Bringing order tangled web I - Chattanooga Bar

Volume 104 | No. 46

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CHATTANOOGA, HAMILTON COUNTY, TENNESSEE

November 17 – 23, 2017

UT-CHATTANOOGA

Rare rebuild for Mocs basketballFans expect Jim Foster’s teams to perform at high level. As they should.

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REAL ESTATE

Realtor flips her own misfortuneCrye-Leike’s Donna Darnes turns tragedy into success with hard work.

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Find Public Notices inside & online: www.HamiltonCountyHerald.com

See 50 YEARS, page 22

INSIDE■ FINANCIAL FOCUS P10

■ REAL ESTATE P13

What was going on in Chattanooga in 1967?Saturday, Nov. 18

� e management of Standard-Coosa-� atcher Co. of Chattanooga and Talon Inc. of Meadville, Pennsylvania, two of the largest concerns in their re-spective fi elds in the United States, are discussing plans for a merger. � is was re-vealed by R. C. � atcher Jr., S-C-T president, in letters to stockholders.

Jeanne Suggs, Notre Dame High School senior, was crowned Chattanoo-ga’s Junior Miss for 1968 at East Ridge Town Hall. Suggs, the daughter of Dr. and Mrs. Charles L. Suggs, was in competition with 11 other area high school seniors and will represent Chattanooga in the Ten-nessee Junior Miss Pageant in January.

Sunday, Nov. 19Rt. Rev. John Vander

Horst, Episcopal bishop of the Diocese of Tennessee, dedicated and blessed the new location of Senter School at 900 Vine St. A reception followed the dedication. Mrs. Virginia Mack is principal and W. R. Senter is president of the school.

By Nancy Henderson

n high school, intellec-tual property attorney Autumn Witt Boyd took lessons to sharp-en her lyrical soprano voice, performed in theater productions and

dreamed of being an opera singer with its “big production and the

makeup and the costumes and the stage names.”

She also loved the idea of being a news hound, so at Indiana Univer-sity, she majored in journalism and English and worked for the student newspaper, editing the opinion page, copyediting and writing articles while still entertaining the possibility of a musical career. But she soon learned that neither vocation was as glamor-ous as she’d envisioned.

“I kind of saw what it actually looked like to be an opera singer, and

it’s a very traveling life,” says Boyd, 37. “I also realized that I wasn’t

that good, which is a good lesson to learn early. I am not a super-star.”

Today, Boyd’s stage is helping business owners and others understand that just because something is on the internet does not mean it is in the public domain. She

See BOYD, page 3

BOYD’S NICHE:

Bringing order to

tangled web

I

Photograph by Alex McMahan

We are thankful and humbledfor the opportunity

to serve asyour title company.

May your home be fi lledwith happiness this Thanksgiving!3 LOCATIONS:

Downtown |Northgate |Ooltewah423-756-0911

www.milliganreynolds.com

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Chattanooga Bar Association | The Pioneer Building | Suite 420 | 801 Broad Street | Chattanooga, TN 37402 | 423-756-3222 | Fax: 423-265-6602 | www.chattanoogabar.org

Linda Minks HoodEXECUTIVE DIRECTOR

Bar Association

Executive CommitteeWilliam G. Colvin

PRESIDENT

Lee DavisPRESIDENT-ELECT

Steven M. JacowaySECRETARY

John C. HarrisonTREASURER

Honorable Christie M. Sell

PAST PRESIDENT

Board of GovernorsBarret S. Albritton

Sheri FoxMarc Harwell

George G. HixsonJeffrey W. Maddux

Jimmy RodgersBrittany T. Faith

YLD REPRESENTATIVE

Ex-Officio MemberThe Honorable Pamela

FleenorJUDICIAL REPRESENTATIVE

News and notes from the

Chattanooga Bar Association

2 | November 17 – 23, 2017 Hamilton County Herald www.hamiltoncountyherald.com

Chambliss welcomes paralegal to real estate group

Rachel Allred has joined Chambliss, Bahner & Stophel’s Commercial Real Estate and Busi-ness Sections as its newest paralegal.

“We’re pleased to welcome Rachel to our real estate team,” says Michael Stewart, real estate section chair and shareholder at Cham-bliss. “Rachel has a well-rounded skill set, and she brings a broad range of real estate and transactional experience to the Chambliss team. � e addition of Rachel will allow our fi rm to continue to serve our clients in an eff ective and effi cient manner.”

Allred assists clients with the acquisition, development, management and leasing of commercial real estate properties by drafting agreements, reviewing title and assisting with due diligence. She also works in the Business Sector assisting clients with forming, growing or dissolving their businesses and researching tax and corporate compliance matters.

She previously worked as a legal clerk in transactional law for Apperson Crump in Memphis. In this position, Allred assisted with

commercial real estate acquisitions and dis-positions, representing buyers and sellers in multi-million-dollar hotel, multi-family and commercial retail developments.

Allred earned a Juris Doctor degree from the University of Memphis Cecil C. Humphreys School of Law. During her time at the univer-sity, Allred received the CALI Award for the Elder Law Clinic, awarded to the highest scoring student in the program. Allred also graduated from Vanderbilt University with a bachelor’s degree in human and organiza-tional development and a minor in corporate strategy.Source: Chambliss, Bahner &

Stophel

Attorney Art Grisham will discuss addictions, dysfunction aids, anger management and more during “In Quality We Trust: Balancing Life & Work in the Practice of Law,” his 23rd quality of life seminar.

Julian Kaufman, owner of Forte Fitness, and Julie Baumgardner, pres-ident and CEO of First � ings First, will join him.

Presented by the Chattanooga Bar Association, the seminar will take place Tuesday, Dec. 5, 8:30-11:45 a.m. on the 17th fl oor of Liberty Tower. Registration and breakfast will begin at 8 a.m. Attendees will earn three hours of dual CLE. � e cost is $95 for CBA members and $135 for non-members.

“You will learn how to create a plan of action that will enable you to make changes that will create a life which combines the essential elements of joy, meaning, health and healthy relationships,” Grisham says.

Kaufman will provide tips on how

to stay healthy in the practice of law. Baumgardner will talk about how to promote values-based solutions and provide support that advances one’s eff ectiveness.

Topics to be discussed include: the top 10 reasons lawyers get in trouble with the Board of Professional Re-sponsibility; dysfunctionality versus serenity; artifi cial aids to dysfunction-ality (alcohol, nicotine, caff eine and drugs); all-natural dysfunctionality

(co-dependency, anger and worka-holism) and achieving integrity and serenity.

Grisham was educated in the public schools of East Tennessee and received both his undergraduate and law degrees from the University of Tennessee. He is a member of the American, Tennessee and Chatta-nooga Bar Associations. Grisham served as president of the latter in 1981. He is a frequent lecturer in

continuing legal education programs.Kaufman earned his B.A. degree in

health and exercise science from Fur-man University. He went on to earn a master’s degree from Covenant College in curriculum and instruc-tion. Kaufman is certifi ed through the National Strength and Conditioning Association as a certifi ed strength and conditioning specialist. He also holds certifi cation from USA Track and Field.

Baumgardner has worked in the fi elds of marketing and counseling for over 20 years. She frequently speaks on family, parenting and marriage issues. Baumgardner serves on the boards of several community and national organizations. She currently serves as chair of the National Asso-ciation of Relationship and Marriage Education. Baumgardner and her husband, Jay, have been married for 22 years and have a 19-year-old daughter, Ashley.

Source: CBA

Grisham to present quality of life CLE seminar

Grisham Baumgardner Kaufman

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www.hamiltoncountyherald.com Hamilton County Herald November 17 – 23, 2017 | 3

runs her legal business online and focuses on other online businesses, many run by women. Boyd also has a podcast, so it’s been an interesting journey for the Chattanoogan. A lawsuit against publishing titan Mc-Graw-Hill added to the adventure.

Lots of questionsHalfway through college, it

occurred to Boyd that journalism would require a lot of moving, at least during the early years as she estab-lished herself in increasingly larger markets.

“So, I looked at what my skills were and the things that I enjoy,” she says. “I really liked the writing and the research and interviewing people. I love talking to people. It’s one of my favorite parts of the job.

“My husband fusses with me,” she adds, grinning. “He says I ask too many questions, all the time. … So, I looked at what other jobs might use those skill sets, and law seemed to me like it could be a good fit.”

In 2004, the Tennessee native – she’s lived from Murfreesboro to Memphis – graduated at the top of her class at Vanderbilt University Law School with awards in entertain-ment and criminal law. Despite her background in music and theater, she steered away from entertainment law because it focused so much on re-viewing contracts and “seemed kind of boring. Litigation, when you’re in law school, seems much more flashy and fun.”

Boyd accepted a clerkship with Judge Curtis L. Collier in the United States District Court for the Eastern District of Tennessee, the federal court in Chattanooga, and moved to the Scenic City, which she’d only visited once before. A job was waiting for her in Nashville, so she thought she’d be leaving when the stint ended. “But I just totally fell in love with Chattanooga,” she explains.

After two years of writing first drafts of opinions, managing civil and criminal case dockets and assisting in

BOYD From page 1

�e Tennessee Board of Law Examiners has filed a petition with the Supreme Court of Tennessee to adopt the Uniform Bar Examination, which would be a major change in the portability of bar exam results for aspiring Tennessee attorneys.

�e UBE is a nationwide test that has been adopted by 28 states and allows takers to transfer scores between states. Currently, Tennessee lawyers needing to obtain a license in another state had to meet waiver requirements, which often include a significant experience component or the need to retake the bar exam in that state.

�e proposal would allow UBE scores earned in Tennessee to be used to become licensed in other states. In addition, attorneys from other states utilizing the UBE could petition for admittance in Tennessee based on those results.

“Lawyers are more mobile than they once were. No longer do lawyers settle in one state and practice in that state until retirement,” said Jeffrey Ward, president of the Tennessee Board of Law Examiners. Multi-juris-dictional or cross-border practice is more common, particularly in Ten-nessee, where we border more states than any other state in the Union. �is can be seen in the increase in applications for admissions without examination in recent years.”

Between 2012 and 2016, TBLE saw a 90.4 percent increase in requests for admission without examination and a 218 percent increase in in-house counsel registration applications. In Tennessee, to be eligible for admis-sion without exam, lawyers must be in good standing in at least one other jurisdiction and have at least five to seven years of experience. �e pro-posal would provide more mobility for younger, or more recently admit-ted, attorneys.

“Adopting the Uniform Bar Exam makes sense for several reasons. Any

lawyer who successfully completes the UBE will be able to move more readily from jurisdiction to jurisdic-tion,” said Alberto Gonzales, dean and Doyle Rogers Distinguished Pro-fessor of Law at Belmont University College of Law.

“Additionally, while the Tennessee Board of Law Examiners does a good job with the Tennessee Bar Exam, adoption of the UBE will, on balance, result in higher quality bar exam essay questions. Finally, with the UBE, applicants will have access to published quality model or selected exam answers, which should help them be better prepared to take the bar exam.”

�e UBE is prepared and coordi-nated by the National Conference of Bar Examiners and consists of three parts: the Multistate Bar Examination (MBE), which includes 200 multiple choice questions; two Multistate Per-formance Test (MPT) tasks, which are 90-minute exercises testing basic lawyering skills; and six Multistate Essay Examination (MEE) questions.

�e current Tennessee Bar Exam uses the MBE multiple choice ques-tions, one MPT task and nine Ten-nessee-specific essay questions. �e nine essay questions are prepared and graded locally. One benefit of using the MEE essay questions is the vast amount of testing and resources that go into developing each question – something that’s hard to duplicate on a small scale, according to the petition.

If the proposal is accepted, the MEE questions would still be graded by local Tennessee attorneys.

Opponents of the UBE often express concern that the examination lacks an ability to emphasize or test on local laws and procedures, which can vary from state-to-state, especial-ly in the areas of civil and criminal procedure, real estate and wills, trusts and estates. To address this concern, the proposal recommends instituting

a mandatory, post-admission local law course.

Lawyers are already required to take continuing legal education every year to maintain a license. �e petition requests that the UBE be adopted beginning with the July 2018 administration of the Tennessee Bar examination.

In the region, Alabama, Missouri, West Virginia and South Carolina have adopted the UBE. �e North Carolina Board of Law Examiners voted to adopt the UBE effective Feb-

ruary 2019, but the proposal has not yet been accepted by the Supreme Court of North Carolina.

�e Tennessee proposal is now open for public comment (www.tnble.org/news/board-files-petition-amend-rule-7-adopt-ube-comments-due-1-5-2018), which will be accept-ed until Jan. 5, 2018. �e comments will be reviewed by the Supreme Court of Tennessee before a final decision is made.

Source: Supreme Court of Tennessee

Tennessee considers major change to bar exam

Hamilton County Herald

States currently using the Uniform Bar Exam

Minimum passing scores for states using the UBE

The states in gray currently recognize the Uniform Bar Exam (UBE). Tennessee is considering adopting the nationwide test which would allow attorneys who passed the bar in Tennessee to practice in other states* that use the UBE.

Ala.Ariz. Ark.

Calif.Colo.

Conn.

Del.

Fla.

Ga.

Ill. Ind.

Kan. Ky.

La.

Md.

Mass.

Mich.

Minn.

Miss.

Mo.

Mont.

Neb.Nev.

N.H.

N.J.

N.M.

N.Y.

N.C.

N.D.

Okla.

Ore.

Pa.

R.I.

S.C.

S.D.

Tenn.

Vt.

Va.

Wash.

W. Va.

Wis.

Wyo.

Utah

Idaho

Maine

Texas

IowaOhio

Alaska

Hawaii U.S.V.I.

D.C.

280 Alaska276 Colorado Maine274 Oregon273 Arizona272 Iowa270 Massachusetts Nebraska New Hampshire

270 Utah Vermont Washington West Virginia Wyoming266 Connecticut District of Columbia Iowa Kansas Montana

266 New Jersey New York South Carolina Virgin Islands260 Alabama Minnesota Missouri New Mexico North Dakota

•According to the National Conference of Bar Examiners, which administers the UBE, “a score that does not meet the minimum passing score in the testing jurisdiction may be portable to another jurisdiction if the score is at or above the level required in the receiving jurisdiction.”

Source: National Conference of Bar Examiners

cont. cont.

Attorney John Bode’s annual labor and employment seminar, featuring an open bar and holiday gifts, will return for its eighth run this Decem-ber. Bode will also serve cookies and provide a labor and employment law update. A number of “esteemed panelists” will join him.

Presented by the Chattanooga Bar Association, the seminar will take place on Bode’s home turf – the 12th floor of Miller & Martin – on �ursday, Dec. 7 from 2:45 to 5 p.m. Registration will begin at 2:15 p.m. Attendees will earn two hours of general CLE credit. �e cost will be $65 for CBA members and $95 for nonmembers.

Bode is the chair of the Tennessee Bar Association’s labor and em-ployment section. He concentrates his practice on labor relations and

employment opportunities.

For more than three de-cades, Bode has served as lead trial counsel in numerous cases before state and federal agencies and courts and the National Labor Relations

Board. He has extensive experi-ence representing many prominent national, regional and Tennessee employers in union organizing campaigns, collective bargaining, arbitrations, strikes, decertification petitions, wage and hour and other state and federal audits.

Source: CBA

John Bode back for labor and employment update

Bode

See BOYD, page 5

2018 will be a year of change for the Tennessee General Assembly, and 2019 will bring even more, especially in leader-ship – much depending on the popularity of President Donald Trump.

Not only is the Legislature moving to the Cordell Hull Building, vacating the Legisla-tive Plaza after 45 years or so, a number of legislative faces are changing, too, even before next year’s election.

In other words, visitors will need a map, a scorecard and maybe a gun, considering peo-ple with carry permits will be allowed to go armed in Cordell Hull.

Truth be told, any lawmak-er, lobbyist, staff er or press member with an ID card could bypass THP metal detectors and bring a gun into the Legis-lative Plaza. But weapons sanc-tions by the House and Senate speakers seem to be another question, one that will require state troopers to do a lot more security work in vetting those allowed to carry.

Weaponry aside, House Republicans are seeing at least a dozen members opting out next year, and almost the entire Senate leadership will be diff erent.

“I’d say it’s unusual to have that much fl ux going on in a legislative body before we actually get into the election year,” says Nashville political observer Pat Nolan. “And a lot of it has to do with Trump, be-cause a lot of these people that are leaving are leaving because they’re taking positions in the Trump Administration, and the one who’s not (Mae Bea-vers) is running for governor, and she’s running and trying to be the Trump candidate.

“So, he’s got a fi nger to some degree in all of them.”

On the Senate Republican

side: Jim Tracy of Shelbyville recently left his position as speaker pro tem for a job in the U.S. Department of Agriculture, Doug Overbey of Maryville is taking a post as U.S. attorney and Senate Majority Leader Mark Norris is trying on black robes after go-ing through a Senate confi rma-tion hearing for a West Ten-nessee U.S. District judgeship.

� e conservative Beavers left her Senate seat to run for gov-ernor and is largely considered a Trump candidate.

Looking ahead, Senate Re-publican Caucus Chairman Bill Ketron is running for Ruther-ford County mayor in 2018 and won’t return to the Senate after four terms. He battled cancer a couple of years ago but is in remission.

Ketron’s decision leaves an open seat, and state Rep. Dawn White is running for the 13th District post against Rutherford County Mayor Ernest Burgess, a retired NHC executive.

Meanwhile, Senate Minority Leader Lee Harris of Memphis is running for Shelby County mayor and won’t return after the coming year. � e outspo-ken Harris will be diffi cult to replace.

Rep. Raumesh Akbari, in her second term representing a Memphis district, is consider-ing seeking the seat Harris will vacate. And Memphis Rep. Joe Towns’ name is mentioned as well for a potential Senate run.

A couple of notable Dem-

ocratic changes include Rep. Sherry Jones potentially leaving to run for Davidson County Juvenile Court clerk, and Rep. Brenda Gilmore running for Democratic Sen. � elma Harp-er’s seat.

� e governor’s race is having more impact on leadership than the departure of Beavers. House Speaker Beth Harwell is running in the Republican primary, and House Minority Leader Craig Fitzhugh is facing former Nashville Mayor Karl Dean in the Democratic prima-ry for the governor’s offi ce.

Harwell and Fitzhugh will continue serving in 2018, but their candidacy means they’ll be bowing out of the Legis-lature after lengthy tenures, Harwell back to the late ’80s and Fitzhugh to the mid-’90s.

Republican Rep. Charles Sargent of Franklin also an-nounced recently he won’t seek re-election, meaning the House will have a new chairman of the infl uential Finance, Ways & Means Committee.

“� ere’s obviously going to be a big turnover, and it’s going to give a lot of people who have been waiting their turn an opportunity to assume leadership positions,” says Kent Syler, Middle Tennessee State University political science professor.

“It’s going to be interesting to see what kind of personal stamp they put on the Legis-lature. I think right now it’s diffi cult to tell how much the same or diff erent it’s going to be. Many of the people assum-ing leadership posts ran on the same issues as the people leaving. So that would make you not expect a lot of change. But you never know.”

House Republican Caucus Chairman Ryan Williams points out Republicans have had a couple of large freshmen classes since he won election in 2010 and Republicans took a supermajority in the House.

� e 2016 election saw only a handful of changes.

“I think the truth is that the amount of institutional knowl-edge in that cycle is going to dramatically reduce, whoever the winners are,” Williams ac-knowledges. “If there’s 20 new members out of 99, that’s 20 percent of people who are new to the process, which may be, regardless of whether they’re Republican or Democrat, the highest yet.”

� ose new legislators will be choosing the House speaker, too, he adds, not necessarily those who return.

House Majority Leader Glen Casada, a Franklin Republican, considers the changes a “natu-ral progression,” since many of

the legislators will be running for other offi ces and taking diff erent jobs.

“It’s logical in that the governor’s leaving, and so it’s a logical time to be leaving. So, it doesn’t surprise me at all,” Casada says.

Casada, former House Majority Leader Gerald Mc-Cormick, Rep. David Hawk of Greeneville, and House Speak-er Pro Tem Curtis Johnson are on the record as saying they’re interested in the speaker’s post. Reps. Tim Wirgau and Barry Doss have been mentioned as well.

Doss carried the governor’s IMPROVE Act, a combination of gas tax increases and tax reductions, through the House earlier this year.

Hawk proposed a measure using general fund money but couldn’t get enough traction.

Nolan predicts House speaker wannabes will spend a good deal of energy picking House candidates and helping them win so they’ll have their support when they show up for next November’s caucus meet-ing. New Republicans might not know where the restrooms are at the Cordell Hull Build-ing, he notes, but they’ll know whom to support for speaker.

Trump fallout or favorDemocrats in Virginia elec-

tions won the governor’s offi ce and as many as 15 seats there, shifting the balance of power away from a 66-34 Republi-can advantage in what many consider a referendum on the president.

“I think it was a backlash to President Trump, and I think Democrats really showed some energy in the turnouts,” Syler says.

“It was their fi rst time to really fi ght back, and if that car-ries through into next year, the Democrats could have a pretty good year.”

Syler and Nolan both agree, though, that while Virginia was trending purple to blue al-ready, Tennessee is solidly red. Virginia, for instance, voted for Barack Obama twice and Hillary Clinton most recently, while Tennessee hasn’t voted for a Democratic presidential candidate since Bill Clinton in 1996.

Nationwide and in Virgin-ia, Trump’s approval rating is much lower than in Tennessee, where it remains in the 50 range.

“President Trump’s numbers with the Republican base re-main very, very strong. I think you’re going to continue to see Republican elected offi cials embrace the president. � ey


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See CHANGES, page 10

■ VIEW FROM CAPITOL HILL

Despite turnover, GOP owns legislature

Sam [email protected]

trials, the new attorney went to work at Chambliss, Bahner and Stophel, where she practiced commercial litigation in con-tract disputes, product liability cases and lawsuits filed on both sides.

In her first trial, she and her colleagues represented one of two Burger King franchisees involved in a dispute over the purchase of several restaurants. Boyd served as third chair, working mostly behind the scenes.

“I loved it, and it was go, go, go,” Boyd recalls. “It was all the adrenaline and the energy. �ey were really wonderful to me at Chambliss. �ey took me along to depositions, and they let me argue a motion during that trial. I was a third-year lawyer, and it wasn’t a very important motion. But it let me get up and talk and get my feet wet a little bit.”

The textbook gameShe occasionally handled

a few intellectual property transactions, but there weren’t enough of those to justify spe-cialization in the field. When a boutique copyright litigation firm in Colorado needed a local attorney to file suit on behalf of the family of a well-known Chattanooga artist, they called Boyd.

�e case ended in 2008, and Harmon & Seidman hired her full time, creating a telecom-muting position for her after she initially turned down the post because she didn’t want to move west. (Ironically, her now-husband David had just moved here from Denver.)

With Harmon & Seidman, she helped plaintiffs across the U.S., mostly photographers and stock photo agencies, protect their copyrighted works from infringement.

Her seven-year run with the firm culminated in 2014 with a major jury trial in Philadelphia in which she represented a stock photo agency filing suit against McGraw-Hill.

“What the textbook publish-ers had done for years – and

pretty much all the major pub-lishers did this – was request a license for a limited number of copies,” Boyd explains. “So, they’d say, ‘We’re going to print 50,000 copies. We’re going to publish in North America. We’re going to only do it in English.’

“�en they’d file that license away, and I don’t know if it was that the left hand didn’t know what the right hand was doing or if there was something more to it than that, but they pret-ty much ignored the license terms, and then they would print however many they wanted.”

Unlike some publishers that were eager to settle out of court, Boyd asserts, Mc-Graw-Hill was “one that was not going to back down.” At the end of the four-week trial, however, the jury returned a verdict in favor of her client.

Her own firmDespite the victory, Boyd

was so exhausted from all the traveling, arguing cases in court and caring for her young twin boys back at home that she considered ditching her legal career and working in public relations, non-profit man-agement or another field that would give her the flexibility she needed.

“I made a list of all the things I liked about law, and all the things I didn’t like, and all the things I didn’t like were very much tied to the kind of liti-gation practice that I had been in,” says Boyd, who considers herself more of a “cheerleader,” collaborator and encourager.

“It was very contentious. �e opposing counsel was often very ugly and demeaning, and I would just feel very defeated at the end of the day sometimes. … It was more the dispute part of it that just made me crazy. Some people really love that part and get energy from it, and I just found that I’m not that person.”

In 2015, she launched her namesake firm in the Busi-ness Development Center on Cherokee Boulevard, where she focuses on intellectual property

law, still a small legal niche in Chattanooga.

“Moving from a litigation practice to now mostly a trans-actional practice, I was able to keep the things that I liked, which were talking to clients, getting to know their story, learning about their compa-ny or what they’re passionate about, the writing and research – you know, the actual legal work,” she points out.

At first, Boyd concentrat-ed on start-ups but quickly found she was better suited to helping online business owners who were on the fast track but weren’t being served by tradi-tional law firms or didn’t feel comfortable around them.

Most of her clients are dynamic millennial and Gen X women running companies like Boss Mom, Indie Shopog-raphy and Abundant Mama. Like Boyd, they are striving to balance budding careers and young families.

“It’s not on purpose, and I do have male clients,” she acknowledges of her female de-mographic. “But I think women enjoy working with other women. People tell me that just the idea of talking with a lawyer can feel intimidating, so having another woman, and someone who is in a similar place in life, appeals to them.

“I also run my business online, so I understand a lot of the mechanics and the way that they’re operating.”

Although Boyd maintains

a home office with real filing cabinets, along with a small BDC space for clients who’d rather talk in person, she runs a near-paperless practice, holding meetings via Skype and Zoom, managing her business with online tools and apps,

and storing critical data in the cloud. She contracts with a part-time virtual assistant and paralegal, both of whom work from home.

Boyd’s focus on business owners who aren’t operating brick-and-mortar stores allows her to handle a gamut of ser-vices for them, from setting up an LLC and drafting the paper-work to hire independent con-tractors to advising her clients about trademark, copyright and registration issues and responding to cease-and-desist letters received by those who have inadvertently infringed on another company’s intellectual property.

“What’s been nice about finding the online business niche is that I can do pretty much everything that these businesses need,” she says. “�ey don’t need real estate

BOYD From page 3



See BOYD, page 12

M&M Industries will un-dergo a major expansion in Chattanooga. �e solutions packaging manufacturer plans to invest more than $42 million and create 110 jobs in Hamil-ton County.

“We’ve worked hard to make Tennessee a state where exist-ing businesses can thrive,” Gov. Bill Haslam says.

“It’s encouraging when an existing employer like M&M creates new jobs and makes a significant investment in Ten-nessee.”

“Expansions by existing busi-nesses are the primary driver of Tennessee’s economic growth,” says Bob Rolfe, Department of Economic and Community Development Commissioner. “M&M’s commitment to create more than 100 new jobs in Chattanooga is welcome news and reflects the confidence homegrown businesses have in Tennessee’s workforce and business climate.”

Headquartered in Chatta-nooga, M&M will purchase and retrofit a building at 1435 E.

14th St. and expand its cur-rent manufacturing facility at 316 Corporate Place to suit its expansion needs.

�e expansions will provide additional capacity to sup-port growing demand across M&M’s product lines.

“All of us at M&M are very excited for the future of this new facility as well as our ex-pansion at our current facility in Chattanooga,” says Glenn Morris, president and CEO of M&M Industries.

“We’re excited about our

new neighbors and our future employees. We see a bright fu-ture for M&M in this location.”

M&M manufactures plastic pails, plastic open head con-tainers and custom packaging for the chemical, pharmaceu-tical, health care, construction materials and other industries.

Local officials applaud M&M for its expansion in Chattanoo-ga.

“When a local company ex-pands here, it puts more money in the pockets of Chattanooga families and contributes to our

local economy,” Chattanooga Mayor Andy Berke says.

“�e creation of more than 100 jobs is a great addition to the revitalization of Highland Park and will provide oppor-tunities for workers in our community.”

“�e growth of M&M is not only a great story about manufacturing but a great story about entrepreneurship,” Jim Coppinger, Hamilton County mayor says.

Source: Office of the Governor

M&M Industries to expand in Chattanooga

www.HamiltonCountyHerald.com November 17- November 23, 2017

Public NoticesHeraldHAMILTON COUNTY

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HeraldHAMILTON COUNTY

Foreclosure Notices Hamilton County

NOTICE OF SUBSTITUTE TRUSTEE'S SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated October 23, 2006, executed by DONNA D. NIPPER, conveying cer-tain real property therein described to PRLAP, INC., as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded November 20, 2006, in Deed Book GI 8154, Page 761; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A. who is now the owner of said debt; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 November 30, 2017 at 10:00 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 certified funds ONLY, the fol-lowing described property situated in Hamilton County, Tennessee, to wit:THE FOLLOWING DESCRIBED REAL ESTATE, SITUATED IN THE COUNTY OF HAMILTON, STATE OF TENNESSEE: LOT 31, OF ASHBROOK SUB-DIVISION, AS SHOWN ON PLAT OF RECORD IN PLAT BOOK 46 AT PAGE 132 IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY. Parcel ID: 074A D 023PROPERTY ADDRESS: The street address of the property is believed to be 804 ASHBROOK DR, HIXSON, TN 37343. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): DONNA D. NIPPEROTHER INTERESTED PARTIES: CACH LLC, DISCOVER BANK, CACH LLC Assignee of Bank of America, N.A., CACH LLC Assignee of Maryland National Bank, NA, Maryland National Bank, N.A, Bank of America, 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 cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee

119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846Ad #125495Nov. 3, 10, 17, 2017 Fmr18502

NOTICE OF FORECLOSURE SALESTATE OF TENNESSEE, HAMILTON COUNTY

WHEREAS, Brian J. Marshall executed a Deed of Trust to Mortgage Electronic Registra-tion Systems, Inc., as nominee for Platinum Financial Funding, LLC, Lender and Northgate Title Escrow, Inc., Trustee(s), which was dated April 20, 2015 and recorded on April 21, 2015 in Book 10448, Page 235, Hamilton County, Tennessee Register of Deeds.

WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, Tennessee Housing Development Agency, (the “Holder”), appointed the undersigned, Brock & Scott, PLLC, as Substitute Trustee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on November 30, 2017, at 10:00AM at the usual and customary location at the Hamilton County Courthouse, Chatta-nooga, Tennessee, 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:

LOCATED IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Lot Eight (8), and the North twelve and five-tenths (12.5) feet of Lot Seven (7), Ridgewood Acres, First Unit, as shown by plat of record in Plat Book 18, Page 59, Register’s Office of Hamilton County, Tennessee. According to said plat, said lot and part of lot are contiguous and more particularly described as follows:Beginning at a point on the Eastern line of Cambridge Drive, four hundred eighty and six-tenths (480.6) feet Northwardly, as measured along the East line of Cambridge Drive, from its intersection with the North line of Carousel Road; thence North twenty-two (22) degrees thirty (30) minutes East along the Eastern line of Cambridge Drive, eighty-seven and five- tenths (87.5) feet to the Southwest corner of Lot Nine (9); thence South sixty-seven (67) degrees thirty (30) minutes East along the dividing line of Lots Eight (8) and Nine (9), one hundred fifty (150) feet to the Western line of Greenwood Road; thence South twenty-two (22) degrees thirty (30) minutes West along the Western line of Greenwood Road, eighty-seven and five-tenths (87.5) feet to a point; thence North sixty-seven (67) degrees thirty (30) minutes West, one hundred fifty (150) feet to the point of beginning. Being the same property conveyed from Champion Windows of Chattanooga, LLC a/k/a Champion Window Company of Chat-tanooga, LLC to Sabra Jones by Warranty Deed dated April 26, 2013, filed for record on May 2, 2013 in Deed Book 9942, Page 447, in the Register’s Office of Hamilton County, Tennessee. Being the same property conveyed from S. Lee Akers, Clerk & Master to Champion Windows of Chattanooga, LLC by Quitclaim Deed dated October 13, 2011, filed for re-cord on September 26, 2012 in Deed Book 9754, Page 473, in the Register’s Office of Hamilton County, Tennessee. The instrument constituting the source of the Borrower’s interest in the foregoing described property was a Warranty Deed recorded at Book 10448, page 223 in the Register’s Office of Hamilton County, Tennessee.SUBJECT To conditions set out in document of record in Book 2116, Page 186, in the Reg-

ister’s Office of Hamilton County, Tennessee. SUBJECT To restrictions as set out in instru-ment of record in Book 1193, Page 159, in the Register’s Office of Hamilton County, Tennessee; but omitting any covenant or restriction based on race, color, religion, sex, handicap, familial status or national origin unless and only to the extent that said covenant (a) is exempt under Chapter 42, Section 3607 of the United States Code or (b) relates to handicap but does not discriminate against handicapped persons.Parcel ID Number: 137P J 007Address/Description: 1714 Cambridge Drive, Chattanooga, TN 37411.Current Owner(s): Brian J. Marshall.Other Interested Party(ies): Tennessee Hous-ing Development Agency.

The sale of the property described above shall be subject to all matters shown on any recorded plat; any and all liens against said property for unpaid property 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; a deed of trust; and any mat-ter than an accurate survey of the premises might disclose; andAll right and equity of redemption, statutory or otherwise, homestead, and dower are ex-pressly 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 announce-ment at the time and place for the sale set forth above.This office is attempting to collect a debt. Any information obtained will be used for that purpose.

Brock & Scott, PLLC, Substitute Trusteec/o Tennessee Foreclosure Department 4360 Chamblee Dunwoody Road, Ste 310 Atlanta, GA 30341PH: 404-789-2661 FX: 404-294-0919File No.: 17-14090 FC01

Nov. 3, 10, 17, 2017 Fmr18518

NOTICE OF SUBSTITUTE TRUSTEE"S SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated January 13, 2007, executed by GUY MILICI, conveying certain real property therein described to NLC, INC, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Ten-nessee recorded January 23, 2007, in Deed Book GI 8218, Page 570; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Wilmington Trust, National Association, not in its individual capacity, but solely as trustee for MFRA Trust 2016-1 who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennes-see. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 November 30, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:TRACT 1: LOCATED IN THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNES-SEE: LOT ONE HUNDRED TWENTY-ONE (121), LAKESHORE HEIGHTS, UNIT 7, OF RECORD IN PLAT BOOK 32, PAGE 66, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO THE RESTRICTIONS AS SET OUT IN INSTRUMENT RECORDED IN BOOK 2472, PAGE 650, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE, BUT OMIT-TING ANY COVENANT OR RESTRICTIONS BASES ON RACE, COLOR, RELIGION, SEX HANDICAP, FAMILIAL STATUS OR NATIONAL ORIGIN UN-LESS 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 SIXTEEN (16) FOOT POWER AND TELEPHONE EASEMENT AS SHOWN OR SPECIFIED ON THE RECORDED PLAT. SUBJECT TO TEN (10) FOOT DRAINAGE EASEMENT AS SHOWN BY DOTTED LINE, OR AS SPECIFIED ON RECORDED PLAT. SUBJECT TO TWENTY-FIVE (25) FOOT MINIMUM FLEID LINE SETBACK FROM ALL DRAINAGE EASE-MENTS AS SPECIFIED ON THE RECORDED PLAT. SUBJECT TO CONDITIONS AND EASEMENTS OF RECORD IN BOOK 2116, PAGE 186, IN THE SAID REGISTER`S OFFICE. SUBJECT TO ALL NOTES, STIPULATIONS, RESTRICTIONS, EASEMENTS, CONDITIONS, AND REGULA-TIONS AS SET OUT ON RECORDED PLAT. ANY GOVERNMENTAL ZONING AND SUBDIVISIONS ORDINANCES IN EFFECT THEREON. TRACT II: BEING THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE. BEING LOT NUMBERED ONE HUNDRED NINETEEN (119) AND LOT NUMBERED ONE HUNDRED TWENTY (120), LAKESHORE HEIGHTS, UNIT SEVEN (7), AS SHOWN BY PLAT RECORDED IN PLAT BOOK 32, PAGE 66, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO ANY GOVERNMENTAL ZONING AND SUBDIVISIONS ORDINANCES AND REGU-LATIONS IN EFFECT THEREON. SUBJECT TO RESTRICTIONS RECORDED IN BOOK 2472, PAGE 650, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO APPLICABLE CONDITIONS AND EASEMENTS IN SUBDIVISION REGULATIONS RECORDED IN BOOK 2116, PAGE 186, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO ANCHOR EASEMENTS AS SHOWN BY DOTTED LINE ON PLAT. SUBJECT TO BUILD-ING SETBACK LINE AS SET ON LEGEND ON PLAT. SUBJECT TO POWER AND TELEPHONE COMPANY EASEMENT AS SHOWN BY DOTTED LINE ON PLAT (AS TO LOT 120). SUBJECT TO ANY OTHER EASEMENTS, CONDITIONS, OR RESTRICTIONS OF RECORD. Parcel ID: 111E C 013PROPERTY ADDRESS: The street address of the property is believed to be 5603 RIVER GLADE DR, CHATTANOOGA, TN 37416. 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/ANY-AND-ALL-HEIRS OF GUY MILICIOTHER INTERESTED PARTIES: TENNESSE DEPARTMENT OF REVENUE The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose. In addition this sale shall be subject to the right of redemption by the , pursuant to T.C.A. 67-1-1433C(1) by reason of the following tax lien(s) of record in: Book GI 9977, Page 948. Notice of the sale has been given to the State of Tennessee in accordance with T.C.A.67-1-1433b(1).THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126011 Nov. 3, 10, 17, 2017 Fmr18539

NOTICE OF SUBSTITUTE TRUSTEE'S SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated March 3, 2000, executed by JULIAN BONDS AND LYNNITRA BONDS, conveying certain real property therein described to REAL ESTATE LOAN SERVICES, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennes-see recorded March 10, 2000, in Deed Book GI 5553, Page 463 ; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Bayview Loan Servicing, LLC, a Delaware Limited Liability Company who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennes-see. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 November 30, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:THE FOLLOWING DESCRIBED REAL ESTATE, TO WIT: LOT THREE (3) BLOCK SIXTY-NINE (69), AMENDED PLAT OF SHERWOOD FOREST ADDITION, AS SHOWN BY PLAT OF RECORD IN DEED BOOK 797, PAGE 15, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. Parcel ID: 127L C 011PROPERTY ADDRESS: The street address of the property is believed to be 3109 RIVERSIDE DR, 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): JULIAN BONDS AND LYNNITRA BONDSOTHER INTERESTED PARTIES: AMSOUTH BANK, KENNETH C. RANNICK, ATTYThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad# 125937Nov. 3, 10, 17, 2017 Fmr18525

HAMILTON COUNTY, TENNESSEENOTICE OF FORECLOSURE SALE

WHEREAS, a default having occurred in the payment of the debts and obligations secured by the Deed of Trust recorded in Book 9923, Page 687 in the Register’s Office of Hamilton County, Tennessee (“Deed of Trust”), wherein Keith Eric Crisp conveyed to First Title Insur-ance Company, as Trustee, the real property described below (the “Real Property”) to secure payment of certain loan obligations owed to

www.HamiltonCountyHerald.comNovember 17 - November 23, 2017 Public Notices

Continued on page 8

CFK Holdings, LLC as described in said Deed of Trust; NOTICE is hereby given that the entire indebtedness has been accelerated and de-clared immediately due and payable and that CFK Holdings, LLC and Elizabeth M. Hill, Suc-cessor Trustee, and any successor trustee who may succeed her, pursuant to the power, duty and authority vested in and imposed upon the same in said Deeds of Trust, will on November 29, 2017 at 10:00 o’clock a.m. at the West-ern 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, the Real Property being more particularly described as follows:

LOCATED IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TN:Lot One (1), Block One (1), McCallie Subdi-vision to the City of Chattanooga. Said Lot fronts 54 feet on the North line of East Ninth Street, and extends back Northwardly along the West line of Park Avenue, between parallel lines 147.5 feet to an alley.Being the same property conveyed to Keith Eric Crisp by deed of record in Book 9923, Page 685, in the Register’s Office of Hamilton County, Tennessee.Property Address: 823 East Martin Luther King Boulevard, Chattanooga, Tennessee 37404 (Map Parcel Number 146H-M-021).

OTHER INTERESTED PARTIES:Hamilton County, Tennessee and City of Chattanooga, Tennessee for delinquent real property taxes. State of Tennessee, ex rel., Judith Caroline ParkerLTR Properties, LLC, 3701 Chula Vista Dr., Chattanooga, TNSaid foreclosure sale will be subject to: (1) any and all unpaid ad valorem and real property taxes (plus penalty and interest, if any) that may be a lien upon the Real Property, (2) any and all liens, defects, encumbrances, adverse claims and all other matters which take priority over the Deed of Trust upon which this foreclosure sale is had, (3) any statutory rights of redemption not otherwise waived in the Deed of Trust, includ-ing rights of redemption of any governmental agency, state or federal, which might not have been waived by such governmental agency, (4) all notes, stipulations, restrictions, ease-ments, conditions and regulations as set out on recorded plat (5) any governmental zoning and subdivision ordinances or regulations in effect thereon, (6) the accuracy of the Index Book of the said Register’s Office and any other matters which an accurate survey of the Real Property might disclose.Successor Trustee will make no covenant of seisin or warranty of title, express or implied, and will sell and convey by Trustee’s Deed as Successor Trustee. Further, the transfer shall be “As Is” and without warranty of any kind, express or implied, as to the condition of such property and the improvements located thereon, including merchantability or fitness for particular purpose.The right is reserved to adjourn the day of sale to another date and time without further publication upon announcement at the time set above and to sell to the second highest bidder in the event the highest bidder does not comply with the terms of the sale.Dated this 30th day of October, 2017.Patrick, Beard, Schulman & Jacoway, P.C., 537 Market Street, Suite 202, Chattanooga, Tennessee 37402 (423) 756-7117.Nov. 3, 10, 17, 2017 Fmr18549

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on December 7, 2017 on or about 11:00AM local time, at the Main door of the Hamilton County Court-house, Chattanooga, Tennessee, conducted by the Substitute Trustee as identified and set forth herein below, pursuant to Deed of Trust executed by VICKIE SMITH AND JUDITH SNEED, to MEGAN K. TROTT, Trustee, on July 18, 2016, at Record Book GI 10807, Page 379 as Instrument No. 2016072600127 in the real property records of Hamilton County Register’s Office, Tennessee.Owner of Debt: FIRST COMMUNITY MORT-GAGE 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:Tax ID# 169J-A-011.00Located in the Second Civil District of Ham-ilton County, Tennessee:BEING a part of the Southwest Quarter, Sec-tion Thirty Two (32), Township Six (6), North or Two (2), South, Range Three (3), West of the Basis Line, Ocoee District, and being more

Foreclosure/Trustee's Sales Scheduled in the Next 3 Weeks

Property Address Publication Dates Borrower Attorney

particularly described as follows: BEGINNING at a point in the Eastern line of McBrien Road at the Northwest corner of the J.W. Wagner Subdivision; thence Eastwardly along the Northern line of the J.W. Wagner Subdivi-sion, Three Hundred seventy-five (375) feet to a point; thence Northwardly Two Hundred thirty (230) feet, more or less, to the South line of a Forty (40) foot strip reserved for a roadway; thence Westwardly along the South line of said reserved strip, Three Hundred seventy-five (375) feet to the Eastern line of McBrien Road; thence Southwardly along the Eastern line of McBrien Road, Two Hundred twenty (220) feet more or less, to the point of beginning.LESS AND EXCEPT that portion of property conveyed in Book 1809, Page 43, and Book 1845, Page 478, and Book 1849, Page 563, all in the Register`s Office of Hamilton County, Tennessee.SUBJECT to sewer easement conveyed to The Town of East Ridge, as set out in Instru-ment recorded in Book 1337, Page 488, in the Register`s Office of Hamilton County, Tennessee.Being the same property conveyed to Vickie L. Smith and Judith L. Sneed by Warranty Deed from the Trustees of the East Ridge Church of God, and recorded on 03/13/2015 in Book 10418, Page 712, in the Register`s Office of Hamilton County, Tennessee.Tax ID: 169J A 011Current Owner(s) of Property: VICKIE SMITH AND JUDITH SNEEDThe street address of the above described property is believed to be 1524 McBrien Rd.,

Chattanooga, TN 37412, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control.SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION.THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICA-TION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TERMS OF SALE ARE CASH. ANY TAXES OR FEES WILL BE THE RESPONSIBILITY OF THE PURCHASER. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE PURCHASE PRICE. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE.OTHER INTERESTED PARTIES: NoneTHIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.If applicable, the notice requirements of T.C.A. 35-5-101 have been met.All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, but the under-signed will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or 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. 7425 and T.C.A. §67-1-1433.This property is being sold with the express reservation that the sale is subject to confir-mation by the lender or trustee. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney.MWZM File No. 17-000126-391MACKIE WOLF ZIENTZ & MANN, P. C., Substi-tute Trustee(s)PREMIER BUILDING, SUITE 4045217 MARYLAND WAYBRENTWOOD, TENNESSEE 37027PHONE: (615) 238-3630EMAIL: [email protected]. 3, 10, 17, 2017 Fmr18552


WHEREAS, Troy E. Teems and Jennifer N. Teems executed a Deed of Trust to Mort-gage Electronic Registration Systems, Inc. as nominee for Universal American Mortgage Company, LLC, Lender and Realty Title & Es-crow, Trustee(s), which was dated December 10, 2014 and recorded on December 12, 2014 in Book GI 10360, Page 295, Hamilton County, Tennessee Register of Deeds.

WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, Arvest

Central Mortgage Company, (the “Holder”), appointed the undersigned, Brock & Scott, PLLC, as Substitute Trustee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and


Land in the Second Civil District of Hamilton County, Tennessee, being more particularly described as follows:BEGINNING at a point in the Southern line of Short Tail Springs Road, said point being the Northern corner of the property conveyed to Kitts by deed recorded in Book 2091, Page 581, said Register’s Office; THENCE South 23 degrees West along the Western line of said Kitts tracts and along the Western line of property conveyed to Laub by deed recorded in Book 1292, Page 187, said Register’s Office, South 23 degrees 00 minutes West a total distance of 571.93 feet to an iron rod found in the Northern boundary of property conveyed to Neitzke

SALES TO TAKE PLACE ON 2017-11-13

203 Belvoir Ave, Chattanooga, 37411 2017-09-22; 2017-09-29; 2017-10-06 Donald McKenna Wilson & Associates, PLLC6626 Harrison Heights Drive , Harrison, 37341 2017-10-20; 2017-10-27; 2017-11-03 Richey, John Joseph Shapiro and Ingle, LLP4130 Sunset Ave , Chattanooga, 37411 2017-10-20; 2017-10-27 Arnold, Calvin and Belinda Shapiro and Ingle, LLP


4309 Tee Pee Drive, Chattanooga, 37406 2017-09-22; 2017-09-29; 2017-10-06 Ericca L. Baulding Wilson & Associates, PLLC733 Sylvan Drive, Chattanooga, 37411 2017-09-22; 2017-09-29; 2017-10-06 Rickey Grissom Wilson & Associates, PLLC4803 Cordelia Lane, Chattanooga, 37416 2017-09-22; 2017-09-29; 2017-10-06 Opal Shaw Wilson & Associates, PLLC4912 Cameron Lane, Chattanooga, 37411 2017-09-22; 2017-09-29; 2017-10-06 Brandon Holt Wilson & Associates, PLLC8514 Daisy Dallas Rd , Hixson, 37343 2017-09-22; 2017-09-29; 2017-10-06 Stewart, Teresa Shapiro and Ingle, LLP115 Fawn Dr , Chattanooga, 37412 2017-10-20 McCroskey, Capriest and Mattie Shapiro and Ingle, LLP2507 Oak Street, Chattanooga, 37404 2017-10-27; 2017-11-03; 2017-11-10 Robert Turney Wilson & Associates, PLLC127 Chickamauga Rd , Chattanooga, 37421 2017-09-22; 2017-09-29 Potter, Darrick Shapiro and Ingle, LLP8118 Royal Dr , Chattanooga, 37421 2017-10-20; 2017-10-27; 2017-11-03 Coffey, Thomas Shapiro and Ingle, LLP8803 Forest Pond Dr, Harrison, 37341 2017-10-13; 2017-10-20; 2017-10-27 Angela B Phillips, Eric D Phillips Rubin Lublin TN, PLLC2304 N. Chamberlain Ave., Chattanooga, 37406 2017-09-29; 2017-10-06 Herman Thomas Solomon Baggett, LLC905 Clay Hill Drive, Soddy Daisy, 37379 2017-10-20; 2017-10-27; 2017-11-03 James H Smith and Melissa L Smith C/O Tennessee Foreclosure Dept.909 Woodmore Terrace, Chattanooga, 37411 2017-10-13; 2017-10-20; 2017-10-27 Alfred Cantrell and Carlynda Cantrell4404 Shelborne Dr , Chattanooga, 37416 2017-10-20; 2017-10-27; 2017-11-03 Bragg, John and Edna Shapiro and Ingle, LLP7445 Tanya Dr , Harrison, 37341 2017-10-13; 2017-10-20; 2017-10-27 Thoresen, Cynthia Shapiro and Ingle, LLP7719 Basswood Drive, Chattanooga, 37416 2017-10-13; 2017-10-20; 2017-10-27 Kimberly Southern C/O Tennessee Foreclosure Dept.4108 Rogers Road, Chattanooga, 37411 2017-09-15 Sharon E. McClendon Wilson & Associates, PLLC1403 Bunker Hill Drive, Chattanooga, 37421 2017-09-22; 2017-09-29; 2017-10-06 Michael S. Dugger Wilson & Associates, PLLC


929 Ashland Terrace, Chattanooga, 37415 2017-10-27; 2017-11-03; 2017-11-10 Mitchell Coker Wilson & Associates, PLLC6911 Love Lane, Hixson, 37343 2017-10-27; 2017-11-03; 2017-11-10 Kimberly L Kaylor Better Choice Notice Solutions10534 Snowhill Road, Ooltewah, 37363 2017-10-27; 2017-11-03; 2017-11-10 Barry L. Goodner Wilson & Associates, PLLC4613 Old Mission Rd., Chattanooga, 37411 2017-10-27 Tennessee Housing Development Agency Better Choice Notice Solutions


277 Sims Dr , Chattanooga, 37415 2017-10-27; 2017-11-03 Posey, William and Leigh Shapiro and Ingle, LLP


8222 Towncreek Cir , Ooltewah, 37363 2017-10-27 Rose, Daniel Shapiro and Ingle, LLP


11 Minnekahda Trail, Chattanooga, 37405 2017-11-03; 2017-11-10; 2017-11-17 Kirk W. Brody and Donna R. Brody C/O Tennessee Foreclosure Dept.


823 East Martin Luther King Blvd, Chattanooga, 37404 2017-11-03; 2017-11-10; 2017-11-17 Keith Eric Crisp


2141 Jenkins Rd , Chattanooga, 37421 2017-11-03; 2017-11-10; 2017-11-17 Biggers, Ronald Shapiro and Ingle, LLP3109 Riverside Dr., Chattanooga, 37406 2017-11-03; 2017-11-10; 2017-11-17 Bayview Loan Rubin Lublin TN, PLLC107 Talley Rd , Chattanooga, 37411 2017-10-27 Danner, Charles IV Shapiro and Ingle, LLP905 Battlefield Trl , Chattanooga, 37409 2017-10-27; 2017-11-03; 2017-11-10 Corley, Jason Shapiro and Ingle, LLP104 North Parkdale Ave , Chattanooga, 37411 2017-10-27; 2017-11-03; 2017-11-10 Love, Robert and Melissa Shapiro and Ingle, LLP705 Shady Dr , Chattanooga, 37412 2017-10-27; 2017-11-03; 2017-11-10 Sells, Paul Shapiro and Ingle, LLP5603 River Glade Dr., Chattanooga, 37416 2017-11-03; 2017-11-10; 2017-11-17 Wilmington Trust, NA Rubin Lublin TN, PLLC1714 Cambridge Drive, Chattanooga, 37411 2017-11-03; 2017-11-10; 2017-11-17 Platinum Financial Funding C/O Tennessee Foreclosure Dept.2860 Firethorne Lane, Chattanooga, 37421 Bank of America, N.A. Rubin Lublin TN, PLLC4907 North Moore Lane, Chattanooga, 37411 2017-11-10; 2017-11-17; 2017-11-24 Everage Holloway Wilson & Associates, PLLC804 Ashbrook Dr, Hixson, 37343 2017-11-03; 2017-11-10; 2017-11-17 Donna D Nipper Rubin Lublin TN, PLLC4601 Triple Oaks Lane , Chattanooga, 37416 Johnson, Robyn Y. Shapiro and Ingle, LLP1404 West 49th Street, Chattanooga, 37409 2017-10-06; 2017-10-13; 2017-10-20 Arnetta D. Whatley Wilson & Associates, PLLC


1400 Leggett Road, Sale Creek, 37373 2017-10-06; 2017-10-13; 2017-10-20 Brian J. Vogel Wilson & Associates, PLLC

www.HamiltonCountyHerald.com November 17- November 23, 2017Public Notices

PH: 404-789-2661 FX: 404-294-0919File No.: 17-14878 FC01

Nov. 10, 17, 24, 2017 Fmr18571

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust dated March 26, 1990, executed by Ernestine McDonald and Robert McDonald, a married couple to Delta Title, Trustee, for TENNESSEE HOUSING DEVELOPMENT AGENCY, its successors and assigns, and appearing of record on April 2, 1990, in the Register’s Office of Hamilton County, Tennessee, at Book 3715 Page 188 on 4/2/1990 and re-recorded at Book 3739 Page 777 on 7/10/1990. WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to TENNESSEE HOUSING DEVELOPMENT AGENCY, the party entitled to enforce said security interest; and having appointed Clear Recon LLC, the undersigned, as Substitute Trustee by instrument filed or being filed for record in the Register’s Office of Hamilton County, Tennessee, with all of the rights, powers, and privileges of the original Trustee named in said Deed of Trust. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust, and that the undersigned, Clear Recon LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty, and authority vested and imposed upon said Substitute Trustee will, on December 6, 2017, at 11:00 AM, local time, at the Hamilton County Courthouse, located in Chattanooga, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Hamilton County, to wit:

The land referred to herein below is situated in the County of Hamilton, State of Tennes-see, and is described as follows:IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Lots Forty-Six (46), Block Ten (10), East Highlands as shown by plat recorded in Plat Book 7, Page 32, of the Register’s Office of Hamilton County, Tennessee.Source of Grantor’s title is Warranty Deed being recorded simultaneously herewith, being the last document of record.Subject to any governmental zoning and subdivision ordinances or regulations in effect thereon.Subject to Restrictive Covenants recorded in Book 354, Page 579, as modified in Book 795, Page 682, Register’s Office of Hamilton County, Tennessee.Robert McDonald joins in this conveyance for the purpose of conveying whatever in-terest he has herein, especially his marital interest.Being the same property conveyed by Warranty Deed recorded 1/9/04 from Pelham Turner, Trustee, grantor to Ernes-tine McDonald, married, grantee at Book 3715, Page 186.Tax/Parcel ID #147 J L 013.01This sale will be made subject to any right of the United States of America to redeem the hereinabove described property within 120 days from the sale date aforesaid, in order to satisfy certain outstanding federal tax liens.Commonly known as 735 Sylvan Drive, Chattanooga, TN 37411However, by showing this address no ad-ditional coverage is provided

The street address and parcel number(s) of the above described property are believed to be correct; however, such references are not a part of the legal description of the property sold herein, and, in the event of any discrep-ancy, the legal description herein shall control Current Owner(s) of Property: Ernestine McDonald and Robert McDonald Other Interested Parties: Ernestine Mc-Donald, Robert McDonald and Department of Treasury – Internal Revenue Service This sale is subject to tenant(s)/occupant(s) rights in possession. 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 govern-mental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an ac-curate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: Ernestine McDonald, Robert McDonald and Department of Treasury – Internal Revenue Service.

by deed recorded in Book 4119, Page 852, said Register’s Office; THENCE North 65 degrees 37 minutes West, 245.20 feet along the Northern boundary of Neitzke to a burnt stump at fence corner (deed of acquisition cited as South 67 degrees East, 251 feet to a point) in the Eastern Boundary of property conveyed to Brememan by deed recorded in Book 1540, Page 449, said Register’s Office; THENCE along the Eastern boundary of said Breneman tract North 23 degrees 27 minutes East, 696.67 feet (deed of acquisition cited as South 23 degrees West 707.8 feet) to a point in the Southern right of way of Short Tail Springs Road; THENCE Southeastwardly along and with the Southern right of way of Short Tail Springs Road and the curvature thereof 275 feet, more or less, to the point of beginning. All as shown by survey drawing no. VF-24-S-3, dated April 28, 1995, made by Carlos E. Niles, Tennessee Registered Surveyor No. 676, of Niles Surveying Co., Inc. 3962 Churchill Road, Chattanooga, Tennessee 37406. Being the same property conveyed to Troy E. Teems and wife, Jennifer N. Teems by Warranty Deed from Kimberly C. Long and husband Steve Long of record in Book 10360, Page 293, Register’s Office for Hamilton County, Tennessee.Subject to all easements, restrictive cov-enants and conditions, and other matters of record, including all items set out on any applicable plat of record.Parcel ID Number: 103 033.02Address/Description: 7518 Short Tail Springs Road, Harrison, TN 37341.Current Owner(s): Troy E. Teems and wife, Jennifer N. Teems.Other Interested Party(ies): N/A



Nov. 3, 10, 17, 2017 Fmr18555


WHEREAS, Kirk W. Brody And Donna R Brody executed a Deed of Trust to SunTrust Mortgage, Inc., Lender and Stanley M. Porter, Sr., Trustee(s), which was dated April 1, 2004 and recorded on April 5, 2004 in Book 7078, Page 831, Hamilton County, Tennessee Reg-ister of Deeds.

WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, SunTrust Bank, (the “Holder”), appointed the undersigned, Brock & Scott, PLLC, as Substi-tute Trustee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and


IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE:Lot Sixteen (16), Amended Plat, Minnekahda

Re-Subdivision, as shown by plat of record in Plat Book 72, page 148, in the Register’s Office of Hamilton County, Tennessee. TOGETHER WITH water line easement as created in deed of record in Book 1889, page 97, in the Register’s Office of Hamilton County, Tennessee. TOGETHER WITH Joint Agreement For Ingress, Egress And Utilities Easement of record in Book 7078, page 822, in the Register’s Office of Hamilton County, Tennessee. REFERENCE is made for prior title to Deeds of record in Book 3782, page 14, Book 6769, page 568, Book 3657, page 506, Book 6457, page 600, and Book 3607, page 437. in the Register’s Office of Hamilton County, Tennes-see. Commonly known as: 11 Minnekahda Trail, Chattanooga, TN 37405. SUBJECT TO provisions relative to use of water lines as created in deed of record in Book 1889, page 97, in the Register’s Office of Hamilton County, Tennessee. SUBJECT TO water line easement as shown by plat of record in Plat Book 26, page 79, in the Register’s Office of Hamilton County, Tennessee, and as shown by plat of record in Plat Book 72, page 148, in the Register’s Office of Hamilton County, Tennessee. SUBJECT TO sewer easement to City of Chattanooga, Tennessee, of record in Book 1165, page 607, and Book 1182, page 323, in the Register’s Office of Hamilton County, Tennessee.SUBJECT TO underground service line of lines of Chattanooga Gas Company, as the same may be located in and upon the premises, and as set forth in deed from Pope B. Hol-liday, Jr. and wife, to Michael Kosanovich and wife, dated April 21,1970, recorded in Book 1889, page 97, in the Register’s Office of Hamilton County, Tennessee. SUBJECT TO Joint Agreement For Ingress, Egress And Utilities Easement of record in Book 7078, page 822, in the Register’s Office of Hamilton County, Tennessee.Parcel ID Number: 127 JB 002Address/Description: 11 Minnekahda Trail, Chattanooga, TN 37405.Current Owner(s): Kirk W. Brody and wife, Donna R. Brody.Other Interested Party(ies): Pinnacle Bank and Internal Revenue Service.

This sale is also subject to the right of redemp-tion by the INTERNAL REVENUE SERVICE, DEPARTMENT OF THE U.S. TREASURY, pur-suant to 26 U.S.C. 7425(d)(1) by reason of the following tax lien(s) of record in: Book GI 10875, Page 788, Serial Number 232041716; Book GI 11083, Page 961, Serial Number 266363717. Notice of the sale has been given to the Internal Revenue Service in accordance with 26 U.S.C. 7425(b). The sale of the property described above shall be subject to all matters shown on any recorded plat; any and all liens against said property for unpaid property 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; a deed of trust; and any mat-ter than an accurate survey of the premises might disclose; andAll right and equity of redemption, statutory or otherwise, homestead, and dower are ex-pressly 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 announce-ment at the time and place for the sale set forth above.This office is attempting to collect a debt. Any information obtained will be used for that purpose.


Nov. 3, 10, 17, 2017 Fmr18556

NOTICE OF SUBSTITUTE TRUSTEE'S SALE WHEREAS, default has occurred in the per-formance of the covenants, terms and condi-tions of a Deed of Trust dated November 23, 2012, executed by BOBBIE GENE GOTHARD, JR., conveying certain real property therein described to GLENN BALLETTO, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded November 30, 2012, in Deed Book GI 9809, Page 666; and WHEREAS, the beneficial interest of said Deed of Trust was last trans-ferred and assigned to FREEDOM MORTGAGE CORPORATION who is now the owner of said debt; and WHEREAS, the undersigned, Rubin

Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 7, 2017 at 12:00 PM on the front steps of the West Side Entrance of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN, located in Chattanooga, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the follow-ing described property situated in Hamilton County, Tennessee, to wit:THE FOLLOWING DESCRIBED REAL ESTATE LOCATED IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: BEING A PART OF THAT PROPERTY CONVEYED BY G. W. BAGWELL AND WIFE, TO CLAUDE FINE AND WIFE BY DEED DATED MAY 3, 1951, AND RECORDED IN BOOK 1054, PAGE 234, OF THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE; SAID PART OF SAID PROPERTY MAY BE MORE FULLY DESCRIBED AS FOL-LOWS: BEGINNING AT A POINT LOCATED IN THE NORTHERN LINE OF MAYFLOWER ROAD AT THE INTERSECTION OF SAID NORTHERN LINE WITH THE EASTERN LINE OF THE CHAR-ITY BAPTIST CHURCH PROPERTY; THENCE NORTH 47 DEGREES EAST, AND ALONG THE EASTERN LINE OF THE CHURCH PROPERTY AND SAID LINE EXTENDED, A DISTANCE OF 210 FEET TO A POINT; THENCE EASTWARDLY, AND PARALLEL TO THE NORTHERN LINE OF MAYFLOWER ROAD, A DISTANCE OF 210 FEET TO A POINT; THENCE SOUTH 47 DEGREES WEST A DISTANCE OF 210 FEET TO A POINT IN THE NORTHERN LINE OF MAYFLOWER ROAD (SAID POINT BEING LOCATED 400 FEET WESTWARDLY ALONG SAID NORTHERN LINE FROM THE INTERSECTION OF SAID NORTHERN LINE WITH THE WESTERN LINE OF MAY ROAD); THENCE WESTWARDLY ALONG THE NORTHERN LINE OF MAYFLOWER ROAD A DISTANCE OF 210 FEET TO THE POINT OF BEGINNING. Parcel ID: 027 012PROPERTY ADDRESS: The street address of the property is believed to be 1531 MAYFLOWER RD, SALE CREEK, TN 37373. 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): BOBBIE GENE GOTHARD, JR.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 cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126213 Nov. 10, 17, 24, 2017 Fmr18548


WHEREAS, Anthony E. Johnson Sr. and Tonya L. Johnson executed a Deed of Trust to Community Mortgage Corporation, Lender and Kathryn L. Harris, Trustee(s), which was dated October 13, 2006 and recorded on October 19, 2006 in Book GI 8120, Page 928, Hamilton County, Tennessee Register of Deeds.

WHEREAS, default having been made in the payment of the debt(s) and obligation(s)

thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, Tennessee Housing Development Agency, (the “Holder”), appointed the undersigned, Brock & Scott, PLLC, as Substitute Trustee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on December 5, 2017, at 10:00AM at the usual and customary location at the Hamilton County Courthouse, Chatta-nooga, Tennessee, 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:

Located in the Second Civil District, Hamilton County, Tennessee: TRACT ONE (1): Beginning at an iron pin at the W.N.W. side of Dolly Pond Road, corner to now Samuel Brown Hicks; thence South 32 degrees 48 minutes West One Hundred (100) feet along the W.N.W. side of Dolly Pond Road to an iron pin; thence North 64 degrees 45 minutes West One Hun-dred Fifty (150) feet along an old fence line to an iron pin; thence North 32 degrees 48 minutes East One Hundred (100) feet to an iron pin; thence South 64 degrees (erroneously referred to as 66 degrees in Deed of acquisi-tion) 45 minutes East One Hundred Fifty (150) feet to an iron pin at the W.N.W. side of Dolly Pond Road, being the point of beginning; as per survey by Gregory B. Slatton. TRACT TWO (2): To find the true point of beginning, begin at a point on the Western right of way of Dolly Pond Road at the Southeast corner of property conveyed by deed recorded in Book 2832, Page 921, Register’s Office, Hamilton County, Ten-nessee; thence North 64 degrees 45 minutes West along the section line between Sections 14 and 23, One Hundred Fifty (150) feet to the Southwest corner of property conveyed by Deed recorded in Book 2832, Page 921, and the true point of beginning; thence continue North 64 degrees 45 minutes West along said Section line, Forty-seven (47) feet, more or less, to a point in a fence line; thence Northwardly along said fence line a distance of Ninety-nine (99) feet, more or less, to a point; thence South 64 degrees 45 minutes East Sixty-one (61) feet, more or less, to a point which is the Northwest corner of property conveyed by deed recorded in Book 2832, Page 921; thence South 32 degrees 48 minutes West along the Western line of property conveyed by Deed recorded in Book 2832, Page 921, One Hundred (100) feet to the point of beginning. The source of grantors’ interest is found in Deed recorded simultaneously herewith.

Being the same land described in a deed to U.S. Bank, N.A. said deed dated May 15,2006 and recorded in Book 7948, Page 262, in the Register’s Office of Hamilton County, Tennessee. SUBJECT To any governmental zoning and subdivision ordinances or regulations in effect thereon.The instrument constituting the source of the Borrower’s interest in the foregoing described property was a Warranty Deed recorded at Deed Book 8120, Page 926 in the Register’s Office of Hamilton County, Tennessee.Parcel ID Number: 060 042.01Address/Description: 11001 Dolly Pond Road, Birchwood, TN 37308Current Owner(s): Tonya L. JohnsonOther Interested Party(ies): N/A


Brock & Scott, PLLC, Substitute Trusteec/o Tennessee Foreclosure Department 4360 Chamblee Dunwoody Road, Ste 310 Atlanta, GA 30341

Foreclosure NoticesContinued from page 7


Continued on page 16

Building PermitsHamilton County

StatusDate Owner Address

Licensed ProfessionalAddress Work Description

Contract ValueSite Address

INSURANCE COMPANY, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded May 11, 2015, in Deed Book GI 10463, Page 973; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Finance of America Reverse LLC who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instru-ment to be filed for record in the Register’s Office of Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:LOCATED IN THE THIRD CIVIL DISTRICT OF HAM-ILTON COUNTY, TENNESSEE:BEING A PART OF THE PROPERTY CONVEYED BY MABEL QUALLS TO CLAUDE VANDERGRIFF AND WIFE BY DEED RECORDED IN BOOK 1207, PAGE 597, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER OF THE CLAUDE VANDERGRIFF PROPERTY AS DESCRIBED IN BOOK 1207, PAGE 597, OF THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE, IN THE NORTH LINE OF ACCESS LANE 760 FEET, MORE OR LESS, EAST OF DENT ROAD; THENCE WEST ALONG THE NORTH LINE OF SAID LANE 420 FEET, MORE OR LESS, TO FLIPPO BRANCH; THENCE NORTH ALONG SAID BRANCH 425 FEET, MORE OR LESS; THENCE SOUTH 68 DEGREES 45 MINUTES EAST 420 FEET, MORE OR LESS; THENCE SOUTH 400 FEET, MORE OR LESS, TO THE BEGINNING. SUBJECT TO AND TOGETHER WITH A FIFTY (50) FOOT RIGHT OF WAY, SAID RIGHT OF WAY BEING LOCATED ON THE SOUTH 25 FEET OF THE HEREIN DESCRIBED PROPERTY, ALSO BEING LOCATED UPON THE SOUTH 25 FEET OF THE HARVEY PROPERTY AND OVER THE NORTHERN LINE OF THE 25 FEET OF PROPERTY WHICH IS RETAINED BY CLAUDE VANDERGRIFF AND WIFE. SUBJECT TO ANY GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES AND REGULATIONS IN EFFECT THEREON. SUBJECT TO A FIFTY (50) FOOT RIGHT OF WAY, SAID RIGHT OF WAY BEING LOCATED ON THE SOUTH 25 FEET OF THE HEREIN DESCRIBED PROPERTY, ALSO BEING LOCATED UPON THE SOUTH 25 FEET OF THE HARVEY PROPERTY AND OVER THE NORTHERN LINE OF THE 25 FEET OF PROPERTY WHICH IS RETAINED BY CLAUDE

If the United States or the State of Tennes-see have any liens or claimed lien(s) on the Property, and are named herein as interested parties, timely notice has been given to the applicable governmental entity, and the sale will be subject to any applicable rights of redemption held by the entity as required by 26 U.S.C. § 7425 and/or Tennessee Code § 67-1-1433.

All right and equity of redemption, statu-tory and 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 transfer shall be AS IS, WHERE IS, AND WITH ALL FAULTS, and without warranties of any kind, express or implied, as to the condition of the Property and the improvements located thereon, including merchantability or fitness for particular purpose. Trustee shall make no covenant of seisin or warranty of title, express or implied, and will sell and convey the subject real property by Substitute Trustee’s Deed only.

The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon an-nouncement at the time and place for the sale set forth above.

This property is being sold with the express reservation that the sale is subject to confir-mation by the lender or trustee. This sale may be rescinded by the Substitute Trustee at any time. THIS OFFICE IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Clear Recon LLCSubstitute Trustee5751 Uptain Road

Suite 514Chattanooga, Tennessee 37411

Phone: (877) 319-8840File No: 1292-283A

Nov. 10, 17, 24, 2017 Fmr18560

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on December 14, 2017 on or about 11:00AM local time, at the Main door of the Hamilton County Court-house, Chattanooga, Tennessee, conducted by the Substitute Trustee as identified and set forth herein below, pursuant to Deed of Trust executed by DOROTHY ALTSMAN, to Equititle, Inc., Trustee, on August 28, 2009, at Record Book GI 9012, Page 506 as Instru-ment No. 2009090400174 in the real property records of Hamilton County Register’s Office, Tennessee.Owner of Debt: Live Well Financial, 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:LOCATED IN HAMILTON COUNTY, STATE OF TENNESSEE, DESCRIBED AS FOLLOWS, TO WIT:LOTS FOUR (4), FIVE (5), TWELVE (12), THIR-TEEN (13), BLOCK SIX (6), SYLVAN HEIGHTS ADDITION, as shown by plat of record in Plat Book 6, Page 20, in the Register`s Office of Hamilton County, Tennessee.Being the same property conveyed to Doro-thy Altsman by warranty deed from Larry W. Williams and wife, Nell Jo Williams, dated 03/27/2000 and recorded 05/23/2000, in Book 5601, Page 661, in the Register`s Office of Hamilton County, Tennessee.SUBJECT TO any governmental zoning and subdivision ordinances or regulations in effect thereon.M/P 146D-L-018Commonly known as: 1112 Glenwood Drive, Chattanooga, TN 37406Tax ID: 146D-L-018Current Owner(s) of Property: DOROTHY ALTSMANThe street address of the above described property is believed to be 1112 Glenwood Drive, Chattanooga, TN 37406, but such ad-dress is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control.SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION.THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICA-TION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TERMS OF SALE ARE CASH. ANY TAXES OR FEES WILL BE THE RESPONSIBILITY OF THE PURCHASER. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE PURCHASE PRICE. THE PURCHASER SHALL

HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE.OTHER INTERESTED PARTIES: AMSOUTH BANKTHIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.If applicable, the notice requirements of T.C.A. 35-5-101 have been met.All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, but the under-signed will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or Workforce Development awre 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. 7425 and T.C.A. §67-1-1433.This property is being sold with the express reservation that the sale is subject to confir-mation by the lender or trustee. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney.MWZM File No. 17-000295-220MACKIE WOLF ZIENTZ & MANN, P. C., Substitute Trustee(s)Premier Building, Suite 4045217 Maryland WayBrentwood, Tennessee 37027PHONE: (615) 238-3630EMAIL: [email protected]. 10, 17, 24, 2017 Fmr18565


WHEREAS, Susan G. Ketchum and Joseph L. Ketchum executed a Deed of Trust to Mort-gage Electronic Registration Systems, Inc., as nominee for AmeriTrust Mortgage Company, Lender and John J. Owens, Trustee(s), which was dated February 13, 2006 and recorded on February 21, 2006 in Book GI 7848, Page 380, Hamilton County, Tennessee Register of Deeds.

WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, U.S. Bank Trust, N.A., as Trustee for LSF9 Master Participation Trust, (the “Holder”), appointed the undersigned, Brock & Scott, PLLC, as Substitute Trustee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on December 5, 2017, at

10:00AM at the usual and customary location at the Hamilton County Courthouse, Chatta-nooga, Tennessee, 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:

IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Being Lot 4, Block T, Re-Amended Plat of Belvoir Place, as shown by plat of record in Plat Book 11, Page 8, in the Register’ s Office of Hamilton County, Tennessee. REFERENCE for prior title is made to deed of record in Book 3591, Page 819, in said Register’s Office.Parcel ID Number: 157O B 005Address/Description: 314 Marlboro Avenue, Chattanooga, TN 37411Current Owner(s): Susan G KetchumOther Interested Party(ies): N/A


Brock & Scott, PLLC, Substitute Trusteec/o Tennessee Foreclosure Department 4360 Chamblee Dunwoody Road, Ste 310Atlanta, GA 30341PH: 404-789-2661 FX: 404-294-0919File No.: 16-00481 FC01

Nov. 10, 17, 24, 2017 Fmr18568

NOTICE OF TRUSTEE’S SALEWHEREAS, default has occurred in the

performance of the covenants, terms, and conditions of a Deed of Trust Note dated June 27, 2005, and the Deed of Trust of even date securing the same, recorded July 6, 2005, in Book No. GI 7590, at Page 903, in Office of the Register of Deeds for Hamilton County, Tennessee, executed by Everage Holloway, Jr. and Vicky Holloway, conveying certain property therein described to Arnold M. Weiss, Esq. as Trustee for Wells Fargo Bank, N.A.; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, N.A.

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, by Wells Fargo Bank, N.A., will, on November 30, 2017 on or about 10:00 AM, at the Hamilton County Courthouse, Chattanooga, Tennessee, offer for sale certain property hereinafter described to the highest bidder FOR certified funds paid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows:

LOCATED in the City of Chattanooga, Hamilton County, Tennessee; Lot Three (3), Block A, North Moore Manor, as shown by plat recorded in Plat Book 25, Page 19, of the Register’s Office for Hamilton County, Tennessee, to which plat reference is hereby made for a more complete description of said lot. BEING the same property conveyed to Everage Holloway, Jr. by Quitclaim Deed from Vicky A. Holloway (f/k/a Vicky A. Mat-thews and Vicky A. Hayes) dated February 20, 2001 of record in Book 5782, Page 785, and by deed from Alvin Lamar Hayes to Vicky A. Matthews, formerly Vicky A. Hayes dated October 9, 1997 of record in Book 4973, Page 862, in the Register’s Office for Hamilton County, Tennessee.ALSO KNOWN AS: 4907 North Moore Lane, Chattanooga, TN 37411

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 govern-mental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an ac-curate survey of the premises might disclose. In addition, the following parties may claim an interest in the above- referenced property:EVERAGE HOLLOWAY, JR.VICKY HOLLOWAYEPB EMPLOYEES CREDIT UNION

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. 158814

DATED November 1, 2017WILSON & ASSOCIATES, P.L.L.C.,

Successor TrusteeNov. 10, 17, 24, 2017 Fmr18564

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated May 4, 2015, executed by MARY REED, PAUL REED, conveying certain real property therein described to FIRST TITLE

11/07/2017 033131 07517 SAI OOLTEWAH LLC GCC CONSTRUCTION OWL’S NEST NEW $710,000.00

5024 HUNTERS RD, SUITE 505 RIVERFRONT PARKWAY ALEX GRACE CONSTRUCTION FOR

102-114 CHATTANOOGA, TN 37402 505 RIVERFRONT PARKWAY SUITES 102/106/110 &114

CHATTANOOGA 37363 New Construction CHATTANOOGA, TN 37402

Commercial

11/10/2017 033126L H 02006 RTB HOLDINGS LLC GREEN TECH HOMES NEW CONSTRUCITON OF $307,360.00 1340 CARRINGTON WAY 1644 ROSSVILLE AVE PAUL TERUYA SINGLE FAMILY CHATTANOOGA 37405 CHATTANOOGA, TN 37408 1925 ROSSVILLE AVE RESIDENCE, THREE Residential (1-2 Units) New Construction CHATTANOOGA, TN 37408 BEDROOMS OVER CRAWL SPACE WITH ATTACHED GARAGE

11/06/2017 033135E H 02900 PATY CHRIS CHRIS PATY NEW CONSTRUCTION $144,000.00 413 THOMPSON ST 919 FOREST AVE CONSTRUCTION CHATTANOOGA 37405 CHATTANOOGA, TN 37405 CHRIS PATY Residential (1-2 Units) New Construction 919 FOREST AVE CHATTANOOGA, TN 37405

11/06/2017 144D C 003 C & C PROPERTIES C & C PROPERTIES ADDING 660 SQ FT TO $2,500.00 804 BROWN FERRY P O BOX 24414 LARRY CRANE EXISTING GARAGE. CHATTANOOGA, TN CHATTANOOGA, TN 37422 Residential (1-2 Units) New Construction ,

11/06/2017 120J B006 JAMES & PATRICIA ROBERTS MCCOY HOMES SINGLE FAMILY $397,000.00 4924 LAKEHAVEN DR BILLY MCCOY RESIDENTIAL W/ CHATTANOOGA, TN 37416 CHATTANOOGA, TN 7550 EAST BRAINERD RD. ATTACHED GARAGE ON Residential (1-2 Units) New Construction CHATTANOOGA, TN 37421 UNFINISHED BASEMENT

11/10/2017 033149N A 05600 MARTIN TERRY & CARRIE PICKETT HOMES INC NEW SF HOME $243,000.00 8328 GRINDER CREEK PL 7620 CECELIA DR BRIAN SALES ATTACHED GARAGE CHATTANOOGA 37421 CHATTANOOGA, TN 37416 3703 LANTERN RIDGE LN Residential (1-2 Units) New Construction CHATTANOOGA, TN 37421 11/10/2017 033137H B 00100 HABITAT FOR HUMANITY HABITAT FOR HUMANITY SFH ON CRAWL SPACE $89,760.00 2314 WHEELER AVE. 1201 MAIN CHATTANOOGA CHATTANOOGA, 37406 CHATTANOOGA, TN 37408 RICKY ROBERTS Residential (1-2 Units) New Construction 1201 E MAIN ST. CHATTANOOGA, TN 37408


Financial FocusStan [email protected]

You may spend decades contributing to your IRA and 401(k). But, eventually, you’ll need to use this money. Before that day arrives, you’ll want to be familiar with the rules gov-erning withdrawals – and you’ll want to know just how much you should take out.

To begin with, withdrawals from traditional employ-er-sponsored retirement plans like these fall under the Internal Revenue Service’s “required minimum distributions” (RMD) guidelines. (You aren’t required to take these distri-butions from a Roth IRA.) Here are some of the key RMD points to keep in mind:

● You need to take distributions by age 70-1/2 . You gener-ally should begin taking RMDs in the year in which you turn 70-1/2. If you don’t take your fi rst RMD during that year, you must take it no later than April 1 of the following year. If you do put it off until April 1, you must take two distributions in one year.

If you don’t take your RMDs on time, you may have to pay the IRS a 50 percent penalty tax on the taxable portion of your uncollected distribution — so make sure you know your dates.

● You can take more than the minimum. You can withdraw more than the RMD, but, as the word “required” suggests, you can’t withdraw less.

● You may be able to delay RMDs in an employer’s retire-ment plan if you’re still working. If your employer’s retire-ment plan permits it, you may not have to take RMDs if you are still working and you are 70-1/2 or older. However, this exception won’t apply if you own 5 percent or more of your company.

To determine your RMD, you’ll need to use either the Uniform Lifetime Table, which is based on your life expectan-cy, or the Joint Life Table, if you have a spouse who is the sole benefi ciary and who is more than 10 years younger. Your tax advisor can help you make this selection.

So, now that you know the basic rules of RMDs, you’ll need to consider their impact on your retirement income. As men-tioned above, you can certainly take out more than the RMD, but should you?

If you need the extra money, then you’ll have to take it. However, when determining how much you should take be-yond your RMDs, you’ll need to weigh some other factors.

For one thing, if you can delay taking Social Security, you’ll get bigger checks, so you might be able to lower the amounts you take from your 401(k) and IRA.

Another factor to consider is the size and composition of your investment portfolio held outside your retirement accounts. If you have a sizable amount of investments, with some of them providing regular income, you may be able to aff ord to take out only your RMDs, or perhaps just slightly more. On the other hand, if your 401(k) and IRA make up the vast majority of your investment holdings, you might need to rely on them much more heavily.

In any case, though, you will need to establish an appro-priate withdrawal rate for all your investments to ensure you won’t outlive your money. A fi nancial professional can help you calculate this rate.

Do whatever it takes to maximize your benefi ts from your IRA and 401(k). � ey’re valuable assets – so use them wisely.

� is article was written by Edward Jones for use by your lo-cal Edward Jones Financial Advisor (member SIPC). Contact Stan at [email protected].

Required withdrawals from retirement plans:

What should you know?

really have no other choice,” Syler explains.

Trump won Tennessee by 26 percentage points, and he continues to wield consider-able infl uence. Even though U.S. Sen. Bob Corker decided not to seek re-election in 2018 amid a public spat with Trump, ultimately the president wins if a conservative Republican such as U.S. Rep. Marsha Blackburn captures the seat.

� e question heading into the 2018 election, Syler notes, is whether Trump’s approval rating will remain in the 50s or dips into the lower 40s, open-ing a door for Democrats.

“� e election is going to be just as much about Donald Trump, if not more, than it will be about the people whose names are on the ballot,” Syler adds.

Speculation is rampant about the impact of Trump on state races in the wake of the Virginia results. Whether the same thing could happen in Tennessee “may be a bridge too

far” for Democrats, Nolan says.But if former Tennessee

Gov. Phil Bredesen, a Demo-crat, enters and wins the U.S. Senate race, it might be the race that enables Democrats to recapture the Senate, according to Nolan.

Of course, Casada scoff s at such an idea, contending Republicans will maintain the governorship and the U.S. Senate seat, even if Bredesen and Karl Dean lead the Demo-cratic ticket. Nashville attorney James Mackler is contending as a Democrat for the Senate seat as well.

“I think you’ll see them get the highest percentage they’ve gotten in years. But, no, there is just no way 50 percent of Tennesseans will vote for those two gentlemen. � ey’re fi ne gentlemen. It’s just the party they represent is so far from the values of Tennesseans,” Casada maintains.

Bredesen and Dean might as well run as independents, Casa-da says. He laughs when he says it, but he’s not really joking.

The analysis� e Republican supermajor-

ity is probably the only thing etched in stone over the next year.

While Democrats say they represent Tennessee’s working people, fi ghting for them on issues such as health insurance, education and better roads, Republicans maintain the up-per hand on social issues such as same-sex marriage and the Second Amendment.

Democrats hold only a couple of rural seats across the state, and they could lose one of those in West Tennessee where Fitzhugh is set to leave because of the governor’s race.

Says House Republican Caucus Chairman Williams of Cookeville, “In my district in particular, most voters feel like the Democratic Party’s walked away from them.”

Democrats will remain strong in urban areas of Nashville and Memphis. Don’t look for Nashville’s doughnut counties to shift Democrat too much, like the suburban vote did in Virginia. Even so, only a handful of seats are really up for a party swap.

And unless a federal investi-gation into the Russian infl u-ence on America’s presidential election fi nds Vladimir Putin personally funded Trump’s campaign, Tennessee voters are likely to stick with Republicans.

Still, a map of the Cordell Hull Building, legislative name tags and maybe a Saturday night special will be useful in Nashville over the next couple of years.

Sam Stockard is a Nash-ville-based reporter covering the Legislature for the Nashville Ledger, Memphis Daily News, Hamilton County Herald and Knoxville Ledger. He can be reached at [email protected].

CHANGES From page 4

Events [email protected]

Jewish documentary seriesThree Jewish-themed, award-winning documentaries will be shown at 7 p.m. on three consecutive Mondays beginning Nov. 20 at the Jewish Cultural Center, 5461 North Terrace Road. Tickets are $8 per person and include popcorn and a soft drink.

Showing Nov. 20, “On the Map” tells the story of the 1977 Israel-Russia basket-ball European Cup championship game and the unlikely players who won. The fi lm series will continue Nov. 27 with “The Outrageous Sophie Tucker,” which profi les the Ukrainian-born American singer, comedian, actress and radio personality. The fi nal fi lm, “Rabin In His Own Words,” will screen Dec. 4. Through a combination of archival footage, home movies and private let-ters, the fi lm explores the personal and professional life of the former prime minister of Israel.

Information: 423 493-0270.

Grateful Gobbler WalkRegistration is open for the 18th annual Grateful Gobbler Walk. The 5K walk, run and stroll will take place Thanksgiving morning, Nov. 23, 8 a.m. The proceeds will benefi t the Maclellan Shelter for Families. The cost to participate is $25 for walkers and runners 13 years and older and $10 for ages 12 and under. Teams and individuals can register, volunteer and donate at www.grateful-gobblerwalk.org.

Christmas with StellaChoral Arts of Chattanooga will feature guest soprano Stella Zambalis during a Christmas concert to be performed Friday, Dec. 8 at 7:30 p.m. at Second Presbyterian Church, 700 Pine St. Tickets costing $20 for adults and $10 for students will be available at the door. Children 12 and under may attend for free. Zambalis is a regular guest of leading opera companies throughout the United States, Canada, Europe and South America.

Citizen budget input sessionsThe City of Chattanooga invites all community members to participate in a citizen budget input session to help inform the 2019 budget. Three sessions will be held throughout Chattanooga to give all citizens an opportunity to meet budget and administrative staff and provide input for the city’s 2018-2019 operating budget. Citizens are welcome to attend one or all three sessions:

Monday, Nov. 20

5-6:30 p.m.Kingdom Center730 E M L King Blvd.

Monday, Nov. 27

5-6:30 p.m.Hixson Youth & Family Development Center5400 School Dr.

Thursday, Nov. 30

5-6:30 p.m.Family Justice Center5705 Uptain Rd.

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First place (61)Husch Blackwell

Mike AlstonAlan CatesSamatha LunnAndrew Hodgson

Second place (61)Chambliss Bahner:

Hal NorthMike St. CharlesJustin FurrowJeff Granillo

Third place (62)Mixed team

Matt Brown

Andrew ChildressCris Helton� omas Hickey

Putting contest winnerAndrew Childress (he holed it)

Closest-to-the-pin (hole 4)Justin Furrow

Closest-to-the-pin (hole 14)

Joe WhiteLongest drive (hole 12)

Barret Albritton

2017 CHATTANOOGA BAR ASSOCIATION

Annual Golf Tournament

The Chattanooga Bar Association picked a crisp, cloudless fall afternoon for its annual golf tournament, which took place on the well-manicured Brown Acres Golf Course. Competition was tight, with teams from Husch Blackwell and Chambliss Bahner tied for fi rst at the end of 18 holes. Husch Blackwell secured the

win in a scorecard playoff that went to the seventh hole. Hal North, Mike St. Charles, Justin Furrow and Jeff Granillo were one stroke back in third.

Nine teams of four competed for the top prizes, which included $100 gift cards for each golfer on the fi rst-place team, $75 gift cards for each competitor on the second-place team and $50 gift cards for each participant on the third-place team.

Photographs by David Laprad and Lynda Minks Hood

Tournament sponsors:

The winning team:

Andrew

Hodgson,

Samantha Lunn

and Mike Alston

(Alan Cates not

pictured) repre-

senting Husch

Blackwell

Andrew Hodgson, above, tries for a hole-in-one on the eighth hole while fellow Husch Blackwell attorneys Alan Cates, left, and Mike Alston, right, look on. No one won the $10,000 prize for sinking an ace on the hole.

Runners up Justin Furrow, Mike St. Charles and Hal North (Jeff Granillo not pictured) of Chambliss Bahner

Scott McDearman of Grant

Konvalinka & Harrison.

Sam Anderson of Luther Anderson looks on as

Elizabeth Roderick eyeballs her putt.

The 2017 Chattanooga Bar Association Golf Tournament used the popular Select Shot for-mat, said to be one of the best formats to use in large group events.


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advice. Most of them are still using contractors, or they’re still pretty small, so they don’t need really complex employ-ment advice or tax advice. So, it’s been fun to be the go-to person.

“I’m not a big fan of dab-bling,” Boyd adds. “I personally enjoy having a depth of knowl-edge and being able to be the expert in an area. So, having these kinds of clients where I know a lot of the answers off the top of my head, or I can do a little research and fi nd the answer pretty quickly, has been

nice.”

intellectual property� e need for a good intellec-

tual property attorney, she says, is even greater now than it was back in the day when she used to go after book publishers that ignored their licensing agree-ments.

Many people, including business owners, often think that if something is posted on the internet, or shared on Facebook or Instagram, it’s in the public domain and up for grabs. Boyd spends much of her time educating the online creative community about the

legalities of using others’ imag-es, concepts and words.

“Honestly, a lot of times people don’t know that they’re doing anything wrong,” she says. “[It’s] not just about defending your own copyrights, but making sure that you’re using other people’s work the right way, because they can put you at a great risk with your business. If you get sued for copyright infringement, that could be $150,000 per work.

“If you use fi ve photos without permission, that can put you out of business really quickly. So, it’s a huge prob-lem, as people just do a Google image search and then start grabbing pictures.”

Although she has never worked as a journalist, Boyd uses those skills to market her fi rm through her own Legal Road Map podcasts, which she shares with clients and oth-ers through her website and iTunes. She got the idea after noticing that podcasters who interviewed her about legal ad-vice often hired her afterward, and so did her listeners.

“I think it is kind of an inti-mate experience when you’re in someone’s ear,” she adds. “� ey get a sense of what it would be like to work with that person from hearing the conversation.”

In her fi rst round of 12 pod-casts, she guided new business owners through basic questions about copyright and trademark basics, forming an LLC, and the importance of contracts. More recently, she created a series of interviews with high-achieving entrepreneurs in the online world.

� e podcasts, among other things, have helped establish Boyd as a thought leader in the online community. A member of the executive committee of the Intellectual Property sec-

tion of the Tennessee Bar As-sociation, she frequently speaks at conferences, seminars and workshops about intellectual property, negotiation tactics and business strategies.

Boyd also does a lot of local volunteer work, so much so that her spouse, who owns a construction estimating company, now insists she only serve on one non-profi t board at a time. She joined the Junior League of Chattanooga when she moved here and is now a sustaining member.

As past president of Chat-tanooga Friends, a service organization for young profes-sionals, she has raised funds for philanthropic groups that help women and children while con-necting career-minded Millen-nials. She has also volunteered her time with Kids on the Block and Common Cents, a fi nancial literacy program for children and teens, and off ers free legal aid through Co.Starters, a 9-week, small-group program at � e Company Lab that helps

wanna-be entrepreneurs test their ideas for projects, charita-ble organizations, and socially responsible businesses.

“I have a strong heart for service,” Boyd says. “I’ve been very privileged in life. Growing up, [giving back] was a value that was instilled in me.”

A singer with the Chatta-nooga Symphony and Opera chorus before she had children – in addition to 6-year-old twins, Sam and Tyson, she is also mom to a baby girl, Vivian – Boyd hopes to join the choir at her church sometime in the future. For now, what little spare time she has is spent monogramming clothes for the kids, tackling home improve-ment projects, and walking outside to “decompress.” She is currently training to run a half-marathon.

Within the next couple of years, Boyd hopes to expand her solo practice into a full-ser-vice law fi rm for online and creative entrepreneurs and bring in additional attorneys with whom she can draw “the super stars in the online world,” such as socially conscious digital life coach Marie Forleo or Pat Flynn, who helps online business owners optimize their passive income. She also wants to teach other lawyers how to build their own virtual fi rms.

For now, she is glad to have found a niche that feels right.

“� e best part is that I get to help women every day who are building businesses that allow them to build the kind of lives that they want to live,” Boyd says. “I feel like that is what opening my own business has given me. I am pretty much liv-ing the life of my dreams right now, and I get to help other people do that and build sus-tainable, profi table businesses that are going to last.”

BOYD From page 5


In addition to dispensing legal advice to a far-flung roster of clients, Boyd offers a podcast issues such as copy-right, trademark and forming an LLC.

Admit it, fans of Tennes-see-Chattanooga women’s basketball. You. Are. Spoiled.

As much as Tennessee Lady Vols fans of the 1990s and, to a smallish degree, as much as the hated UConn Huskies, years of success built on years of similar expectations have created a fan base that will accept nothing less than success.

Not that there’s anything wrong with that.

� e powers that be (or were) at UTC shared those lofty expectations. Why else would you embrace a newly elected College Basketball Hall of Fame inductee over a young wannabe or a hire from within? Further, why would Hall of Fame coach Jim Foster accept the job for anything less than a commit-ment to winning?

� is year, an 0-2 start has already started the frowns. A season-opening road loss – 60-30 to Wisconsin-Green Bay – was followed by a one-point home loss to Central Florida. � at game, a 58-57 defeat, saw the UTC women blow a 35-22 halftime lead, in part, by scor-ing only 11 points in the fourth quarter.

� ere will be little time to retool or revisit these games, however, as the UTC wom-en are opening the season by playing eight games in 16 days – only two of them at home.

All concerned now realize that winning this year could be much less than a sure thing for the Moc women. For a change, there is no Southern Confer-ence Player of the Year return-ing with a battle-tested lineup surrounding her. � at might be one reason the fi ve-time de-fending Southern Conference champs are not the preseason pick to win the league.

� ey’re picked to fi nish second behind regular-season co-champion Mercer, which lost the conference champion-ship game last year in a thriller. � e Bears are picked to win it

this year behind reigning con-ference Player of the Year Kahl-ia Lawrence. UNCG, picked third, received a fi rst-place vote from the coaches. Mercer got the other seven. UTC received fi rst-place no votes.

But don’t think for a min-ute that the cupboard is bare. Foster still has the same knack for recruiting that brought him success to St. Joseph’s, Van-derbilt and Ohio State. Five freshmen are wearing the UTC uniform for the fi rst time, and all fi ve played in the opener.

� is year, the women have a pair of preseason all-SoCon players in senior Keiana Gil-bert and sophomore Lakelyn Bouldin. Gilbert was third-team All-SoCon last year and Bouldin made the all-freshman team. � ey, along with Keiana’s

sister, Aryanna Gilbert, are listed as returning starters.

Gilbert is already a 1,000-point career scorer, while Bouldin established a new record for three-point shooting. Aryanna was the only player to log 40 minutes against Green Bay and was both the leading scorer (10 points) and rebounder (nine) in that game.

Keiana played 40 minutes against UCF, while Bouldin played 38 minutes. But Boul-din’s 12 points were off set by eight turnovers, part of a 25-turnover night that killed the home team (UCF made only 12).

“We need to get smarter,” says Foster of the disappoint-ing start. “We’re playing great

■ THE JENKINS PERSPECTIVE

Foster faces rare rebuilding campaign at UTC

David JenkinsA writer who has spent his entire

adult life in Chattanooga appreciating where he lives.

See MOCS, page 23

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Greater Chattanooga Association of Realtors | T2963 Amnicola Hwy. | Chattanooga, Tn 37406 | 423-698-8001 | Fax: 423 -698-8004 | www.gcar.net

The voice of real estate in Greater Chattanooga. Founded in 19122017 Board of Directors

Mark HitePRESIDENT

Geoff RamseyPRESIDENT-ELECT

Kim BassTREASURER

Vicki TrappMLS CHAIR

Nathan WalldorfIMMEDIATE PAST PRESIDENT

Robert BackerMyra Cochran

Jennifer CooperBecky Cope English

Robert FisherDan GriessJon Hughes

Paula PalmerBrenda Pargeon

John PayneRobyn Ring

Brandi Pearl ThompsonKevin Wamack

Commercial CouncilRobert Fisher

PRESIDENT

Russ ElliottJohn HealySteve Hunt

Jeff JenningsBen PittsJoe Pleva

Bill Raines

Northwest Georgia CouncilMyra Cochran

PRESIDENT

Joanna JacksonPRESIDENT ELECT

Clayton TaylorTREASURER & STATE DIRECTOR

Martha AlexanderIan O’SheaSue Sims

Real EstateNews and notes from the Greater

Chattanooga Association of Realtors®

�e Chattanooga real estate mar-ket continued to demonstrate its re-silience in October as sales increased over last year despite a significant decrease in the amount of available homes for sale.

In October, Realtors in the Greater Chattanooga region sold 793 res-idential units compared to 788 in 2016. �is .6 percent increase in sales pushed the year-to-date total to 8,250 homes for a .7 percent increase.

�is increase in sales was achieved despite a 24.5 percent decrease in the number of available units for sale. �e region ended October with just 2,909 homes on the market for sale –

a record low in modern history.Buyer confidence remained high,

and resulting demand pushed the median sales price up 2.9 percent to $175,000 for the month. At the

same time, the average sales price hit $211,202, which is a 5.8 percent in-crease compared to the same period last year. �e average price stands at $210,127 for the first 10 months of 2017, which is a strong increase com-pared to last year’s average through October of $193,763.

Low inventory and strong demand meant homes sold at a near record pace. �e average home took 54 days from listing date until it was placed under contract. �is represented a 12.9 percent decrease from October 2016 and decreased the YTD average to 59 days on the market.

As would be expected, the months’

supply of inventory dipped to 3.5 months in October. �is represents a 27.1 percent decrease from last year and is less than the national aver-age, which has been running at four months of supply.

�e number of new listings com-ing to market remained very consis-tent with the year’s trend. In October, new listings decreased 6.9 percent from last year, which falls in line with the YTD trend of minus 6.8 percent.

While no one has a crystal ball, there is one indicator that gives clues to future months sales trends. �e number of contracts written but not

Home sales remain strong in October

Mark HitePresident, Greater Chattanooga

Association of Realtors®

REALTOR ASSOCIATION PRESIDENT’S MESSAGE

See GCAR, page 14


By David Laprad

Crye-Leike affiliate broker Donna Darnes has a saying she likes to remember when she encounters an obstacle: “�e difference between try

and triumph is a little umph.”Scribbled in ink on a Post-it note

and affixed to a mirror next to her desk in her Ooltewah office, the quote is attributed to Marvin Phillips. “I don’t know who he is but I like what he said,” Darnes says.

A casual observer might think the whimsical aphorism offers Darnes the inspiration she needs to muscle through a rough day at work. But this is no trite saying to the 54-year-old Realtor; it’s a guiding principle that has helped her turn what could have been devastating circumstances into personal and professional victories.

One such episode was both a personal and professional setback: when Darnes lost her house during the Great Recession. While she wasn’t alone in suffering the stigma of foreclosure, she felt especially embar-rassed because of her profession.

“Going into foreclosure was humil-iating because I’m a Realtor,” Darnes

Photograph by David Laprad

Darnes turns financial fall into success

See DARNES, page 14

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obtained the LeadingRE Relocation Specialist, At Home with Diversity and e-PRO certifications. She also supports her profession by being an active member of GCAR, where she serves on the Professional Standards Committee, and RCAR. Darnes is licensed in Tennessee and Georgia and serves buyers and sellers in and around Hamilton County.

Real estate is more than a means of making a living to Darnes, though. It has provided her with her immediate family.

“I went with another company when I started out in real estate. When I moved to Crye-Leike in 2007, I looked at it as just another compa-ny, albeit one that would be better for my clients and me,” she says. “But now all of these people are my family. �is office is closely knit; we love and support each other. We all bleed red.”

Darnes’ clients have become family as well. She points to a stack of a half-dozen greeting cards on her desk, each of which contains a hand-written message from her. “�ese are my happy house anniver-sary cards,” she says, smiling. “I love my clients. I know everyone says this, but my clients are amazing. �ey truly are the best in the world.”

�e relationships Darnes has forged through her work have helped to fill a void that exists because of her com-mitment to her profession: she has no significant other. Darnes married in her mid-twenties but left that relation-ship before her son was born and has been single ever since. Although she’s dated, finding someone with staying power hasn’t been easy.

“It’s hard to date when you do what I do for a living. Men get jealous of your phone and male clients, and wonder why you’re leaving to show someone a property at eight o’clock at night,” she explains. “Because of my profession, I need a man who’s either an equally hard worker and un-

derstands why I put in so many hours or someone who’s compassionate and will stay by my side no matter what.”

Darnes is grateful that her mother, Fay, and 28-year-old son, Brandon, are within arm’s reach. Her mother and stepfather, John, live with her in her home in Harrison. She convinced them to move in with her two years ago so she could help her mother take care of her stepfather, who has Alzhei-mer’s disease. (Darnes affectionately calls her stepfather “John-John.”)

“�at’s been stressful because we’re both strong-willed women, but we’ve survived,” Darnes says.

Darnes’ son lives nearby as well – in a cabin on the same plot of land on which she lives. �eir relationship has also had its ups and downs because of Darnes’ work. “He says I’m always working. But he also realizes he’s had food on his table and a roof over his head – and he knows what that takes,” she says. “So, while he’s had some difficulty with my work, he’s also thanked me for it.”

Seated at her desk at Crye-Leike, Darnes has progressed from talking stoically about her work to warming up as she discusses her clients and family. But one question, inspired by the curly sticky note on her mirror, catches herdl off guard: What is your greatest triumph?

She lowers her head. Several seconds later, she tries to speak but has trouble getting the words past the threat of tears. Eventually, she pulls one sentence through the looming cloudburst: “Making it this far as a single mother,” she says, her eyes glistening. “It wasn’t easy. My son is strong-headed like his momma, but he’s a good kid.”

Darnes wipes her tears and shifts her thoughts to a lighter topic. With winter moving in, she’ll have to put her favorite activity – yardsaling – on the shelf until spring. �is is her “me time,” when she focuses on herself and what makes her happy. “I feel like a kid in a candy store when I find the one item that makes me giddy,” she says.

Many of those unearthed artifacts end up at her booth at Gateway Antiques Mall on Cloud Springs Road. Although a few months of slim pickings lie ahead for Chattanoo-ga’s “Realtor picker,” she’s stocked her space with plenty of items for the months ahead. Even though the booth represents more work, Darnes refers to it as her hobby.

Her phone stays with her, though, and she’s only a call or a text away from slipping into work mode. Her dedication and responsiveness make her one of Crye-Leike’s treasures, Griess says.

“We all face challenges in our lives and careers, and Donna has perse-vered through more than her share,” he says. “She’s an excellent example of what a person and a Realtor should be.”


acknowledges. “I lost more than my house and SUV; I lost my pride.”

Darnes says those years were the worst she’s experienced. But during that time, she found the Phillips quote, and it inspired her to give her circumstances “a little umph.”

“I knew I’d bounce back and be successful; so, I kept smiling and stayed positive,” Darnes adds.

Darnes also worked hard. Re-ally hard. As she recovered from her losses and rebuilt her personal infrastructure, she put her nose to the grindstone and left it there. At one point, her business cards sported the motto, “Your 24/7 Realtor.”

“A client once texted me at 2 in the morning,” Darnes adds. “When I replied immediately, he told me to get some sleep.”

Darnes’ efforts paid off. In ad-dition to Crye-Leike honoring her for outstanding sales by making her a lifetime member of the compa-ny’s Multi-Million Dollar Club, her achievements in residential real estate helped her to obtain the Certified Residential Specialist designation – a title held by only 29,000 of the 1.2 million Realtors in the U.S., accord-ing to the National Association of Realtors.

Her broker, Dan Griess, says he wishes more of his agents worked as hard as Darnes. “Donna has a heck of a work ethic. If she’s not in her office, I know she’s out there getting things done.”

As a Realtor, Darnes is defined by more than a willingness to work hard; she’s also known for her savvy marketing. �is is evident in the details she pours into her listing re-marks on the multiple listing services operated by the Greater Chattanooga Association of Realtors and the River Counties Association of Realtors in Cleveland, Tennessee.

“Every property is unique – and I try reflect that in the listing remarks,” she points out. “I have a client with a house, a cottage, an RV pad and other neat things on his property. I didn’t just put that he has a three-bedroom, two-bath house; I listed all the special things, too. You can never know what someone might be looking for.”

Darnes is also known for being direct with her clients. Or, as she puts it, “brutally honest.”

“I believe in telling a client what his home is worth. I don’t believe in in-flating the price to win someone over or give them false hope,” Darnes says. “I’ve lost listings because of that. But I want my clients to trust me.”

Darnes’ insistence on integrity has paid off: most of her business comes from referrals and repeat customers.

Following in the footsteps of honesty is persistence, which Darnes exhibits through her negotiating skills and salesmanship. When a couple recently asked her to find them a rental, she asked, “Why not buy?” �e pair said they didn’t want to purchase a home because Realtors had burned them in the past. Darnes told them they would be spending $1,500 on rent instead of $1,000 on house pay-ments, showed them a few properties and had them under contract in less than a week.

“�ey’re thrilled,” Darnes adds. “�at experience changed the way they look at Realtors. Every profes-sion has its good and bad apples – and I never want to leave a bad taste in someone’s mouth.”

Darnes also prides herself in being her clients’ right hand. �is is evident in the way she’s ready to answer any question and tackle any issue – day or night. “My phone never leaves my side,” she says.

It can also be seen in her unique value-added service: removing the clutter from her clients’ houses – and minds.

“I help clients sell their unwanted things before they move. Many of them don’t have the time, ability or know-how to do that, so I do it free of charge, without taking a cut,” Darnes explains. “�ey appreciate me taking that stress off of them. I sold over $5,000 worth of stuff for one client.”

Finally, Barnes is known for lend-ing an empathetic ear to her clients. “I’ve been through it all. I’ve lost a house, I’ve worried about having enough money for a down payment and I’ve sold one house while buying another one,” she says. “So, I tell my clients, ‘If you can’t sleep because something is weighing heavy on your mind – call me. I’m here for you.’”

Although Darnes has been a Realtor for 12 years, she’s wanted to sell real estate since her late teens. She didn’t have the confidence for it at that time, though, so she entered the legal profession instead. She started out as a skip tracer in Idaho, where she grew up, then became a legal secretary. After moving back to Tennessee, where she was born, she earned an associate’s degree at Cleveland State Community College and became a paralegal.

After 20 years in the legal pro-fession, Darnes decided to pursue her first choice of career. “I thought Realtors made a lot of money, went on vacation all the time and made their own schedule,” she recalls. “Boy, was I wrong.”

Darnes kept her job as a paralegal for nine months while she met with real estate clients and did cold calls during the evenings. Eventually, she was doing well enough to quit her day job and became a full-time Realtor.

Darnes has never looked back or stopped pressing forward. In addi-tion to earning her CRS designation through a combination of profession-al achievements and class work, she’s

DARNES From page 13

For more information

(423) 544-1906

[email protected]

www.donnadarnes.com

Photograph by David Laprad

Donna Darnes writes anniversary cards to clients marking the date she helped them purchase their homes.

yet closed, known as pending sales, saw a strong surge in October. Area Realtors placed 849 homes under contract in October, which is a 21.6

percent increase over last year. �is would indicate that sales for Novem-ber and December should be strong and ensure the region ends the year on a positive sales path.

GCAR From page 13

Two members of the Home Builders Association of Great-er Chattanooga were recently elected to positions with the Home Builders Association of Tennessee.

Ethan Collier was elected 2018 vice president – secretary, and Jay Bell was elected South-east region area vice president.

Collier, founder and presi-dent of Collier Construction, becomes the fi rst HBAT senior offi cer from Chatta-nooga in 34 years. He will become vice president –

treasurer in 2019 and assume the presidency of the 2,600 member statewide association in 2020. Collier is currently chairman of the Chattanooga/Hamilton County Regional Planning Commission and past

president of HBAGC and has served on a number of local non-profi t organizations.

For Collier, it was a rapid ascension from various local non-profi t positions to the top of the HBAT ladder.

“It’s been a great learning experience every step of the way,” Collier says. “Being able to meet and connect with so many diff erent people from all corners of the state has been both fulfi lling and challenging. I’m proud of our local home builders association and the eff ort it has put into growing and becoming more involved at the state level. It’s humbling to be elected to a statewide lead-ership position and serve our industry and membership.”

Bell is a second-generation builder in Chattanooga and Hamilton County and owns Bell Home Builders. As south-east region area vice president, an offi ce Bell has held for the

past two years, he will represent local home builder asso-ciations in fi ve diff erent areas – Chattanoo-ga and Ham-ilton County,

Warren County, Cumberland County, South Central and the Ocoee Regional Builders Association.

It was a tremendous honor to be reelected by my peers,” Bell adds. “Now, more than ever, our local associations need to work together and help each other out in order to best promote and protect our industry. I’m looking forward to continuing this service over the next two years and doing everything I can to support our builders, associates and affi liate members.”

Source: HBAGC

See CRITIC, page 22


The Critic’sCornerBy David [email protected]

‘Orient Express’ has a sleeping berth

I know snoring is frowned upon at the movies. It’s up there with texting, talking and chewing Jujubes with mouth open on the list of capital off enses at the cinema. But it’s not like I did it on purpose.

It’s just that “Murder on the Orient Express,” the new fi lm based on the famous 1934 Agatha Christie mystery, is boring. To the fellow fi lmgoer who tapped my shoulder and pointed to the nearest exit, please accept my sincerest apology.

Having seen the fi lm twice, I estimate I missed just over half of it during my fi rst sitting. When I returned two days later to see it in full and write a proper review, I went in armed with a large soda and a bag of M&M’s. If the caff eine didn’t keep me up, maybe the sugar would, I thought.

I still struggled to stay focused during the second half of the movie. It’s just ... so ... boring.

Kenneth Branagh, who directed the fi lm and stars as Hercule Poirot, Christie’s famous detective, tried to make an entertaining movie. But I fear he was hampered by a screen-play that loses steam the farther along the rails it travels.

� e novel’s central conceit is well-known: A tangle of strangers, including Poirot, board the titular train. Before long, someone is murdered. � e detective is on the case, piecing together clues and cross-examining witness.

� e fi lm follows this premise, as well and, as I understand from doing a bit of research, contains only one major modi-fi cation from the novel. Having not read Christie’s thriller, I cannot vouch for that.

As I mentioned, Branagh didn’t set out to make a snooz-er. On the contrary, the opening scenes, when the director introduces Poirot as he solves a theft in Jerusalem and is then ushered aboard the Orient Express by circumstances beyond his control, are visually lavish and quite fun.

I felt like I was watching a classic fi lm fi lled with beautiful locations and hundreds of extras and propelled by the joy of cinema. If the entire fi lm had maintained the energy of its fi rst third, I’d be writing a diff erent review.

Branagh also put together a stellar group of A-list actors for the fi lm. Sounding somewhat like the cast of “Clue,” there’s Michelle Pfeiff er as the widow, Willem Dafoe as the professor, Leslie Odom Jr. as the doctor and so on. Add Penelope Cruz, Judi Dench, Johnny Depp and more, and you have a cast that feels like a throwback to the days when fi lms were often packed with star power and celebrity.

Finally, Branagh is wonderful as Poirot. Trained at the Royal Academy of Dramatic Art in London, he brings a Shakespearian ferocity to the role while also infusing the detective with amusing quirks. Egregious facial hair aside, I immediately liked Poirot.

Although Poirot is famous, he’s not an archetype. Rather, he’s a complex character whose well-being hinges on main-taining balance in the world. � is includes everything from insisting the boiled eggs he eats for breakfast be identical in size to ensuring justice is served when a crime is com-mitted.

To serve mismatched eggs or to fail to catch a killer would leave an im-balance and disrupt Poirot’s world. Branagh and screenwrit-er Michael Green (“Logan,” “Blade Runner 2049”) carefully developed this aspect of the detective, which is vital to what happens in the climactic scene.

Unfortunately, by the time “Murder on the Orient Ex-press” ended, I was simply glad it was over. How could this be, given the fi ne work done on diff erent aspects of the fi lm? Simple: Once the train is stuck behind an avalanche in a remote mountain range, the story ceases to be interesting or

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Ethan Collier, Jay Bell elected to state HBA posts

Keep your fireplace clean and safePicture yourself hosting a

gathering at your home during the holidays. � e mental image you conjure most likely includes some delicious food, festive music and a roaring fi re in the fi replace, right?

Building a fi re creates a cozy atmosphere and adds an ele-ment of elegance. But whether yours is a wood-burning or gas-burning fi replace, each requires maintenance to ensure it’s safe to use. So before you light a match or ignite the pilot light, consider the following:

Wood-burning fi replacesHiring a professional chim-

ney sweep at least once every one to fi ve years (depending on how often you use it) is the best way to ensure it’s safe to use. If you’re in a newer home with a fresh air vent to supply the fi replace with combustion air, open it and the damper before you light your fi re. � en remember to close both when you’re not using the fi replace so warm air doesn’t escape in the winter and cool air won’t escape in the summer.

Gas fi replacesA gas fi replace provides

the comfort and style of a wood-burning unit but they’re more effi cient and require less maintenance. “Low-main-tenance” does not mean “no-maintenance,” however, so it’s best to have your gas fi re-place inspected and adjusted by a professional on an annual basis.

Vented gas fi replaces expel exhaust gases (mainly water

vapor and carbon dioxide) outside your home without a chimney. If your gas fi replace is vented, the fl ue or vent should be closed when the fi replace is not in use.

And regardless of whether yours is a vented or ventless fi replace, it should never pro-duce a gas odor (diff erent from a burning smell). � e smell of gas could indicate a problem. Immediately turn off the gas and report the problem to the gas company.

Building, extinguishing fi resA wood-burning fi replace

should be equipped with andirons (or a grate) and a well-fi tted screen. Fires should always be built on the andirons

or grate – not directly on the fi replace fl oor. Seasoned hard-wood is the best fuel. Do not burn pine logs in your fi replace, as they contain a tar that can accumulate in the chimney and become a fi re hazard.

You should never leave a fi re unattended for an extended pe-riod of time, and always ensure the fi re is put out when you’re fi nished enjoying it.

To properly extinguish a fi re in a wood-burning fi replace, begin by using your fi replace poker or shovel to spread out the wood and embers into a fl attened pattern. After the fl ames die out, cover the cool-ing wood and embers with a few scoops of ash.

Once the fi re is completely extinguished, you can sprinkle a thin layer of baking soda over the wood to ensure no embers are burning.

For more fi replace safety and home maintenance advice, or to fi nd an appropriate contractor in your area, contact the Home Builders Association of Greater Chattanooga at www.hbagc.net or (423) 624-9992.

Mike CroxallPresident, Home Builders

Association of Greater Chattanooga

Bell

Collier



VANDERGRIFF AND WIFE.Parcel ID: 082128PROPERTY ADDRESS: The street address of the property is believed to be 1211 DEBBIE LN, Hixson, TN 37343. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): ESTATE OF/ANY-AND-ALL-HEIRS OF PAUL REEDOTHER INTERESTED PARTIES: SECRETARY OF HOUSING AND URBAN DEVELOPMENTThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #125965Nov. 17, 24, Dec. 1, 2017 Fmr18530


WHEREAS, Bettye L. Allen, Single executed a Deed of Trust to American Home Mortgage Company, Lender and Title Escrow of Chatta-nooga. Inc., Trustee(s), which was dated June 27, 1994 and recorded on June 29, 1994 in Book 4369, Page 739, Hamilton County, Ten-nessee Register of Deeds.


NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on December 14, 2017, at 10:00AM at the usual and customary location at the Hamilton County Courthouse, Chatta-nooga, Tennessee, 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:

Beginning at the Northwest corner of the tract conveyed by V. W. Nelson and wife, Helen Jean Nelson to James E. Melton and wife, Jo Ann Melton, by deed recorded in Book 1691, Page 39, in the Register’s Of-fice of Hamilton County, Tennessee; thence Eastwardly, along the Northern line of said Melton Tract, One hundred (100) feet to the Southwest corner of tract conveyed by F. A. Roark and wife, Izetta Roark to Edward D. Jolley and wife, Bessie Sue Jolley, by deed recorded in Book 1098, Page 445, in the said

Register’s Office; thence Northwardly, along the Western line of said Jolley tract, fifty (50) feet to the Northwest corner thereof; thence Eastwardly along the Northern line of said Jolley tract, One hundred Twenty-five (125) feet to the Northeast corner thereof; thence Southwardly, along the Eastern line of said Jolley tract, fifty (50) feet to the Southeast corner thereof; thence Eastwardly along the Northern line of the tract conveyed by Ger-trude Koons, widow to Robert H. Curtis and wife, Seventy-five (75) feet to the Northeast corner thereof; thence southwardly, along the eastern line of said Curtis tract, One hundred twenty five (125) feet to the Northern line of Gay Street; thence Eastwardly along theÂ northern line of Gay Street, Twenty (20) feet to the Southwest corner of the tract conveyed by Wallace N. Roark to Warner L. Waugh and wife, by deed recorded in Book 1037, Page 519, in the said Register’s Office, thence Northwardly along the Western line of said Waugh tract and said line extended along the Western line of another Waugh Tract described in Book 1362, Page 402 in said Register’s Office a total distance of One hundred thirty eight (138) feet thence South 68 Degrees East, Eighteen Feet to a corner in a hedge line; thence North 38 degrees East, one hundred one (101) feet more or less, to the north line of F. A. Roark’s original tract; thence West along the North line of F. A. Roark’s original tract, three hundred sixty-two feet, more or less to it’s intersection with the extension Northwardly of the Western line of said Melton tract; thence Southwardly along said extension, one hundred (100) feet more or less, to the Point of beginning. Source of Grantors title is Warranty Deed being recorded simultaneously herewith, being the last document of record.SUBJECT To any governmental zoning and subdivision ordinances or regulations in effect thereon.Parcel ID Number: 147B B 025Address/Description: 3417 Gay Street, Chattanooga, TN 37411.Current Owner(s): The Estate of Bettye L. Allen.Other Interested Party(ies): N/A



Nov. 17, 24, Dec. 1, 2017 Fmr18561


WHEREAS, Michael W. McKamey executed a Deed of Trust to Mortgage Electronic Registra-tion Systems, Inc., as nominee for Mortgage Investors Group, Lender and Charles E. Tonkin, II, Trustee(s), which was dated May 27, 2011 and recorded on June 14, 2011 in Book GI 9417, Page 594, Hamilton County, Tennessee Register of Deeds.


NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on December 14, 2017, at 10:00AM at the usual and customary location

at the Hamilton County Courthouse, Chatta-nooga, Tennessee, 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:

LOCATED IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: BEING LOTS FIFTEEN (15) AND SIXTEEN (16), DALLAS LAKE VIEW, as shown by plat of record in Plat Book 15, Page 80, in the Register’s Office of Hamilton County, Ten-nessee, to which plat specific reference is hereby made and incorporated herein as if copied verbatim. Being the same property conveyed to HSBC Mortgage Services, Inc. by Deed in Lieu of Foreclosure from Marjorie Dawn Stimmell and Carl Lee Stimmell, dated 02/01/2011 and recorded 02/09/2011, in Book 9346, Pages 890-892, in the Register’s Office of Hamilton County, Tennessee. Being the same property conveyed to Michael McKamey by Special Warranty Deed dated May 27, 2011 and recorded June 14, 2011 in Book GI 9417, Pages 591-593, in the Reg-ister’s Office of Hamilton County, Tennessee.FOR PRIOR TITLE: Being the same property conveyed to Robbie L. McLean Attorney at Law by Deed of Trust executed by Marjorie Dawn Stimmell and husband Carl Lee Stim-mell, dated 10/05/2006 and recorded in Book 8113, Page 924; and further being the same property conveyed to Marjorie Dawn Stimmell and husband Carl Lee Stim-mell, by Warranty deed from W. Hurshall Dickinson and wife, Linda R. Dickinson, dated 09/27/2004 and recorded in Book 7294, Page 218, all in the Register’s Office of Hamilton County, Tennessee. SUBJECT TO Any conditions, covenants, restrictions, reservations or easements of record. SUBJECT TO Any governmental zoning and subdivision ordinances or regulations in effect thereon. SUBJECT TO Restrictions of record in Book 1011, Page 273 said Register’s Office, but omitting any covenant, condition, restriction based on race, color, religion, sex, handicap, familial status or national origin as provided in 42 USC Section 3604, unless and only to the extent that said covenant (a) is not in violation of state or federal law, (b) is exempt under 42, USC Section 3607, or (c) relates to a handicap, but does not discriminate against handicapped people. M/P 075P-B-002 Commonly known as: 8902 Peach Street, Soddy Daisy, TN 37379Parcel ID Number: 075P B 002Address/Description: 8902 Peach Street, Soddy Daisy, TN 37379Current Owner(s): Michael McKameyOther Interested Party(ies): N/A



Nov. 17, 24, Dec. 1, 2017 Fmr18562

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated December 20, 2010, executed by DEREK L. HATFIELD, K. MICHELLE HATFIELD, conveying certain real property therein described to KATHRYN L. HARRIS, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennes-see recorded December 28, 2010, in Deed Book GI 9319, Page 959; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF

AMERICA, N.A. who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 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 certified funds ONLY, the fol-lowing described property situated in Hamilton County, Tennessee, to wit:LOCATED IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: LOT FIFTY-ONE (51), CROSS TIMBERS, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 27, PAGE 204, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. ACCORDING TO SAID PLAT SAID LOT FRONTS 85 FEET ON THE EAST LINE OF CROSS TIMBERS CIRCLE AND EXTENDS EASTWARDLY BETWEEN PARALLEL LINES A DISTANCE OF 125 FEET TO THE EAST LINE OF SAID LOT. THIS CONVEYANCE IS MADE SUBJECT TO THE FOLLOWING: ANY GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES OR REGULATIONS IN EFFECT THEREON. ALL APPLICABLE CONDITIONS, RESTRICTIONS, RESERVATIONS, EASE-MENTS, ETC., AS SHOWN ON SAID PLAT. RESTRICTIONS AS SET OUT IN INSTRUMENT RECORDED IN BOOK 2045, PAGE 742, IN THE SAID REGISTER`S OFFICE. SIXTEEN (16) FOOT TELEPHONE COMPANY EASEMENT ALONG REAR OR EASTERN LOT LINES AS SHOWN BY DOTTED LINES ON SAID PLAT. BUILDING REQUIREMENTS AND FIVE (5) FOOT DRAINAGE EASEMENT RESERVED ALONG ALL SIDE AND REAR PROPERTY LINES, AS STIPULATED ON LEGEND OF SAID RECORDED PLAT.Parcel ID: 0747P E 017PROPERTY ADDRESS: The street address of the property is believed to be 8439 Cross Timbers Circle, Hixson, TN 37343. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): DEREK L. HATFIELD, K. MICHELLE HATFIELDOTHER INTERESTED PARTIES: Midland Funding, LLC, Assignee of Citibank, Midland Funding, LLC, Assignee of Target National BankThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126681Nov. 17, 24, Dec. 1, 2017 Fmr18563

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated January 19, 2005, executed by LOIS ANN DOWDING, VICTORY L. DOWDING, conveying certain real property therein described to MARCY L LOWERY, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Ten-nessee recorded January 24, 2005, in Deed Book GI 7406, Page 596 - 600at Instrument Number 2005012400328; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Bayview Loan

Servicing, LLC, a Delaware Limited Liability Company who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennes-see. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:ALL THAT CERTAIN PARCEL OF LAND IN SECOND CIVIL DISTRICT, HAMILTON COUNTY, STATE OF TN, AS MORE FULLY DESCRIBED IN BOOK 3136, PAGE 490, ID#169H-D-40.01, BEING KNOWN AND DESIGNATED AS LOT 56, IN THE SUBDIVISION OF REVISED MAP OF EALY ESTATES, FILED IN PLAT BOOK 14 AT PAGE 49. Parcel ID: 169H D 040.01PROPERTY ADDRESS: The street address of the property is believed to be 4903 CT DR, CHATTANOOGA, 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): LOIS ANN DOWDING, VICTORY L. DOWDINGOTHER INTERESTED PARTIES: City of East Ridge TNThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126738 Nov. 17, 24, Dec. 1, 2017 Fmr18567

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on December

14, 2017 at 10:00AM local time, at the west door, Hamilton County Courthouse, 625 Geor-gia Ave., Chattanooga, Tennessee pursuant to Deed of Trust executed by Michael B. Oxendine, to Arnold M. Weiss, Trustee, as trustee for Wells Fargo Bank, N.A. on December 3, 2009 at Book GI9071, Page 202, Instrument No. 2009120700234; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Hamilton County Register’s Office. 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: Wells Fargo Bank, NA, its successors and assigns.

The following real estate located in Ham-ilton County, Tennessee, will be sold to the highest call bidder:

Described property located at Hamilton County, Tennessee, to wit:TRACT ONE(1) BEING A PART OF LOT FOUR-TEEN (14) LOCKWOOD HEIGHTS NUMBER THREE (3), NORTHERN PLATEAU, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 16, PAGE 55, IN THE REGISTER’S OFFICE OF HAMILTON COUNTY, TENNESSEE, AND MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEING AT A POINT IN THE WESTERN LINE OF SLEEPY HOLLOW ROAD SAID POINT BE-ING LOCATED TEN (10) FEET NORTH OF THE

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NORTHEAST CORNER OF LOT THIRTEEN (13) OF THE ABOVE REFERRED TO SUBDIVISION; THENCE IN A NORTHERN DIRECTION ALONG THE WESTERN LINE OF SLEEPY HOLLOW ROAD SIXTY -FIVE (65) FEET TO A POINT BE-ING THE SOUTHEASTERN CORNER OF LOT FIFTEEN (15) OF THE ABOVE REFERENCED SUBDIVISION; THENCE IN A WESTERN DI-RECTION ALONG THE SOUTHERN LINE OF FIFTEEN (15) ONE HUNDRED FIVE AND FIVE TENTHS (105.5) FEET TO A POINT; SAME BEING THE MOST SOUTHWEST CORNER OF LOT FIFTEEN (15); THENCE IN A SOUTHEAST DIRECTION, NINETY-TWO (92) FEET MORE OR LESS TO A POINT TEN (10) FEET NORTH OF THE NORTH LINE OF LOT THIRTEEN (13); THENCE PARALLEL TO THE NORTH LINE OF LOT THIRTEEN (13), EIGHTY-EIGHT (88) FEET TO THE POINT OF BEGINNING. TRACT TWO (2) BEING A PART OF LOT FIFTEEN (I5), LOCKWOOD HEIGHT NUMBER THREE (3), NORTHERN PLATEAU, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 16, PAGE 55, IN THE REGISTER’S OFFICE OF HAMILTON COUNTY, TENNESSEE. ACCORDING TO SAID PART OF LOTS IS DESCRIBED AS: BEGINNING AT THE SOUTHEAST CORNER OF SAID LOT IN THE WEST LINE OF SLEEPY HOLLOW ROAD; THENCE NORTH ALONG THE WEST LINE OF SLEEPY HOLLOW ROAD, ONE HUNDRED TWELVE AND SIX TENTHS (112.6) FEET TO THE NORTHEAST CORNER OF SAID LOT; THENCE NORTHWEST, ONE HUNDRED TWENTY-NINE AND FIVE TENTHS (129.5) FEET TO A POINT IN THE WEST OF SAID LOT ONE HUNDRED FIFTY-SEVEN AND SIX-TENTHS (157.6) NORTH OF THE SOUTHWEST CORNER OF LOT FIFTEEN (15); THENCE SOUTH ALONG THE WEST LINE OF LOT FIFTEEN (15), A DISTANCE OF ONE HUNDRED FIFTY SEVEN AND SIX-TENTHS (157.6) NORTH OF THE SOUTHWEST COR-NER OF LOT FIFTEEN (15); THENCE SOUTH ALONG THE WEST LINE OF LOT FIFTEEN (15), A DISTANCE OF ONE HUNDRED FIFTY SEVEN AND SIX TENTHS (157.6) FEET TO THE SOUTHWEST CORNER OF LOT FIFTEEN (15); THENCE EAST ALONG THE SOUTH LINE OF LOT FIFTEEN (15), A DISTANCE OF ONE HUNDRED AND FIVE AND FIVE-TENTHS (105.5) FEET TO THE BEGINNING.Being the same property conveyed to Michael B. Oxendine by Warranty Deed recorded in Book 9071, page 198, in the Register’s Office of Hamilton County, Tennessee.Street Address: 3517 Sleepy Hollow Rd, Chattanooga, Tennessee 37415Parcel Number: 118G A 020Current Owner(s) of Property: Michael B. Oxendine

The street address of the above described property is believed to be 3517 Sleepy Hollow Rd, Chattanooga, Tennessee 37415, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control.

This sale is subject to, without limitation, all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be ap-plicable; any statutory right of redemption of any governmental agency, state or federal; any prior liens or encumbrances including those created by a fixture filing or any applicable homeowners’ association dues or assessments; all claims or other matters, whether of record or not, which may encumber the purchaser’s title and any matter that an accurate survey of the premises might disclose.

The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: Secretary of Housing and Urban Development; Tennessee Department of Revenue.

The State of Tennessee Depart-ment of Revenue has filed notice(s) of lien at: State Tax Lien in Book GI 9640, Page 939 Hamilton County Registry. Notice required by § 67-1-1433(b)(1) of the Tennessee Code to be given to the Tennessee Commissioner of Revenue has been timely given. The sale of the land described above will be subject to the right of the State of Tennessee to redeem the land as provided for in § 67-1-1433(c)(1) of the Tennessee Code.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Michael B. Oxendine, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and homestead are waived in

accord with the terms of said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Sub-stitute Trustee.

The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon an-nouncement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.

This property is being sold with the express reservation that the sale is subject to confirma-tion by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the purchaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or marketability of title.

This office 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 & Ingle, LLPSubstitute Trustee

10130 Perimeter Parkway, Suite 400Charlotte, NC 28216

Phone: (704) 333-8107Fax: (704) 333-8156

www.auction.comFile No. 17-113750

Nov. 17, 24, Dec. 1, 2017 Fmr18581

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated September 21, 2007, executed by JUSTIN T DEOCAMPO, TIFFANY M ANDERSON, conveying certain real property therein described to EMMETT JAMES HOUSE OR BILL R MCLAUGHLIN, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded Septem-ber 24, 2007, in Deed Book GI 8476, Page 948; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to REGIONS BANK D/B/A REGIONS MORTGAGE who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennes-see. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:IN THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: LOT FOUR (4), UNIT TWO (2), YELLOW PINES SUBDIVISION, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 35, PAGE 40, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO ALL EASE-MENTS AND STIPULATIONS SHOWN ON SAID PLAT. SUBJECT TO RESTRICTIVE COVENANTS OF RECORD IN BOOK 2679, PAGE 569, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE, BUT OMITTING ANY COVENANT OR RESTRICTION BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS OR NATIONAL ORIGIN UNLESS AND ONLY TO THE EXTENT THAT SAID COVENANT (A) IS EXEMPT UNDER CHAPTER 42, SECTION 3607 OF THE UNITED STATES CODE OR (B) RELATES TO HANDICAP BUT DOES NOT DISCRIMINATE AGAINST HANDICAPPED PERSONS.Parcel ID: 095A A 018PROPERTY ADDRESS: The street address of the property is believed to be 7607 YELLOW PINES DRIVE, 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): JUSTIN T DEOCAMPO, TIFFANY M ANDERSONOTHER INTERESTED PARTIES: Gault Financial LLC, ORNL Federal Credit UnionThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126888 Nov. 17, 24, Dec. 1, 2017 Fmr18582

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated August 30, 2006, executed by JOHNNY UNDERWOOD, MICA UNDERWOOD, conveying certain real property therein described to CENTURY TITLE ESCROW INC, as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded September 7, 2006, in Deed Book GI 8075, Page 13; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Wells Fargo Bank, National Association, as trustee for the holders of the First Franklin Mortgage Loan Trust 2006-FF17 Mortgage Pass-Through

Certificates, Series 2006-FF17 who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instru-ment to be filed for record in the Register’s Office of Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:LYING AND BEING IN HAMILTON COUNTY, TENNESSEE: BEGINNING AT A POINT IN THE NORTHERN LINE OF SCHOOL STREET, AT THE SOUTHWEST CORNER OF THE PROPERTY CONVEYED TO BOBBY R. WATKINS AND WIFE, BY THAT DEED RECORDED IN BOOK 1729, PAGE 629, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE; THENCE NORTHWARDLY, ALONG THE EASTERN LINE OF THE TRACT CONVEYED TO MARTIN R, CALDWELL AND WIFE, BY THAT DEED RE-CORDED IN BOOK 1232, PAGE 421, IN THE SAID REGISTER`S OFFICE AND CONTINUING ALONG THE EASTERN LINE OF THE TRACT CONVEYED TO MARTIN R. CALDWELL AND WIFE, BY THAT DEED RECORDED IN BOOK 1453, PAGE 352, IN THE SAID REGISTER`S OFFICE, A TOTAL DISTANCE OF TWO HUNDRED NINETEEN (219) FEET, MORE OR LESS, TO THE CENTER OF A CREEK; THENCE WEST-WARDLY, ALONG THE CENTER OF A CREEK TO THE NORTHWEST CORNER OF THE SAID CALDWELL TRACT; THENCE SOUTHWARDLY ONE HUNDRED SEVENTY-NINE (179) FEET TO A POINT IN THE NORTHERN LINE OF SCHOOL STREET; THENCE EASTWARDLY, ALONG THE NORTHERN LINE OF SCHOOL STREET, EIGHTY (80) FEET TO THE POINT OF BEGINNING.THIS CONVEYANCE MADE SUBJECT TO THE FOLLOW-ING: SUBJECT TO ALL NOTES, STIPULATIONS, RESTRICTIONS, EASEMENTS, CONDITIONS, AND REGULATIONS AS SET OUT ON RECORDED PLAT. ANY GOVERNMENTAL ZONING AND SUB-DIVISION ORDINANCES IN EFFECT THEREON.Parcel ID: 040M E 020PROPERTY ADDRESS: The street address of the property is believed to be 219 SCHOOL STREET, SODDY DAISY, TN 37379. In the event

of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): JOHNNY UNDERWOOD, MICA UNDERWOODOTHER INTERESTED PARTIES: HENRY COUNTY MEDICAL CENTER The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126955 Nov. 17, 24, Dec. 1, 2017 Fmr18584

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated February 4, 2005, executed by AMBER M. HOLRITZ, NATHAN A. HOLRITZ, conveying certain real property therein described to PRLAP, INC., as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded February 8, 2005, in Deed Book GI 7421, Page 575; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and



and payable, and that the undersigned, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 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 certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: LOT EIGHTY (80), OF BAGWELL CITY, AS SHOWN BY PLAT RECORDED IN PLAT BOOK 15, PAGE 102, REGISTER`S OFFICE FOR HAMILTON COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE COMPLETE DESCRIPTION.Parcel ID: 118D G 017PROPERTY ADDRESS: The street address of the property is believed to be 3908 BIRMINGHAM DRIVE, CHAT-TANOOGA, 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): CHARLENE DENTONOTHER INTERESTED PARTIES: TENNESSEE HOUSING DEVELOPMENT AGENCYThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 use or purpose.THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #127007 Nov. 17, 24, Dec. 1, 2017 Fmr18587

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on Decem-

ber 13, 2017 at 11:00 am local time, at the west door, Hamilton County Courthouse, 625 Georgia Ave., Chattanooga, Tennessee pursu-ant to Deed of Trust executed by David L. Hill and Delores E. Hill, to First American Title Insurance Company, Trustee, as trustee for Mortgage Electronic Registration Systems, Inc. as nominee for Sun West Mortgage Company,

assigned to Nationstar Mortgage LLC d/b/a Mr. Cooper who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Ten-nessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the under-signed, Rubin Lublin TN, PLLC, 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 14, 2017 at 10:00 AM at the West Door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Hamilton County, Tennessee, to wit:SITUATED IN HAMILTON COUNTY, TENNESSEE, AND MORE PARTICULARLY DESCRIBED, TO-WIT: ALL THAT TRACT OR PARCEL OF LAND LY-ING AND BEING IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE, BEING LOT TWELVE (12), ROBIN GLEN SUBDIVISION, AS SHOWN BY PLAT RECORDED IN PLAT BOOK 69, PAGE 63, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE.Parcel ID: 139P-A-021.11PROPERTY ADDRESS: The street address of the property is believed to be 2571 ROBIN GLENN 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): AMBER M. HOLRITZ, NATHAN A. HOLRITZOTHER INTERESTED PARTIES: Internal Rev-enue Service (TN), MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC AS NOMINEE FOR AmSouth BankThe sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive cov-enants, 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 re-demption, 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 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 9508, Page 144. Notice of the sale has been given to the UNITED STATES OF AMERICA in accordance

with 26 U.S.C. 7425(b).In addition this sale shall be subject to the right of redemption by the UNITED STATES OF AMERICA, pursuant to 26 U.S.C. 7425(d)(1) by reason of the following tax lien(s) of record in: Book GI 9696, Page 268. Notice of the sale has been given to the UNITED STATES OF AMERICA in accordance with 26 U.S.C. 7425(b).In addition this sale shall be subject to the right of redemption by the UNITED STATES OF AMERICA, pursuant to 26 U.S.C. 7425(d)(1) by reason of the following tax lien(s) of record in: Book GI 10251, Page 228. Notice of the sale has been given to the UNITED STATES OF AMERICA in accordance with 26 U.S.C. 7425(b).In addition this sale shall be subject to the right of redemption by the UNITED STATES OF AMERICA, pursuant to 26 U.S.C. 7425(d)(1) by reason of the following tax lien(s) of record in: Book GI 10914, Page 514. Notice of the sale has been given to the UNITED STATES OF AMERICA in accordance with 26 U.S.C. 7425(b).THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Rubin Lublin TN, PLLC, Substitute Trustee119 S. Main Street, Suite 500Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992Fax: (404) 601-5846 Ad #126956 Nov. 17, 24, Dec. 1, 2017 Fmr18585

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on December 14, 2017 on or about 11:00AM local time, at the Main door of the Hamilton County Court-house, Chattanooga, Tennessee, conducted by the Substitute Trustee as identified and set forth herein below, pursuant to Deed of Trust executed by THOMAS RENO, to P.S. Services, Inc., Trustee, on December 13, 2011, at Record Book GI 9557, Page 942 as Instrument No. 2012011900187 in the real property records of Hamilton County Register’s Office, Tennessee.Owner of Debt: Finance of America Reverse, LLCThe 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 land referred to herein below is situated in the County of Hamilton, State of Tennessee, and is described as follows:Lot Nineteen (19), Third Unit, Fairacres Sub-division, as showny by plat of record in Plat Book 19, Page 34 in the Register`s Office of Hamilton County, Tennessee.The said Wanda Sue Reno having since departed this life on or about February 21, 2002 thereby vesting absolute fee simple title unto Thomas E. Reno.Parcel ID:110P A 015Tax ID: 110P A 015Current Owner(s) of Property: THOMAS RENOThe street address of the above described property is believed to be 1706 Bagwell Av-enue, Hixson, TN 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 referenced herein shall control.SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION.THE RIGHT IS RESERVED TO ADJOURN THE

DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICA-TION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TERMS OF SALE ARE CASH. ANY TAXES OR FEES WILL BE THE RESPONSIBILITY OF THE PURCHASER. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE PURCHASE PRICE. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE.OTHER INTERESTED PARTIES: ESTATE OF THOMAS E. RENO AND DISCOVER BANK AND SECRETARY OF HOUSING AND URBAN DEVELOPMENTTHIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.If applicable, the notice requirements of T.C.A. 35-5-101 have been met.All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, but the under-signed will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or 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. 7425 and T.C.A. §67-1-1433.This property is being sold with the express reservation that the sale is subject to confir-mation by the lender or trustee. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney.MWZM File No. 17-000286-220MACKIE WOLF ZIENTZ & MANN, P. C., Substi-tute Trustee(s)PREMIER BUILDING, SUITE 4045217 MARYLAND WAYBRENTWOOD, TENNESSEE 37027PHONE: (615) 238-3630EMAIL: [email protected]. 17, 24, Dec. 1, 2017 Fmr18586

NOTICE OF SUBSTITUTE TRUSTEES SALE WHEREAS, default has occurred in the perfor-mance of the covenants, terms and conditions of a Deed of Trust dated December 29, 2006, executed by CHARLENE DENTON, conveying certain real property therein described to STEW-ART TITLE OF TENNESSEE, INC., as Trustee, as same appears of record in the Register’s Office of Hamilton County, Tennessee recorded January 9, 2007, in Deed Book GI 8205, Page 357; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Bayview Loan Servicing, LLC, a Delaware Limited Liability Company who is now the owner of said debt; and WHEREAS, the undersigned, Rubin Lublin TN, PLLC, hav-ing been appointed as Substitute Trustee by instrument to be filed for record in the Register’s Office of Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due

Inc. on January 9, 2015 at Book GI 10381, Page 526, Instrument No. 2015011500157; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Hamilton County Register’s Of-fice. 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: Sun West Mortgage Company, Inc., its successors and assigns.


Described property located at Hamilton County, Tennessee, to wit:The land referred to is situated in the City of Chattanooga, County of Hamilton, State of Tennessee and is described as follows:A CERTAIN TRACT OR PARCEL OF THE LAND IN HAMILTON COUNTY, STATE OF TENNESSEE, DESCRIBED AS FOLLOWS, TO-WIT:LAND IN HAMILTON COUNTY, TENNESSEE, BEING LOT NO. TWENTY (20) ON THE REVISED PLAT OF HERITAGE GREEN SUB-DIVISION, LOTS 19 AND 20, OF RECORD IN PLAT BOOK 69, PAGE 102, WHICH PLAT REVISED THE PLAN OF HERITAGE GREEN SUBDIVISION, LOTS 9-13, 18-21 & 39-42, OF RECORD IN PLAT BOOK 57, PAGE 274, AND THE PLAN OF HERITAGE GREEN, LOTS 1 THRU 51, OF RECORD IN PLAT BOOK 58, PAGE 109, REGISTER’S OFFICE OF SAID COUNTY, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE COMPLETE DESCRIPTION.BEING THE SAME PROPERTY CONVEYED TO DAVID L. HILL AND DELORES E. HILL, HUSBAND AND WIFE FROM MARY HELEN HICKS, UNMARRIED BY DEED DATED 23-MAY-2014 AND RECORDED ON 02-JUN-2014 IN BOOK 10226 PAGE 130 IN THE COUNTY RECORDER’S OFFICE OF HAMILTON COUNTY, TN.Street Address: 919 Norfolk Green Cir, Chattanooga, Tennessee 37421Parcel Number: 170E A 012Current Owner(s) of Property: David L. Hill and Delores E. Hill

The street address of the above described property is believed to be 919 Norfolk Green Cir, Chattanooga, Tennessee 37421, 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.


The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by,

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Foreclosure NoticesContinued from page 18 ANY INFORMATION OBTAINED WILL BE USED

FOR THAT PURPOSE.If applicable, the notice requirements of T.C.A. 35-5-101 have been met.All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, but the under-signed will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or 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. 7425 and T.C.A. §67-1-1433.This property is being sold with the express reservation that the sale is subject to confir-mation by the lender or trustee. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney.MWZM File No. 14-002565-670JOHN R. ROAN, or JERRY A. BRIDENBAUGH, Substitute Trustee(s)Premier Building, Suite 4045217 Maryland WayBrentwood, Tennessee 37027PHONE: (615) 238-3630EMAIL: [email protected]. 17, 24, Dec. 1, 2017 Fmr18594


performance of the covenants, terms, and conditions of a Deed of Trust Note dated October 14, 2005, and the Deed of Trust of even date securing the same, recorded October 20, 2005, in Book No. GI 7717, at Page 977, in Office of the Register of Deeds for Hamilton County, Tennessee, executed by Rickey Grissom, conveying certain property therein described to TRSTE II, Inc. as Trustee for Mortgage Electronic Registration Systems, Inc., as nominee for Wachovia Mortgage Cor-poration, its successors and assigns; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, N.A..

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, by Wells Fargo Bank, N.A., will, on January 11, 2018 on or about 10:00 AM, at the Hamilton County Courthouse, Chattanooga, Tennessee, offer for sale certain property hereinafter described to the highest bidder FOR certified funds paid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows:

Lot 40, Block 8, Resubdivision of East Highlands, of record in Plat Book 59, Page 265, in the Register’s Office of Hamilton County, Tennessee. THIS CONVEYANCE MADE SUBJECT TO THE FOLLOWING: Re-strictions as set out in instrument recorded in Book 356, Page 330 as modified in Book 795, Page 682, in the Register’s Office of Hamilton County, Tennessee, but omitting any covenant or restriction based on race, color, religion, sex, handicap, familial status or national origin unless and only to the ex-tent 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 all notes, stipulations, restrictions, easements, conditions, and regulations as set out on recorded plat. Any governmental zoning and subdivision ordinances in effect thereon.ALSO KNOWN AS: 733 Sylvan Drive, Chat-tanooga, TN 37411-2026

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 govern-mental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an ac-curate survey of the premises might disclose. In addition, the following parties may claim

as shown by plat of record in Plat Book 32, Pages 116-1, 2, 3, and 4, in the Registrar’s Office of Hamilton County, Tennessee. ALSO KNOWN AS: 8221 Mill Race Drive, Ooltewah, TN 37363

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 govern-mental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an ac-curate survey of the premises might disclose. In addition, the following parties may claim an interest in the above- referenced property:KATHLENE Y. NOBLESDAVID MARTIN NOBLESMILL RUN HOACITIBANK SOUTH DAKOTA, NAFIA CARD SERVICES NAASSET ACCEPTANCE, LLCGAULT FINANCIAL, LLC The sale held pursuant to this Notice may be rescinded at the Successor Trustee’s option at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 165065


Successor TrusteeNov. 17, 24, Dec. 1, 2017 Fmr18593

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on December 21, 2017 on or about 11:00AM local time, at the Main door of the Hamilton County Courthouse, Chattanooga, Tennessee, conducted by the Substitute Trustee as identified and set forth herein below, pursuant to Deed of Trust ex-ecuted by RONNIE L MURPHY AND MARGARET MURPHY, to Arnold M. Weiss, Trustee, on July 6, 2008, at Record Book GI 7195, Page 498 as Instrument No. 2004070800218 in the real property records of Hamilton County Register’s Office, Tennessee.Owner of Debt: The Bank of New York Mellon Trust Company, National Association fka The Bank of New York Trust Company, N.A. as suc-cessor to JPMorgan Chase Bank, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset-Backed Pass Through Certificates Series 2004-KS8The 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:LYING AND BEING IN THE CITY OF CHAT-TANOOGA COMMONLY KNOWN AS: LOT FOUR (4), RICE`S ADDITION TO CHEROKEE WOODS, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 27, PAGE 34, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE.BEING THE SAME PROPERTY CONVEYED TO HARRIS L. MOORE AND IDA M. MOORE BY DEED DATED JANUARY 27, 1998 AND FOUND OF RECORD IN BOOK 5018, PAGE 256, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE.SUBJECT TO ANY GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES OR REGULA-TIONS IN EFFECT THEREON.SUBJECT TO FIVE (5) FOOT DRAINAGE EASE-MENT ALONG SIDE AND REAR LOT LINES AS SET OUT ON RECORDED PLAT.SUBJECT TO RESTRICTIONS LIKE THESE AFFECTING LOTS IN CHEROKEE WOODS SUBDIVISION.Tax ID: 128M A 015Current Owner(s) of Property: RONNIE L MUR-PHY AND MARGARET MURPHYThe street address of the above described property is believed to be 4305 TEE PEE DRIVE, CHATTANOOGA, TN 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 referenced herein shall control.SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION.THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICA-TION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TERMS OF SALE ARE CASH. ANY TAXES OR FEES WILL BE THE RESPONSIBILITY OF THE PURCHASER. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE PURCHASE PRICE. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE.OTHER INTERESTED PARTIES: MOUNTAIN LAUREL ASSURANCE CO.THIS IS AN ATTEMPT TO COLLECT A DEBT AND

through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: Tennessee Department of Revenue.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of David L. Hill and Delores E. Hill, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and homestead are waived in accord with the terms of said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Sub-stitute Trustee.






Phone: (704) 333-8107Fax: (704) 333-8156

www.shapiro-ingle.comFile No. 17-113542

Nov. 17, 24, Dec. 1, 2017 Fmr18589

TRUSTEE’S NOTICE OF SALE OF REAL ESTATE AND AFFIXED MANUFACTURED

HOMEANTHONY R. STEELE, Trustee of a Deed of Trust executed on October 22, 2011, by MARK A. BEYER and wife, DANIELLE R. BEYER, which appears of record in the Register’s Office of Hamilton County, Tennessee, at Book GI 9469, Page 65 (“Deed of Trust”) will sell the property described below for cash at a foreclosure sale requested by the current holder of the Deed of Trust and underlying indebtedness, Vanderbilt Mortgage and Finance, Inc. Pursuant to T.C.A. §47-9-604 this sale shall also include the affixed manufactured home described as one (1) 2009 CMH Rutledge Manufactured Home bearing Serial Number CLR026018TNAB.Sale Date and Location: December 15, 2017, at 10:00 a.m. at the Walnut Street entrance of the Hamilton County Courthouse, Chattanooga, Tennessee.Property Description: Abbreviated descrip-tion per TCA 35-5-104(a)(2) is the property referenced and described fully at Book GI 9469, Page 62, and commonly known as 2004 Spradlin Road, Soddy Daisy, Hamilton County, TN 37379.Property Address: 2004 Spradlin Road, Soddy Daisy, Hamilton County, TN 37379.Tax Map Identification No.: 034-070.08 (However, the property description shall control in the event of any inconsistencies between the description and address or tax identifica-tion number).Parties Interested: NONE KNOWN.All sales of Property, both real and personal, are “AS IS” and “WHERE IS” without representation or warranty as to merchantability or fitness for a particular purpose or of any kind, except as to title and authority to convey. The sale of the described property is subject to all matters shown on any recorded plan; any unpaid taxes, any restrictive covenants, easements, set-back lines, prior liens, encumbrances, if any, and

any other priority as may appear in the public records. Title to the manufactured home may be transferred by Bill of Sale or Certificate of Title, as the case may require. The right is preserved to adjourn the day of the sale to another day, time and place certain without further publication, upon announce-ment at the time and place for the sale set forth above.THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT THE DEBT AND ANY INFORMATION OBTAINED AS A RESULT WILL BE USED FOR THAT EXPRESS PURPOSE ONLY. THIS COM-MUNICATION IS FROM A DEBT COLLECTOR. This the 13th day of November, 2017. Anthony R. Steele, TrusteeWinchester, Sellers, Foster & Steele, P.C. P. O. Box 2428Knoxville, TN 37901(865) 637-1980Nov. 17, 24, and Dec. 1, 2017 Fmr18591

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on December

14, 2017 at 10:00AM local time, at the west door, Hamilton County Courthouse, 625 Geor-gia Ave., Chattanooga, Tennessee pursuant to Deed of Trust executed by Tony Hines and Laura E. Hines, to FMLS, Inc., Trustee, as trustee for Regions Bank d/b/a Regions Mortgage on January 20, 2012 at Book GI 9568, Page 990, Instrument No. 2012020600225; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Hamilton County Register’s Office. De-fault 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: Regions Bank dba Regions Mortgage, its successors and assigns.


Described property located at Hamilton County, Tennessee, to wit:The following described real estate located in Hamilton County, Tennessee, to wit:Located in the Second Civil District of Ham-ilton County, Tennessee: the northeastern ten (10) feet of Lot Seven (7) and the south-western portion of Lot Nine (9), Maywood Subdivision, as shown by plat recorded in Plat Book 9, Page 3, of the Register’s Office of Hamilton County, Tennessee, and described as: Beginning at a point in the southeastern line of Martin Road, 10 feet southwestwardly from a northwestern extension of the dividing line between Lots Seven (7) and Nine (9), if measured at right angles thereto; thence southeastwardly, parallel to and at all points 10 feet southwestwardly of said dividing line and its extension 95.8 feet to a point in the dividing line between Lots Eight (8) and Seven (7); thence northeastwardly, along said divid-ing line 10.1 feet to the most northern corner of the Lot Eight (8); thence southeastwardly, along the dividing line between Lots Eight (8) and Nine (9), a distance of 100 feet of the most western corner of Lot Twenty-Four (24); thence northwardly along the dividing line between Lots Twenty-Four (24) and Nine (9), a distance of 63 feet to a point; thence northwestwardly and parallel to the dividing lines between Lots Eights (8) and Nine (9), a distance of 163.4 feet to a point in the southeastern line of Martin Road; thence southwestwardly along said line 77.9 feet to the beginning.This conveyance is made subject to all ap-plicable restrictions, easements, conditions and building setback lines of record.Street Address: 3604 Martin Rd, Chatta-nooga, Tennessee 37415Parcel Number: 109P-A-023Current Owner(s) of Property: Tony E Hines and Laura Elizabeth Hines

The street address of the above described property is believed to be 3604 Martin Rd, Chattanooga, Tennessee 37415, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control.


The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: None.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Tony Hines and Laura E. Hines, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and homestead are waived in accord with the terms of said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Sub-stitute Trustee.






Phone: (704) 333-8107Fax: (704) 333-8156

www.auction.comFile No. 13-047701

Nov.17, 24, Dec. 1, 2017 Fmr18592


performance of the covenants, terms, and conditions of a Deed of Trust Note dated August 30, 2002, and the Deed of Trust of even date securing the same, recorded September 3, 2002, in Book No. GI 6354, at Page 635 and re-recorded on October 4, 2002, in Book No. GI 6393, at Page 650, in Office of the Register of Deeds for Hamilton County, Tennessee, executed by Kathlene Y. Nobles and David Martin Nobles, conveying certain property therein described to Title Ins. Co. of Chattanooga as Trustee for Mortgage Electronic Registration Systems, Inc., as a nominee for Relocation Financial Services, Inc., its successors and assigns; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, NA.

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, by Wells Fargo Bank, NA, will, on December 14, 2017 on or about 10:00 AM, at the Hamilton County Courthouse, Chattanooga, Tennessee, offer for sale certain property hereinafter described to the highest bidder FOR certified funds paid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows:

Lot One Hundred Thirty-three (133) of the Final Planned Unit Development of Mill Run



an interest in the above- referenced property:RICKEY GRISSOMESTATE OF RICKEY GRISSOM HEIRS OF RICKEY GRISSOM

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. 324168


Successor TrusteeNov. 17, 24, Dec. 1, 2017 Fmr18599

SUBSTITUTE TRUSTEE’S NOTICE OF SALEWHEREAS, JOSE A. PAQUE and wife, LEO-

NILA GUADALUPE, executed a certain trust conveyance to, Pioneer Title Agency, Inc., on the 14th day of July, 2016, to secure the pay-ment of a certain note of like date, said trust conveyance being of record in Book 10799, page 605, Register’s Office of Hamilton County, Tennessee, to which reference is made for full contents thereof; andWHEREAS, Samuel F. Hudson was substituted as Trustee by appointment of record in Book Gl 11184, page 753, Register’s Office of Hamilton County, Tennessee; and

WHEREAS, said trust conveyance (deed of trust) provides for the sale of the property hereinafter described in the event of default in payment of the indebtedness secured; and

WHEREAS, default has been made in the payment of the indebtedness secured by said trust conveyance.

NOW THEREFORE, by virtue of the author-ity vested in me as Substitute Trustee, I will on Tuesday the 9th day of January, 2018, at 2:00 o’clock (E.S.T.), at the front door of the Courthouse in Hamilton County, Tennessee, offer for sale and sell to the highest and best bidder for cash, and in bar of the equity of redemption, the following described tract of land situated in the and being more particularly described as follows:LOCATED IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE, being Lot Three (3), F.B. Taylor’s Subdivision of Lots Twenty-one (21), Twenty-two (22), Twenty-three (23), and Twenty-four (24), Durham & Mayer Addition to Fairmount on Walden’s Ridge and more particularly described as follows: BEGIN-NING on the northeastern line of Walnut Street at the southwestern corner of Lot Two (2) of said subdivision; running thence northeasterly along the northwestern line of said Lot Two (2), two hundred thirty-two (232) feet, more or less, to the southern line of Maple Street; thence northwestwardly along the southern line of Maple Street, sixty-one and nine-tenths (61.9) feet, more or less, to an iron stake; thence westwardly, one hundred sixty-five (165) feet, more or less, to the northeastern line of Walnut Street; thence southwardly along Walnut Street, one hundred eighty-two (182) feet, more or less, to the POINT OF BEGINNING.

The right is reserved to adjourn the day of the sale to another day and time certain, without further publication and in accordance with law, upon announcement of said adjourn-ment on the day and time and place of sale set forth above. The sale held pursuant to this Notice may be cancelled at the Substitute Trustee’s option at any time.

If the highest bidder cannot pay the bid within the time period established following the sale, then Substitute Trustee will accept the next highest bidder, at their highest bid, which will then be deemed the successful bidder.

This sale is an attempt to collect a debt and any information obtained will be used for that purpose.

Said sale is subject to .any and all unpaid taxes, and any other claims, liens, leases, easements, setback lines, restrictions or encumbrances contained in any instrument in the chain of title thereto which would be superior to the Deed of Trust set forth herein.OTHER INTERESTED PARTIES: NONEPhysical Address:2010 Walnut Street, Signal Mountain, TN 37377This 14th day of November, 2017.Nov. 17, 24, Dec. 1, 2017 Fmr18604

SUBSTITUTE TRUSTEE’S SALE Default having been made in the payment of the debts and obligations secured to be paid by a certain Deed of Trust executed April 28, 2006 by George W. Roberts, III and Janice L. Roberts, husband and wife as joint tenants with right of survivorship to Bruce C. Bailey,

as Trustee, as same appears of record in the office of the Register of Hamilton County, Tennessee, in Book GI 7927, Page 408, and the undersigned having been appointed Sub-stitute Trustee by instrument recorded in the said Register’s Office, and the owner of the debt secured, Ditech Financial LLC, having requested the undersigned to advertise and sell the property described in and conveyed by said Deed of Trust, all of said indebtedness having matured by default in the payment of a part thereof, at the option of the owner, this is to give notice that the undersigned will, on Thursday, December 14, 2017 commencing at 10:00 AM, at the West Door of the Ham-ilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402, Hamilton County, Tennessee proceed to sell at public outcry to the highest and best bidder for cash, the following described property, to-wit: Situated in County of Hamilton, State of Tennessee.Being in the City of Chattanooga, Hamilton County, Tennessee: Lot One (1), Block One (1), Amended Souder’s Addition to East End Subdivision, as shown by plat of record in Plat Book 5, Page 8 in the Register’s Office of Hamilton County, Tennessee.Tax Parcel ID: 168JQ011Property Address: 4400 13th Avenue, Chat-tanooga, TN. All right and equity of redemption, home-stead and dower 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. ARNOLD M. WEISS, Substitute Trustee Weiss & Cummins, PLLC 208 Adams Avenue Memphis, Tennessee 38l03 90l-526-8296 File # 7189-129108-FCDitech Financial LLC/George RobertsNov. 17, 24, Dec. 1, 2017 Fmr18605

Court Notices

NOTICESTATE OF TENNESSEE, DEPARTMENT OF CHIL-DREN’S SERVICES V.TAMRA TAYLOR The State of Tennessee, Department of Children’s Services has filed a petition in Hamilton County Juvenile Court, to adjudicate its Petition for Temporary Custody filed on behalf of the child, J. Thomas, born January 17, 2017.

A hearing in this case is set for December 11, 2017, at 1:30 p.m. Tamra Taylor mustappear before this Court on that date to participate in a hearing to determine whether the child is dependent and neglected and the future custody of the child. The Court is located at 1600 E.3rd Street, Chattanooga, TN 37404. If Tamra Taylor, does not come to the trial, the state will ask the Court to allow it to proceed without contest. That means that the state will ask the Court to let it present proof without Tamra Taylor present in Court. Any appeal of this Court’s final disposition on the Petition alleging dependency and neglect will be governed by the provisions of T.C.A. §37-1-107(e), (f), requiring the party to request a de novo rehearing of this matter by the Judge of the Juvenile Court, by filing a request with the Juvenile Court Clerk within five (5) days, following the entry date of this Order. In the event no re-hearing is requested within the five (5) days, or when the right to a hearing is waived, the findings and recommendations of the Magistrate become the final decree of the Court. The final order may be appealed to the Circuit Court within ten (10) days follow-ing the entry date of this Order. Appeal may be made by filing a Notice of Appeal with the Juvenile Court Clerk.

You may obtain a copy of the Petition and any subsequently filed legal documents or hearing dates in the Juvenile Court Clerk’s Office at the address shown above. This will constitute appropriate service on him for all future filings in this case.Nov. 3, 10, 17, 24, 2017 Cmr18550

ORDER OF PUBLICATIONIn the Chancery Court of Sequatchie

County, Tennessee.No. A-2494

In re: Adoption of Children:Tinsley Layne, DOB: 1/05/2005Le’Land Layne, DOB: 10/12/2010

Billy R. Layne, Jr and Cathy LaynePetitionersvs.Tiffany Layne, Arias Wilson (Father of Tinsley Layne) andLeAngelo Ramey (Father of Le’Land Layne),Respondent

It appearing by affidavit that ARIAS WILSON, Respondent, is a resident of Tennessee and that personal service of process cannot be had upon him; service of process by publication having been ordered, he is hereby required to appear and answer or otherwise defend against the complaint of BILLY R. LAYNE and CATHY LAYNE, Petitioners, whose attorney is Samuel F. Hudson, P.O. Box 485, 15688 Rankin Avenue, Dunlap, TN 37327, within thirty (30) days after the date of the last publication of this notice; otherwise, default judgment may be entered against you for the relief demanded in the complaint. It is further ordered that this notice shall be published in the Hamilton County Herald, Hamilton County, Tennessee, a weekly newspaper of general circulation in Hamilton County, Tennessee, once weekly for four consecutive weeks beginning November 10, 2017

This 30th day of October, 2017.Jeffrey Stewart

ChancellorBy: Michelle Grant

Deputy ClerkSamuel F. Hudson, BPR# 022852Attorney for Petitioner15688 Rankin AvenueP.O. Box 485Dunlap, TN 37327(423) 949-7900/ Fax (423) 949-9100Nov. 10, 17, 24, Dec. 1, 2017 Cmr18566

Non-Resident NoticeState of Tennessee, County of Hamilton

Docket No. 17D2251DIVISION

PHILLIP ANDREW SLAUGHTERVSREBECCA DAWN SLAUGHTER It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon REBECCA SLAUGHTER. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless REBECCA SLAUGHTER answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by REBECCA SLAUGHTER and the case will be set for hear-ing ex parte or without REBECCA SLAUGHTER presence. This 18th day of October 2017.

Larry L. HenryCircuit Court Clerk

J. Wheeler, D.C.Deputy Clerk

Attorney for Plaintiff:Richard Brent TeeterOct. 27, Nov. 3, 10, 17, 2017 Cmr18535



AMANDA GAIL MILLERVSJASON KEENER MILLER It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon JASON KEENER MILLER. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless JASON KEENER MILLER answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by JASON KEENER MILLER and the case will be set for hearing ex parte or without JASON KEENER MILLER presence. This 1st day of November 2017.


T. Skolfield, D.C.Deputy Clerk

Attorney for Plaintiff:Richard Brent TeeterNov. 10, 17, 24, Dec. 1, 2017 Cmr18574



JAMES DEWAYNE EVANSVSANNETT WHEELER TAYLOR EVANS It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon ANNETT EVANS. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless ANNETT EVANS answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by ANNETT EVANS and the case will be set for hearing ex parte or without ANNETT EVANS presence. This 18th day of October 2017.



Attorney for Plaintiff:Richard Brent TeeterOct. 27, Nov. 3, 10, 17, 2017 Cmr18536

STATE OF TENNESSEEGENERAL SESSIONS COURT OF HAMILTON

COUNTYDocket Number: 13GS7072Plaintiff: REPUBLIC FINANCEDefendant: PHILLIPS RICKEY DDate of this Order: 10/19/2017Appearance Date: 12/18/2017At 11:00 a.m.Appearance Address: Court of General Ses-sions, Civil DivisionRoom 111 Hamilton County City Courts Building600 Market StreetChattanooga, TN 37402-1911

ORDER OF PUBLICATIONIt appearing from the record in this cause that the defendant is a non-resident of Ten-nessee, and certain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment issued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Order shall be published in a newspaper by this County as required by law.

LARRY L. HENRY, CLERKKim Emmett, Deputy Clerk

Attorney for Plaintiff:Mayfield and LesterOct. 27, Nov. 3, 10, 17, 2017 Cmr18537



ELIZABETH BARRY KEATINGVSREGINALD BERNARD CAULY It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon REGINALD BERNARD CAULY. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless REGINALD BERNARD CAULY answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publica-tion of this order, the same will be taken as admitted by REGINALD BERNARD CAULY and the case will be set for hearing ex parte or without REGINALD BERNARD CAULY presence. This 1st day of November 2017.


T. Skolfield, D.C.Deputy Clerk




SARA MUNOZ RAMOSVSLUIS IVAN QUIROZ MORAN

It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon LUIS QUIROZ MORAN. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless LUIS QUIROZ MORAN answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by LUIS QUIROZ MORAN and the case will be set for hearing ex parte or without LUIS QUIROZ MORAN presence. This 23rd day of October 2017.



Attorney for Plaintiff:Hector I OlivenciaNov. 10, 17, 24, Dec. 1, 2017 Cmr18578

STATE OF TENNESSEEGENERAL SESSIONS COURT OF HAMILTON

COUNTYDocket Number: 16GS9996Plaintiff: FIRST HERITAGE CREDIT OF TEN-NESSEEDefendant: STANLEY KELLYEDate of this Order: 11/03/2017Appearance Date: 01/08/2018At 11:00 a.m.Appearance Address: Court of General Ses-sions, Civil DivisionRoom 111 Hamilton County City Courts Building600 Market StreetChattanooga, TN 37402-1911

ORDER OF PUBLICATIONIt appearing from the record in this cause that the defendant is a non-resident of Ten-nessee, and certain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment issued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Order shall be published in a newspaper by this County as required by law.

LARRY L. HENRY, CLERKKim Emmett, Deputy Clerk

Attorney for Plaintiff:Brian L. O’ShaughnessyNov. 10, 17, 24, Dec. 1, 2017 Cmr18579


Docket No. 17D547DIVISION II

CARLOS PARISVSNICOLE E. LEE It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon NICOLE LEE. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless NICOLE LEE answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by NICOLE LEE and the case will be set for hearing ex parte or without NICOLE LEE presence. This 30th day of October 2017.



Attorney for Plaintiff:Pro SeNov. 10, 17, 24, Dec. 1, 2017 Cmr18575


Docket No. 17D2050DIVISION I

JAMES PATRICK ROWEVSLISA REANE ROWE It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon LISA ROWE. IT IS ORDERED that publication be made



fourth weekly publication of this order, the same will be taken as admitted by ARNOLD BRYANT and the case will be set for hearing ex parte or without ARNOLD BRYANT presence. This 8th day of November 2017.



Attorney for Plaintiff:Richard Brent TeeterNov. 17, 24, Dec. 1, 8, 2017 Cmr18596



TINA DIANE WESTMORELANDVSJEFFERY ALLEN WESTMORELAND It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon JEFFERY WESTMORELAND. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless JEFFERY WESTMORELAND answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by JEFFERY WESTMORELAND and the case will be set for hearing ex parte or without JEFFERY WESTMORELAND presence. This 8th day of November 2017.






RONNIE JR. MOOREVSLESLIE ERICA MOORE It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon LESLIE MOORE. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless LESLIE MOORE answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennes-see, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by LESLIE MOORE and the case will be set for hearing ex parte or without LESLIE MOORE presence. This 8th day of November 2017.




ORDER OF PUBLICATIONCase No.: 2017-1082

PUBLICATION ON ADOPTION(AULIO MIGUEL BERDUGO OR ANY

UNKNOWN OR UNDISCLOSED PARENT)In the Probate Court of Tuscaloosa County, Alabama.IN: THE MATTER OF ADOPTION OF: BABY GIRL ROJASNotice to Aulio Miguel Berdugo or any Unknown or Undisclosed Parent of: Baby Girl Rojas You will take notice that a petition for the adoption of Baby Girl Rojas, a minor (born to Karen Rojas on November 4, 2017 in Hamil-ton County, Tennessee) was filed on or about November 14, 2017 in the Probate Court of Tuscaloosa, Alabama, alleging that the identity of the natural parent of said minor child may be Aulio Miguel Berdugo, or unknown or has not been correctly disclosed to the Court, and whose relationship of said possible Aulio Miguel Berdugo, or unknown or undisclosed natural parent to the aforesaid minor child is that of the Natural Father. Please be advised that should you intend to contest this adoption, you must file a written response within (30( days of the date of the last publication herein with Amy M. Osborne whose

for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless LISA ROWE answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by LISA ROWE and the case will be set for hearing ex parte or without LISA ROWE presence. This 23rd day of October 2017.






AURA ROSELIA BAMACA- PEREZVSESTANISLAO ALBERTO YOC-CINTO It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon ESTANISLAO YOC-CINTO. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless ESTANISLAO YOC-CINTO answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by ESTANISLAO YOC-CINTO and the case will be set for hearing ex parte or without ESTANISLAO YOC-CINTO presence. This 23rd day of October 2017.



Attorney for Plaintiff:Hector I OlivenciaNov. 10, 17, 24, Dec. 1, 2017 Cmr18577


Docket No. 17D1548DIVISION IV

LANISHA MICHELLE SIMMONSVSWILLIAM LAMAR SIMMONS It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon WILLIAM SIMMONS. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless WILLIAM SIMMONS answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by WILLIAM SIMMONS and the case will be set for hearing ex parte or without WILLIAM SIMMONS pres-ence. This 10th day of November 2017.



Attorney for Plaintiff:Pro Se

Nov. 17, 24, Dec. 1, 8, 2017 Cmr18595



TARA LAZETTE HEWLETT-BRYANTVSARNOLD JAYMES BRYANT It is appearing from allegations in Plaintiff’s Bill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon ARNOLD BRYANT. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless ARNOLD BRYANT answers and makes defense to said complaint in the offices of the Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the

Misc. Notices

Public NoticeThe following vehicles will be auctioned off on Dec. 1, 9am at 2924 Rossville Blvd., Chatt.,TN 37407: 2010 Honda, Vin# 5j6re3h59aL014029, 1996 Honda Vin# 2hgej6672th518767, 2001 Ford Vin# 1ftrw07L91ka54456, 2002 Saturn, Vin#1g8ju54f12y583844, 1999 Cadillac Vin# 1g6ky549xxu922241 and this vehicle a 2015 Honda, Vin# 3czrm3h32fg705764 will be auctioned the same day & time at 3400 Rossville Blvd., Chatt., TN 37404Nov. 17, 2017 Mmr18602

NOTICE OF PUBLIC HEARINGIn accordance with Tennessee Code AnnotatedSection 13-7-203 (A), notice is hereby given of a public hearing that will be held during the regular Board of Commissioners meeting on December 5, 2017, at 7:00 p.m. at Red Bank City Hall, 3117 Dayton Blvd., Red Bank, Ten-nessee. The purpose of the public hearing is to receive citizen input concerning ordinances to rezone the following properties:

1) 103 Woodrow Avenue from R-1 Residential to C-1 Commercial. This item rescheduled from November 7, 2017.

2) 217 W. Ridgewood Ave. from R-1 Residential to R T/Z Residential Townhomes Zero Lot Line. This item rescheduled from November 7, 2017.3) Closing to motorized vehicles a portion of Ashmore Avenue in approximately the 2400 Block. This item rescheduled from November 21, 2017

All interested persons are encouraged to be present for this meeting and to speak in favor or disfavor of the proposed ordinance.Randall G. SmithCity ManagerNov. 17, 2017 Mmr18583

Legal AdNotice 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, December 20, 2017, when consideration will be given to the following requests:2017-147: Ronald Lee requests rezoning from A-1 Agricultural District and C-2 Local Business Commercial District to C-2 Local Business Commercial District, properties located at 7912 & 7916 Bill Reed Road. Two unplatted tracts of land located at 7912 and 7916 Bill Reed Road being the properties described in Deed Book 6077, Page 385, ROHC and Deed Book 9594, Page 141, ROHC. Tax Map 150A-C-021 and 022.The request can be viewed at the Regional Planning Agency Office, Development Re-source 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 AgencyNov. 17, 2017 Mmr18601

PUBLIC NOTICEThe following vehicles will be up for auction in Chattanooga, TN on or after 12/02/2017 at 8:00am- Carter’s Towing 1619 Dodds Ave – 2007 Scion JTKDE177670158857 Tow

& Tires Cortes 5907 Lee Hwy- 2003 Interna-tional 1HTMMAAMX3H557245 A-Chattanooga Wrecker Service 2310 Dodds Ave- 1990 Chevy 2GCEK19K2L1113547 Nov. 17, 2017 Mmr18603

Public Notice of MeetingsCommittee Meetings and Regular MeetingsHamilton County Board of Commissioners

Hamilton County, Tennessee

Pursuant to TCA 8-44-103, public meetings of the Hamilton County Board of Commission-ers and Commission Committees will be held, and will transact such business as may lawfully come before them.Wednesday, November 29, 2017, 9:30 AM, Recessed Meeting. Wednesday, November 29, 2017, 9:30 AM, Agenda Preparation Session. Wednesday, December 6, 2017, 9:30 AM, Regular Meeting.Committee Meetings Board of Commissioners Committees may meet prior to said meetings at 8:30 AM and/or immediately following said meetings.Meeting Locations: Regular and Agenda meetings, Courthouse, Room 402, 625 Georgia Avenue, Chattanooga, Tennessee Committees, 8:30 AM meetings, County Commission Office, Room 401, County Court-house. Committees, after Regular meetings, Commission Conference room adjacent to Room 402, County Courthouse. To discuss auxiliary aids or services needed to facilitate participation, those with disabili-ties may contact the ADA Coordinator, Equal Employment Opportunity Officer Ken Jordan, 317 Oak Street, Suite 220, Chattanooga, Tennessee, 37403, (423) 209-6146. Hearing impaired callers may use the Tennessee Relay Service, (800) 848-0298 or (423) 209-6131. W.F. (Bill) Knowles County ClerkNov. 17, 2017 Mmr18606

name and address is shown below, and with the Clerk of the Probate Court of Tuscaloosa County Courthouse, Tuscaloosa, Alabama. Done this the 14th day of November, 2017.Amy M. OsborneLaw Office of Bryant A. Whitmire, Jr.215 Richard Arrington, Jr. Blvd. N.Suite 501Birmingham, Alabama 35203Nov. 17, 24, Dec. 1, 8, 2017 Cmr18600


Super CrosswordA DOSE OF REALITY by King Features

Super Crosswordpuzzle solution for this week:

make sense.Long stretches of the second half

of “Murder on the Orient Express” consist of Poirot going from person to person conducting interviews. At this point, the movie loses both its visual allure and its vitality. Worse, Branagh and Green cram these scenes with details, many of which are delivered in the most rote manner possible – through dialogue.

Also, I don’t know whether to blame Christie’s novel or Green’s screenplay, but more than a few things seem off . Without going into spoiler territory, the behavior of the characters often makes no sense, false clues are point-lessly planted and obvious solutions are

overlooked.“Murder on the Orient Express” also

lacks a sense of mounting tension and suspense. It merely plods along for a

while and then the ending arrives. Even the big reveal is more of a sputter than a thrill. One of the most crucial shots in the fi lm – the one in which the murder is shown – seems rushed. � e staging of the shot doesn’t add up, either.

� ough the destination disappoints, the journey there does have its pleasures. Perhaps, like me, you could enjoy the fi rst half of the fi lm and then catch a few winks. Just make sure to sit alone – or near someone who’s chewing Jujubes with their mouth open.

� at trumps even snoring on the list of capital off enses at the cinema.

CRITIC From page 15

Murder on the Orient ExpressRated PG-13 for violence and thematic elements

American Cryogenics Inc., an Atlan-ta-based fi rm, has announced plans of a branch opening here with a new building under construction at 1104 Riverfront Parkway, according to John R. Prove, vice president, and Seth Sizer, general chairman of the Industrial Development Committee of the Greater Chattanooga Chamber of Commerce.

Monday, Nov. 20Mayor Ralph Kelley submitted to the

City Commission a proposed ordinance creating a professional advisory staff of 14 to be composed of appointed offi -cials in city government and executives of agents which work closely with the city government. Chairman of the staff would be the city auditor.

Dr. H.D. Long, retired pediatrician and chairman of the board of trustees of Bryan College in Dayton, will be hon-ored � anksgiving Day when a plaque naming a men’s dormitory “� e H.D. Long Dormitory for Men” will be un-veiled. Dr. Long has been a trustee of the college since 1946 and chairman of the board since 1966.

Tuesday, Nov. 21William D. Pettway Jr., general chair-

man of the 1968 March of Dimes here, appointed Mrs. James B. Robinson as Mother’s March chairman. Mrs. Robin-son has been an active civic worker since moving to Chattanooga in 1965. She is a Sunday school teacher and worker in Women of the Church in Rivermont

Presbyterian Church and member of the Junior League.

Mrs. Mae O’Rear Dearing, widow of Fred M. Dearing Sr., who was founder of the Dearing Printing Company here, died in Los Angeles, where she had made her home with her daughter, Mrs. Lois Allord, the past several years. She is survived by her daughter, Mrs. Allord, and a son, Fred M. Dearing of Chatta-nooga.

Wednesday, Nov. 22� e Rev. Ben Haden, new pastor of

First Presbyterian Church, gave the � anksgiving message at the Rotary Club luncheon in Hotel Patten. Rev. Ha-den recently came to Chattanooga from Miami to succeed Dr. James L. Fowle, who resigned as pastor Oct. 15.

Thursday, Nov. 23Rock City Broadcasting, Inc., has pur-

chased radio station WLOM for $91,500, E. Y. Chapin III, president of Rock City and Rock City Broadcasting, announced Wednesday.

Several thousand Chattanooga area residents braved a cold rain to attend the annual Christmas tree lighting ceremony at Eastgate Shopping Center in the park-ing lot of Loveman’s. � e 70-foot tree is topped with a glittering six-foot Star of Bethlehem.

Friday, Nov. 24� e Salvation Army’s drive for Christ-

mas funds opened with Mayor Ralph Kelley and Mrs. Dorothy Brammer mak-ing the fi rst contributions in the kettle on Market Street near Ninth.

50 YEARS From page 1

www.hamiltoncountyherald.com Hamilton County Herald November 17 – 23, 2017 | x

basketball teams.“You can’t be scared of the

way you schedule and how many you have in a certain amount of days. We have to do what’s in front of us and that’s not going to change. We need to get smarter and tougher.”

But only two other letter winners return this season: Shelbie Davenport and Nakeia Burks. Davenport started in the opener but went scoreless. �e fifth starter in the opener was transfer Arianne Whitak-er, who started 19 games as a freshman for Winthrop.

Aside from valuable playing time against a championship caliber team, the only notable performance from a freshman came from Brooke Burns. �e 5-10 forward from Gadsden, Alabama, averaged nine points per game during UTC’s three-game summer jaunt to Canada. She scored four in only nine minutes against Green Bay.

“We did some good things (in Canada) that will help us down the road,” Foster said earlier. “We have a lot of moving parts. We’re bigger at the center position than we’ve been, more versatile. We’re also deeper in regard to the number of players who can play the point. Many of these girls can play multiple positions.

“�ey’ve learned quickly. �is team is a fast study,” he added. “�e hours we were able to spend with them in the off-season were useful. �ey appear to be coachable.”

But to appreciate where the UTC women are, attention must be given as to where they’ve been. Much of the pro-gram’s overwhelming success can be laid out as a series of very impressive records.

Such as:

Regular Season Titles1984 (first season of SoCon

women’s title), 1985 (shared with Marshall), 1986 (shared with Marshall), 1991, 1992 (shared with Furman), 2000, 2001 (shared with GSU), 2002 (shared with UNCG), 2003, 2004, 2006, 2007 (shared with WCU), 2008, 2009, 2010, 2013, 2014, 2015, 2016 (shared with Mercer), 2017 (shared with Mercer).

If you’re into keeping score,

that’s 13 solo regular season titles, eight co-titles. But there’s no sharing when it comes to the SoCon tournament.

SOCON Tournament Titles1984, 1985, 1986, 1989, 1992,

2001, 2002, 2003, 2004, 2006, 2007, 2008, 2010, 2013, 2014, 2015, 2016 and 2017.

�at totals 18 trophies, 18 trips to the NCAA. �ere were, surprisingly, only nine seasons of utter dominance, where the Mocs won the league outright and capped it with the tournament. But in 1988-89, the then-Lady Mocs won the tournament after finishing third and only going 5-5 in the league.

On the other hand, the 1991 team was upset by Appalachian State, which was only 5-5 in the regular season. In 2000, Fur-man pulled off the tournament upset, as did Western Carolina in 2005 and 2009.

SOCON Player Of The YearRegina Kirk (1988), Damita

Bullock (2000, 2001), Katasha Brown (2004, 2006), Alex An-

derson (2007, 2008), Shanara Hollinquest (2009, 2010), Tay-lor Hall (2014).

Six very special players with a total of 10 awards between them.

SOCON Tournament MvpsTina Chairs (1984), Chris

McClure (1985), Regina Kirk (1986), Nancy Smith (co-win-ner 1989), Kim Brown (1992), Miranda Warfield (2002, 2003), Katasha Brown (2004), Tiffani Roberson (2006), Alex Ander-son (2007, 2008), Shanara Hol-linquest (2010), Ashlen Dewart (2013), Taylor Hall (2014), Jasmine Joyner (2015, 2017), Alicia “Red” Payne (2016).

Talk about your “rising up.” �is exclusive club contains 14 members with a total of 17 plaques.

SOCON Coach Of The YearSharon Fanning (1984, 1985

shared), Craig Parrott (1988), Wes Moore (2000, 2004, 2005, 2008, 2013), Jim Foster (2015).

UTC ALL-TIME COACH-ING RECORDS: Grace Keith (1974-76) 21-23, Sharon

Fanning (76-87) 193-131, Craig Parrott (87-98) 164-146, Wes Moore (98-13) 358-113, Jim Foster (13-17) 103-27.

Moore, currently enjoying even more success at North Carolina State, ranks No. 1 all-time among SoCon coach-es, while Parrott ranks sixth. Not all of Fanning’s wins came within the Southern Conference. Foster is 14th and climbing. One other note: Karen Kemp, Parrott’s No.1 assistant for a decade, ranks 10th on the list with 135 wins. Foster’s conference record is 56-4 (.933), besting only that of Moore (241-43, .849).

Maybe one day Foster won’t be the only UTC coach honored by the Hall of Fame. Moore, still going strong at N.C. State, is a combined 644-212 from his stints at Maryville and Francis Marion as well as UTC and N.C. State.

Fanning, now Sharon Fanning-Otis, left UTC for Kentucky for eight seasons, then went on to have a 17-sea-son tenure at Mississippi State before retiring. Her combined record is 608-460.

Foster’s running total, FYI, is 886-335.

MOCS From page 12

Photographs courtesy of Dale Rutemeyer, Chattanooga Athletics

Senior Keiana Gilbert has already joined the Mocs’ 1,000-point club and is a preseason all-conference selection.

Lakelyn Bouldin was third-team All-SoCon selection last year, as well as a member of the conference’s all-freshman team.

Office Furniture Warehouse gets green|light certificationGreen|light works to

nurture a business culture of sustainability in Chattanooga. The green|spaces program supports both large and small businesses that are interested in reducing the environmental impact of their policies and practices. The program takes into account the type and size of an organization and works alongside it to create a step-by-

step sustainability plan.OFW has partnered with Re-

public Services, which delivers recycling and waste solutions to customers nationwide, to provide a scrap metal recycling program for businesses that are upgrading office furniture and need to dispose of old equip-ment.

“I want our sustainability commitment to reach beyond

used furniture and landfill re-duction. Our mission is to find solutions for businesses that consider the needs of our en-vironment,” says John Jerman, president and founder of OFW.

While many businesses may have several sustainable practices in place already, the green|light certification finds additional ways for saving en-ergy and money. It could be an

adjustment to toilets to reduce water waste or a change to the cleaning supplies used.

Once engaged with green|light, an eco-policy man-ual is created for each business, a green office checklist is avail-able as a guide, design services for custom signage are provid-ed and a network of preferred providers is made available so resources for a variety of sus-

tainable needs can be acquired.Chattanooga area green|light

certified businesses include the University of Tennessee at Chattanooga, The Flying Squirrel, The Crash Pad, The Chattanooga Zoo, Ruby Falls, The Strand Salon, River City Company, AEED, Kelly Subaru and the Sportsbarn.

Source: green|spaces


Newsmakers [email protected]

Green|light hires new director

Kelley Cureton is the new director of the green|light program at green|spaces. A native of St. Pe-tersburg, Florida, Cureton moved to Chattanooga two years ago, drawn by the city’s

outdoor lifestyle.Cureton holds a degree in tourism and

event management from the University of Florida and her master’s degree in global sustainability from the University of South Florida.

Her previous positions have taken her from the professional sports realm as the community relations manager for the Tampa Bay Lightning to the world of whiskey as the director of communica-tions for Chattanooga Whiskey.

An adventurous traveler, Cureton has spent time in Paris, lived on the island of Kauai and trekked to Machu Picchu on her quest to visit a new country every year. When in Chattanooga, she calls Signal Mountain home. There, she tends to her honey bees, draws and paints.

Green|light works to supports a business culture of sustainability in Chattanooga.

Wilson named top technical student

Sara Wilson, a recent Chat-tanooga State Tennessee College of Applied Tech-nology graduate, was named the American Tech-nical Education Association Na-tional Outstanding

Technical Student Award winner of 2017. ATEA is a premier association for the post-secondary technical educator with an emphasis on professional develop-ment.

Wilson graduated from Chattanooga State’s Industrial Electricity program in 2016 and the school’s Industrial Maintenance/Mechatronics program in 2017. She’s currently employed as an electrician at ATN Hoelzel, a German automation equipment company that manufactures glazing cells that help robots apply adhesive to windshields.

Javed joins CHI Lung Center

Asad Javed, M.D. has joined the Buz Standefer Lung Center at CHI Memorial. Dr. Javed received his medical degree from American University of Antigua College of Medicine. He com-

pleted his residency in internal medicine at the University of Pittsburgh Medical Center and a fellowship in pulmonary and critical care medicine at Loyola University Medical Center in Illinois. He’s board certified in pulmonary and critical care medicine by the American Board of Internal Medicine.

The practice has two offices: 725 Glenwood Drive, suite E-500, in Chatta-nooga and 2051 Hamill Road, suite 301, in Hixson. Appointments and information: 423 495-2635.

Pediatric Diagnostic adds physicians

CHI Memorial Medical Group recently welcomed Alicia Daniels, M.D. and Trey Dyer, III, M.D. to CHI Memorial Pediatric Diagnostic Associates.

Daniels is a graduate of the Medical College of Georgia – Augusta University. She completed her internship and residency in general pediatrics at Children’s Hospital of New

Orleans and is a member of American

Academy of Pediatrics and American Medical Association.

Dyer also is a graduate of the from the Medical College of Georgia – Augusta Univer-sity. He completed his internship and residency in general pediatrics at Tulane Lakeside Hospital for Wom-

en and Children in Metairie, Louisiana. He’s a member of American Academy of Pediatrics and American Medical Association.

The practice has two locations: 281 N. Lyerly Street, suite 100, in Chattanooga and 1949 Gunbarrel Road, suite 285, in Chattanooga. A new office will open in December at 4700 Battlefield Parkway in Ringgold.

Daniels and Dyer are accepting new patients up to age 21. Appointments/information: 423 698-224.

Rogers joins Parkridge Medical

Parkridge Medical Group has named Carole Rogers its market administrator for the Chattanooga area. As market administrator, Rogers will steer business and growth operations

for 48 medical providers in eight prac-tice locations throughout the region.

Rogers began working for Parkridge Medical Group in 2006 as the area practice manager for the system’s northwest Georgia market. In February 2016, Rogers was named manager of the Chattanooga market before accepting the role of administrator.

Rogers earned her degree in health-care management from Jones Interna-tional University. In her free time, she enjoys traveling with her husband and is a performance automotive enthusiast.

Javed

Rogers

Wilson

Daniels

DyerCureton

New watershed path open for exploration�e Tennessee River, like

other major waterways around the world, has long served as a cradle of civilization. For thousands of years, people have been drawn to the banks of the river because of the area’s natural beauty and abundant biological riches.

A new interpretive trail, the Watershed Path, was recently dedicated at the Tennessee Aquarium Conservation Insti-tute. �e short walking trail of-fers a chance to appreciate the region’s history while gaining a better understanding of its ecological and historic roots.

�e concept for the Water-shed Path emerged before con-struction began on the Aquari-um’s freshwater science center, which opened in October 2016.

“While a team of archaeol-ogists were conducting a com-prehensive cultural assessment of this location, we recognized the opportunity to tell others about the site’s historic signifi-cance,” says Dr. Anna George, the Aquarium’s vice president of conservation science and education. “Although there was no evidence of a permanent settlement at the site, the team did find pottery shards and ancient fire pits that indicate people camped at this spot more than 3,000 years ago.”

Humans may have visited the riverside site as early as 8,000 years ago during the Middle Archaic period. Howev-er, the archaeological evidence suggests this spot was only used as a short-term campsite.

Long periods of time – some as short as a few months, others stretching for centuries – might have passed before the next campers happened upon this location.

Archaeology is just one aspect highlighted on the Wa-tershed Path. Five interpretive panels trace the early history of “first terrace” communi-ties. �e placards reveal how waterways shape our world and demonstrate how today’s communities thrive along, and are dependent upon, healthy river systems.

�e Aquarium received a $10,000 grant from the Chickamauga Chapter of the Daughters of the American Revolution to research and produce the Watershed Path. �e organization’s involvement stems from a desire to educate future generations about the area’s historic and ecological significance.

“Our members were happy to participate in the develop-ment of permanent educational materials relating to our local history,” says Barbie Standefer, special project grants chairman for the Chickamauga DAR.

�anks to the grant, the conservation institute now serves not only as a hub of aquatic conservation efforts in the Southeast but a place where visitors can better understand the area’s history and the millennia-long relationship humans have had with the Tennessee River.

“We’re grateful for the

generous donation from the Chickamauga DAR,” George says. “Healthy rivers have always been essential – here in the Moccasin Bend and Wil-liams Island area of the Ten-nessee River Gorge and around the world.

“Reflecting on our history helps us be mindful of our role as stewards of the natural resources that surround us and how we all need to work to-gether to ensure these treasures are protected for the future.”

�e Watershed Path is free and open to the public Monday through Friday from 9 a.m. to 5 p.m. It’s closed on major holidays. Due to limited park-ing, please contact [email protected] to schedule group visits to the Watershed Path.

Source: Tennessee Aquarium Conservation Institute

Photograph provided

Dr. Anna George, left, Tennessee Aquarium vice president of conservation sci-ence and education; Carol Rogers, former regent of the Chickamauga Chapter of the Daughters of the American Revolution; Joye Duke, regent; Barbie Stan-defer, special project grants chair; and Aggie Stephenson, Tennessee Aquarium grants officer.

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