTRUST COMPANY, N.A., as Substitute Trustee or its 



2, 2012, 2:00 PM at the Hamilton County courthouse door where 

the foreclosure sales are customarily held On the front steps of 

the West Side Entrance of the Hamilton County Courthouse, 615 

Walnut St., Chattanooga, TN, proceed to sell at public outcry to the 

highest and best bidder for cash, the following described property 

situated in Hamilton County, Tennessee, to wit: LOT NO. TWO 

(2), ANDREA HEIGHTS SUBDIVISION, AS SHOWN BY PLAT OF 

RECORD IN PLAT BOOK 27, PAGE 141, IN THE REGISTER’S 

OFFICE OF HAMILTON COUNTY, TENNESSEE. PARCEL # 

134 M E 020 PROPERTY ADDRESS: The street address of the 

property is believed to be 1213 ANDREA DR, CHATTANOOGA, 

TN 37419-1101. In the event of any discrepancy between this 


description shall control. CURRENT OWNER(S): JERRY H GINN 

JR AKA JERRY HERBERT GINN AKA JERRY H GINN AKA 

JERRY HERBERT GINN JR. OTHER INTERESTED PARTIES: 

1) UNITED STATES OF AMERICA, DEPT. OF THE TREASURY, 

INTERNAL REVENUE SERVICE 2) AMSOUTH BANK 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 fi xture fi ling; 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 confi rmation 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 fi tness for a 

particular use 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 against JERRY H GINN JR in the amount 

of $6,220.55 recorded in Instrument Number 2010011500070 

as Book GI 9094 at Page 796. Notice of the sale has been given 

to the UNITED STATES OF AMERICA in accordance with 26 

U.S.C. 7425(b). RECONTRUST COMPANY, N.A. IS ATTEMPTING 


USED FOR THAT PURPOSE. RECONTRUST COMPANY, N.A., 

Substitute Trustee 2380 Performance Dr, TX2-984-0407 Richardson, 

TX 75082 Tel: (800) 281-8219 Fax: (866) 681-5002 Registered 

Agent: CT Corporation System 800 South Gay Street, Suite 

2021 Knoxville, TN 37929 Tel: (865) 342-3522 TS#: 12-0000735 

FEI # 1006.153617 03/09/2012, 03/16/2012, 03/23/2012 

NOTICE OF SUBSTITUTE TRUSTEE’S SALE WHEREAS, default 


conditions of a Deed of Trust dated March 30, 2009, executed by 

STACI D TIPTON, UNMARRIED, conveying certain real property 

therein described to MATT B. MURFREE as same appears of 

record in the Register’s Offi ce of Hamilton County, on March 30, 

2009, as Instrument No. 2009033000244, in Book GI8890, at Page 

19; and WHEREAS, the benefi cial interest of said Deed of Trust 


SUCCESSOR BY MERGER 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 (“Notice”) was given in compliance with Tennessee 

law by the mailing a copy of the Notice to the parties at least sixty 

(60) days prior to the fi rst publication of the Substitute Trustee’s 

Sale. WHEREAS, the undersigned, RECONTRUST COMPANY, 

N.A., having been appointed by as Substitute Trustee by instrument 

fi led for record in the Register’s Offi ce of Hamilton County, 

Tennessee, as Instrument No. 2012021000073, in Book GI 9572, 

at Page 504. NOW, THEREFORE, notice is hereby given that the 

entire indebtedness has been declared due and payable, and that 

the undersigned, RECONTRUST COMPANY, N.A., as Substitute 

Trustee or its duly appointed agent, by virtue of the power, duty 

and authority vested and imposed upon said Substitute Trustee 

will, on April 2, 2012, 2:00 PM at the Hamilton County courthouse 

door where the foreclosure sales are customarily held On the 

front steps of the West Side Entrance of the Hamilton County 

Courthouse, 615 Walnut St., Chattanooga, TN, proceed to sell at 

public outcry to the highest and best bidder for cash, the following 


wit: LOT FOURTEEN (14), OAK SHADOWS SUBDIVISION, UNIT 

ONE (1), AS SHOWN BY PLAT RECORDED IN PLAT BOOK 

34, PAGE 10, IN THE REGISTER’S OFFICE OF HAMILTON 

COUNTY, TENNESSEE. PARCEL # 150P-C-040 PROPERTY 


2512 ALLEGHENY DRIVE, CHATTANOOGA, TN 37421. In the 

event of any discrepancy between this street address and the 


CURRENT OWNER(S): STACI D TIPTON 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 




with the express reservation that it is subject to confi rmation 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, 




POSE RECONTRUST COMPANY, N.A., Substitute Trustee 2380 




(865) 342-3522 TS#: 11-0150116 FEI # 1006.153769 03/09/2012, 

03/16/2012, 03/23/2012 


default has occurred in the performance of the covenants, 

terms and conditions of a Deed of Trust dated October 6, 2006, 

executed by PRISCILLA J THOMAS AND HUSBAND MICHAEL 

O THOMAS, conveying certain real property therein described to 

WARRANTY TITLE INSURANCE CO. as same appears of record 

in the Register’s Offi ce of Hamilton County, on October 17, 2006, 

as Instrument No. 2006101700091, in Book GI 8116, at Page 

888; and WHEREAS, the benefi cial 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 OF THE CWALT, INC., ALTERNA- 

TIVE LOAN TRUST 2006-39CB, MORTGAGE PASS-THROUGH 

CERTIFICATES, SERIES 2006-39CB, who is now the owner of 

said debt; and WHEREAS, Notice of the Right to Foreclose (“Notice”) 

was given in compliance with Tennessee law by the mailing 

a copy of the Notice to the parties at least sixty (60) days prior to 

the fi rst publication of the Substitute Trustee’s Sale. WHEREAS, 

the undersigned, RECONTRUST COMPANY, N.A., having been 

appointed by as Substitute Trustee by instrument fi led for record 




RECONTRUST COMPANY, N.A., as Substitute Trustee or its 



2, 2012, 2:00 PM at the Hamilton County courthouse door where 

the foreclosure sales are customarily held On the front steps 

of the West Side Entrance of the Hamilton County Courthouse, 

615 Walnut St., Chattanooga, TN, proceed to sell at public outcry 

to the highest and best bidder for cash, the following described 

property situated in Hamilton County, Tennessee, to wit: Certain 

real property situate in Chattanooga County of Hamilton County, 

Tennessee, to-wit: Lot 13 and the Eastern portion of Lot of Lot 12, 

Block A, Brainerd Park, as shown by plat recorded in Plat Book 10, 

page [ ], of Register’s Offi ce of Hamilton County, Tennessee, said 

lot and part of Lot forming one tract of land, particularly described 

as follows: BEGINNING at the Northeast corner of Lot No. 13 in 

the South line of Old Mission Boulevard; thence Westwardly along 

the South curved line of Old Mission Boulevard, 125.9 feet, more 

or less to a point midway between the Northwest corner and the 

Northeast corner of Lot 12; thence Southwardly along the centerline 

dividing the Eastern and Western halves of Lot No. 12, a distance 

of 69 feet; thence Westwardly at right angles a distance of 

4 feet; thence Southwardly parallel with and 4 feet, Westwardly of 

the centerline dividing the Eastern and Western halves of Lot No. 

12, a distance of 87 feet, more or less, to a point in the Southwest 

line of said Lot 12; thence Southeast along the Southwest line of 

Lot 12, a distance of 16.5 feet to the common Southern corner of 

Lot 12 and 13; thence Eastwardly along the Southern line of Lot 

No. 13 a distance of 14 feet to the Southwestern corner of Lot No. 

14; thence Northwardly along the line dividing Lots No. 14 and 13, 

a distance of 170 feet to the beginning point. PARCEL # 157K-J- 

011.00 PROPERTY ADDRESS: The street address of the property 

is believed to be 5522 OLD MISSION RD, 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): PRISCILLA THOMAS 

AKA PRISCILIA J. THOMAS AKA PRISCILLA J. THOMAS and 

MICHAEL O. THOMAS OTHER INTERESTED PARTIES: GAULT 

FINANCIAL, LLC ASSIGNEE OF CITIBANK EXXONMOBIL 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 fi xture fi ling; 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 confi rmation 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 fi tness for 

a particular use or purpose. RECONTRUST COMPANY, N.A. IS 

ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OB- 

TAINED WILL BE USED FOR THAT PURPOSE.. RECONTRUST 

COMPANY, N.A., Substitute Trustee 2380 Performance Dr, TX2- 

984-0407 Richardson, TX 75082 Tel: (800) 281-8219 Fax: (866) 

681-5002 Registered Agent: CT Corporation System 800 South 

Gay Street, Suite 2021 Knoxville, TN 37929 Tel: (865) 342-3522 

TS#: 12-0000996 FEI # 1006.152560 03/09/2012, 03/16/2012, 

03/23/2012 

NOTICE OF FORECLOSURE SALE 

WHEREAS, default having been made in payment of the debts 

and obligations secured by that certain Deed of Trust dated July 

31, 2009 of record in Trust Deed Book 8992, Page 870-878, in 

the Register’s Offi ce of Hamilton County, Tennessee and by that 

certain Deed of Trust dated September 28, 2009 of record in Trust 

Deed Book 9029, Page 494-502, in the Register’s Offi ce of Hamilton 

County, Tennessee (collectively the ”Deeds of Trust”), PAME- 

LA R. AMMONS and BARON AMMONS (collectively ”Grantor”) 

conveyed to Gateway Bank & Trust certain real property described 

below (the ”Property”) to secure the payment of certain loan obligations 

described in the Deeds of Trust, NOTICE is hereby given 

that the entire indebtedness has matured and has been declared 

due and payable and that Gateway Bank & Trust and Timothy R. 

Simonds, Substitute Trustee, and any successor trustee who may 

succeed him, pursuant to the power, duty and authority vested in 

and imposed upon the same in the Deeds of Trust, will on March 

30, 2012, 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: 

LOCATED IN THE CITY OF CHATTANOOGA CIVIL DISTRICT 

OF HAMILTON COUNTY, TENNESSEE: Lot Eight (8) and part of 

Lot Nine (9), Plat of Simpson Estate, as shown on plat of record in 

Plat Book 9, Page 16, in the Register’s Offi ce of Hamilton County, 

Tennessee. According to said plat, said lot and part of lot are described 

as follows: Beginning on the Northern line of Shallowford 

Road and the Southeastern corner of Vista Terrace; thence North 

08 degrees West along the Eastern line of Vista Terrace 565 feet 

to the Northern line of said subdivision, thence Eastwardly along 

said line 657 feet, more or less, to a point 150 feet Westwardly of 

the Northeastern corner of said Lot 9; thence South 25 degrees 05 

minutes East, 150 feet Westwardly of and parallel to the Eastern 

line of said lot, 700 feet, more or less, to the Northern line of Shallowford 

Road; thence Westwardly along said road 850 feet, more 

or less, to the point of beginning. 

LESS AND EXCEPT that portion conveyed to Edward Cullins and 

wife, by deed recorded in Book 1184, Page 1, in the Register’s 


LESS AND EXCEPT that portion conveyed to Peter A. Fox and 

wife, by deed recorded in Book 3972, Page 891, in the Register’s 


TOGETHER WITH (i) all buildings and improvements now or 

hereafter erected on the above-described property, (ii) all fi xtures 

attached to the above-described property or any buildings or 

improvements situated thereon, and (iii) all estates, rights, tenements, 

hereditaments, privileges, rents, issues, profi ts, easements 

and appurtenances of any kind benefi ting the above-described 

property, all means of access to and from the above-described 

property, whether public or private, and all water and mineral 

rights. 

For prior title see Deed recorded in Book 8984, Page 93, in the 

Register’s Offi ce of Hamilton County, Tennessee, Map Parcel No. 

147G-K-002. 

Property Address: 1063 Shallowford Road, Chattanooga, Tennessee 

37411. 

Said sale will be subject to any and all unpaid ad valorem and real 

property 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 Offi ce; 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. 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 fi tness 

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. 

In addition, the following parties may claim an interest in the 

above-referenced property: 

City of Chattanooga, Tennessee for delinquent real property taxes 

owed on the property and Hamilton County, Tennessee for delinquent 

real property taxes owed on the property. 

THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFOR- 

MATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

Dated this 7th day of March, 2012. 

Simonds Law Firm, 427 E. 5th Street, Suite 100, Chattanooga, 

Tennessee 37403 (423) 285-6158 

Publication Dates: March 9th, 16th and 23rd, 2012. 




Tennessee pursuant to Deed of Trust executed by Demetria S. 

Ware and Derrick L. Ware, to Priority Trustee Services of Tennessee, 

L.L.C., Trustee, on June 16, 2006 at Book GI 8010, Page 

954; conducted by Shapiro & Kirsch, LLP Substitute Trustee, all of 

record in the Hamilton County Register’s Offi ce. 

Owner of Debt: U.S. Bank National Association, as Trustee for 

Merrill Lynch Mortgage Investors Trust, Mortgage Loan Asset- 

Backed Certifi cates, Series 2006-OPT1 




Described property located in the City of Chattanooga, Hamilton 

County, Tennessee, to wit: Lot 11, of Jacoway Subdivision, as 

shown by plat recorded in Plat Book 18, Page 72, in the Register’s 

Offi ce of Hamilton County, Tennessee, to which plat reference is 

hereby made for a more particular description of said property. 

Street Address: 4117 Gayle Drive, Chattanooga, Tennessee 

37412 

Parcel Number: 147O H 002 

Current Owner(s) of Property: Demetria S. Ware and husband, 

Derrick Ware 

Other interested parties: Option One Mortgage Corporation, a 

California Corporation and Option One Mortgage Corporation, a 

California Corporation, jrliennotice@oomc.com 


be 4117 Gayle Drive, Chattanooga, Tennessee 37412, but such 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K10-012673 

HCH3T-3/2,3/9,3/16/12 




Tennessee pursuant to Deed of Trust executed by Hilda M. 

Penland and husband, Billy Joe Penland, to Wesley D. Turner, 

Trustee, on July 16, 2004 at Book GI 7223, Page 802; conducted 

by Shapiro & Kirsch, LLP Substitute Trustee, all of record in the 

Hamilton County Register’s Offi ce. 

Owner of Debt: Deutsche Bank National Trust Company, as 

Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed 

Pass-Through Certifi cates, Series 2004-R9 





Hamilton County, Tennessee, to wit: Lot Twenty-six (26), Heritage 

Hills Subdivision, Unit One (1), as shown by plat of record in Plat 

Book 27, Page 117 in the Register’s Offi ce of Hamilton County, 

Tennessee, to which plat reference is hereby made for a more 

particular description of said property. 

Street Address: 6914 Sentinel Lane, Harrison, Tennessee 37341 

Parcel Number: 121C-B-009 

Current Owner(s) of Property: Billy Joe Penland and wife, Hilda 

M. Penland 

Other interested parties: Citifi nancial, Inc. c/o Kevin J. Jones, 

Attorney 


to be 6914 Sentinel Lane, Harrison, Tennessee 37341, but such 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-014340 

HCH3T-3/2,3/9,3/16/12 



Brainbuster – 

Make your brain tingle! 

By Kay Bona 

kay@dailydata.com 

� is article originally ran in the Daily Record on March 18, 

2011. 

1. Of the following colors, which is NOT found on an original 

Starbursts package? Red; Orange; Yellow; Green; Pink. 

2. What college did Abraham Lincoln attend? Harvard; Yale; 

William & Mary; none of the above. 

3. True or False: Astronauts Gus Grissom, Roger Chaff ee, 

and Ed White were killed when the Saturn IB rocket exploded 

on the launch pad. 

4. What is CCIV-CI in decimal notation? 103; 104; 102; 106. 

5. What would complete the oxymoron? Common ___. 

Cold; Misconception; Phenomenon; Denominator. 

6. In the book of Exodus, in the making of the Ephod, the 

names of the sons of Israel were engraved on stones. What 

type of stone was it? Emerald; Onyx; Ruby; Amethyst. 

7. Commissioned by “Ivan the Terrible”, this building is located 

on the southeast corner of Red Square and is often confused 

with � e Kremlin. Saint Peter’s Basilica; Saint Patrick’s 

Cathedral; Neuschwanstein Castle; Saint Basil’s Cathedral. 

8. � e Arizona Diamondbacks play at Chase _______. Stadium; 

Park; Field; Arena; none of the above. 

9. In today’s “text message” language, what does CSL mean? 

10. How much does an average adult Bald Eagle weigh? fi ve 

pounds; 12 pounds; 18 pounds; 27 pounds. 

ANSWERS 

1. Green 2. None of the above. Lincoln never attended college 

and had very little formal education at all. He was truly 

a self-made man. 3. False. Grissom, Chaff ee and White died 

in a cockpit fi re on January 27, 1967. However, the rocket 

they were in was not harmed by the fi re. � e source of the 

fi re was never discovered. � e investigation that followed the 

fi re lead to a setback that delayed any further manned Apollo 

missions for almost 21 months. 4. 103. CCIV is 204 and CI is 

101, so 204-101=103. 5. Phenomenon 6. Onyx. Exodus 39:6 

“� ey mounted the onyx stones in gold fi ligree settings and 

engraved them like a seal with the names of the sons of Israel.” 

An ephod was an object in ancient Israelite culture, and was 

closely connected with oracular practices. In the Books of 

Samuel, David is described as wearing one when dancing in 

the presence of the Ark of the Covenant. One is described as 

standing in the sanctuary at Nob with a sword behind it in 

the book of Exodus. In Leviticus, there is one being created 

for the Kohen Gadol, or Jewish High Priest, to wear as part of 

his offi cial vestments, and in the Judges, Gideon and Micah 

each cast one from a metal. 7. Saint Basil’s Cathedral. 8. Field. 

9. Any of these: Can’t Stop Laughing, Cannot Stop Laughing, 

i.e.: “Oh my goodness, that was so funny, I can’t stop laughing.” 

Here are a few more: 2MI – Too much information; 9 – Parent 

is watching; BIB – Boss is back. 10. 12 pounds. Females can 

weigh up to 15 pounds, while the male species usually only 

weighs 8 to 10 pounds. 

HCH 

Hamilton County Herald 

University Tower 

651 East 4th Street, Suite 100 

Chattanooga, TN 37403 

The 

Hamilton County 

Herald 

is available for 

$15 a year. 

Call 

800-420-5103 now! 

��COOKING CORNER 

Eggstraordinary food 

Kay’s Cooking 

Corner 

By Kay Bona 

kay@dailydata.com 

� is article originally ran in the 

Daily Record on June 15, 2010. 

� ere is so much controversy 

about eggs. Should you eat them? 

Should you not eat them? Maybe 

just eat the egg whites? What is 

the most nutritional way to eat 

eggs? 

Eggs, once considered a cholesterol-culprit, 

have somewhat 

been redeemed in recent years as 

researchers learn more about how 

certain foods work in our bodies 

systems. � ey have re-evaluated 

the egg and just how nutritious 

they are for us. 

Here is what the article I read 

has to say about eggs: 

1. � e egg is a low-calorie 

powerhouse. “� e egg is a great 

source of nutrition and especially 

brain food,” says Susan B. Roberts, 

PhD, author of “� e Instinct 

Diet” and professor of nutrition 

at the USDA Nutrition Center at 

Tufts University in Boston. “With 

only 80 calories per large egg and 

six grams of protein, it can be 

scrambled or even fried with just 

a dab of butter 

and still come 

in at under 100 

calories.” 

2. Eggs have 

vitamins and 

other nutrients. 

Besides providing 

protein (making 

you feel full 

longer), an egg 

supplies many essential 

nutrients 

including vitamin 

A, the B vitamins 

B-12, ribofl avin 

and folacin, and 

the minerals 

iron, phosphorus 

and zinc, along with choline 

and DHA, essential nutrients for 

brain health. 

3. � e egg has less cholesterol 

than we thought. Early tests 

measured falsely high for the 

amount of cholesterol in an egg. 

According to recent research 

from the U.S. Department of Ag- 

Provencal omelet 

Cooking spray 

2 cups fresh, sliced 

mushrooms 

3 tablespoon scallions 

1 clove garlic 

4 eggs 

1/4 teaspoon Herbes 

de Provence 

1/8 teaspoon salt 

riculture, one large egg has 213 

milligrams of cholesterol. Testing 

is also under way to see if that 

amount can be further reduced. 

4. It’s best to eat no more than 

three or four whole eggs per 

week, but egg whites have only 

15 calories per egg, no cholesterol, 

and no saturated fat, so 

people can eat as many as they 

want. Not only that, egg whites 

taste better than store-bought 

egg substitutes. 

5. Eggs make a great weekend 

breakfast. One great role eggs can 

play is in making weekend food 

Ground black pepper, to taste 

1 teaspoon olive oil 

1/4 cup shredded mozzarella 

cheese 

1 tablespoon shredded Asiago 

cheese 

1 medium tomato 

Parsley 

Lightly coat a 6-7-inch nonstick omelet skillet with cooking 

spray; preheat over medium heat. Saute mushrooms, green onion, 

and garlic until tender, stirring frequently. Remove mixture 

and set aside. Wipe out skillet. 

In medium bowl, combine eggs, spices, salt, and pepper. 

Whisk until combined. Add 1/2 teaspoon of the oil to clean skillet. 

Preheat over medium heat. 

Pour half the egg mixture into skillet. Cook, without stirring, 

until eggs begin to set. Run a spatula around edge of skillet, 

lifting eggs, so uncooked portion fl ows underneath. 

Continue cooking until eggs are set but still glossy and 

moist. Sprinkle with half the mozzarella cheese. Top with half 

the mushroom mixture. Continue cooking until cheese begins 

to melt. Using spatula, lift and fold an edge of the omelet 

partially over fi lling. Transfer omelet to a warm plate. Prepare 

second omelet. Top omelets with Asiago or Parmesan cheese, 

tomato, and, parsley. 

seem special without overdosing 

on calories. For example, 

scrambled eggs and whole-wheat 

toast or a fried egg and Canadian 

bacon on Sunday morning can 

become a special breakfast without 

adding any more calories than 

a regular weekday 

cereal meal. 

6. Eggs are an 

inexpensive protein 

source, very 

economical and 

are compared to 

steak or hamburger. 

7. Eggs aren’t 

only for breakfast; 

they make a great 

dinner food. In a 

few minutes, you 

can whip up an 

omelet for a quick 

dinner when you 

are too tired to 

cook or go out. 

A two-egg omelet with a slice of 

whole-wheat toast and an apple 

or orange makes a great meal. 

Article from:“� e Egg: 7 Diet 

Facts” everydayhealth.com. 

Hopefully, this will clear up any 

misgivings you had about eggs. 

Above is a very healthy egg omelet 

for that nighttime meal!��


The Critic's 

Corner 


dlaprad@hamiltoncountyherald.com 

You’ll want to take notes 

Instead of writing a review of “John Carter,” I’m tempted to 

compile a clip-n-carry guide to the names of its alien characters, 

races and locations. If you’re planning to see the movie, a 

manual would be more helpful to you than my assessment. I went 

in unprepared, and I spent a fair amount of time trying to fi gure 

out whether I was looking at a � ern, a � ark, or a � oat, who 

Sab � an and Matai Shang were, which of the human tribes were 

the Zondangans, and so on. Even Mars is called “Barsoom.” 

Making matters worse, the political structure on Barsoom is 

needlessly complex. � ere are two warring human civilizations, a 

race of giant green beings with four arms, and a group of ethereal 

life forms – among others. At one point, a slavering horde appears 

in the desert, intent on wiping out our heroes, and although 

they look like a meaner version of the giant green beings, they’re 

called something else. At that point, I gave up. 

Han Solo. Luke Skywalker. Princess Leia. � at’s how you name 

characters in a science fi ction movie if you don’t want your viewers 

to spend most of its running time making mental notes. 

� e creators of “John Carter” can’t be blamed for packing their 

script with hard-to-remember names, though, as they based 

their tale on the literary works of Edgar Rice Burroughs, who 

also created “Tarzan.” Burroughs wrote his “Barsoom” series over 

a century ago, long before it inspired “Star Wars,” “Avatar,” and 

other modern science fi ction movies, and long before NASA’s 

robotic probes had revealed Mars to be nothing but a dusty rock. 

When Burroughs penned his books, Mars was still rich fodder for 

the imagination. 

“John Carter” is largely based on “A Princess of Mars,” the fi rst 

book in Burroughs’ series. It follows the titular Civil War veteran, 

who, through a chain of events, is unexpectedly whisked away to 

Mars. � ere, he becomes embroiled in the many-layered battle 

between its various races, meets and falls in love with a princess 

named Dejah � oris (sigh), and fi ghts giant beasts. 

While I can’t address the quality of the novel, the movie is not 

great science fi ction, or even great storytelling. My biggest complaint 

has to do with the � erns, the ethereal beings I mentioned 

in paragraph one. For reasons the creators of the movie never 

make clear, the � erns work behind the scenes, stirring up trouble 

to ensure everyone remains at each other’s throats. One of the 

� erns says something vague about his people feeding off dying 

civilizations, but that’s a weak reason for all of their machinations. 

� e Death Star. � e Rebel Base. � e Empire wants to end the 

rebellion. � at’s how it’s done. 

Despite everything, “John Carter” is worth seeing. Disney 

spent A LOT of money making the movie, and every penny appears 

to be on the screen. � e battles are huge, and look incredible; 

the aliens have even more clarity than the computer animated 

beings in “Avatar”; and the locations are visually imaginative and 

gorgeously rendered. I especially liked the massive city on legs 

that strode across the desert, and the bony, mud-like dwellings of 

the � arks, which look as though they grew out of the Martian 

landscape. 

I also liked Taylor Kitsch as Carter and Lynn Collins as the 

princess. � ey needed more chemistry, and Kitsch could have 

been more expressive in some of his scenes, but both do a good 

job with their characters. Since “John Carter” is essentially an 

animated movie with human actors inserted into the scenery, that 

was quite an accomplishment. 

And I enjoyed the humor. � e scene in which Carter fi rst 

tries to walk in the low-gravity environment of Mars had me in 

stitches, primarily because he doesn’t realize he’s been transported 

from a desert on Earth to an alien wasteland. 

For all of its problems, which include some cheesiness, “John 

Carter” off ers a good time at the movies. Under the guiding hand 

of Andrew Stanton, the director of “Finding Nemo” and “WALL- 

E,” it’s never boring, and it’s almost always entertaining. Some of 

its details have slipped away since I saw it, but I haven’t forgotten 

how much fun I had watching it. 

Rated PG-13 for intense violence and action. � ree stars out 

of four. Email David Laprad at dlaprad@hamiltoncountyherald. 

com. 

��ADVICE FOR THE REAL WORLD 

Woman rethinks choice 

DEAR AMY: My husband and 

I have never planned on having 

children. 

We are both in our mid-30s, 

and while we are fi nancially 

stable and have a strong family 

network, we didn't think that 

we wanted to make the sacrifi 

ces necessary to become good 

parents. 

Several months ago, I found 

out I was pregnant but had a 

miscarriage. 

At fi rst I was relieved, thinking 

that life could return to "normal" 

for us and it would be the best for 

everyone. 

Now, I occasionally fi nd myself 

wondering what I might have 

lost. 

Logically, I know that there 

are many reasons not to have 

children: the time commitment, 

the expense, the fact that your 

life is no longer really yours; not 

to mention suff ering through the 

pregnancy and labor portion of 

the process. 

Is my reaction just a normal 

part of the process of losing 

something, or should we reconsider 

a decision we thought we 

had already made? – Wondering 

DEAR WONDERING: � e 

tendency to revisit these big life 

choices is an emotionally healthy 

reaction to a major life event. 

� e reasons you cite for not 

having children are all logical, 

but your assumption that you can 

return to "normal" after a miscarriage 

is not. 

All of the logic in the world 

will never allow for the stuff life 

throws at you: job loss, illness, 

and natural and personal disaster. 

In short, every single thing 

that comes down the pike will be 

a potential threat to your version 

of "normal." 

Do yourself a favor – don't 

cling too hard to normal. 

Defi nitely reconsider your 

baby plans. You and your husband 

should continue to talk 

about it, as you have done in 

RISMedia 

� e U.S. housing market 

disappointed Warren Buff ett last 

year, but he hasn’t given up hope. 

Buff ett said in his annual 

shareholder letter, posted this 

weekend, that he was “dead 

wrong” when he predicted last 

year that the rebound in U.S. 

home prices would begin within 

a year. 

� is year, though, he’s betting 

again that the housing market 

will recover, and for an interesting 

reason: hormones. 

As Buff ett explains it, the 

housing market is currently depressed 

because young Americans 

have stayed at home rather 

than going out and setting up 

their own households. 

“People may postpone hitch- 

not to have kids 

Ask 

Amy 

By Amy Dickinson 

Tribune Media 

the past. 

If you conclude that your 

choice is based in a mutual desire 

to remain childless – and not 

anxiety – then march forward, 

secure in your decision, but willing 

to discuss it again. 

DEAR AMY: Due to job loss, 

my younger sister, "Stacy," and 

her teen daughter have been living 

with us for more than a year 

now. 

Stacy has gotten two diff erent 

jobs over the year, but neither has 

been long term. 

In this economy, job hunting 

is hard. 

With our kids out on their 

own, my husband and I have 

gone on a yearly vacation together. 

Last year this included my 

sister and niece. 

We still want to vacation (with 

just the two of us) this year, and 

I'm not sure how Stacy will take 

it. 

Last year was very expensive 

with two extra airfares, lodging 

and food costs, and we have a 

more limited budget now due 

to the daily costs of two extra 

people in the household. 

Stacy is already asking, "Where 

are we going this year?" when she 

is unable to contribute for either 

herself or her daughter. 

I feel trapped. What should I 

do? – Stuck Sister 

DEAR STUCK: You have been 

ing up during uncertain times, 

but eventually hormones take 

over,” Buff ett wrote in the letter 

to shareholders in his investment 

company Berkshire Hathaway. 

“And while ‘doubling-up’ may be 

the initial reaction of some during 

a recession, living with inlaws 

can quickly lose its allure.” 

� at is not the entirety of 

his argument. He also says that 

home builders are not creating 

enough new supply. As a result, 

the excess inventory that built up 

after the fi nancial crisis is slowly 

disappearing, paving the way for 

new demand. 

During an appearance on 

CNBC on Monday morning, 

Buff ett said he would buy up 

millions of U.S. homes if it were 

possible. 

Data out Monday seemed to 

very generous, and it sounds as if 

on the whole this arrangement is 

basically working out. I give you 

and your husband a lot of credit 

for being such devoted family 

members. 

When you vacation without 

including the other members of 

your household, you are emphasizing 

that they are not quite full 

members of the household. Depending 

on the personal dynamic 

between you, this will sting. 

You and your husband deserve 

to have some privacy and to go 

away together if you want to, 

however. 

� e only way to fi nd out how 

your sister will take this news is 

to tell her. 

You say, "We're planning to 

go away, but we can't aff ord a 

vacation for all of us this year. 

I'm sorry, but maybe when you 

get on your feet you can join us 

again." 

DEAR AMY: "Overwhelmed" 

wondered what to do with four 

"poster-size pictures" of a stepson's 

wedding. 

You suggested she mount them 

on foam board and pull them out 

when the young couple visit. 

I think she should have someone 

take photos of the posters 

and size them to match other 

photos in the household. When 

the newlyweds visit, they can tell 

them, "We loved the posters you 

sent, so we scaled them to fi t and 

adorn a favorite wall." – Bob 

DEAR BOB: A great solution. 

� ank you. 

(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, "� e Mighty Queens 

of Freeville: A Mother, a Daughter 

and the Town that Raised � em" 

(Hyperion), is available in bookstores.) 

©2012 By � e Chicago Tribune 

Distributed By Tribune Media 

Services, Inc. � 

Warren Buffett is betting on housing 

support Buff ett’s contention. � e 

National Association of Realtors 

announced that the number of 

people buying used homes in 

January rose to a 21-month high. 

As usual, the annual letter 

was an opportunity for Buff ett to 

provide a candid assessment of 

Berkshire Hathaway’s wins and 

losses, most of which were in the 

volatile energy sector. He said 

his entire $2 billion investment 

in a Texas utility company may 

be wiped out unless natural gas 

prices rise substantially. 

“In tennis parlance, this was 

a major unforced error by your 

chairman,” he wrote. 

Buff ett also used the letter to 

reveal that he has chosen a CEO 

to succeed him at Berkshire Hathaway 

– he just refused to provide 

the identity of that person. �


A visit on the farm with Uncle Sid 

It was a beautiful Tennessee 

early spring afternoon when I 

pulled into the long gravel driveway 

of Uncle Sid and Aunt Sadie’s 

farm. � e hills behind their house 

this time of year are starting to 

show signs that full-blown spring 

is on its way. In fact, the new 

growth has even arrived earlier 

this year. Maples are turning 

maroon in color with red buds 

on their limbs getting ready to 

bloom and other trees are starting 

to show signs of pastel greens, as 

they too are ready to come back 

to life once again. 

I love this time of the year, 

when new life is arriving after a 

cold winter; however, this year, we 

eased by with one of the fourth 

warmest in the history of keeping 

weather records. 

Aunt Sadie met me at the front 

door, wiping her hands on her 

apron as usual, and led me to 

the back portion of their house 

where the old couple spends most 

of their time. � ere, sitting in 

the family room in his cane back 

rocker, was Uncle Sid, who was 

watching RFD-TV on the couple’s 

fl at screen TV. It is still hard for 

me to get use to seeing that large 

screen unit in their home after all 

of the years of witnessing them 

watching a simple 21-inch Philco 

in the corner near the antique 

butter churn. But times change 

when it comes to electronics. 

I’m just glad Uncle Sid and Aunt 

Sadie are always what you see is 

what you get. 

After exchanging pleasantries, 

Uncle Sid once again directed 

his attention to the program, 

which happened to be recounting 

a recent National Ag Day event 

held in Washington, D. C. the 

fi rst week in March. I knew not to 

interrupt an Uncle Sid program 

and took my place beside him in 

one of their country carved cane 

back chairs. Aunt Sadie pulled up 

her rocker and joined us. 

When the program went to 

a commercial, Aunt Sadie said, 

Read All 

About It 

By Pettus l. Read 

Tennessee Farm Bureau 

pread@tfbf.com 

“We had an Ag Day visit here at 

the farm last week. Cousin Pity, 

Patty’s sister who lives in town, 

brought her ladies club out for a 

day on the farm. I served them 

teacakes and spiced tea here in 

the farmhouse. We had a wonderful 

time. None of those ladies had 

ever been on a real Tennessee 

farm. Sid hid out in the barn and 

said he really wasn’t much into 

socializing.” 

Uncle Sid just watched the 

commercial and I knew what 

Aunt Sadie meant about his 

socializing with a group of city 

ladies. “After we had our refreshments 

and talked a while, the 

ladies wanted to see the farm 

animals, so I took them to the 

barn where Sid was,” Aunt Sadie 

said while winking at me. 

With that bit of information, 

Uncle Sid turned and looked at 

both of us as Aunt Sadie went on 

explaining the tour of the farm. 

“I showed them the chickens, the 

goats, the pigs, the sheep and the 

cows, which most of them were 

just carried away with,” Aunt 

Sadie said. “I even showed them 

your Uncle Sid as the farmer 

when we walked in the barn and 

all the ladies really laughed at 

that.” 

� at was the last straw that got 

Uncle Sid’s goat. “Yeah, and that 

Myrtle lady who was with them 

was a laugh a minute herself,” 

Uncle Sid answered with a frown 

on his face. 

Seeing my chance, I asked, 

“What was Myrtle’s problem, 

Uncle Sid?” 

“Well, Boy,” he said (still calling 

me Boy), “She didn’t like the way 

we took care of any of our animals. 

She wanted the chickens to 

run free, the pigs to wallow in the 

mud and the cows she thought 

looked unhappy. She had never 

been on a farm, but had all the 

answers.” 

However, a smile came over 

his face and he said, “But while 

they were walking back to their 

cars, Myrtle stopped at one of my 

sheds and called for me to come 

immediately. I didn’t know what 

was wrong so I almost ran up 

there, and when I got there she 

asked me while pointing in the 

shed, ‘Mr. Sid, why doesn’t this 

cow have any horns?’ 

“Trying to be patient with 

her, I answered by saying that 

cattle can do a lot of damage with 

horns. Sometimes, we keep them 

trimmed down. Other times, we 

can fi x up the calves by putting a 

couple drops of special medicine 

where their horns would grow in, 

and that stops them from growing. 

Still, there are some breeds of 

cows that just don’t grow horns. 

But Ms. Myrtle, the reason this 

cow here doesn’t have any horns 

is the fact that it’s a horse.” 

I just hope Cousin Pity is still 

a member of her city ladies club, 

because Aunt Sadie said all the 

ladies were really carrying Myrtle 

pretty high about not recognizing 

a horse when they left the farm, 

and I understand Myrtle is chairman 

of the membership committee. 

No problem – Uncle Sid 

will recommend her to the Farm 

Bureau. 

Pettus L. Read is Director of 

Communications for the Tennessee 

Farm Bureau Federation. He 

may be contacted by e-mail at 

pread@tfbf.com � 

Do you need to be lucky to succeed? 

By Dr. Maya Bailey 

While helping a client release 

her self-limiting beliefs, she 

brought up the old belief that she 

has to be lucky to succeed. 

I asked her how she would 

benefi t from releasing and 

reprogramming that belief and 

she answered, “I would be more 

motivated to take action.” 

During the reprogramming 

process, I asked her to go back 

to the origin of this belief, and 

she vividly recalled sitting in the 

living room with her parents and 

watching TV. When shows would 

come up that would showcase a 

successful person, her parents 

would always say, “look at them, 

they are so lucky.” 

She realized that even at a 

young age that her parents used 

this statement as an excuse for 

why they didn’t have more material 

possessions. She realized 

that whenever her parents would 

say that, they would defl ect the 

responsibility for success on to 

something beside themselves. 

She had the further insight that 

by telling themselves that success 

depended on luck; they could 

more easily accept the scarcity in 

their lives. I asked her to tell me 

how she benefi ted from believing 

as her parents did. She told me 

it gave her a sense of belongingness 

with her family to believe the 

same way they did. 

I asked my client to tell me 

what would be the negative 

consequences of continuing to 

hold on to the belief that her success 

depended on luck. She was 

surprised to realize that as long 

as she held on to that belief, she 

wouldn’t really work her hardest 

to succeed. She would never 

give 100 percent as long as she 

thought her success depended on 

luck. 

With that insight, it was easy 

for her to choose to install some 

updated empowered beliefs. 

1. Now I know that my income 

is a direct result of my eff orts 

2. My vision takes me to my 

goals 

3. I always get what I focus on 

4. I am a magnet for my ideal 

clients 

5. As I project confi dence, I become 

a magnet for an abundance 

of my ideal clients 

Has this ever happened to 

you? Have you ever believed that 

something outside yourself is 

responsible for your success or 

lack of success? Have you ever 

attributed your lack of success to 

a lack of luck or to the belief that 

the economy is responsible for 

your lack of success? 

It’s easy to fall into the trap of 

feeling like a victim, rather than 

realizing that you are the deliberate 

creator of your life. 

I highly recommend that you 

release any self-limiting beliefs 

that put power outside of your 

control and install empowered 

beliefs so that you too can be one 

of the TOP real estate agents; 

even in tough times. 

Dr. Maya Bailey, Multiple 6 

Figure Income Business Coach for 

Real Estate Professionals, integrates 

her 20 years of experience 

as a psychologist with 15 years of 

expertise in marketing. � 

NeighborWorks rescues 

almost $47 million 

in mortgages 

NeighborWorks Alliance of Tennessee was able to keep 

almost forty-seven million dollars worth of mortgages out of 

foreclosure and 393 unemployed or underemployed families in 

their homes in 2011 by off ering its clients access to the Hardest 

Hit Fund. Several hundred more families were helped through 

mortgage mitigation. In 2012, the Alliance will continue to off er 

these programs. � e Hardest Hit Fund has been expanded to 

provide up to fi ve thousand dollars in additional benefi ts to each 

homeowner. 

� e program is funded by the U.S. Treasury and administered 

in the state by the Tennessee Housing Development Agency. � e 

nonprofi t alliance connects homeowners in need with the funds. 

Of all the organizations off ering access to the payment program 

in 2011, the alliance accounted for more than 40 percent of the 

assistance provided to Tennesseans. 

In 2012, qualifi ed homeowners in all Tennessee counties 

could receive benefi ts up to twenty thousand dollars to cover up 

to 12 months of mortgage expenses. In 29 counties identifi ed as 

the most heavily impacted by the recession, homeowners may 

be eligible for up to twenty-fi ve thousand dollars to cover up to 

18 months of expenses. 

� e loans are off ered at zero percent interest. If the borrower 

stays in the home without refi nancing for fi ve years, the loan is 

forgiven. 

“2011 was a diffi cult year for many, and with the slow recovery, 

2012 could be equally tough for many Tennesseans,” said 

David Johnson, president and CEO of Chattanooga Neighborhood 

Enterprise, the Southeast Tennessee member organization 

of NeighborWorks Alliance of Tennessee. “We are extremely 

proud the alliance was able to help so many deserving Tennesseans 

stay in their homes, and hope we can help many more in 

the coming year.” 

In an open thank you letter printed in the Knoxville News 

Sentinel, one Alliance client said, “I wish to thank the workers at 

the [NeighborWorks Alliance] for all their hard work on my behalf. 

[� ey have] been tireless workers for the last four months 

in the quest to save my home from foreclosure.” 

A consortium of nationally chartered, Tennessee-based housing 

nonprofi ts, NeighborWorks Alliance of Tennessee provides 

a range of free mortgage services to help Tennesseans seek solutions 

to pending foreclosure in addition to the federally funded 

mortgage payment assistance. � ese services include assistance 

mitigating payments with the mortgage provider, as well as 

information and guidance on every aspect of homeownership 

and foreclosure. 

NeighborWorks Alliance of Tennessee is comprised of Affordable 

Housing Resource in Nashville and Middle Tennessee, 

Chattanooga Neighborhood Enterprise in Chattanooga and 

Southeast Tennessee, Knox Housing Partnership in Knoxville 

and East Tennessee, and United Housing in Memphis and West 

Tennessee. Each is a NeighborWorks America-chartered member. 

Any homeowner in Tennessee who might be in danger of 

foreclosure is encouraged to visit HardestHitTN.org or call 888- 

588-9129 to be connected with a local NeighborWorks Alliance 

of Tennessee center. 

Source: NeighborWorks Alliance of Tennessee 

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 

Phone: 423-648-9841 

651 East Fourth Street, Suite 100 

Chattanooga, Tenn. 37403


Counseling clients on 

home improvements 

First and foremost, never counsel before you are hired. Counseling 

happens after a client-relationship is established. Attorneys 

don’t off er legal advice before their services have been offi cially 

retained. Doctors don’t diagnose without assurance of compensation. 

Realtors should follow suit. Wait until the listing agreement is 

signed. � en begin to give counsel regarding how the owner can realize 

a quicker sale or higher price by making recommended home 

improvements and implementing staging advice. 

Too frequently, agents give away their expert counsel during 

listing presentations in hopes of proving their ability and expertise 

to sellers. More often than not, though, the sellers simply take the 

counsel with them when they link up with an agent who is less skillful 

but who promises a cheaper fee. 

• Second, tell the truth. If the sellers need to clean the home, tell 

them. If they are smokers and the house reeks from cigarettes, tell 

them. 

I once had to convince some clients to hire professional cleaners 

to rid their home of the smoke smell that permeated the carpets, 

walls and furniture throughout the entire home. � en I made them 

promise not to light up again for so long as they owned the house. 

� ey agreed under protest, but we sold the home, so they were happy. 

� e wrong odor in a home can really lower the odds of a sale. 

Likewise, appearances can kill buyer interest. If the home is 

crowded with too much stuff , say so. If the pink exterior color will 

cause people to drive right on by, speak up. Holding your tongue 

will only delay the day of reckoning. What’s more, it’s easier to be 

totally frank when you fi rst notice the problem – though only after 

the listing contract is signed. If you counsel before you gain commitment, 

your advice could off end the sellers and cost you the listing. 

� is is another reason to follow Rule No. 1 and get a signature 

before giving counsel. 

Improvements that contribute to the sales price 

When it comes to preparing a home for sale, worthwhile and 

necessary improvements fall into three categories: 

• Improvements that bring a home back to standard. 

• Improvements that correct defects. 

• Improvements that enhance curb appeal or fi rst impressions. 

� e following sections provide guidelines in each area. 

Bringing a home back to standard 

Coach’s 

Corner 

By Dirk Zeller 

Before you present a home with horribly dated décor, counsel 

the sellers to modernize the interior look in order to align it with 

the expectations of current-market buyers. sellers don’t have to go 

overboard; they just need to install a reasonable color scheme and 

implement enough of an update so that new owners will feel they 

can move in without having to undertake an immediate facelift. 

Share the following advice with sellers: 

• Keep improvements simple. A total redecoration isn’t necessary 

or even advisable. � e objective is to arrive at a widely acceptable 

and reasonably current color scheme in paint, counters, and 

fl oor coverings. 

• Don’t aim to create a design showpiece. Realize that following 

the purchase buyers will often change a home signifi cantly to 

make it their own. � e sellers’ objective is to allow them to feel that 

their changes can happen in time over the next years; that they’re 

not glaringly and immediately necessary 

• Focus on the big stuff . If the interior of a home looks current 

and the landscaping, yard, decks and patios are well kept and 

serviceable, the onus on buyers to make signifi cant, immediate 

changes lightens. As a result, they’ll be more likely to buy the home. 

� ey’ll also be more apt to make a more competitive initial off er 

than would be the case if the home presented obvious exterior or 

interior color or repair issues. Any changes a buyer has to make 

to a home comes out of money they must have, not money they 

can borrow. Many buyers will use that fact as one of the factors of 

which home they buy now. 

• A little paint makes a huge diff erence. Repainting is one of 

the most cost eff ective ways to freshen the look of a home and even 

to disguise design shortcomings. 

• Steer clear of the latest trends. Counsel clients away from 

the current rage in deep wall colors. Advise them to create a warm, 

blank canvas that any prospective buyer can work with. 

��HEALTH CORNER 

Crash course on diabetes 

By Kay Bona 

Recently, a close friend of mine 

was diagnosed with Diabetes 

Type II. Over 17 million Americans 

have diabetes, and each day, 

approximately 2,200 new individuals 

are diagnosed. After my 

friend was diagnosed, I realized 

my knowledge of diabetes was 

lacking. Below is a simple test on 

the subject – how much do you 

know? 

1. Onset of Type II diabetes 

most likely occurs: 

a. in childhood or adolescence 

b. at ages 20 to35 

c. at ages 35 to 65 

d. at 65+ 

2. Which of the following is 

NOT a symptom of diabetes? 

a. hair loss 

b. frequent urination 

c. fatigue 

d. sores that don’t heal 

3. Which is the most appropriate 

test for diagnosing 

diabetes? 

a. fasting plasma glucose blood 

test 

b. urine test 

c. fi nger-stick test 

d. saliva test 

4. � e role of insulin in our 

system is: 

a. to break down carbohydrates 

b. to aid Alpa Cells, which are 

responsible for the production of 

glucagons 

c. to store glucose in our cells 

to use as fuel 

d. to regulate our level of metabolism 

5. “Borderline Diabetes” 

refers to: 

a. a person with Gestational 

Diabetes 

b. a person with mild diabetes 

c. there is no such thing as 

“Borderline” diabetes 

d. a condition known as impaired 

glucose tolerance (IGT) 

Answers: 

1. D. � e incidence of Type 

II diabetes drastically increases 

with age. 

2. A. Hair loss is not a symptom 

of diabetes. 

3. A. � e fasting plasma glucose 

blood test is the preferred 

test. Finger-sticks and urine tests 

are more suitable as a screening 

tool and regular glucose monitoring. 

4. C. When glucose enters our 

blood, insulin moves it into our 

cells to be used as fuel. 

5.C. “Borderline” diabetes does 

not exist, although the term is 

used quite frequently. 

Insulin and diabetes facts: 

Type II Diabetes is the most 

common type of diabetes. Type I 

Diabetes usually strikes in young 

persons (average age is 14), with 

Type II Diabetes typically developing 

during or after middle age, 

often referred to as “adult onset 

diabetes”. 

Diabetes is a condition where 

insulin, a hormone, is not doing 

its job. Insulin is needed 

to properly store foods we eat 

for use as energy. Here’s how 

it works: Most of the food we 

consume is broken down into 

glucose and other simple sugars. 

As newly arrived glucose enters 

our blood stream, insulin is 

released from the pancreas, binds 

to the glucose via Insulin Receptors, 

and moves it into your cells 

to use as fuel. 

If insulin production is insuffi 

cient or does not function properly, 

the newly arrived glucose 

cannot be stored and remains 

in our blood stream - our blood 

sugar levels then become elevated. 

� ese high levels, left untreated, 

can eventually cause damage 

to other systems and organs. 

With Type II Diabetes, the 

pancreas produces some insulin, 

but the amount is either 

not enough or is not eff ective, 

because the body’s cells are resistant 

to it. 

Type I Diabetes must be treated 

with insulin, which involves 

injections. Insulin cannot be 

taken as a pill because the digestive 

juices in the stomach destroy 

the insulin before it can work. 

The warning signs of diabetes 

include: 

• Frequent urination 

• Blurred vision 

• Unusual thirst 

• Numbness or tingling in the 

extremities 

• Intense hunger 

• Frequent infections/slowly 

healing cuts 

• Fatigue 

• Irritability 

Ten tips for diabetes control 

1. Monitor your blood sugar 

at least twice (preferably three 

times) a day – before meals. 

2. Take your medication 

correctly, read and following 

directions, and pay attention to 

warning labels. 

3. Read food labels – the fi rst 

8/3/11 

thing to look at is serving size. 

� en look at the carbohydrate 

per serving. Look also at the fat 

and calories, if appropriate. 

4. Eat at regular times - stay 

within one hour each day of usual 

meal times. Controlling your eating 

schedule helps control your 

blood sugar and lead to better 

management. 

5. Learn the carbohydrate 

count of foods in the portions 

you commonly use. Use measuring 

cups to measure serving 

sizes and count out servings of 

crackers, pretzels, chips and nuts. 

Carbohydrate control is essential 

in diabetes management. 

6. Make wise selections when 

dining out. Eat smaller portions, 

order salad dressing on the side 

and dip with your fork, and avoid 

“sugar free” desserts, having a 

bite or two of regular dessert 

instead. 

7. Exercise daily with some 

type of walking, biking, swimming, 

dancing or aerobics. Exercise 

improves your body’s use of 

insulin. 

8. Examine feet daily. Diabetics 

are more prone to foot problems. 

Always wear proper fi tting 

shoes. 

9. Take care of your heart! 

Heart disease causes 65 percent 

of deaths related to diabetic complications. 

Maintain good body 

weight, exercise and decrease the 

saturated fats. 

10. Know your A1c Hemoglobin 

number – this is the 

measurement of sugar over the 

past three months which tells the 

degree of diabetes control. 

Diabetes is a serious condition. 

However, with proper treatment 

and a healthy lifestyle, your blood 

glucose can go down to normal 

levels. 

So, the next time you hear 

someone claim they have “a 

touch of sugar” or just “borderline” 

diabetes, do him or her a 

favor: Tell them all diabetes is 

important, and careful monitoring 

and treatment is crucial. �� 

©2011 The Mepham Group. Distributed by 

Tribune Media Services. All rights reserved. 

Level: 

1 2 

3 4 

Complete the grid so 

each row, column and 

3-by-3 box (in bold 

borders) contains 

every digit, 1 to 9. For 

strategies on how to 

solve Sudoku, visit 

www.sudoku.org.uk 

SOLUTION TO 

TUESDAY’S PUZZLE 

Last weeks solution






Tennessee pursuant to Deed of Trust executed by Thomas Smith 

and Alisha Smith, to Priority Trustee Services of Tennessee, 

L.L.C., Trustee, on March 15, 2007 at Book GI 8284, Page 326; 

conducted by Shapiro & Kirsch, LLP Substitute Trustee, all of 

record in the Hamilton County Register’s Offi ce. 

Owner of Debt: Wells Fargo Bank, N.A., as Trustee for Option One 

Mortgage Loan Trust 2007-3, Asset-Backed Certifi cates, Series 

2007-3 




Described property located in Hamilton County, Tennessee to 

wit: Lot Number 187, on the Plan of Final Plat of Lots 172-176 

and Lots 178-201 Highridge Subdivision, of record in Plat Book 

57, Page 76, Register’s Offi ce for Hamilton County, to which plan 

reference is hereby made for a more complete description. 

Street Address: 1703 Haleigh Terrace, Soddy Daisy, Tennessee 

37379 

Parcel Number: 074D-D-018 

Current Owner(s) of Property: Thomas Smith and wife, Alisha 

Smith 

Other interested parties: Henry Eugene Stamper, Arrow Financial 

Services, LLC c/o Mann Bracken, LLC and Capital One Bank 

(USA), N.A. c/o Mark A. Sexton, Hosto & Buchan, PLLC 


to be 1703 Haleigh Terrace, Soddy Daisy, Tennessee 37379, but 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K09-016789 

HCH3T-3/2,3/9,3/16/12 

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, default 


conditions of a Deed of Trust dated March 13, 2006, executed by 

LESLEY G. SHUTTERS, conveying certain real property therein 

described to Arnold M. Weiss, as Trustee, as same appears of 

record in the Register’s Offi ce of Hamilton County, Tennessee 

recorded March 16, 2006, in Deed Book GI 7874, Page 819; and 

WHEREAS, the benefi cial interest of said Deed of Trust was last 

transferred and assigned to THE BANK OF NEW YORK MEL- 

LON fka THE BANK OF NEW YORK, AS TRUSTEE FOR THE 

CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED 

CERTIFICATES, SERIES 2006-12 who is now the owner of said 


pursuant to T.C.A. § 35-5-117, was given in accordance with 









said Substitute Trustee will, on March 27, 2012 at 11:00 AM at the 





BEING LOT NO. 9, BLOCK 3, HAMILTON PLACE REVISED, AS 

SHOWN BY PLAT OF RECORD IN PLAT BOOK 8, PAGE 35, OF 


SEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A 

MORE COMPLETE AND ACCURATE DESCRIPTION OF SAID 

LOT. BEING THE SAME PROPERTY CONVEYED TO CURTIS J 

CASEY, AND WIFE, SUE ANN CASEY BY DEED DATED JUNE 

13, 2002 FROM DON WALER OF RECORD IN DEED BOOK 

6276, PAGE 943, REGISTER`S OFFICE OF SAID COUNTY. Parcel 

ID: 157K Q 028 PROPERTY ADDRESS: The street address of 

the property is believed to be 5103 SUNBEAM AVE, CHAT- 

TANOOGA, 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): LESLEY 

G. SHUTTERS OTHER INTERESTED PARTIES: City of Chattanooga 

The sale of the above-described property shall be subject 





















813-0992 Fax: (404) 601-5846 Ad #21640: 2012-03-02 2012-03- 

09, 2012-03-16 


Sale at public auction will be on March 29, 2012 at 12:00PM local 


Tennessee pursuant to Deed of Trust executed by Jeff Redmon 

and Beth Redmon, husband and wife, to Arnold M. Weiss, Esq., 

Trustee, as trustee for Wells Fargo Bank, NA on September 2, 


LLP having been appointed Substitute or Successor Trustee, all 

of record in the Hamilton County Register’s Offi ce. Default has 

occurred in the performance of the covenants, terms, and conditions 

of said Deed of Trust and the entire indebtedness has been 

declared due and payable. 

Party Entitled to Enforce the Debt: Owner of Debt: Wells Fargo 

Bank, NA 


will be sold to the highest call bidder: 

LOCATED IN THE SECOND CIVIL DISTRICT OF HAMILTON 

COUNTY, TENNESSEE:?LOT TWO (2), RANDY LYNN on 

SMITH LANE SUBDIVISION, as shown by plat of record in Plat 


Tennessee.?SUBJECT TO ”Hatched area is a Subsurface Sewer 

Disposal System and Duplication Easement. Any cutting, fi lling 

and construction within Ten (10) feet of this area, Twenty-fi ve (25) 

feet for a basement cut, without prior written approval from the 

Health Department and recording of corrective plat may render 

this lot unbuildable” as set out on plat of record.?SUBJECT TO 

Twenty (20) foot power and communication easement as shown by 

broken lines on plat of record.?Street Address: 4027 Smith Lane, 

Ooltewah, Tennessee 37363 


Current Owner(s) of Property: Jeffrey D. Redmon and wife, Elizabeth 

R. Redmon 


be 4027 Smith Lane, 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. 


If applicable, the HB 3588 letter 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; 

and any restrictive covenants, easements, or setback lines that 

may be applicable; any statutory right of redemption of any governmental 

agency, state or federal; any prior liens or encumbrances 

as well as any priority created by a fi xture fi ling; and to any matter 

that an accurate survey of the premises might disclose. 

This sale is subject to all matters shown on any applicable 

recorded plat any unpaid taxes; and any restrictive covenants, 

easements, or setback lines that may be applicable; any statutory 

right of redemption of any governmental agency, state or federal; 

any prior liens or encumbrances as well as any priority created by 

a fi xture fi ling; and to any matter that an accurate survey of the 

premises might disclose. 







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. 



may be rescinded by the Substitute Trustee at any time. 



purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K12-030359 

HCH3T-3/2,3/9,3/16/12 


Sale at public auction will be on April 3, 2012 at 12:00 PM local 


Tennessee pursuant to Deed of Trust executed by Kerry White, 

unmarried, to Arnold M. Weiss, Esq., Trustee, as trustee for Wells 

Fargo Bank, N.A. on March 15, 2007 at Book GI 8278, Page 822; 

conducted by Shapiro & Kirsch, LLP having been appointed Substitute 

or Successor Trustee, all of record in the Hamilton County 

Register’s Offi ce. Default has occurred in the performance of the 

covenants, terms, and conditions of said Deed of Trust and the 

entire indebtedness has been declared due and payable. 

Party Entitled to Enforce the Debt: Owner of Debt: HSBC Bank 

USA, National Association, as Trustee for Wells Fargo Home 

Mortgage Asset-Backed Securities 2007-M04 Trust, Mortgage 

Asset-Backed Certifi cates 




County, Tennessee, to wit: Lot Nineteen (19) Crescent Garden, as 


Offi ce of Hamilton County, Tennessee. Subject to ten (10) foot 

drainage easement as shown, described or noted on recorded 

plat. 

Street Address: 2415 Sunset Strip, Hixson, Tennessee 37343 

Parcel Number: 110J-F-004 

Current Owner(s) of Property: Kerry White 


be 2415 Sunset Strip, Hixson, Tennessee 37343, 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. 
































purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K10-011063 

HCH3T-3/2,3/9,3/16/12 




Tennessee pursuant to Deed of Trust executed by Aaron Chastain 

and Melissa Chastain, husband and wife, to Emmett James 

House or Bill R. McLaughlin, Trustee, on July 16, 2008 at Book GI 

8721, Page 694; conducted by Shapiro & Kirsch, LLP Substitute 

Trustee, all of record in the Hamilton County Register’s Offi ce. 

Holder: Regions Bank DBA Regions Mortgage 





Hamilton County, Tennessee, to wit: Being part of the Southwest 

Quarter of Section 13, Township 4, Range 3 West of the Basis Line 

Ocoee District and being more particularly described as follows: 

To fi nd the true point of beginning, commence at an iron pin found 

in the Western line of Banther Road marking the Southernmost 

corner of the Glenn H. Hughes tract as described in Book 4415, 

Page 581, in the Register’s Offi ce of Hamilton County, Tennessee; 

thence with and along the Western line Banther Road, South 26 

degrees 53 minutes 45 seconds West a distance of 42.59 feet to 

a point, said point being the true point of beginning; thence from 

said point of beginning, with and along the Western line of Banther 

Road, South 26 degrees 53 minutes 45 seconds West, a distance 

of 124.70 feet to a point; thence continuing along the Western line 

of Banther Road and onto Greenwood Road on a curve to the right 

with said curve having a radius of 25.00 feet, a tangent of 15.84 

feet, a chord bearing of South 64 degrees 43 minutes 19 seconds 

West, an arc distance of 28.24 feet to a point; thence continuing 

along the Northern line of Greenwood Road on a curve to the right 

with said curve having a radius of 405.48 feet, a tangent of 51.11 

feet, a chord bearing of South 14 degrees 22 minutes 06 seconds 

West, a distance 101.68 feet to a point; thence continuing along 

the Northern line of Greenwood Road, North 74 degrees 00 minutes 

50 seconds West, a distance of 21.04 feet to a point; thence 

leaving the North line of Greenwood Road, North 24 degrees 26 

minutes 40 seconds East a distance of 179.55 feet to a point; 

thence South 64 degrees 30 minutes 17 seconds East a distance 

of 139.11 feet to the point of beginning. 

Street Address: 7433 Greenwood Road, Harrison, Tennessee 

37341 


Current Owner(s) of Property: Aaron Chastain 


be 7433 Greenwood Road, Harrison, Tennessee 37341, but such 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-027551 

HCH3T-3/2,3/9,3/16/12 




Tennessee pursuant to Deed of Trust executed by Jennifer Poke 

and Lee A. Poke, wife and husband, to Priority Trustee Services 

of Tennessee, L.L.C., Trustee, on February 24, 2005 at Book GI 

7450, Page 85; conducted by Shapiro & Kirsch, LLP Substitute 


Owner of Debt: Wells Fargo Bank, N.A., as Trustee for Option One 

Mortgage Loan Trust 2005-2, Asset-Backed Certifi cates, Series 

2005-2 




The following described property located in the Second (2nd) Civil 

District of Hamilton County, Tennessee, to-wit: Lots Three (3) and 

Four (4), Block Fifteen (15), Revised Hamilton Place as shown by 

a revised plat of said subdivision of record in Plat Book 8, Page 35, 

in the Register’s Offi ce of Hamilton County, Tennessee. Street Address: 

502 South Lovell Avenue, East Ridge, Tennessee 37412 

Parcel Number: 169B-M-015.00 

Current Owner(s) of Property: Lee A. Poke and wife, Jennifer Poke 

Other interested parties: Option One Mortgage Corporation, Option 

One Mortgage, Option One Mortgage Corporation and Capital One 

Bank (USA), N.A. c/o Bart Lloyd, Attorney 


be 502 South Lovell Avenue, East Ridge, Tennessee 37412, but 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-020362 

HCH3T-3/2,3/9,3/16/12 



and conditions of a Deed of Trust dated November 26, 2008, 

executed by ADAM HIGHT, conveying certain real property 

therein described to Pioneer Title Agency, as Trustee, as same 

appears of record in the Register’s Offi ce of Hamilton County, 

Tennessee recorded December 3, 2008, in Deed Book GI 8810, 

Page 176; and WHEREAS, the benefi cial interest of said Deed 

of Trust was last transferred and assigned to QR LENDING 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 as Substitute Trustee by instrument to be fi led for record 




Rubin Lublin Suarez Serrano TN LLC, as Substitute Trustee or his 


vested and imposed upon said Substitute Trustee will, on March 

27, 2012 at 11:00 AM at the Front Steps of the Hamilton County 

Courthouse , located in Chattanooga, Tennessee, proceed to sell 

at public outcry to the highest and best bidder for cash or certifi ed 

funds ONLY, the following described property situated in Hamilton 

County, Tennessee, to wit: LOCATED IN THE CITY OF CHAT- 

TANOOGA, HAMILTON COUNTY, TENNESSEE: LOT ELEVEN 

(11), RIDGEVIEW CIRCLE SUBDIVISION, AS SHOWN BY PLAT 

OF RECORD IN PLAT BOOK 20, PAGE 20, IN THE REGISTER`S 

OFFICE OF HAMILTON COUNTY, TENNESSEE. THE SOURCE 

OF GRANTOR`S INTEREST IS FOUND IN DEED RECORDED IN 

BOOK 6020, PAGE 427, IN THE REGISTER`S OFFICE OF HAM- 

ILTON COUNTY, TENNESSEE AND FILED IN FINAL DECREE, 

DOCKET NO. 070947 IN THE CIRCUIT COURT OF HAMILTON 

COUNTY, TENNESSEE. SUBJECT TO RESTRICTIONS AS SET 

OUT IN INSTRUMENT RECORDED IN BOOK 1364, PAGE 461, 


NESSEE. SUBJECT TO TEN (10) FOOT DRAINAGE EASEMENT 

AS SHOWN, DESCRIBED OR NOTED ON RECORDED PLAT. 

Parcel ID: 100L-B-013 PROPERTY ADDRESS: The street address 

of the property is believed to be 6016 RIDGEVIEW CIRCLE, 

HIXSON, TN 37343. In the event of any discrepancy between this 


description shall control. CURRENT OWNER(S): ADAM HIGHT 

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 fi xture fi ling; 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 confi rmation 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 fi tness for a particular use or purpose. 

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY IN- 

FORMATION 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/ 


#21732: 2012-03-02 2012-03-09, 2012-03-16 



and conditions of a Deed of Trust dated April 11, 2007, executed 

by NATALIE KING AND SAMUEL L. KING, conveying certain real 

property therein described to William T Bozeman, as Trustee, as 

same appears of record in the Register’s Offi ce of Hamilton County, 

Tennessee recorded May 14, 2007, in Deed Book GI 8337, 

Page 476; and WHEREAS, the benefi cial 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 OF CWABS, INC., ASSET- 

BACKED CERTIFICATES, SERIES 2007-8 who is now the owner 



















LOCATED IN THE THIRD CIVIL DISTRICT OF HAMILTON COUN- 

TY, TENNESSEE: LOT FOUR (4), SAM KING SUBDIVISION, AS 

SHOWN BY PLAT OF RECORD IN PLAT BOOK 38, PAGE 32, 


NESSEE. SUBJECT TO APPLICABLE CONDITIONS AND EASE- 

MENTS IN SUBDIVISION REGULATIONS AS SET OUT IN BOOK 

2116, PAGE 186, IN SAID REGISTER`S OFFICE. SUBJECT TO 

CONDITIONS, BUILDING REQUIREMENTS, AND PROVI- 

SIONS AS SHOWN AND STIPULATED ON SAID RECORDED 

PLAT. THIS CONVEYANCE IS MADE SUBJECT TO EASE- 

MENTS, RESTRICTIONS, COVENANTS, AND CONDITIONS 

OF RECORD, INCLUDING MATTERS SHOWN ON RECORDED 

PLATS. TOGETHER WITH ALL AND SINGULAR, THE RIGHTS, 

MEMBERS, HEREDITAMENTS AND APPURTENANCES TO THE 

SAID PREMISES BELONGING OR IN ANYWISE INCIDENT OR 

APPERTAINING. BEING THE SAME PROPERTY CONVEYED 

FROM SAMUEL L. KING TO SAMUEL L. KING AND NATALIE 

KING BY DEED RECORDED 3/26/03, IN BOOK 6599, PAGE 493 

IN THE REGISTERS OFFICE OF HAMILTON COUNTY, TENNES- 

SEE. ADDRESS: 3008 EASTON AVE; CHATTANOOGA, TN 37415 

TAX MAP OR PARCEL ID NO.: 118IB016 Parcel ID: 118IB0.6 

PROPERTY ADDRESS: The street address of the property is 

believed to be 3008 EASTON AVE, CHATTANOOGA, TN 37415. 

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): NATALIE KING, SAMUEL L. KING 

OTHER INTERESTED PARTIES: The sale of the above-described 
















of any kind, including fi tness for a particular use or purpose. 






#21728: 2012-03-02 2012-03-09, 2012-03-16 




Tennessee pursuant to Deed of Trust executed by Charles R. 

Hardy and Marilyn C. Hardy, husband and wife, to Priority 

Trustee Services of Tennessee, L.L.C., Trustee, on December 7, 


LLP Substitute Trustee, all of record in the Hamilton County 


Owner of Debt: Wells Fargo Bank, N.A., as Trustee for Option 

One Mortgage Loan Trust 2007-FXD2, Asset-Backed Certifi cates, 

Series 2007-FXD2 





County, Tennessee, to-wit: Lot 39, Block 8, East Highlands, as 

shown by plat recorded in Plat Book 59, Page 265, in the Register’s 

Offi ce of Hamilton County, Tennessee, to which plat reference 

is hereby made for a more particular description of said property. 

Street Address: 731 Sylvan Drive, Chattanooga, Tennessee 

37411 

Parcel Number: 147J-L-014 

Current Owner(s) of Property: Charles R. Hardy and wife, Marilyn 

C. Hardy 

Other interested parties: GE Money Bank c/o Zwicker & Associates, 

P.C. - Attorneys and Discover Bank c/o Zwicker & Associates, 

P.C. - Attorneys 


be 731 Sylvan Drive, Chattanooga, Tennessee 37411, but such 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-019827 

HCH3T-3/2,3/9,3/16/12 



and conditions of a Deed of Trust dated November 21, 2006, 

executed by BRANDON BACON AND NAKO BACON, conveying 

certain real property therein described to ROBERT M. WILSON, 

ESQUIRE, as Trustee, as same appears of record in the Register’s 

Offi ce of Hamilton County, Tennessee recorded December 7, 2006, 

in Deed Book GI 8174, Page 174; and WHEREAS, the benefi cial 


U.S. Bank, National Association, As Trustee To Bank Of America, 

N.A., As Successor By Merger To LaSalle Bank, N.A., As Trustee 

For The Certifi cateholders Of The MLMI Trust, Mortgage Loan 

Asset-Backed Certifi cates, Series 2007-SD1 who is now the owner 
















wit: LOCATED IN CHATTANOOGA, HAMILTON COUNTY, TEN- 

NESSEE: LOT NO. ELEVEN(11), STERLING OAKS, AS SHOWN 

ON PLAT OF RECORD IN PLAT BOOK 81, PAGE 178, IN THE 

REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE, 

TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE 

COMPLETE DESCRIPTION. FOR PRIOR TITLE SEE DEED IN 

DEED BOOK 8111, PAGE 991, IN THE REGISTER`S OFFICE 

OF HAMILTON COUNTY, TENNESSEE. PROPERTY KNOWN 

AS 1718 STERLING OAKS, CHATTANOOGA, TN 37421, MAP 

PARCEL NO. 159J-F-006.11. THIS CONVEYANCE IS MADE 

SUBJECT TO THE FOLLOWING: ANY GOVERNMENTAL ZON- 

ING AND SUBDIVISION ORDINANCES OR REGULATIONS IN 

EFFECT THEREON. ALL APPLICABLE CONDITIONS, RESTRIC- 

TIONS, RESERVATIONS, EASEMENTS, ETC., AS SHOWN 

ON RECORDED PLAT. Parcel ID: 159 J-F-006.11. PROPERTY 


1718 STERLING OAKS LANE, CHATTANOOGA, TN 37421. In 

the event of any discrepancy between this street address and the 


CURRENT OWNER(S): BRANDON BACON OTHER INTEREST- 

ED PARTIES: Bank of America, N.A. NAKO BACON 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 fi xture fi ling; 

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 confi rmation by the lender or Substitute Trustee. 

This sale may be rescinded at any time. The right is reserved to 



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 fi tness for a particular 

use 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: (877) 813-0992 Fax: 

(404) 601-5846 Ad #21852: 2012-03-02 2012-03-09, 2012-03-16 





recorded March 17, 2005, at Book GI 7463, Page 102 in Offi ce of 


by Danny Ray Holloway and Lynda Ray Holloway, conveying 

certain property therein described to EquiTitle, Inc. as Trustee for 

Mortgage Electronic Registration Systems, Inc., as a separate 

corporation that is acting solely as a nominee for First American 

Equity Corp. and First American Equity Corp.’s successors and assigns; 

and the undersigned, Wilson & Associates, P.L.L.C., having 






Successor Trustee will, on March 26, 2012 on or about 3:00 P.M., 









Lot Thirty-nine (39), Meadowbrook Heights Subdivision, as 


Offi ce 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 1389, Page 107, in the Register’s 

Offi ce of Hamilton County, Tennessee. Utility Easement as shown 

or specifi ed by recorded plat. Drainage Easement as shown or 

specifi ed by recorded plat. 

ALSO KNOWN AS: 2307 Marco Circle, Chattanooga, Tennessee 

37421 










property: Danny Ray Holloway; Lynda Ray Holloway; CitiFinancial, 

Inc.; CitiFinancial, Inc. 






DATED January 5, 2012 





HCH3T-3/2,3/9,3/16/12 





recorded April 19, 2004, at Book GI 7094, Page 767 in Offi ce of the 


Perry Lawrence and Viola Lawrence, conveying certain property 

therein described to Arnold M. Weiss, Esq., 208 Adams Avenue, 

Memphis, TN 38103 as Trustee for Wells Fargo Home Mortgage, 

Inc.; and the undersigned, Wilson & Associates, P.L.L.C., having 














In The City of Chattanooga, Hamilton County, Tennessee: Lot 15, 

Legends Subdivision, Planned Unit Development, as shown by 

plat of record in Plat Book 54, page 29, in the Registers Offi ce of 

Hamilton County, Tennessee. Reference is made for prior title to 

Deed of record in Book 4511, page 519, in the Registers Offi ce of 

Hamilton County, Tennessee. Commonly known as: 1902 Stoney 

Creek Drive, Chattanooga, Tennessee, 37421. Subject to all easements 

and stipulations shown on said plat. Subject to Restrictive 

Covenants contained in Declaration of Covenants And Restrictions 

for Legends Subdivision, recorded in Book 4507, page 473, as 

supplemented in Book 4681, page 66, as amended in Book 4776, 

page 144, as amended in Book 4776, page 147, as supplemented 

in Book 4805, page 601, and as amended in Book 5140, page 

181, as affected by document of record in Book 6095, page 842 in 

the Registers Offi ce 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. Subject to lien 

of assessments provided for in Declaration Of Covenants And 

Restrictions For Legends Subdivision, recorded in Book 4507, 

page 473, as supplemented in Book 4681, page 66, as amended 

in Book 4776, page 144, as amended in Book 4776, page 147, as 

supplemented in Book 4805, page 601, and as amended in Book 

5140, page 181, as affected by document of record in Book 6095, 

page 842 in die Register’s Offi ce of Hamilton County, Tennessee. 

Subject to all other terms and provisions of Declaration of 

Covenants And Restrictions For Legends Subdivision, recorded 

in Book 4507, page 473, as supplemented in Book 4681, page 

66, as amended in Book 4776, page 144, as amended in Book 

4776, page 147, as supplemented in Book 4805, page 601, and 

as amended in Book 5140, page 181, as affected by document of 

record in Book 6095, page 842 in the Register’s Offi ce of Hamilton 

County, Tennessee. 

ALSO KNOWN AS: 1902 Stoney Creek Drive, Chattanooga, 

Tennessee 37421-8100 










property: Perry Lawrence; Viola Lawrence; Wells Fargo Bank NA; 

AmSouth Bank; Legends Homeowners’ Association, Inc.; American 

Express Centurion Bank; Capital One Bank (USA), NA; Warnie 

Shaw; Amsouth Bank; Legends Homeowner’s Association, Inc.; 

Warnie Shaw; Warnie Shaw 











HCH3T-3/2,3/9,3/16/12 







by Kenneth Wood, conveying certain property therein described 

to Alan E. South, Attorney at Law, South & Associates, PC4600 

Madison Avenue Suite 801, Kansas City, MO 64112 as Trustee for 

Urban Financial Group; and the undersigned, Wilson & Associates, 














The land described herein is situated in the Third Civil District, 

Hamilton County, Tennessee. Lot Number 16 Biltmore Section 

number 2, Duncan Hills, as shown by plat recorded in Plat Book 

14, Page 143, in the Register’s Offi ce, Hamilton county, Tennessee 

ALSO KNOWN AS: 129 Alden Avenue, Chattanooga, Tennessee 

37405 








accurate survey of the premises might disclose. In addition, the following 

parties may claim an interest in the above-referenced property: 

Kenneth Wood; Estate of Kenneth Wood; Heirs of Kenneth 

Wood; Urban Financial Group; State of Tennessee, Department of 

Labor & Workforce Development 

On or about May 14, 2004, the State of Tennessee, fi led a tax lien 

against the Defendant, Kenneth Wood, recorded in the Register’s 

Offi ce of Hamilton County, Tennessee, at Book GI 7130, Page 926. 

Any interest in the property held by the State of Tennessee, by 

virtue of the aforementioned tax lien is both junior and inferior to 

the interests held by Reverse Mortgage Solutions, Inc.. Provided, 

however, that the State of Tennessee, pursuant to Tennessee 

Code Annotated §67-1-133, shall have one hundred and twenty 

(120) days from the date of the sale within which to redeem the 

property by virtue of its tax lien(s) herein by payment of the actual 

amount paid by the purchaser at the foreclosure sale, plus any 

amount in excess of the expenses necessarily incurred in connec- 

tion with such property, less the income from such property, plus a 

reasonable rental value of such property. As required by law, the 

State of Tennessee has been given timely notice of this action. 









FHA No. 481-2983471 



HCH3T-3/2,3/9,3/16/12 




November 24, 2010, and the Deed of Trust of even date securing 



executed by James A. DeFriese and Irene DeFriese, 

conveying certain property therein described to Alan E. South 

as Trustee for Mortgage Electronic Registration Systems, Inc., a 

separate corporation acting solely as nominee for Urban Financial 

Group and Urban Financial Group’s successors and assigns; and 















Lot 7, Block C, Plan of Blaney Forest, as shown on plat of record in 

Plat Book 15, Page 81, in the Register’s Offi ce, Hamilton County, 

Tennessee. 

ALSO KNOWN AS: 3612 Weldon Drive, Chattanooga, Tennessee 

37412 










property: James A. DeFriese; Irene DeFriese; Estate of James A. 

DeFriese; Estate of Irene DeFriese; Heirs of James A. DeFriese; 

Heirs of Irene DeFriese; James Arthur DeFriese; Deborah Lynn 

Wade; Urban Financial Group; Debbie D. Cook aka Deborah D. 

Cook 









FHA No. 481-3264645 



HCH3T-3/2,3/9,3/16/12 




October 16, 2007, and the Deed of Trust of even date securing the 

same, recorded October 22, 2007, at Book GI 8502, Page 237 in 


executed by Joseph B. Pheifer and Lynda M. Pheifer, conveying 

certain property therein described to Arnold M. Weiss, Esq. 

of Shelby County 208 Adams Avenue, Memphis, TN 38103 as 

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

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













Lot 3, Glen Skiles Subdivision, of record in Plat Book 73, Page 

144, in the Register’s Offi ce of Hamilton County, Tennessee. 

ALSO KNOWN AS: 1210 Poe Road, Soddy Daisy, Tennessee 

37379-7046 










property: Joseph B. Pheifer; Lynda M. Pheifer 











HCH3T-3/2,3/9,3/16/12 



terms, and conditions of a Deed of Trust Note dated December 

12, 2006, and the Deed of Trust of even date securing the 




same, recorded December 14, 2006, at Book GI8181, Page 381 in 


executed by Charlene Womack James L. Womack and Jason 

Womack, conveying certain property therein described to Brandon 

G. Polito as Trustee for Wells Fargo Financial Tennessee 1, LLC.; 















All that certain property situated in the County of Hamilton, and 

State of Tennessee, being described as follows: 

Being the South one hundred (100) feet of Lot One Hundred Five 

(105), Austin Farms, Section Three (3), as shown by plat recorded 

in Plat Book 16, Page 58, in the Register’s Offi ce of Hamilton 

County, Tennessee. According to said plat said part of lot fronts 

one hundred (100) feet on the western line of Borriss Drive and 

extends westwardly between parallel lines, a distance of one 

hundred sixty-four (164) feet, more or less, to the eastern line of 

Lot One Hundred Four (104) of said subdivision. 

ALSO KNOWN AS: 7609 Boriss Drive, Chattanooga, Tennessee 

37416 










property: Charlene Womack; James L. Womack; Jason Womack; 

Erlanger Medical Center 









FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and 

WWW.REALTYTRAC.COM 

HCH3T-3/2,3/9,3/16/12 





recorded April 13, 2006, at Book GI7904, Page 967 in Offi ce of 


by Karen Honeycutt and Myrtle W. Harvley, conveying certain 

property therein described to Ernest B. Williams, IV, 401 Church 

Street, Suite 2600, Nashville, TN 37219 as Trustee for Mortgage 

Electronic Registration Systems, Inc., as nominee for The CIT 

Group Consumer Finance, Inc., (TN) (a Delaware Corporation), its 















BEING the Northern parts of Lots Sixty-Two (62), Sixty-one (61) 

and Sixty (60), revised map of Ealy Estates, as shown by plat 

of record in Plat Book 14, page 49, in the Register’s Offi ce of 

Hamilton County, Tennessee. According to said plat, said parts 

of Lots form one (1) tract fronting Eighty-eight (88) feet on the 

Eastern line of 

Merrill Street and extending Eastwardly, along the Northern line 

of said lots, to the Northwestern line of Lot Fifty-Nine (59) of said 

subdivision, on which it has a footage of One Hundred Seventeen 

(117) feet; its North line being Three Hundred Thirty (330) feet, 

more or less, in length and its Southern line Two Hundred Thirty- 

Nine 

and Six-Tenths (239.6) feet in length. 

ALSO KNOWN AS: 1520 Merrill Street, Chattanooga, Tennessee 

37412 










property: Karen Honeycutt; John Harvley; Myrtle W. Harvley; 

Citibank South Dakota, NA; John Harvley 











HcH3T-3/2,3/9,3/16/12 




March 6, 2008, and the Deed of Trust of even date securing the 

same, recorded March 12, 2008, at Book GI 8611, Page 802 in 


executed by Deborah G Tankersley Charles E. Schaerer, Jr. 

and Deborah Tankersley, conveying certain property therein 

described to Charles E. Tonkin, II, a resident of Knox County, Ten- 

nessee as Trustee for Mortgage Electronic Registration Systems, 

Inc, as nominee for Mortgage Investors Group, its successors and 

assigns; and the undersigned, Wilson & Associates, P.L.L.C., having 














Located in the Third Civil District of Hamilton County, Tennessee: 

Lot 17 and the East 5 feet of Lot 18, Eastwood Acres, as shown by 

plat of record in Plat Book 26, Page 54. 

ALSO KNOWN AS: 513 River Bend Lane, Hixson, Tennessee 

37343 










property: Deborah G Tankersley; Charles E. Schaerer , Jr.; State 

of Tennessee, Department of Labor and Workforce Development; 

Tucker Federal Bank dba Prime Lending; Deborah Tankersley 

On or about November 5, 2008, the State of Tennessee, fi led a tax 

lien against the Defendant, Charles E. Schaerer, Jr. individually 

and dba Action Survey & Development Co, recorded in the Register’s 

Offi ce of Hamilton County, Tennessee, at Book GI 8794, Page 

953. Any interest in the property held by the State of Tennessee, 

by virtue of the aforementioned tax lien is both junior and inferior to 

the interests held by JPMorgan Chase Bank, National Association. 

Provided, however, that the State of Tennessee, pursuant to Tennessee 

Code Annotated §67-1-133, shall have one hundred and 

twenty (120) days from the date of the sale within which to redeem 

the property by virtue of its tax lien(s) herein by payment of the actual 

amount paid by the purchaser at the foreclosure sale, plus any 

amount in excess of the expenses necessarily incurred in connection 

with such property, less the income from such property, plus a 

reasonable rental value of such property. As required by law, the 

State of Tennessee has been given timely notice of this action. 











HCH3T-3/2,3/9,3/16/12 





recorded May 6, 2005, at Book GI 7523, Page 78 in Offi ce of the 

Register of Deeds for Hamilton County, Tennessee, executed 

by Michael Dale and Janice Dale, conveying certain property 

therein described to American Title Company, Inc. as Trustee for 

Mortgage Electronic Registration Systems, Inc, as nominee for 

United Financial Mortgage Corp., its successors and assigns; and 















Lot Two Hundred 286, Block 28, East Lake Mission Ridge Land 

Company’s Addition, as shown by plat recorded in Plat Book 2, 

Page 25, Register’s Offi ce of Hamilton County, Tennessee. 

ALSO KNOWN AS: 3601 12th Avenue, Chattanooga, Tennessee 

37407 










property: Michael Dale; Janice Dale; Estate of Michael Dale; Heirs 

of Michael Dale; 











HCH3T-3/2,3/9,3/16/12 




June 19, 2007, and the Deed of Trust of even date securing the 

same, recorded June 27, 2007, at Book GI 8385, Page 442 in 


executed by James David Boynton, conveying certain property 

therein described to Warranty Title Insurance Company as Trustee 

for Mortgage Electronic Registration Systems, Inc., as nominee for 

Wilmington Finance Inc., its successors and assigns; and the undersigned, 

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














A certain tract or parcel of land in Hamilton County, Tennessee, 

described as follows, to-wit: 

Lot 207, Cross Timbers Subdivision, Unit 5, as shown by plat of 

record in Plat Book 34, Page 17. 

ALSO KNOWN AS: 8321 Oak Forest Lane, Hixson, Tennessee 

37343 










property: James David Boynton; Mortgage Electronic Registration 

Systems, Inc., as nominee for Wilmington Finance Inc.; Wilmington 

Finance Inc. 











HCH3T-3/2,3/9,3/16/12 





recorded July 26, 2007, at Book GI8417, Page 741 in Offi ce of the 


Linda I. Hansen and Michael L. Hansen, conveying certain property 

therein described to David A. Neal as Trustee for Mortgage 

Electronic Registration Systems, Inc., as a separate corporation 

that is acting solely as a nominee for First Guaranty Mortgage Corporation 

and First Guaranty Mortgage Corporation’s successors 















In the Third Civil District of Hamilton County, Tennessee; Lot 96, 

Timber Ridge Subdivision, Phase 2, as shown by plat of record 

in Plat Book 77, Page 122, in the Register’s Offi ce of Hamilton 

County Tennessee. 

ALSO KNOWN AS: 9421 Hackberry Lane, Soddy Daisy, Tennessee 

37379 










property: Linda I. Hansen; Michael L. Hansen; First Guaranty 

Mortgage Corporation; Mortgage Electronic Registration Systems, 

Inc as nominee for First Guaranty Mortgage Corporation 











HCH3T-3/2,3/9,3/16/12 




Tennessee pursuant to Deed of Trust executed by Shenika L. 

Phillips, an unmarried woman, to Ensign Title & Escrow, Inc., 

Trustee, as trustee for Mortgage Electronic Registration Systems, 

Inc. (”MERS”), solely as nominee for Platinum Mortgage, Inc. on 

March 28, 2008 at Book GI 8632, Page 458; conducted by Shapiro 

& Kirsch, LLP having been appointed Substitute or Successor 


Default has occurred in the performance of the covenants, terms, 

and conditions of said Deed of Trust and the entire indebtedness 

has been declared due and payable. 


Bank, NA 




Lot Four (4), Block Twenty-One (21), Alton Park, Addition 

Number 2, as shown by plat of record in Plat Book 3, Page 8 in the 

Register’s Offi ce of Hamilton County, Tennessee. Subject to any 

governmental zoning and subdivision ordinances and regulations 

in effect thereon. Street Address: 4512 Highland Avenue, Chattanooga, 


Parcel Number: 167C-J-021 

Current Owner(s) of Property: Shenika Phillips 


be 4512 Highland Avenue, Chattanooga, Tennessee 37410, but 



































purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-021693 

HCH3T-3/2,3/9,3/16/12 




Tennessee pursuant to Deed of Trust executed by Belinda J. 

Sexton, a married person, to Arnold M. Weiss, Esq, Trustee, as 

trustee for Wells Fargo Bank, N.A. on September 28, 2007 at Book 

GI 8490, Page 304; conducted by Shapiro & Kirsch, LLP having 

been appointed Substitute or Successor Trustee, all of record in 

the Hamilton County Register’s Offi ce. Default has occurred in the 

performance of the covenants, terms, and conditions of said Deed 

of Trust and the entire indebtedness has been declared due and 

payable. 


Bank, NA 



Lot Number 3 and the South one half (1/2) of Lot 4, Block C, 

McDonald Subdivision, and shown by plat of record in Book 741, 

Page 68, Register’s Offi ce for Hamilton County, Tennessee. 

Street Address: 1704 Small Street, Chattanooga, Tennessee 

37412 

Parcel Number: 169M-K-009 

Current Owner(s) of Property: Belinda J. Sexton 


be 1704 Small Street, Chattanooga, Tennessee 37412, but such 



































purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-026954 

HCH3T-3/2,3/9,3/16/12 



and conditions of a Deed of Trust dated August 23, 2001, executed 

by Sharon Pease and Joseph E. Pease , conveying certain real 

property therein described to Denise Haraseviat, County Of Sumner, 

as Trustee, as same appears of record in the Register’s Offi ce 

of Hamilton County, Tennessee recorded August 30, 2001, in Deed 

Book GI 5972, Page 1 and re-recorded May 13, 2002 in Deed 

Book GI 6241, Page 587; and WHEREAS, the benefi cial interest of 

said Deed of Trust was last transferred and assigned to The Bank 

of New York Mellon Trust Company, National Association fka The 

Bank of New York Trust Company, N.A. successor to JPMorgan 

Chase Bank N.A. RAMP 2005-RP1 who is now the owner of said 


pursuant to T.C.A.§ 35-5-117, was given in accordance with 












upon said Substitute Trustee will, on March 29, 2012 at 11:00 AM 

at the HAMILTON County courthouse door where the foreclosure 

sales are customarily held at the HAMILTON Courthouse, located 




to wit: LOT FORTY SIX ( 46 ), OF WINFIELD ESTATES, AS 

SHOWN BY PLAT RECORDED IN PLAT BOOK 14, PAGE 79, IN 


SEE. BEING THE SAME PROPERTY CONVEYED TO JOSEPH 

E. PEASE AND WIFE, SHARON PEASE BY WARRANTY DEED 

FROM MARY ELLEN CHAMBERS DATED MAY 29, 1998 AND 

RECORDED IN BOOK 5120, PAGE 126, IN THE REGISTER`S 

OFFICE FOR HAMILTON COUNTY, TENNESSEE. Parcel ID: 

157N K 012 PROPERTY ADDRESS: The street address of the 

property is believed to be 106 Viston Avenue, 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): Sharon Pease and Joseph E. 

Pease OTHER INTERESTED PARTIES: Department of the Neighborhood 

Services Division of the City of Chattanooga, Tennessee, 

Internal Revenue Service (TN) The sale of the above-described 
















of any kind, including fi tness for a particular use 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 

9053, Page 864. Notice of the sale has been given to the UNITED 

STATES OF AMERICA in accordance with 26 U.S.C. 7425(b). 






#21938: 2012-03-02 2012-03-09, 2012-03-16 




December 20, 2006, and the Deed of Trust of even date securing 



executed by Dearl D. Lawton and Dorothy Lawton, 

conveying certain property therein described to Title Guaranty and 

Trust Company as Trustee for Mortgage Electronic Registration 

Systems, Inc., as a separate corporation that is acting solely as 

a nominee for First Horizon Home Loan Corporation and First 

Horizon Home Loan Corporation’s successors and assigns; and 















In the third civil district of Hamilton County, Tennessee: lots 17 

and 18, block D, Middle Valley Gardens, Subdivision by B. A. Crisman, 

as shown by plat of record in plat book 19, page 32. 

ALSO KNOWN AS: 1733 Longview Street, Hixson, Tennessee 

37343 










property: Dearl D. Lawton; Dorothy Lawton; Ford Motor Credit 

Company, LLC; Advantage Assets II, Inc 











HCH3T-3/2,3/9,3/16/12 




Tennessee pursuant to Deed of Trust executed by Ivy Jackson 

and husband, Carl Jackson, joint tenants with the rights of 

survivorship, to Wesley D. Turner, Trustee, on August 15, 2006 

at Book GI 8055, Page 406; conducted by Shapiro & Kirsch, LLP 

Substitute Trustee, all of record in the Hamilton County Register’s 

Offi ce. 

Owner of Debt: Deutsche Bank National Trust Company, as 

Trustee for Long Beach Mortgage Loan Trust 2006-9 




Described property located in Second (2nd) Civil District of 

Hamilton County, Tennessee, to wit: Lot Two Hundred Forty-three 

(243), Yorktown Woods, Unit Five (5), as shown by plat of record in 

Plat Book 29, Page 33, in the Register’s Offi ce of Hamilton County, 

Trustee/Mortgagee’s Sales Scheduled in the Next 3 Weeks 

Tennessee, to which plat reference is hereby made for a more 

particular description of said property. 

Street Address: 2815 St. Lawrence Road, Chattanooga, Tennessee 

37421 

Parcel Number: 150H-H-012 

Current Owner(s) of Property: Ivy Jackson and husband, Carl 

Jackson 


be 2815 St. Lawrence Road, Chattanooga, Tennessee 37421, but 






been met. 
















purpose. 






Phone (901)767-5566 

Fax (901)761-5690 

S&K11-017912 

HCH3T-3/2,3/9,3/16/12�� 

Property City Instr # Owner Trustee 

SALES TO TAKE PLACE ON 03/19/12 

7150 Houser Ridge Lane 37343 L7 fi nal plat Stonewall Farm Subd Hixson GI 7083/716 Marjean L. Gingrich Wilson & Associates, PLLC 

1924 Light Tower Circle 37343 L444 Unit 13 Hidden Harbor PUD Hixson GI 7108/917 Anne Giada, Joseph M. Giada Wilson & Associates, PLLC 

6015 Veronica Drive 37363 L636 fi nal plat Hamilton on Hunter Subd L578-655 PhII Ooltewah GI 8468/131 Angela L. Reed, Robert L. Reed, Jr. Wilson & Associates, PLLC 

4200 Shady Oak Drive 37363 L60 Fair Oaks Unit 2 Ooltewah 4780/828 Janice M Adams, Eddie L Adams Wilson & Associates, PLLC 

3905 Timber Trace Drive 37363 L17 fi nal plat Timber Trace Ooltewah Lisa Hanson And Erik Hanson Foreclosure Expeditors/Initiators, LLC 

2513 Westwind Drive 37379 L44 Rolling Hills Subd Soddy-Daisy GI 7956/789 Adam W. Mefford, Cara L. Mefford Wilson & Associates, PLLC 

1612 Arapaho Drive 37379 L18-19 Opossum Creek Cabin Site Subd Soddy Daisy GI 8383/679 Robin W. Howard Wilson & Associates, PLLC 

1233 Hotwater Road 37379 begin at Wilson Yother’s SE corner Soddy Daisy GI 7690/935 Rhonda R. Laudone, Christopher Laudone Wilson & Associates, PLLC 

1135 Carter Drive 37415 L20 Rivermont Place Unit 2 Chattanooga GI 8742/607 Crystal Joyner, Jeffrey R. Joyner Wilson & Associates, PLLC 


9571 Stone Mist Lane L198 Shadow Ridge Subd Chattanooga Lorinda Powers And Randy Powers Better Choice Notice Solutions 

4603 Plaza Hills Lane 37343 L13 Plaza Hills Subd Hixson Chad S Condra Better Choice Notice Solutions 

3021 Refelction Lane 37363 L100 Hidden Lakes Subd Ph2 Ooltewah James W Smith And Linda Smith Better Choice Notice Solutions 


472 Sevier Street 37343 L69 Sevier Estates Hixson S&K10-012457 Johnny Alan Anderson Shapiro & Kirsch LLP 


6300 Jan Lane Drive 37341 L21 Hunter Forrest Subd Harrison S&K11-028940 Aaron E. West & Christel West Shapiro & Kirsch LLP 

1705 Lyerly Street 37404 L10 B11 Anderson and Eckford’s Add to Ridgedale Chattanooga S&K12-030382 Charlie E. Moore, Jr Shapiro & Kirsch LLP 

3924 Meadow Lane 37406 L3 Meadow Lane Subd Chattanooga S&K11-024205 Holla A. Wilson & Bruce A. Wilson Shapiro & Kirsch LLP 

1411 West 54th Street 37409 L13 B B Wards Amended Add to St Elmo Chattanooga S&K11-024505 Robert W. Sublett & Patricia M. Sublett Shapiro & Kirsch LLP 

2414 Hickory Ridge Drive 37421 L21 Cedar Creek Subd Unit 2 Chattanooga S&K10-008930 Melanie Elizabeth Royse and Christian a Royse Shapiro & Kirsch LLP 


8321 Oak Forest Lane 37343 L207 Cross Timbers Subd Unit 5 Hixson GI 8385/442 James David Boynton Wilson & Associates, PLLC 

1733 Longview Street 37343 L17-18 B D Middle Valley Gardens Hixson GI 8195/260 Dearl D. Lawton, Dorothy Lawton Wilson & Associates, PLLC 

9421 Hackberry Lane 37379 L96 Timber Ridge Subd Ph2 Soddy Daisy GI8417/741 Michael L. Hansen, Linda I. Hansen Wilson & Associates, PLLC 

11934 Back Valley Road 37379 L2 Wilson Keel Subd Soddy-Daisy GI 5659/121 William H. Wright, Stephanie Wright Wilson & Associates, PLLC 

1210 Poe Road 37379 L3 Glen Skiles Subd Soddy Daisy GI 8502/237 Lynda M. Pheifer, Joseph B. Pheifer Wilson & Associates, PLLC 

3601 12th Avenue 37407 L286 B28 East Lake Mission Ridge Land Company’s Add Chattanooga GI 7523/78 Janice Dale, Michael Dale Wilson & Associates, PLLC 

1520 Merrill Street 37412 Northern Parts of L60-62 revised map of Ealy Estates Chattanooga GI7904/967 Karen Honeycutt, Myrtle W. Harvley Wilson & Associates, PLLC 

3612 Weldon Drive 37412 L7 B C Plan of Blaney Forest Chattanooga GI 9303/888 Irene DeFriese, James A. DeFriese Wilson & Associates, PLLC 

3919 Kensington Drive 37415 L30 resub of L24-32 B16 Fairfax Heights Western Plateau Chattanooga GI 7439/980 Katrina Dee Fugunt, Kenneth Lee Fugunt Wilson & Associates, PLLC 

7609 Boriss Drive 37416 S100 ft L105 Austin Farms Section 3 Chattanooga GI8181/381 Charlene Womack, Jason Womack, James L. Womack Wilson & Associates, PLLC 

2307 Marco Circle 37421 L39 Meadowbrook Heights Subd Chattanooga GI 7463/102 Danny Ray Holloway, Lynda Ray Holloway Wilson & Associates, PLLC 

1902 Stoney Creek Drive 37421 L15 Legends Subd PUD Chattanooga GI 7094/767 Perry Lawrence, Viola Lawrence Wilson & Associates, PLLC 


6016 Ridgeview Circle 37343 L11 Ridgeview Circle Subd Hixson Adam Hight Better Choice Notice Solutions 

7361 Salmon Lane 37363 L945 Hamilton on Hunter Ph13 Ooltewah Christopher A Bohlken And Jennifer A Bohlken Better Choice Notice Solutions 

5103 Sunbeam Avenue 37411 L9 B3 Hamilton Place Revised Chattanooga Lesley G Shutters Better Choice Notice Solutions 

3008 Easton Avenue 37415 L4 Sam King Subd Chattanooga Natalie King And Samuel L King Better Choice Notice Solutions 


4027 Smith Lane 37363 L2 Randy Lynn on Smith Lane Subd Ooltewah S&K12-030359 Jeffrey D. Redmon & Elizabeth R. Redmon Shapiro & Kirsch LLP 

4512 Highland Avenue 37410 L4 B 21 Alton Park Chattanooga S&K11-021693 Shenika Phillips Shapiro & Kirsch LLP 

106 Vision Avenue 37411 L46 Winfi eld Estates Chattanooga Sharon Pease And Joseph E Pease Better Choice Notice Solutions 

1704 Small Street 37412 L3 S1/2 L4 B C McDonald Subd Chattanooga S&K11-026954 Belinda J. Sexton Shapiro & Kirsch LLP 

7311 Kenmoor Drive 37421 L9 Kenmoor Third Unit Chattanooga Sabrina Upshaw And Reggie Upshaw Better Choice Notice Solutions 

1718 Sterling Oaks 37421 L11 Sterling Oaks Chattanooga Brandon Bacon And Nako Bacon Better Choice Notice Solutions 


818 Gillespie Road 37411 L98-99 pt of L100 Sylvan Hills Chattanooga Anthony L Hollis And Reba J Hollis Foreclosure Expeditors/Initiators, LLC 

1063 Shallowford Road 37411 L8 pt of L9 plat of Simpson Estate Chattanooga Pamela R. Ammons and Baron Ammons 


6914 Sentinel Lane 37341 L26 Heritage Hills Subd Unit 1 Harrison S&K11-014340 Billy Joe Penland & Hilda M. Penland Shapiro & Kirsch LLP 

7433 Greenwood Road 37341 pt of SW1/4 Sec13 T4 R3W Harrison S&K11-027551 Aaron Chastain Shapiro & Kirsch LLP 

1303 Tabitha Drive 37343 L11 B G Norcross Hills Subd Hixson GI 6833/770 Sharon J. Phillips, Steve O. Phillips Wilson & Associates, PLLC 

6948 Love Lane 37343 L169 Sterling Park Unit 5 Hixson GI 6678/787 Carolyn J. Leonard, Fred E. Leonard Wilson & Associates, PLLC 

7707 Ridge Bay Drive 37343 L12 Ridge Bay Subd Hixson GI 6760/505 Susan D. Houston, Joseph Michael Houston aka J. Michael Houston Wilson & Associates, PLLC 

513 River Bend Lane 37343 L17 E5 ft L18 Eastwood Acres Hixson GI 8611/802 Charles E. Schaerer, Jr., Deborah G. Tankersley, Deborah Tankersley Wilson & Associates, PLLC 

1456 Mercer Street 37351 L163 Lupton City Subd Lupton City GI 9394/121 Aaron J. Shinn Wilson & Associates, PLLC 

8253 Double Eagle Court 37363 L36 Hampton Creek Townhomes Ooltewah GI 7867/804 Laura Bartley, Derek Bartley Wilson & Associates, PLLC 

1703 Haleigh Terrace 37379 L187 on plan of fi nal plat of L172-176 and L178-201 Highridge Subd Soddy Daisy S&K09-016789 Thomas Smith & Alisha Smith Shapiro & Kirsch LLP 

122 Morningside Drive 37404 S11 ft L12, L13 N5 ft L14 B1 revised plat of Ferger Place Chattanooga S&K11-021738 Carl Striebeck & Madelyn Striebeck Shapiro & Kirsch LLP 

129 Alden Avenue 37405 L16 Biltmore Section No 2 Duncan Hills Chattanooga GI 8986/915 Kenneth Wood Wilson & Associates, PLLC 

2008 Windsor Street 37406 L3-4 B24 Missionary Heights Chattanooga GI 8197/293 Bettie Ringer, A. D. Ringer Wilson & Associates, PLLC 

5522 Old Mission Road 37411 L13 and Eastern portion ofL12 B A Brainerd Park Chattanooga Priscilla J Thomas And Michael O Thomas Foreclosure Expeditors/Initiators, LLC 

731 Sylvan Drive 37411 L39 B8 East Highlands Chattanooga S&K11-019827 Charles R. Hardy & Marilyn C. Hardy Shapiro & Kirsch LLP 

502 South Lovell Avenue 37412 L3-4 B15 revised Hamilton Place East Ridge S&K11-020362 Lee A. Poke & Jennifer Poke Shapiro & Kirsch LLP 

4117 Gayle Drive 37412 L11 Jacoway Subd Chattanooga S&K10-012673 Demetria S. Ware & Derrick Ware Shapiro & Kirsch LLP 

711 Belvoir Avenue 37412 L1 Joseph Add No 1 East Ridge GI 7658/286 Fallon B. Garrett Wilson & Associates, PLLC 

1213 Andrea Drive 37419 L2 Andrea Heights Subd Chattanooga Jerry Herbert Ginn A/k/a Jerry H Ginn, Jr Foreclosure Expeditors/Initiators, LLC 

2512 Allegheny Drive 37421 L14 Oak Shadows Subd Unit 1 Chattanooga Staci D Tipton Foreclosure Expeditors/Initiators, LLC 

7327 Edgefi eld Drive 37421 L99 Midfi eld Acres Unit 3 Chattanooga GI 7618/30 Linda T. Rodriguez, Jan Edward Rodriguez Wilson & Associates, PLLC 

1042 Thelmeta Avenue 37421 L22-A Engleton Heights Chattanooga GI 8542/929 George Terry Haupt, Jr. Wilson & Associates, PLLC 

2815 St. Lawrence Road 37421 L243 Yorktown Woods Unit 5 Chattanooga S&K11-017912 Ivy Jackson & Carl Jackson Shapiro & Kirsch LLP


Is a smart home the smart way to go? 

By Mike Trask 

The Daily Record Newswire 

� e house of the future is here. 

At least, that’s what one builder 

and a high-tech company believe. 

Automation has had a long 

presence at the workplace, less 

so in the home. � at is changing. 

Imagine having a home where 

with the touch of an iPad you can: 

• Lock all doors and activate 

the alarm system; 

• Tell you when your children 

get home from school while 

you’re at work and monitor the 

movements of aging parents; 

• Adjust the inside temperature 

of your house while you’re somewhere 

else; 

• Turn on all lights in the event 

of a fi re, and control ventilation 

if there is smoke or the carbon 

dioxide level rises; 

• Winterize your house while 

you’re away; 

• Alert the plumber when the 

sump pump fails; and, 

• Close the garage after you’ve 

gone to bed. 

“If it has an on/off switch, we 

can control it,” said Scott Mosher, 

sales director of � e SOHO 

Group, based in St. Charles. � e 

home system can be controlled 

using an Android, but Mosher 

said SOHO uses the iPad because 

it is more popular at present. 

About half of the company’s 

work comes from commercial 

clients, especially hotels. Of the 

remaining residential work, 90 

percent involves retrofi tting existing 

homes with the technology, 

said Bryan Jeff erson, SOHO’s cofounder. 

He said his company has 

systems in homes and facilities in 

47 states. 

“� e technology has been 

around quite some time, but the 

Daylight saving can be 

hazardous to your health 

Newswise 

It’s National Sleep Awareness Week, and Loyola University 

Health System sleep specialists are off ering advice on: -- Why 

Daylight Saving Time, which begins Sunday, March 11, can be 

hazardous to your health – and how to avoid coming to work or 

school on Monday sleep-deprived. – What to do if your sleeping 

pill causes strange behavior such as eating food or driving while 

asleep. – Dos and don’ts for insomniacs. National Sleep Awareness 

Week, March 5 - 11, is an annual public education and awareness 

campaign to promote the importance of sleep. It is held during 

the week leading up to the fi rst Sunday of Daylight Savings Time, 

which can be a diffi cult time for insomniacs. Loyola sleep specialists 

Sunita Kumar, MD, Nidhi Undevia, MD and Mari Viola- 

Saltzman, DO, off er these tips: 

Daylight Saving Time. On average, people go to work or school 

on the fi rst Monday of Daylight Saving Time after sleeping 40 

fewer minutes than normal. Researchers have reported there’s a 

higher risk of heart attacks, traffi c accidents and workplace injuries 

on the fi rst Monday of Daylight Saving Time. 

Many people already are chronically sleep-deprived, and Daylight 

Saving Time can make them even more tired for a few days. 

• In the days before the time change, go to bed and wake up 10 

or 15 minutes earlier each day. 

• Don’t nap on the Saturday before the time change. 

• To help reset your internal body clock, expose yourself to sunlight 

in the morning as early as you can. 

Strange sleep behavior. � e Food and Drug Administration 

has warned that sleeping pills, including Ambien, Lunesta and 

Sonata, can cause bizarre sleep-related behaviors, including sleepdriving, 

making phone calls and preparing and eating foods, with 

no memory the next morning. 

Loyola sleep specialists say they fi rst confi rm whether such 

behavior is due to sleeping pills or other causes, such as sleep 

apnea. � e behavior also may be due to taking more than one type 

of sleeping pill, combining it with alcohol or taking a higher-thanrecommended 

dose. 

Behavior such as driving a car or using a stove while asleep can 

be dangerous. � e Loyola specialists say that if the behavior is 

medication-related, they immediately stop the patient’s medication. 

Sleeping pills ideally are used on a short-term basis -- for 

example for episodes of acute insomnia or during times of acute 

stress. Cognitive behavioral therapy for insomnia is a researchproven, 

eff ective alternative for treatment of insomnia. Dos and 

Don’ts for Insomniacs. 

Do: Go to bed when you are sleepy, and get up and go to bed 

at the same time every day. Exercise – but not within two or three 

hours of bedtime. Read, take a hot bath or do some other relaxing 

activity before bedtime. If you can’t sleep, get out of bed and 

do something like reading or listening to music in another area of 

your home. 

Don’t: Eat or exercise within two or three hours of bedtime. 

Smoke, drink alcohol or consume anything with caff eine close to 

bedtime. Take long naps in the afternoon or early evening. Watch 

television in the bedroom. Watch TV, work on a computer or eat 

when unable to sleep. 

price has come down where you 

can put it into homes,” Mosher 

said. � e base price for retrofi tting 

a home is about $5,000, and 

the system can be upgraded at 

any point if the homeowner so 

desires, he said. 

At some point, demand for 

new homes will rise, so SOHO 

recently approached builder 

Tom Hughes about doing some 

work for him. The company 

retrofitted an existing house 

in T.R. Hughes’ St. Andrews 

development in St. Charles, and 

the builder was impressed to 

the point where he decided the 

remaining homes he puts up 

will include this technology at 

no extra cost to the buyer. 

To demonstrate to what extent 

the company can automate a 

home, Mosher pushes a button 

on his iPad and window blinds 

begin to open. � e blinds can be 

opened or closed, according to 

the owner’s needs or wants, hours 

before he gets home from work. 

“At some point, every new 

home is going to have technology,” 

Hughes said. He believes 

that in the near future “it’s going 

to be expected” by young home 

buyers. “It puts the house to bed 

and wakes it up in the morning,” 

he added. “� e bottom line is, it’s 

really cool.” 

Jeff erson said Hughes is the 

only builder his company is working 

with at present, although he 

expects that to change at some 

point. Some people may see this 

technology only as a convenience, 

another way to avoid getting out 

of the recliner or bed. But it can 

be extremely helpful to certain 

families, Jeff erson said. 

For example, Jeff erson said he 

sees demand for the technology 

coming from parents of physically 

disabled and autistic children. 

Also, an elderly person who is 

living alone could have his home 

retrofi tted so that the person’s 

son or daughter can tell whether 

the parent is home or not, or 

whether the visiting nurse arrived 

at the appointed time. 

“� e possibilities are endless,” 

Hughes said. 

So-called “smart homes” are 

by no means prevalent, but they 

are coming, said Patrick Sullivan, 

executive director of the Home 

Builders Association of Greater 

St. Louis and Eastern Missouri. 

“� at certainly is an emerging 

trend,” he said. 

Jeff erson said that until about 

a year ago, most of his company’s 

work was done outside Missouri. 

SOHO has offi ces in Texas, Tennessee 

and Iowa, and he said he 

is considering adding an offi ce in 

the Kansas City area. �


Optimistic outlook 

for apartment and 

condominium market 

RISMedia 

� e Multifamily Production Index (MPI), a leading indicator 

for the multifamily market recently released by the National 

Association of Home Builders (NAHB), showed steady improvement 

in the apartment and condominium housing market 

for a sixth consecutive quarter. 

� e MPI, which measures builder and developer sentiment 

about current conditions in the multifamily market on a scale 

of 0 to 100, increased from 47.3 in the third quarter to 48.9 in 

the fourth quarter – the highest reading since the fourth quarter 

of 2005. 

� e index provides a composite measure of three key elements 

of the multifamily housing market: construction of 

low-rent units, market-rate rental units and “for-sale” units, or 

condominiums. � e index and all of its components are scaled 

so that any number over 50 indicates that more respondents 

report conditions are improving than report conditions are 

getting worse. In the fourth quarter of 2011, the MPI component 

tracking builder and developer perceptions of marketrate 

rental properties recorded an all-time high of 64.3, while 

low-rent units increased as well to 55.5. For-sale units remained 

steady at 30.6. 

“� e apartment and condo sector continues to be a bright 

spot in the housing market, with the overall index at its highest 

level in six years,” says NAHB Chief Economist David Crowe. 

“� e rental components have been the driving force behind the 

increased index level. And although the for-sale component remains 

weaker, it is still double what it was just six quarters ago.” 

Although improvement has been shown in the multifamily 

segment, builders and developers say credit restrictions are 

aff ecting recovery. “Capital is limited in this current market, and 

developers are having a diffi cult time obtaining the credit needed 

to fi nance the development of new apartments,” says W. Dean 

Henry, president of Legacy Partners Residential in Foster City, 

Calif., and chairman of NAHB’s Multifamily Leadership Board. 

Looking forward to the next six months, builder and developer 

expectations improved in the fourth quarter for all 

three components: low-rent units, 57.0 (from 50.2 the previous 

quarter); market-rate rental units, 67.8 (from 67.2); and for-sale 

properties, 38.7 (from 37.3). 

� e Multifamily Vacancy Index (MVI), which measures 

the multifamily housing industry’s perception of vacancies, 

decreased from 35.1 in the third quarter to 34.7 in the fourth 

quarter. With the MVI, lower numbers indicate fewer vacancies. 

� e MVI has decreased two quarters in a row, and improved 

considerably since reaching a peak of 70.2 in the second 

quarter of 2009. 

Historically, the MPI and MVI have performed well as leading 

indicators of U.S. Census fi gures for multifamily starts and 

vacancy rates, providing information on likely movement in the 

Census fi gures one to three quarters in advance. 

FHA Continued from page 13 

Currently, 3.4 million households 

with loans endorsed on or 

before May 31, 2009, pay more 

than a fi ve percent annual interest 

rate on their FHA-insured mortgages. 

By refi nancing through this 

streamlined process, it’s estimated 

that the average qualifi ed FHAinsured 

borrower will save approximately 

$3,000 a year or $250 

per month. FHA’s new discounted 

prices assume no greater risk to 

its Mutual Mortgage Insurance 

(MMI) Fund and will allow many 

of these borrowers to refi nance 

into a lower cost FHA-insured 

mortgage without requiring additional 

underwriting. FHA-insured 

homeowners should contact their 

existing lender to determine their 

eligibility. 

Last month, the Obama Administration 

announced a broad 

package of actions and legislative 

proposals to help responsible 

homeowners save thousands of 

dollars through refi nancing. � is 

includes the changes announced 

today that will benefi t current 

FHA borrowers – particularly 

those whose loan value may 

exceed the current value of their 

home. By lowering monthly 

mortgage costs for home-owners, 

FHA hopes to help more borrowers 

stay in their homes, thereby 

decreasing the potential for future 

default and reducing losses to 

the Mutual Mortgage Insurance 

(MMI) Fund. 

� e changes outlined in today’s 

mortgagee letter apply to all 

mortgages insured under FHA’s 

Single Family Mortgage Insurance 

Programs except: 

• Title I 

• Home Equity Conversion 

Mortgages (HECM) 

• Section 247 (Hawaiian 

Homelands) 

• Section 248 (Indian Reservations) 

• Section 223(e) (Declining 

Neighborhoods) 

For more information, visit 

www.hud.gov. �� 

Today, women-owned businesses make up an increasingly signifi cant percentage of the nation’s contractors. But the 

industry still has a long way to go. (Photo provided) 

Women-owned construction 

firms on the rise 

despite public perception 

By Lee Fehrenbacher 

The Daily Record Newswire 

When Tara Kramer, owner 

of Ri Ky Roofi ng in Portland, 

entered the construction industry 

25 years ago, it wasn’t like it 

is today. 

“It was male-dominated, most 

defi nitely,” she said. “In fact, the 

company that I joined had 40 offi 

ces nationwide and they didn’t 

have any saleswomen.” 

A lot has changed. Today, 

women-owned businesses make 

up an increasingly signifi cant 

percentage of the nation’s contractors. 

But the industry still has 

a long way to go. 

Kramer began working for 

CentiMark Corp., a large commercial 

fl ooring and roofi ng 

company, as a corporate receptionist. 

On a daily basis, 

she would speak with salesmen 

around the nation and ask them 

about their jobs. She said she saw 

the glass ceiling as a challenge 

and decided she was going to do 

that job despite what people told 

her was possible. 

“You need to know more than 

your male counterparts,” Kramer 

said of the early advice she 

received from mentors. “It’s not 

(fair), but that’s just the way it’s 

going to be.” 

So she studied day and night 

to learn about the company’s 

products. When she went into 

meetings, she knew what ethylene 

propylene diene monomer 

was and could explain the chemical 

components of diff erent roofing 

membranes. 

Kramer soon became one of 

three women to join the company’s 

sales ranks and was the fi rst 

woman to open her own offi ce 

in Portland. Even then, she said, 

people underestimated her. 

“(I was) almost already set up 

for, ‘Hey, if it doesn’t work out … 

hey, you’re a woman,’ ” she said. 

Today, women-owned small 

businesses are one of the fastest 

growing segments of the U.S. 

economy. In 1972, fewer than 5 

percent of the nation’s companies 

were owned by women. In 2007, 

according to the most recent survey 

from the U.S. Census Bureau, 

nearly 29 percent of the approximately 

27 million U.S. fi rms were 

owned by women. 

But the number of womenowned 

construction fi rms 

remains comparatively small. In 

2007, only 5.94 percent of the nation’s 

employer companies were 

women-owned construction 

fi rms; 17 percent were maleowned 

construction fi rms. And 

that number for women-owned 

fi rms is only slightly higher than 

it was fi ve years earlier. 

Penny Pompei, executive 

director of Women Construction 

Owners and Executives, a 

national organization, said work 

still needs to be done to level the 

playing fi eld. 

“I think the biggest problem is 

public perception,” she said. 

Pompei said that people often 

think of women-owned construction 

companies as small 

painting or landscaping contractors. 

“If you tell them that womenowned 

construction companies 

build bridges and airports and 

high-rise buildings, and we have 

manufacturing companies that 

make the curtain wall systems 

that are used in high-rises … 

that’s where the surprise is,” she 

said. “It’s the perception that 

women don’t own major companies, 

when the reality is we have 

our fi ngers in everything.” 

� e construction industry 

was a natural fi t for Pompei. Her 

father was in the business and so 

she grew up around conversations 

about creating buildings. 

She started an architectural fi rm 

in the 1980s and later began 

a company called DKM Construction 

that specialized in 

constructing fi nancial buildings, 

hotels and casinos. 

For Pompei, the love of the job 

came from a feeling of ownership 

that many in the industry share. 

“� ere’s nothing like having a 

building that you know has your 

name on it,” she said. “It’s like 

carving your initials in a tree that 

you know is going to be there for 

100 years.” 

But even in 2012, Pompei said 

women still face discrimination 

when they walk into a bank and 

ask for a construction loan. She 

said bankers still wonder, “Who 

is behind you? Can we talk to 

your husband? Can we talk to 

your father?” 

Kramer, however, said she is 

accepted a lot more these days. 

“When (I) walk into a boardroom 

now, or a general contractor’s 

meeting, (I) don’t get that 

‘shock and awe’ look that I used 

to get,” she said. 

But she added that she understands 

it is a male-dominated 

industry. � e “good ol’ boys club” 

still exists and it probably always 

will, she said. 

But she doesn’t let that discourage 

her. 

Her roofi ng company, which 

opened for business in 2007 at 

the onset of the recession, now 

has offi ces in Oregon, Washington 

and Pennsylvania; expansion 

is planned for Hawaii and 

Arizona. She also has a separate 

solar panel installation company 

called Cool Planet Solar. All of 

that success has required hard 

work – 80 hours a week – as well 

as a love for building buildings 

and breaking down barriers. 

“It is a challenge,” she said. “It’s 

that ‘Don’t tell me I can’t do it, because 

then I’m going to do it.’ ” ��


Obama administration 

releases February 

Housing Scorecard 

RISMedia 

� e U.S. Department of Housing 

and Urban Development 

(HUD) and the U.S. Department 

of the Treasury this month released 

the February edition of the 

Obama Administration’s Housing 

Scorecard – a comprehensive 

report on the nation’s housing 

market. Data continues to show 

signs that the housing market is 

strengthening, although the recovery 

remains fragile. � e supply 

of new and existing homes on the 

market continued to decline last 

month. However, home prices 

dipped again as seasonal lows 

continued for the fourth month in 

a row. � e continued fragility of 

the housing market underscores 

the need for recently-announced 

expansions of assistance to 

help prevent foreclosures and 

strengthen hard hit communities. 

� e full Housing Scorecard is 

available online at www.hud.gov/ 

scorecard [2]. 

“Since April 2009, more than 

13 million homeowners have 

taken advantage of our refi nance 

programs. Following enhancements 

to the Home Aff ordable 

Refi nance Program, another 

300,000 families have already 

started the process of refi nancing 

and stand to save on average 

$2,500 per year – the equivalent 

of a good-sized tax cut. So the 

Administration’s eff orts have 

produced signifi cant positive benefi 

ts,” says HUD Assistant Secretary 

Raphael Bostic. “But 1 in 5 

Americans still owes more than 

their home is worth. � is lasting 

scar of the Great Recession 

driven by housing’s collapse is a 

clear sign that we are not yet out 

of the woods. � at is why we are 

asking the Congress to approve 

the President’s housing proposals 

so that more homeowners can 

receive assistance.” 

Included in this month’s Mak- 

GIVEAWAY Continued from page 13 

and spa services, courtesy of A 

Better You Day Spa; and a one 

thousand dollar Visa gift card from 

Air Systems Unlimited. Winners 

of the St. Jude Dream Home Giveaway 

and additional prizes will be 

drawn on Sunday, June 24, 2012 

on WRCB Channel 3. 

Only 7,500 tickets to win the 

St. Jude Dream Home Giveaway 

will be available. � ose who reserve 

their ticket by April 6, 2012 

will also be eligible to win a seven-night 

stay in a fi ve-bedroom 

rental in Orlando, Fla., courtesy 

of Quinn’s Vacation Homes. 

� e campaign benefi ts St. Jude 

Children’s Research Hospital in 

Memphis, Tenn. 

About St. Jude 

St. Jude Children’s Research 

ing Home Aff ordable Program 

Report are detailed assessments 

for the largest mortgage servicers 

participating in the program with 

results from the fourth quarter of 

2011. � e Servicer Assessments – 

fi rst introduced in June 2011 and 

published quarterly – have set a 

benchmark for disclosure around 

servicer eff orts to assist struggling 

homeowners. 

“� e Making Home Aff ordable 

Program has established critical 

standards that have changed the 

mortgage industry for the better, 

and the assessments have been a 

principal tool for measuring that 

progress,” says Treasury Assistant 

Secretary for Financial Stability 

Tim Massad. “By shining the 

spotlight on key practices, we 

have prompted servicers to improve 

their implementation of the 

Making Home Aff ordable Program. 

However, there is still more 

work to be done to ensure that 

the industry treats all borrowers 

properly. � e implementation of 

the broader standards required by 

the settlement, together with our 

continued compliance eff orts, will 

help bring this about.” 

� e standards established 

by the Making Home Aff ordable 

Program were also a guide 

for many of the servicing standards 

included in the historic 

$25 billion settlement recently 

announced between the federal 

government, 49 state Attorneys 

General and the fi ve largest mortgage 

servicers regarding mortgage 

servicing and foreclosure 

defi ciencies. 

Since inception of the Making 

Home Aff ordable Program, 

Treasury has required participating 

servicers to take specifi c 

actions to improve their processes 

through ongoing program 

reviews. � e latest Servicer 

Assessments summarize performance 

on metrics in three 

categories of program implemen- 

Hospital is recognized for its 

work in fi nding cures and saving 

children with cancer and other 

diseases. 

No child is ever denied 

treatment because of the family’s 

inability to pay. St. Jude is 

fi nancially supported by ALSAC, 

its fundraising organization. For 

more information, visit www. 

stjude.org. 

About Pratt 

Pratt Home Builders has developed 

over 30 home communities 

in Chattanooga, Tenn., Nashville, 

Tenn., Knoxville, Tenn., Savannah, 

Ga., and Tunica, Miss. � is 

is the fourth consecutive year 

Pratt is building the Chattanooga 

St. Jude Dream Home. 

Visit www.prattliving.com for 

more information. 

Source: ALSAC �� 

The U.S. Department of Housing and Urban Development says in its February report on the nation’s housing market that 

the housing market is growing stronger, although the recovery remains fragile. (Photo provided) 

tation: identifying and contacting 

homeowners; homeowner 

evaluation and assistance; and 

program reporting, management 

and governance. Results for the 

fourth quarter of 2011 show that 

servicers are focusing attention 

on areas identifi ed in previous 

program reviews and, as a result, 

are demonstrating considerable 

improvement in program implementation: 

• Mortgage servicers show continued 

improvement in calculating 

homeowner income, which is 

used to determine a homeowner’s 

eligibility and modifi ed payment 

amount under the program. 

• Servicers are more eff ectively 

evaluating homeowners under 

program eligibility criteria as 

performance in the “second look 

disagree” category, which refl ects 

the rate at which Treasury’s program 

reviews disagree with the 

servicers’ decision not to assist a 

homeowner, remains consistently 

below the established benchmark. 

As the Administration continues 

to push servicers to provide 

more eff ective assistance to struggling 

homeowners, the ongoing 

recovery of the housing market 

demonstrates the need for the 

Concept art of the Chattanooga St. Jude Dream Home. 

Administration’s eff orts. � e 

February Housing Scorecard features 

key data on the health of the 

housing market and the impact of 

the Administration’s foreclosure 

prevention programs, including: 

• Market data show progress 

on housing overhang and sales 

but continued fragility in home 

prices. � e supply of homes on 

the market continued to decline 

last month. At the current rate, 

it would take 6.1 months to turn 

over the supply of existing homes 

currently on the market – and 

just 5.6 months to turn over the 

stock of new homes for sale – the 

lowest inventory of homes for sale 

since 2006. Existing home sales 

continued to improve this month, 

reaching their highest pace since 

May 2010. However, home prices 

dipped again in December, as 

measured by the Case-Shiller 

index, as seasonal lows continued 

for the fourth month. 

• � e Administration’s foreclosure 

programs are providing 

relief for millions of homeowners 

as we continue to recover from 

an unprecedented housing crisis. 

More than 5.7 million modifi cation 

arrangements were started 

between April 2009 and the 

end of January 2012 – including 

nearly 1.8 million trial modifi cation 

starts through the Home 

Aff ordable Modifi cation Program 

(HAMP) and more than 1.2 

million FHA loss mitigation and 

early delinquency interventions. 

� e Administration’s programs 

continue to encourage improved 

standards and processes in the industry, 

with HOPE Now lenders 

off ering families and individuals 

more than 2.7 million proprietary 

mortgage modifi cations through 

January. 

• Homeowners entering 

HAMP demonstrate a high 

likelihood of long-term success 

in the program. As of January, 

more than 950,000 homeowners 

received a permanent HAMP 

modifi cation, saving more than 

$530 on their mortgage payments 

each month. Eighty-fi ve percent 

of homeowners entering the program 

in the last 19 months have 

received a permanent modifi cation, 

with an average trial period 

of 3.5 months. Homeowners in 

HAMP permanent modifi cations 

have saved an estimated $11 

billion to date. View the January 

Making Home Aff ordable Program 

Performance Report [3]. ��


(423) 698-8001 

Fax: (423) 698-8004 

FOUNDED IN 1912 

More open houses than any other source. www.GCAR.net 

Rally to protect the American dream 

A Message from 

NAR President Moe Veissi 

Our industry is facing a crucial 

moment. Never before in the 

history of our great nation have 

housing and real estate been 

forced to defend the benefi ts 

they provide our country. � e 

very foundation of civilization is 

no stronger, nor more enduring 

than the integrity of the homes on 

which they rest. 

We must have a sustainable, 

durable housing economy for generations 

to come. Congress and 

the President should see their job 

as bolstering the housing economy 

and strengthening our commitment 

to the country’s health. 

If the housing market continues 

to falter, the economy cannot fully 

recover. Over the next 18 months 

Congress will begin reshaping the 

role of housing in achieving the 

dream of owning a home. � at is 

what we are facing. REALTORS® 

have something to say about this. 

And this is our opportunity to 

ensure housing remains the fi ber 

that binds together the fabric of 

America. 

We are going to defend the 

American Dream from the doubters 

who say home ownership and 

real estate have run their course. 

� at is why we are holding the 

Rally to Protect the American 

Dream on May 17th in Washington, 

D.C. I am asking you to be 

there and stand with your fellow 

REALTORS® from every corner of 

America -- from Alaska to Illinois 

to Texas to Guam. 

We are going to show Congress 

that no one cares more about 

revitalizing real estate for future 

generations than REALTORS® do. 

It is critical that you register 

to let us know you are attending 

the rally. We want to plan a great 

event and make sure we have 

enough food, water, lunches, tshirts 

and buses. If you would like 

to come, simply go to our registration 

page at the Realtor Action 

Center: 

http://www2.realtoractioncenter.com/site/Calendar?view=Detai 

l&id=105342&AddInterest=5781 

Note that if you plan to stay 

longer than one day, NAR is 

not able to cover or reimburse 

for lodging expenses. However, 

if your room is over $300/ 

night, NAR will reimburse $100/ 

night up to two nights ($200) 

to help defray housing costs to 

attend. Simply bring your hotel 

confi rmation with your room 

rate and NRDS ID (members 

only) to the NAR Registration 

desk at the Marriott Wardman 

Park hotel, and NAR will initiate 

a refund. 

� is is our time. � is is our moment. 

We can’t do it without you. 

Join us. �� 

Upcoming knowledge opportunities for Realtors! 

Now is a great time to enhance your Realtor knowledge and skills through the many 

professional development courses off ered at Greater Chattanooga Association of Realtors. 

HOW TO REGISTER FOR A CLASS 

You may register for a class online (or check out what’s coming soon) by visiting our Web site at 

www.GCAR.net. In the middle of the page click on Realtor Courses or click on the Calendar at the 

top of the page. � e classes will be listed by date. Follow the onscreen directions to get more info, 

Register, or add to your calendar! 

All regular CE costs are $10 per credit hour for Realtors. Non-Realtors have diff erent pricing, 

please see the calendar. Designation & Certifi cation courses are priced diff erently. See the online 

registration for the prices of Designation & Certifi cation courses. 

You may also contact the Association offi ce for a printed form you can fi ll out and fax or email at 

your convenience. 

If you’re having trouble registering for a class, please contact Susan at the Association offi ce at 

423-698-8001 or via email at Susan@gcar.net. 

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 email or a fax. WRITTEN NOTICE IS REQUIRED. If we 

do not receive a cancellation, you will forfeit the cost of the class. If a class is FREE, we will assess a 

$30 “No Show” fee. 

Monday, March 19, 2012 

9 a.m. – 4 p.m. 

Short Sale Specialist 

Although we’ve been hearing over and over 

that distressed property sales are a huge part of 

today’s real estate market, pursuing short sales 

as a viable business option has been avoided by 

over 90 percent of real estate agents. Less than 

2 percent of those who venture into the short 

sale arena are successful. Yet, over the next fi ve 

years, it is predicted that 40-60 percent of all 

sales will be distressed, i.e. REO/Short Sale. 

What are you waiting on? Get in the game. With 

proper education and training, however, you 

can successfully close REOs and Short Sales. 

By participating in short sales, you will create a 

niche for yourself in the community, which will 

separate you from the competition and short 

sales create banking connections that my allow 

you to get into the REO business as well. 

Instructor: Cathy McDaniel 6 Hours 

TN & GA CE $60 for REALTORS - $120 for 

NON-REALTORS 

Tuesday, March 20 

9 a.m. – 4 p.m. 

Working with the Buyer – 

Short Sales, REOs, New Construction 

Realtors work hard to help people 

buy and sell homes, while also 

dedicating their time and eff orts to 

improve the quality of life in communities 

across the country. � e 

National Association of Realtors 

recognizes these Realtors who devote 

themselves to volunteer service 

through Realtor Magazine’s Good 

Neighbor Awards, which is currently 

accepting applications. 

Five winners will be announced 

in the November/December issue 

of Realtor Magazine. Each winner 

will be recognized at the 2012 Realtors 

Conference & Expo in Orlando 

and will receive a $10,000 grant 

for his or her charity. Winners will 

also receive travel expenses to the 

conference and national and local 

media exposure for their community 

cause. In addition to the winners, 

fi ve honorable mentions will each 

receive a $2,500 grant. 

“� is year marks the 13th annual 

Good Neighbor Awards,” said NAR 

President Moe Veissi, broker-owner 

of Veissi & Associates Inc., in Miami, 

Fla. “� e program is signifi cant 

not just because it spotlights members 

who have a strong commitment 

to helping others, but because 

it reminds us that Realtors build 

communities in more ways than 

one. � e awards signify the dedication 

and passion Realtors have for 

helping others in need.” 

Last year’s Good Neighbor 

Award winners contributed a 

combined total of more than 8,000 

hours to their causes and drew a 

standing ovation from more than 

6,000 Realtors and guests during 

the conference’s general session in 

Anaheim, Calif. � e 2011 winners 

were LeRoy J. Bendickson, Edina 

Realty, Edina, Minn., for National 

Multiple Sclerosis Society, Minnesota 

Chapter; Marta Karpiel, 

Alain Pinel Realtors, Carmel, Calif., 

for Freedom Fields USA; Vito A. 

Pampalona, Vito Anthony Homes, 

Rochester, Mich., for the Yellow 

Ribbon Fund; Judy Pitt, Wright 

Kingdom Inc., Boulder, Colo., for 

Kazi Yake (In His Hands); and 

Wayne J. Shaff er, Shaff er and Associates, 

Santa Cruz, Calif., for St. 

Francis Catholic Kitchen, Siena 

House Maternity Home, and Jesus 

Mary Joseph Home. 

Previous Good Neighbor Award 

winners say their charities benefi t 

from the grant money and the increased 

public exposure. “We don’t 

do what we do to get awards,” said 

2011 Good Neighbor Award winner 

2963 AMNICOLA 

HIGHWAY 

CHATTANOOGA, 

TENNESSEE 37406 

Realtor magazine seeking nominations 

for Annual Good Neighbor Awards 

2012 GCAR Officers and Board of Directors 

Mark Hite, President; Mark Blazek, President-Elect; Vicki Trapp, Secretary-Treasurer; Jennifer Grayson, Past President; Byron Kelly; 

Melissa Harrison; Russ Elliott; Fidel Fonseca, John Healy, Julie Chamberlain, Nathan Walldorf, Travis Close, Andy Hodes; Arnold Farmer; 

Brenda Pargeon; Gayle McMillen; Jennie Brockman; Mary Carlson; Francie Ryder, Executive Officer 

MLS Officers and Board of Directors 

Russ Elliott, President; Pam Duffy, President-Elect; Byron Kelly, Secretary-Treasurer; Dan Griess, Past President; Wells Eady; Jennifer Grayson; 

Andy Hodes; Julie Chamberlain; Mark Hite; Ben Pitts; Mark Blazek; Travis Close; Vicki Trapp; Nathan Walldorf 

LeRoy Bendickson, who won for 

his work with the National Multiple 

Sclerosis Society, Minnesota Chapter. 

“But the national attention that 

resulted from winning the Good 

Neighbor Award has increased 

awareness of the disease and I can 

see that the fundraising will be 

advanced and that this year’s team 

will be larger than ever. Now I look 

at awards diff erently—they can be 

a huge help in furthering the cause 

you are fi ghting for.” 

Good Neighbor Awards entries 

must be received by Friday, May 18, 

2012. For more details and a nomination 

form, call (800)874-6500, 

visit www.REALTOR.org/gna, or see 

the March/April issue of Realtor 

Magazine. 

Realtor Magazine’s Good Neighbor 

Awards is sponsored by Lowe’s 

and HouseLogic. In addition to the 

grant money, each winner will receive 

a $2,000 Lowe’s gift card and 

each honorable mention will receive 

a $1,000 Lowe’s gift card. 

Lowe’s has worked with customers 

to maintain and improve their 

homes since 1946. Lowe’s is proud 

to support the Good Neighbor 

Awards. Lowe’s is a proud supporter 

of Habitat for Humanity 

International, American Red Cross, 

SkillsUSA/SkillsCanada, and � e 

Nature Conservancy, in addition to 

numerous nonprofi t organizations 

and programs that help communities 

in North America. In 2009, 

Lowe’s and the Lowe’s Charitable 

and Educational Foundation together 

contributed more than $30 

million to support community and 

education projects in North America. 

Lowe’s also encourages volunteerism 

through the Lowe’s Heroes 

program, a company-wide employee 

volunteer initiative. Lowe’s, 

an NAR Realtor Benefi ts Partner, 

brings Realtors exclusive benefi ts to 

help build relationships with their 

customers, generate referrals and 

expand their client base. 

HouseLogic is a free source of 

information and tools from the National 

Association of Realtors that 

can help home owners make smart 

and timely decisions about their 

home. With content covering home 

improvement, maintenance, taxes, 

fi nance, insurance, and even ways to 

get involved in and enrich their community, 

HouseLogic can help home 

owners increase and protect the 

value of their home by helping them 

make confi dent decisions. 

Source : Nar �

Home staging gives sellers a leg up - Chattanooga Bar Association

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