NON-RESIDENT NOTICE
CAUSE NO. 2009-CH-260

IN THE CHANCERY COURT FOR CUMBERLAND COUNTY AT CROSSVILLE, TENNESSEE

CITIFINANCIAL, INC.
versus
LEEBERT KINDRED

In this cause, it appearing from the Affidavit which is sworn to, that the Defendant, Leebert Kindred, is a non-resident of the state of Tennessee, it is ordered by me that publication be made for four successive weeks, as required by law, in the Crossville, Chronicle, a newspaper published in Crossville, Tennessee, in said County, notifying said non-resident Defendants to file and answer with Plaintiff’s Attorney, Jason S. Mangrum, whose address is 8 Cadillac Drive, Suite 120, Brentwood, TN 37027, within 30 days from the date of last publication, exclusive of said last date of publication, or a judgment by default may be entered and the cause set for hearing ex parte as to said Defendant.

This 16th day of November, 2009.

SUE TOLLETT
Clerk & Master

CONNIE TURNER
Deputy Clerk and Master

NOTICE OF SUBSTITUTE TRUSTEE’S SALE
TENNESSEE, CUMBERLAND COUNTY

DEFAULT having been made in the terms, conditions and payments provided in certain Deed of Trust executed by Frederick N. Clark and Jacqueline C. Clark to Charles E. Tonkin II, Trustee dated January 5, 2007 in the amount of $250,000.00, and recorded in the Register's Office of Cumberland County, Tennessee in Deed Book 1252, Page 1097, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to Deutsche Bank Trust Company Americas as Trustee by assignment; and, Deutsche Bank Trust Company Americas as Trustee, as the current owner and holder of said Deed of Trust (the "Owner and Holder"), has appointed as Substitute Trustee the undersigned, Patrick A. Taggart, Laura A. Grifka, Sidney A. Gelernter, or J. Michael Dugan, any of whom may act, by instrument filed for record in the Register's Office of Cumberland County, Tennessee with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; therefore,

NOTICE is hereby given that the entire amount of said indebtedness has been declared due and payable as provided in said Deed of Trust by the Owner and Holder, and the undersigned as Substitute Trustee, or a duly appointed attorneys or agents, by virtue of the power and authority vested by the Appointment of Substitute Trustee, will on Thursday, December 10, 2009 commencing at 12:00 pm at the front entrance of the Cumberland County, Courthouse in Crossville, Tennessee; sell to the highest bidder for cash, immediately at the close of sale, the following property to-wit:

Lot 45 Trent Block Three Addition of Fairfield Glade as per plat recorded in Plat Book 8, Page 267, Registers Office, Cumberland County, Tennessee. Less and except oil, gas and other minerals. Subject to restrict covenants, limitations and conditions contained in the Declaration of Covenants and Restrictions as filed of record in Deed Book 99, Page 370, et seq., and amendments thereto, Registers Office, Cumberland County, Tennessee.

Being the same property conveyed to Frederick N. Clark by virtue of a Warranty Deed form Phillip E. Walker and Gail A. Walker, Trustees of the Philip E. Walker and Gail A. Walker Living Trust, dated January 8, 2007, of record in Book 1252, Page 1095, Registers Office, Cumberland County, Tennessee.

Map & Parcel No.: 065KE-015.00

PROPERTY ADDRESS: 27 Claremont Circle, Fairfield Glade, Tennessee 38558
CURRENT OWNER(S): Frederick N. Clark
SUBORDINATE LIENHOLDERS: The Phillip E. Walker and Gail A. Walker Living Trust, Dated March 7, 2001, Fairfield Glade Community Club
OTHER INTERESTED PARTIES: N/A

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, however, the undersigned will sell and convey only as Substitute Trustee.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property; as well as any prior liens or encumbrances as well as priority created by a fixture filing; and/or any matter that an accurate survey of the premises might disclose.

If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor and Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the sale will be subject to the applicable governmental entities` right to redeem the property, as required by 26 U.S.C ß 7425 and T.C.A. ß 67-1-1433.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust.

Substitute Trustee reserves the right 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.

Patrick A. Taggart, Laura A. Grifka, Sidney A. Gelernter, or J. Michael Dugan
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 08-15731 /CONV
Ad Run Dates: 11/20/2009, 11/25/2009, and 12/4/2009
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

TRUSTEE’S
NOTICE OF SALE

NOTICE is hereby given that on Monday, December 14, 2009, at the hour of 11:00 o'clock, A.M. at the Main Street entrance of the Cumberland County Courthouse in Crossville, Tennessee, the undersigned, as Trustee, under a deed of trust executed by CYNTHIA P. DYAL, dated July 23, 2003, of record at Book 1144, page 1107, et seq., Register's Office, Cumberland County, Tennessee, by reason of default in the payment of the obligation secured by said deed of trust and the performance of the covenants therein contained, and at the express direction of the true and lawful holder and owner of said promissory note secured by said deed of trust, will sell, at public auction, to the highest bidder for cash, or credit upon the indebtedness secured, at the option of the holder of the secured indebtedness if the holder is the successful bidder, the interest conveyed to said Trustee by virtue of said deed of trust, and the property therein described, which property lies in the THIRD CIVIL DISTRICT of Cumberland County, Tennessee, and is more particularly described as follows:
Beginning at an iron pin in the east margin of Highway 28, being the northeast corner of Norris; thence with the east margin of said road North 10° 59' 1" East, 186.42 feet to an iron pin being a southwest corner of Sandra Wyatt; thence leaving said road and with the south line of Sandra Wyatt South 70° 48' 53" East, 106.05 feet to an iron pin, being a southeast corner of Sandra Wyatt; thence South 70° 49' 29" East, 32.08 feet to an iron pin, being a southwest corner of Sandra Wyatt; thence with the south line of Sandra Wyatt South 76° 32' 47" East, 217.73 feet to an iron pin in the west line of Angela Roland; thence leaving the west line of Angela Roland South 48° 46' 09" West, 218.69 feet to an iron pin, being the northeast corner of Norris; thence with the north line of Norris North 74° 59' 35" West, 220.80 feet to the BEGINNING, containing 1.18 acres, more or less.

Being the same property conveyed to Cynthia P. Dyal by virtue of a deed dated August 28, 2000, from Town of Crossville Housing Authority of record at Book 1059, page 2305, Register's Office, Cumberland County, Tennessee.

The street or mailing address of the property is 2231 Old Highway 28, Crossville, Tennessee 38555. The property is identified in the records of the Assessor of Property for Cumberland County, Tennessee as Map 163, Parcel 13.04.

Other interested parties are: (1) Citifinancial, Inc. 1784 North Main Street, Crossville, Tennessee 38555, by virtue of a Deed of Trust dated June 24, 2008, executed by Cynthia P. Dyal to J. Shelton, Trustee, of record at Book 1296, page 1005, et seq., Cumberland County, Tennessee; and, (2) The Federal Home Loan Bank of Cincinnati, P. O. Box 598, Cincinnati, Ohio 45201-0598, by virtue of certain retention rights retained in a deed dated August 28, 2000, from Town of Crossville Housing Authority to Cynthia P. Dyal, of record at Book 1059, page 2305, Register's Office, Cumberland County, Tennessee.

HomeHom

This sale will be made in bar of the equity and right of redemption without warranty as to title or encumbrances for the purpose of paying the debt obligation secured by said deed of trust. Said sale shall be subject to any restrictions, reservations, conditions and liens of record applicable to said property, and is further subject to any County real property taxes against said property.
In the event the high bidder at the foreclosure sale should fail to comply with the submitted bid, the Trustee shall have the option to accept the next highest bid in which the bidder is able to comply or to readvertise and sell at a later date.
Pursuant to Tennessee Code Annotated ß35-5-104, as of the date of this Notice, there were no unreleased tax liens filed by the United States of America with respect to which the provisions of 26 U.S.C. ß7425(b) require notice to be given to the United States of America in order for the sale of the land thus advertised not to be subject to such lien or claim of lien of the United States of America or filed by the State of Tennessee with respect to which the provisions of Tennessee Code Annotated ß67-1-1433(b)(1) require notice to be given to the State of Tennessee in order for the sale of the land thus advertised not to be subject to such lien or claim of lien of the State of Tennessee, against Cynthia P. Dyal in the Register's Office of Cumberland County, Tennessee.
The right is reserved to adjourn the day of the sale to another date certain without further publication upon announcement at the time said above.

EXECUTED this 12th day of November, 2009.

JACK CHADWELL,
TRUSTEE

GPM located at 85 Birchwood Lane / 931-484-0809 will auction the contents of storage buildings

A-8 belonging to Tara Cross
B-34 belonging to James Jones
C-87 belonging to James Jones
B-49 belonging to Jack Atkins
for non-payment on
December 4, 2009 at 10 A.M.

NOTICE OF SUBSTITUTE
TRUSTEE’S SALE

WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated September 13, 2007, executed by Gary Hall and Suzanne Hall, conveying certain real property therein described to Rhonda Bundy-First American Title Insurance Company, as Trustee, as same appears of record in the Register's Office of Cumberland County, Tennessee recorded on September 27, 2007 at Book/Instrument No. 1275, Page 2366-2376; and
WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BAC Home Loans Servicing f/k/a Countrywide Home Loans Servicing, LP who is now the owner of said debt; and
WHEREAS, the undersigned, Everett L. Hixson, Jr., having been appointed by as Substitute Trustee by instrument to be filed for record in the Register's Office of Cumberland County, Tennessee.
NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Everett L. Hixson, Jr., as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on December 17, 2009 at 11:00 AM at the CUMBERLAND County courthouse door where the foreclosure sales are customarily held at the CUMBERLAND Courthouse, located in Crossville, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Cumberland County, Tennessee, to wit:

10-00991494

IN THE FIRST CIVIL DISTRICT OF CUMBERLAND COUNTY, TENNESSEE, BOUNDED AND DESCRIBED AS FOLLOWS:

BEING LOT NO. A-15, OF CAMELOT TWO SUBDIVISION, A PLAT OF WHICH APPEARS OF RECORD AT PLAT BOOK 7, PAGE 1, REGISTER’S OFFICE, CUMBERLAND COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE COMPLETE DESCRIPTION ACCORDING TO THE SURVEY OF JAMES THOMAS HALE, SURVEYOR, DATED MARCH 3, 1989.

BEING THE SAME PROPERTY CONVEYED TO SUZANNE HALL AND HUSBAND, GARY HALL AND JERRY ADKINS BY DEED FROM SUZANNE HALL, SURVIVING SPOUSE OF JERRY ADKINS RECORDED 11/08/2006 IN DEED BOOK 1246 PAGE 2413, IN THE REGISTER’S OFFICE OF CUMBERLAND COUNTY, TENNESSEE.

PROPERTY ADDRESS: The street address of the property is believed to be 59 Windermere Drive, Crossville, TN 38555. 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): Gary Hall and Suzanne Hall
OTHER INTERESTED PARTIES:

The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular us or purpose.

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Everett L. Hixson, Jr.,
Substitute Trustee
Rubin Lublin Suarez Serrano, LLC
One Park Place, Suite 380
6148 Lee Highway
Chattanooga, TN 37421
WWW.RUBINLUBLIN.COM/PROPERTY-LISTINGS.PHP
Tel: (888) 890-5309
Fax: (423) 296-1882

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 October 17, 2007, executed by Carol L. Hansen, conveying certain real property therein described to Robert M. Wilson, as Trustee, as same appears of record in the Register's Office of Cumberland County, Tennessee recorded on October 23, 2007 at Book/Instrument No. 1278, Page 427-437; and
WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing LP who is now the owner of said debt; and
WHEREAS, the undersigned, Everett L. Hixson, Jr., having been appointed by as Substitute Trustee by instrument to be filed for record in the Register's Office of Cumberland County, Tennessee.
NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Everett L. Hixson, Jr., as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on December 17, 2009 at 11:00 AM at the CUMBERLAND County courthouse door where the foreclosure sales are customarily held at the CUMBERLAND Courthouse, located in Crossville, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Cumberland County, Tennessee, to wit:

THE FOLLOWING DESCRIBED PROPERTY LOCATED IN THE 1ST CIVIL DISTRICT OF CUMBERLAND COUNTY, TENNESSEE:

SITUATED, LYING AND BEING IN THE FIRST (1ST) CIVIL DISTRICT OF CUMBERLAND COUNTY, TENNESSEE, AND BEING FURTHER DESCRIBED AS FOLLOWS:

BEING LOT NO. 22 OF CAMPBELL SUBDIVISION AND BEGINNING AT A STAKE IN THE EAST RIGHT-OF-WAY OF A 50 FOOT STREET; THENCE NORTH 57 DEGREES 15 MINUTES EAST 182 FEET TO A STAKE IN A FENCE LINE, SAID FENCE BEING THE ORIGINAL EAST LINE OF THE TRACT OF WHICH THIS IS A PART; THENCE SOUTH 32 DEGREES 45 MINUTES EAST WITH SAID ORIGINAL EAST LINE 150 FEET TO A STAKE IN SAME; THENCE SOUTH 57 DEGREES 15 MINUTES WEST PARALLEL TO THE FIRST LINE 182 FEET TO A STAKE IN THE EAST RIGHT-OF-WAY OF A 50 FEET STREET; THENCE NORTH 32 DEGREES 45 MINUTES WEST WITH SAID RIGHT-OF-WAY 150 FEET TO THE BEGINNING.

BEING THE SAME PROPERTY AS CONVEYED TO CAROL L. HANSEN BY DEED RECORDED 02/23/06 IN BOOK 1223, PAGE 1395.

PARCEL/TAX I.D. #: 125N-A-015.00

COMMONLY KNOWN AS: 53 CIRCLE DRIVE, CROSSVILLE, TN 38572

PROPERTY ADDRESS: The street address of the property is believed to be 53 Circle Drive, Crossville, TN 38572. 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): Carol L. Hansen
OTHER INTERESTED PARTIES:

The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular us or purpose.

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Everett L. Hixson, Jr.,
Substitute Trustee
Rubin Lublin Suarez Serrano, LLC
One Park Place, Suite 380
6148 Lee Highway
Chattanooga, TN 37421
WWW.RUBINLUBLIN.COM/PROPERTY-LISTINGS.PHP
Tel: (888) 890-5309
Fax: (423) 296-1882

THIS INSTRUMENT
PREPARED BY:
R.N. “BO” Taylor
Attorney at Law
305 Fourteenth Avenue, North
(615) 859-0060

SUBSTITUTE TRUSTEE’S
NOTICE OF FORECLOSURE
SALE

DEFAULT having occurred in the performing terms of a promissory note described and secured by a Deed of Trust of record in Book 1087, Page 1078, Register’s Office for Cumberland County, Tennessee; and executed on the 11th day of October, 2001, by Tammy S. Haynes, an unmarried person, conveying the property therein described to Thomas L. Bean, Trustee, to secure said indebtedness therein described to Oakwood Acceptance Corporation, LLC, a third party. Oakwood Acceptance Corporation, LLC having subsequently assigned said Deed of Trust to JP Morgan Chase Bank by instrument of record in Book 1101, Page 2196, said Register’s Office. JP Morgan Chase having subsequently assigned said Deed of Trust to Vanderbilt Mortgage and Finance, Inc. by instrument of record in Book 1329, Page 38, said Register’s Office. Vanderbilt Mortgage and Finance, Inc. executed an Appointment of Substitute Trustee, naming R.N. “BO” TAYLOR as Substitute Trustee, which Appointment of Substitute Trustee is of record in Book 1329, Page 40, Register’s Office for Cumberland County, Tennessee.
And DEFAULT having been made in the promising terms of said Deed of Trust, which contains the power to sell upon default, the owner and holder, in accordance with the terms of said Deed of Trust, hereby declares the entire debt due and payable and demands that the said R.N. “BO” TAYLOR, Substitute Trustee, sell the property in accordance with said Deed of Trust.
THEREFORE, notice is hereby given that I, R.N. “BO” TAYLOR, SUBSTITUTE TRUSTEE, by virtue of the power and authority vested in me by said Deed of Trust, will on December 9, 2009 at 10:00 a.m. at the front door of the Courthouse in Crossville, Cumberland County, Tennessee, sell at public outcry to the highest bidder for cash, and free from the equity of redemption, homestead, dower and all other exemptions of every kind, all of which are expressly waived in said Deed of Trust, the following land in Cumberland County, Tennessee, described as follows:

Lying and being in the THIRD CIVIL DISTRICT of Cumberland County, Tennessee, bounded and described as follows:

Map 184D, Group A, Parcel 25.00
Being Lot No. 18, Section No. Galway 1 of Breckenridge Subdivision, as shown on plat of same of record in the Register’s Office of Cumberland County, Tennessee, in Plat Book 8, Page 136, and reference is hereby made to said plat for a more complete metes and bounds description of
said property.

The property described herein is conveyed subject to the restrictive covenants set out in an instrument of record in the aforesaid Register’s Office in Deed Book 236, Page 410, and all mineral reservations.

Being the same property conveyed unto Tammy S. Haynes by virtue of a Warranty Deed dated October 11, 2001 from Larry West and wife, Louise West, of record in Book 1087, Page 1076, Register’s Office, Cumberland County, Tennessee.

There is also hereby included a 2002 Homes by Oakwood Mobile Home, Model 1033, Serial No. HOTN12C11388AB.

This property includes a 2002 Homes by Oakwood Mobile Home, Model 1033, Serial No. HOTN12C11388AB which was purchased under an installment contract-security agreement which evidences the deed and which will stay with the land. The sale of this property is pursuant to Section 9-604 of the Uniform Commercial Code and Tennessee Code Annotated 47-9-604.
The sale of the above-described property shall be subject to all matters shown on any recorded plan; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any
prior liens or encumbrances as well as any priority created by a
fixture filing; and any matter that an accurate survey of the premises might disclose. Said sale will be in bar of the right and equity of redemption, homestead and dower, but subject to all tax and prior liens of record in the Register's Office for Cumberland County, Tennessee, which are applicable to this property and unpaid real estate taxes, if any.
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 sale held pursuant to this Notice may be rescinded at the Substitute 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.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Dated, this 5th day of November, 2009.


R.N. “Bo” Taylor, Substitute TrusteeAttorney at Law 305 Fourteenth Avenue, North Nashville, Tennessee
(615) 859-0060

LEGITIMATE JOB placement firms that work to fill specific positions cannot charge an upfront fee. For free information about avoiding employment service scams, write to the Federal Trade Commission, Washington, D.C., 20580 or call the National Fraud Information Center, 1-800-876-7060. This message is a public service of the Crossville Chronicle & Glade Sun.

NOTICE OF SUBSTITUTE TRUSTEE'S SALE
TENNESSEE,
CUMBERLAND COUNTY

DEFAULT having been made in the terms, conditions and payments provided in certain Deed of Trust executed by Janice M. Reed and Steve A. Reed to Provident Title Company, Inc., Trustee dated March 27, 2006 in the amount of $105,600.00, and recorded in the Register's Office of Cumberland County, Tennessee in Deed Book 1227, Page 1057, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to U.S. Bank National Association as Trustee for RASC 2006KS4 by assignment; and, U.S. Bank National Association as Trustee for RASC 2006KS4 , as the current owner and holder of said Deed of Trust (the "Owner and Holder"), has appointed as Substitute Trustee the undersigned, Patrick A. Taggart, Laura A. Grifka, Sidney A. Gelernter, or J. Michael Dugan, any of whom may act, by instrument filed for record in the Register's Office of Cumberland County, Tennessee with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; therefore,

NOTICE is hereby given that the entire amount of said indebtedness has been declared due and payable as provided in said Deed of Trust by the Owner and Holder, and the undersigned as Substitute Trustee, or a duly appointed attorneys or agents, by virtue of the power and authority vested by the Appointment of Substitute Trustee, will on Thursday, December 3, 2009 commencing at 12:00 pm at the front entrance of the Cumberland County, Courthouse in Crossville, Tennessee; sell to the highest bidder for cash, immediately at the close of sale, the following property to-wit:

The following described property: In the Third Civil District of Cumberland County, Tennessee, bounded and described as follows: BEGINNING on an iron pin at the base of a power pole at the corner of Howard Bruce Green; thence South 44 deg. 45 min. 00 sec. East 559.82 feet to an iron pin in the line of Harold Tollett; thence South 17 deg. 39 min. 38 sec. West 50.61 feet to an iron pin in the North right of way of Hassler Road; thence with the North right of way of said road the following calls: North 87 deg. 18 min. 52 sec. West 177.06 feet; North 83 deg. 09 min. 44 sec. West 63.10 feet; North 74 deg. 36 min. 27 sec. West 60.07 feet; North 71 deg. 07 min. 35 sec. West 217.29 feet to a point in the North right of way of Hassler Road and in the East right of way of Highway 127; thence with the East right of way of Highway 127 North 19 deg. 49 min. 40 sec. East 364.90 feet to the beginning, containing 2.61 acres more or less, as per survey dated August 16, 1990 by James Thomas Hale, Tennessee RLS No. 367, 402 E. Penfield St., Crossville, TN 38555.

Municipal Address: 926 Pine Ridge Circle, Crossville, TN 38555.
Tax Parcel Number: 185 55 03.

Map & Parcel No.: 185-055.00

PROPERTY ADDRESS: 926 Pine Ridge Circle, Crossville, Tennessee 38555
CURRENT OWNER(S): Steve A. Reed and Janice M. Reed
SUBORDINATE LIENHOLDERS: Cumberland Medical Center
OTHER INTERESTED PARTIES: N/A

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, however, the undersigned will sell and convey only as Substitute Trustee.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property; as well as any prior liens or encumbrances as well as priority created by a fixture filing; and/or any matter that an accurate survey of the premises might disclose.

If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor and Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the sale will be subject to the applicable governmental entities` right to redeem the property, as required by 26 U.S.C ß 7425 and T.C.A. ß 67-1-1433.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust.

Substitute Trustee reserves the right 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.

Patrick A. Taggart, Laura A. Grifka, Sidney A. Gelernter, or J. Michael Dugan
McCurdy & Candler, L.L.C.
(404) 373-1612
www.mccurdycandler.com
File No. 08-07778 /CONV
Ad Run Dates: 11/11/2009, 11/18/2009, and 11/25/2009
THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Scarlett’s 24 Hour Towing, LLC will sell at public auction the following vehicle(s) for storage & wrecker charges 8:30 a.m. on Wednesday, December 9, 2009 at 1309 Genesis Road.

2001 Volkswagen Jetta
VIN# 3VWSC29M51M032553

2002 Ford Focus
VIN# 3FAFP31392R168437

SUBSTITUTE TRUSTEE'S
NOTICE OF FORECLOSURE SALE

Default having been made in the terms, conditions, and payments provided in a certain Deed of Trust dated MAY 25, 2006, executed by JEFFERY L. TABOR AND MELISSA G. TABOR (A/K/A MELISSA TABOR), HUSBAND AND WIFE, to CHARLES E. TONKIN, II, Trustee, of record in BOOK 1232, PAGE 2345, AS RE-RECORDED IN BOOK 1243, PAGE 937, in the Register's Office for CUMBERLAND County, Tennessee and to J. PHILLIP JONES, appointed as Substitute Trustee in an instrument of record in the Register's Office for CUMBERLAND County, Tennessee, to secure the indebtedness described, the entire indebtedness having been declared due and payable by TENNESSEE HOUSING DEVELOPMENT AGENCY BY AND THROUGH ITS SERVICER AND AUTHORIZED AGENT, U.S. BANK, NATIONAL ASSOCIATION, as provided in said Deed of Trust, I, J. PHILLIP JONES, will by virtue of the power and authority vested in me as Substitute Trustee, on THURSDAY, DECEMBER 10, 2009, AT 11:00 A.M., AT THE FRONT DOOR OF THE CUMBERLAND COUNTY COURTHOUSE, IN CROSSVILLE, CUMBERLAND COUNTY, TENNESSEE, sell to the highest bidder for cash, free from the equity of redemption, homestead, and dower, and all other exemptions which are expressly waived, and subject to any unpaid taxes, if any, the following described property in CUMBERLAND County, Tennessee, to wit:

PROPERTY LOCATED IN THE COUNTY OF CUMBERLAND, TENNESSEE:
IN THE FIRST CIVIL DISTRICT OF CUMBERLAND COUNTY, TENNESSEE, BOUNDED AND DESCRIBED AS FOLLOWS:
BEGINNING AT A STAKE IN C.C. DAVIS’S NORTHWEST BOUNDARY LINE WHERE SAME CROSSES THE WEST RIGHT OF WAY TO A COUNTY ROAD; THENCE WITH SAID RIGHT OF WAY NORTH 10 DEG. 54 MIN. 38 SEC. WEST 100 FEET TO A STAKE; THENCE LEAVING SAID RIGHT OF WAY SOUTH 68 DEG. 22 MIN. 42 SEC. WEST 271.55 FEET TO A STAKE; THENCE SOUTH 10 DEG. 40 MIN. 05 SEC. EAST 108 FEET TO A STAKE IN DAVIS’ NORTHWEST BOUNDARY LINE; THENCE WITH SAID LINE NORTH 66 DEG. 45 MIN. EAST 273.6 FEET TO THE BEGINNING.

BEING THE SAME PROPERTY CONVEYED TO JEFFERY L. TABOR, AND WIFE MELISSA TABOR (A/K/A MELISSA G. TABOR), HUSBAND & WIFE, BY SPECIAL WARRANTY DEED DATED MAY 3, 2006, OF RECORD IN BOOK 1232, PAGE 2343, IN THE REGISTER’S OFFICE OF CUMBERLAND COUNTY, TENNESSEE.

SEE ALSO, SCRIVENER’S AFFIDAVIT, DATED SEPTEMBER 19, 2006, OF RECORD IN BOOK 1243, PAGE 936, IN THE REGISTER'S OFFICE OF CUMBERLAND COUNTY, TENNESSEE.

THIS IS IMPROVED PROPERTY KNOWN AS 460 DEATHRIDGE ROAD, CROSSVILLE, TENNESSEE 38555.

MAP 114 PARCEL 020.16

THE SALE OF THE SUBJECT PROPERTY IS WITHOUT WARRANTY OF ANY KIND, AND IS FURTHER SUBJECT TO THE RIGHT OF ANY TENANT(S) OR OTHER PARTIES OR ENTITIES IN POSSESSION OF THE PROPERTY.

THIS SALE IS SUBJECT TO ANY UNPAID TAXES, IF ANY, ANY PRIOR LIENS OR ENCUMBRANCES LEASES, EASEMENTS AND ALL OTHER MATTERS OF RECORD INCLUDING BUT NOT LIMITED TO THE PRIORITY OF ANY FIXTURE FILING. IF THE U.S. DEPARTMENT OF THE TREASURY/ INTERNAL REVENUE SERVICE, THE STATE OF TENNESSEE DEPARTMENT OF REVENUE, OR THE STATE OF TENNESSEE DEPARTMENT OF LABOR AND WORK FORCE DEVELOPMENT ARE LISTED AS INTERESTED PARTIES IN THE ADVERTISEMENT, THEN THE NOTICE OF THIS FORECLOSURE IS BEING GIVEN TO THEM, AND THE SALE WILL BE SUBJECT TO THE APPLICABLE GOVERNMENTAL ENTITIES RIGHT TO REDEEM THE PROPERTY, ALL AS REQUIRED BY 26 U.S.C. 7425 AND T.C.A. 67-1-1433.

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. THE TRUSTEE/SUBSTITUTE TRUSTEE RESERVES THE RIGHT TO RESCIND THE SALE

IN THE EVENT THE HIGHEST BIDDER DOES NOT HONOR THE HIGHEST BID WITHIN 24 HOURS, THE NEXT HIGHEST BIDDER AT THE NEXT HIGHEST BID WILL BE DEEMED THE SUCCESSFUL BIDDER.

OTHER INTERESTED PARTIES: MELISSA TABOR (A/K/A MELISSA G. TABOR)

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

This day, November 9, 2009. This is improved property known as 460 DEATHRIDGE ROAD, CROSSVILLE, TENNESSEE 38555.

J. PHILLIP JONES,
Substitute Trustee

J. PHILLIP JONES,
SUBSTITUTE TRUSTEE
SUITE C-205,
NASHVILLE HOUSE
ONE VANTAGE WAY
NASHVILLE, TN 37228
(615) 254-4430

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 April 20, 2005, executed by Shareen Marie Ortiz Welsh, conveying certain real property therein described to ReconTrust Company, N.A, as Trustee, as same appears of record in the Register's Office of Cumberland County, Tennessee recorded on May 23, 2005 at Book/Instrument No. 1198, Page 490-503; and
WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to The Bank Of New York Mellon FKA The Bank Of New York As Trustee For The Certificateholders Of CWABS 2005-06 who is now the owner of said debt; and
WHEREAS, the undersigned, Everett L. Hixson, Jr., having been appointed by as Substitute Trustee by instrument to be filed for record in the Register's Office of Cumberland County, Tennessee.
NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Everett L. Hixson, Jr., as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on December 17, 2009 at 11:00 AM at the CUMBERLAND County courthouse door where the foreclosure sales are customarily held at the CUMBERLAND Courthouse, located in Crossville, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Cumberland County, Tennessee, to wit:

LYING AND BEING IN THE FIRST CIVIL DISTRICT OF CUMBERLAND COUNTY, BOUNDED AND DESCRIBED AS FOLOWS: MAP 1121, GROUP K, PARCEL 4.00 AND 3.00 BEING LOTS NOS. 200 AND
201 AS THE IDE A. WEST HILLS AS ABOVE BY PLAT #2 OF HIDE -A- WAY TITLE, RECORDED IN PLAT BOOK 3, PAGE 6, REGISTERS OFFICE, CUMBERLAND COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HERE MADE FOR A MORE COMPLETE DESCRIPTION.

PROPERTY ADDRESS: The street address of the property is believed to be 225 Sycamore Drive, Crossville, TN 38555. 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): Shareen Marie Ortiz Welsh
OTHER INTERESTED PARTIES: United State of America, Dept. of the Treasury, Internal Revenue Service (3)

The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular us or purpose.

In addition this sale shall be subject to the right of redemption by the UNITED STATES OF AMERICA, pursuant to 26 U.S.C. 7425(d)(1) by reason of the following tax lien(s) of record in: Book 1259, Page 201; Book 1267, Page 1158; Book 1270, Page 1745. Notice of the sale has been given to the UNITED STATES OF AMERICA in accordance with 26 U.S.C. 7425(b).

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Everett L. Hixson, Jr.,
Substitute Trustee
Rubin Lublin Suarez Serrano, LLC
One Park Place, Suite 380
6148 Lee Highway
Chattanooga, TN 37421
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