ELECTION 2018 REAL ESTATE CRITIC’S CORNER Building a Sipping, strolling Ideas as old as better state for good cause the dinosaurs Candidates for statewide Pratt Builders hosts event  e latest ‘Jurassic’ is a offi ce give insights into to benefi t Women’s visual winner. But the infrastructure plans. Council of Realtors. franchise is showing age. P5 P15, 16 P17

Volume 105 | No. 26 Single Copy 50¢ CHATTANOOGA, HAMILTON COUNTY, TENNESSEE

June 29 – July 5, 2018 Small businesses

What was going on in get a helping hand for Chattanooga in 1968? Friday, June 28 Acting Mayor A.L. Bender reported the $24 their uphill climb million Central Avenue freeway project hinges on a bill now in Congress to add 3,000 miles to the interstate Program gives legal highway system. If the bill passes, the State of Tennes- help to startups on see will request the freeway project be approved by the shoestring budget By David Laprad Federal Bureau of Public Roads. A new bridge across ock climber Savannah the Tennessee River will Manning has tamed cliff s connect the north section that towered above her of the county with the like giant beasts daring freeway and complete the her to scale their heights. city’s inner loop, tying I-24  e 24-year-old Chatta- to the Central Avenue nooga resident not only interchange to be con- Rlives and breathes her passion locally structed at Riverside Drive but has humbled some of the most and Highway 153, which challenging rock faces in the U.S., already connects with I-75. including those that hem the rugged Ben S. Landress, manag- mountains of Tuolumne Meadows er of Memorial Auditorium near Yosemite National Park. and the Tivoli  eatre since But when Manning tried to start 1963, resigned to accept a rock climbing business, she could another position, Commis- barely get it off the ground. sioner Conrad announced. Her idea was not the problem. Af- His resignation becomes ter seeing teams of females climbing eff ective Aug. 1. together at Tuolumne last August, Summer school reg- Manning realized there’s a lack of istration at Chattanooga women in Chattanooga partnering Technical Institute is up on trips that require a high already 100 percent above degree of skill. the 1967 level – 460 signed She returned home want- up through June 26. Of this ing to help women climbers number, more than 200 are tackle tougher objectives. new and will be back for With thousands of verti- See 50 YEARS, page 19 See BUSINESS, page 13

INSIDE Photograph by David Laprad Photograph provided ■ FINANCIAL FOCUS P13 Attorney Whitney Standifer, inset, who runs the We Mean Business pro- Unable to afford the legal help required to open her rock climb- ■ REAL ESTATE P15 gram for Legal Aid. ing business, Savannah Manning turned to We Mean Business.

Find Public Notices inside & online: www.HamiltonCountyHerald.com 2 | Lynda Minks Hood Lynda Minks June 29–July5,2018

EXECUTIVEDIRECTOR CHATTANOOGA BAR ASSOCIATION Workers’celebrateto anniversarycourt compensation in a case in Kingsport and a case in in acaseKingsportand state. “esamefactscouldbeheard in theoutcomeofclaimsacross the courttoensuremoreconsistency things weredone,”Wyattsays. ical andfundamentalchangetohow way since1919,sothiswasahistor and circuitcourts.“Ithadbeenthat claims werehandledinthechancery Division ofWorkers’Compensation). Compensation (nowtheTennessee court withintheBureauofWorkers’ that createdanew,administrative Legislature passedlegislationin2013 July 1,2014aftertheTennesseeState sation Claimscameintoexistenceon and remarks. Parkway locationforrefreshments 2, 9-10a.m.,attheir1301Riverfront sionals tojointhemonMonday,July yers, judgesandotherlegalprofes- gal JodiDowns,areinvitinglocallaw- Audrey Headrick,alongwithparale- four-year anniversary. nity areatohelpthemcelebratetheir Greater Chattanoogalegalcommu they’re invitingtheircolleaguesinthe commemorate amilestone.Rather, the courtwillbefiveyearsold,to aren’t waitinguntil2019,when Workers’ CompensationClaims Laprad David By Summers elected toAcademy ofAppellate Lawyers elected Summers membership islimitedto500mem- at leastthelast15years.Academy cused substantiallyonappealsduring a nominee’spracticemusthavefo- lawyer. utation ofdistinctionasanappellate only toapersonwhopossessesrep- istration oftheappellatecourts. of appellateadvocacyandtheadmin- yers andpromotetheimprovement recognize outstandingappellatelaw- late Lawyerswasfoundedin1990to academy’s recentmeeting. Academy ofAppellateLawyersatthe to beamemberoftheAmerican Wyatt adds the legislature created Wyatt addsthelegislaturecreated Previously, workers’compensation e CourtofWorkers’Compen- Judge omasWyattand e judgesofthelocalCourt To be eligible for membership, To beeligibleformembership, Academy membershipisopen e AmericanAcademyofAppel- Jerry H.Summerswaselected Chattanooga Bar Association | The Pioneer Building | Suite 420 | 801 Broad Street | Chattanooga, TN 37402TN Chattanooga,StreetBroad | 801 423-756-3222 | 420| Suite | Building Pioneer The Fax:| Association BarChattanooga | 423-265-6602 | Bar Association Bar notes from the the notesfrom Chattanooga

News and Newsand

Steven M.Jacoway Steven John C. Harrison John C. Bar Association PRESIDENT-ELECT Marc Harwell Marc SECRETARY PRESIDENT Executive Committee - - hearing claims, a case could take two hearing claims,acasecouldtaketwo chancery andcircuitcourtswere efficient manner.Whenthestate’s state.” are morepredictableacrossthe different,” hesays.“Today,theresults Memphis andtheawardswouldbe Headrick Workers’ Compensation ClaimsCourt JudgeThomas Wyatt, court paralegal JodiDowns andWorkers’ Compensation ClaimsCourt JudgeAudrey pealed over 200 cases during his pealed over200casesduringhis honor.” be includedintheircompanyisan ity lawyers,”Summerssays.“To this mannerandthey’reallhigh-qual Tennessee havebeenrecognizedin me becauseonlythreeattorneysin a regularmeeting. evaluation committeeandelectedat and approvedbyamembership present academymember,reviewed membership mustbenominatedbya by invitationonly.Candidatesfor bers intheU.S. Cases are also handled in a more Cases arealsohandledinamore Summers estimateshehasap- “is achievementisimportantto Membership intheacademyis William Colvin G. Robin L. Miller L. Robin PASTPRESIDENT TREASURER See Hamilton CountyHerald page 3 page SUMMERS, - Board of Governors Drew H.Reynolds, Drew Jeffrey W.Jeffrey Maddux Thomas M.Horne Thomas George G. Hixson G. George YLD REPRESENTATIVEYLD Lee AnnAdams Lee Jimmy Rodgers Compensation Claims was launched Compensation Claimswaslaunched Wyatt says. ner inwhichwe’rehandlingcases,” resolved withinsixmonthstoayear. Now, Wyattsaysclaimsaretypically to threeyearsreacharesolution. Sheri FoxSheri When the Court of Workers’ When theCourtofWorkers’ “I’m proudoftheexpeditiousman

JUDICIAL REPRESENTATIVEJUDICIAL Ex-Officio Member The Honorable J. B. The J.B. Honorable Bennett - north as Monroe County and as far north asMonroeCountyandfar court, whichhearsclaimsfromasfar Wyatt totheChattanooga-based the state.HudgensappointedJudge Hudgens assignedeightjudgesacross in 2014,BureauAdministratorAbbie www.chattanoogabar.org www.hamiltoncountyherald.com File photograph by David Laprad See Photograph by David Laprad ANNIVERSARY,3 page - 3 - |

- CHATTANOOGA BAR ASSOCIATION page MCCORMICK, 4

June 29 – July 5, 2018 – July 5, 2018 June 29 See From page 2 From “We were moving real fast to “We were moving real McCormick adds nobody “at doesn’t mean there’s working part time already forworking part time andAsa’s office in Chattanooga a job whenwas still negotiating interviewed June 15. but I didn’tward it at that point, it didn’twant to let on in case It all camework out. But it did. require mytogether, and it will OK,” herelocation, which is explains. e money was too significant to turn down. had any evidence of wrongdo ing on him. not any dirt on me, it’s just that nobody had any on me, although I’d say the dirt goes back to the ’80s, if anything. I’m just glad they didn’t have cell phones then, taking pic - Source: Summers, Rufolo & Rodgers

- Wednesday, June 20, 2018 His first visit, which took place in Summers lost the case before the “at was a big honor for a kid SUMMERS 52-year career as an attorney. is includes three cases before the U.S. Supreme Court. 1973, resulted in the Supreme Court overturning a Tennessee law requir- ing a defendant to be the first witness if he intends to testify in his own defense. trial judge, before the Court of Ap- peals (3-0) and before the Tennessee Supreme Court (5-0) but won it in the U.S. Supreme Court (9-0). who made a D in constitutional law,” Summers says. “I’m proud of the fact that I changed the law.” assume custody of and financial responsibility for the Child. The court also found clear and convincing evidence that termination of Fa- ther’s parental rights was in the best interest of the Child. Father has appealed. Discerning no reversible error, we affirm. Angela Michelle Newberry v. Jeremy Mack Newberry Case number: E2017-00340-COA-R3-CV Authoring judge: Judge Charles D. Susano, Jr. Originating judge: Judge W. Neil Thomas, III Date filed: In this post-divorce case, Angela Michelle New- berry appeals the trial court’s modification of the permanent parenting plan. She challenges the trial court’s decision to change the desig- nation of primary residential parent from her to her former spouse, Jeremy Mack Newberry. She also attacks the court’s decree reducing her co-parenting time. We hold that father failed to meet his burden of establishing a material change in circumstances affecting the children’s well-being, as required by Tenn. Code Ann. § 36- 6-101(a)(2)(B) (2017). Conse- quently, we reverse the trial court’s judgment and reinstate the parenting plan as originally agreed to by the parties and ordered by the court in the final divorce judgment. - - - By the time she runs, Mc By the time she runs, McCormick, a commercial He took a job with Asa Engi neering, which recently opened a Nashville office and needed someone with strong Middle Tennessee contacts to generate business. McCormick had been appears to be the candidate, reports. according to various Cormick will be ensconced livingin domestic tranquility, with his wife in Nashville and downinstead of racing up grandfa- I-24, and enjoying childrentherhood, since his He wasalso live in Nashville. expecting a grandchild to arrive a week ago. real estate broker, was either worn out with the Legislature or Democrats called his hand. Or, as he says, someone made him an offer he couldn’t refuse.

- “Being part of a judicial start-up “My most memorable moment Wyatt and Headrick are eager to “We’re looking forward to seeing Department of Labor & Workforce Development Sources: Some information from the Tennessee Rather, each one considers their cur rent appointment to be the highlight of their career. and seeing that system evolve from nothing into something has been the most enjoyable thing I’ve done,” Wyatt says. was simply being appointed,” Head rick says. “It was a career goal I was pleased to accomplish.” celebrate the court’s success with their colleagues and have reserved a large room on the second floor for the occasion. everyone in the community,” Head rick says. Originating judge: Judge Robert D. Philyaw Date filed: Wednesday, June 20, 2018 This is a termination of parental rights case involving the parental rights of the father, William K. (Father), to his minor child, Amynn K. (the Child), who was four years of age at the time of trial. The Child was born in 2013 to Fa- ther and Amanda S. (Mother). In April 2013, the Hamilton County Juvenile Court (trial court) granted temporary legal custody of the Child to the Tennessee Department of Children’s Services (DCS). The Child was immediately placed in foster care, where he has remained since that date. Following a hearing, the trial court entered an order on June 24, 2013, ad- judicating the Child dependent and neglected due to Mother’s abandonment of the Child at the hospital following his birth. On Aug. 23, 2016, DCS filed a petition to terminate the pa- rental rights of Mother and Father. Following a bench trial, the trial court terminated Father’s parental rights to the Child upon determining by clear and convincing evidence that Father had abandoned the Child through conduct exhibiting wanton disregard for the welfare of the Child prior to Father’s incarceration, failed to substantially comply with the requirements of the permanency plans and failed to man- ifest an ability and willingness to personally - A potential candidate forA potential candidate “It’s a silly political attack, It’ll be up to someone else, Hamilton County Herald County Hamilton ing in Nashville for 13 yearsing in Nashville for abut continued to maintain home in3,500-square-foot District 26. post beingthe House speaker’s Mc- vacated by Beth Harwell, been exon- Cormick said he’d Countyerated by the Hamilton after aElection Commission complaint was filed about his residency. He said he was still considering a leadership run as late as June 15. and it’s not gonna work, and this guy’s gonna get beat this November,” McCormick insisted. though, to do the butt-kick ing in Chattanooga this fall. Former Tennessee Republican Party Chairman Robin Smith - - Headrick is a graduate of the Headrick remained in that position e local court actually lacks a But neither judge is complaining Appellant sought disqualification of the trial court judge pursuant to Tennessee Supreme Court Rule 10B. Finding no error, we affirm. Desiree Daniels Disterdick v. John Dister- dick Case number: E2017-00743-COA-R3-CV Authoring judge: Judge Thomas R. Frierson, II Originating judge: Judge L. Marie Williams Date filed: Monday, June 18, 2018 In this divorce action presenting issues con- cerning the classification and distribution of the parties’ assets, the trial court determined that an oil and gas investment purchased during the marriage was the wife’s separate property, as was her engagement ring. The trial court fashioned an equitable distribution of the parties’ marital property and debts and denied the wife’s claim for alimony. In doing so, the trial court excluded any consideration of assets formerly owned by the parties that were held by a trust at the time of trial. The husband has appealed. Discerning no error, we affirm. In Re: Amynn K. Case number: E2017-01866-COA-R3-PT Authoring judge: Judge Thomas R. Frierson, II at the University of Tennessee at Knoxville. University of Memphis College of Law, now the Cecil C. Humphreys School of Law. After earning her Juris Doctor, Headrick worked as a defense attorney for two years before becom ing a staff attorney with the Bureau of Workers’ Compensation. until 2015, when Hudgens appointed her to the bench. physical bench, although that will soon change. e small conference room in which Wyatt and Headrick have been hearing claims will soon be converted into an actual court room, complete with a bench that’s already been built. about the lack of judicial furnishings. [email protected] Tennessee Appellate Court Opinions Court Appellate Tennessee Sam Stockard McCormick fairly scoffed made the statement after Jones said he would raise McCor mick’s purchase of a Nashville home and question whether he was staying in touch with Chattanooga residents. at the notion of wrongdoing while acknowledging he bought a house in Nashville almost a year ago because his wife, Kim, works for the Tennessee Board of Regents. He had been rent - From page 2 From

Monday, June 4, 2018

VIEW VIEW FROM HILL CAPITOL State of Tennessee v. Quintis McCaleb Case number: E2017-01381-CCA-R9-CD Authoring judge: Judge Timothy L. Easter Originating judge: Judge Barry A. Steelman Date filed: Friday, June 1, 2018 The State, pursuant to Rule 9 of the Tennessee Rules of Appellate Procedure, appeals the trial court’s grant of Defendant’s motion to suppress inculpatory statements made during his post-polygraph interview. The trial court found that the statements were voluntary but determined that they were inadmissible under Tennessee Rule of Evidence 403 because Defendant would be required to reference the polygraph examination to provide context for Defendant’s statements made during the post-polygraph interview. Concluding that the trial court abused its discretion by excluding the statements, we reverse the judgment of the trial court and remand this case for fur- ther proceedings consistent with this opinion. Lorna Gibson v. Charles Bikas Case number: E2018-00911-COA-T10B-CV Authoring judge: Judge Brandon O. Gibson Originating judge: Judge Pamela A. Fleenor Date filed: Mercurial Republican Rep.Mercurial Republican sayingOnly three days after “We started with an office and One year later, Hudgens assigned Hudgens tapped Wyatt to be a He earned his undergraduate No more having to listen e former three-term

ANNIVERSARY Gerald McCormick went fromGerald McCormick back. kicking ass to kicking his now-former Democratic wouldopponent, David Jones, has inrealize how little he 26 incommon with District he gets hisChattanooga “when McCor ass beat in November,”

west as Van Buren County. a computer and went from there,” Wyatt says. four more judges across the state, in- cluding Headrick in Chattanooga. In 2016, Wyatt and Headrick were per- mitted to hire paralegal Jodi Downs to serve as their legal assistant. workers’ compensation judge based on his 32 years as an attorney repre- senting clients in workers’ compensa- tion and personal injury cases. Wyatt spent the bulk of that time with Summers & Wyatt (now Summers, Rufolo & Rodgers). degree at the University of Tennessee at Chattanooga and his Juris Doctor McCormick: scandal, No least at evidence no any of n www.hamiltoncountyherald.com mick abruptly announced he would not seek re-election this year and would be leaving the House effective Oct. 1. to whining Democrats and Republican Caucus members. No more nearly shattering the gavel to deal with unruly Republicans as chairman of the Finance, Ways and Means Subcommittee. House Majority Caucus leader 4 | Hamilton County Herald www.hamiltoncountyherald.com

MCCORMICK From page 3 confi rmed he owns homes tion from Republicans, and it cemetery is full of indispens- in Davidson and Hamilton popped up quickly, with several able men, and I suspect they’ll tures of everything,” he adds. counties and provided records Chattanoogans considering a survive just fi ne without me.” HCH “ ere’s no scandal brewing. showing his residency for run but only Robin Smith pick- McCormick’s exit leaves an Hamilton County Herald  ere’s nothing embarrassing voting and candidacy purposes ing up papers. Qualifying was opening for House Majority 103 years of service or anything like that.  is is all was in Hamilton, including his to end June 28. Leader Glen Casada to vault positive.” Telephone 423-602-9270 driver’s license, receipts, utility  e initial qualifying dead- into the House speaker’s slot, Fax 423-602-9269 Filling the vacancy and bank statements and IRS line was April 4 for the August making him one of the most 735 Broad Street Suite 406 Hamilton County Admin- tax fi lings with an address on primary, but state law reopens powerful politicians in Ten- Chattanooga, TN 37402 istrator of Elections Kerry Fairview Road in Hixson. the process with a 10-day nessee. Other candidates are – CHATTANOOGA – Steelman says he was contacted Goins’ offi ce also verifi ed window from the date of the likely to be Rep. David Hawk, David Laprad by Tennessee Coordinator of McCormick remained licensed former candidate’s announce- a Greeneville Republican, and Editor at a real estate agency using ment if the candidate in a Rep. Curtis Johnson, speaker [email protected] Elections Mark Goins early the week of June 9-15 notifying him a Chattanooga address, and primary election or nonpar- pro tem from Clarksville. Dianna Chambers the commission received a call that he and his wife still own tisan general election dies, Casada, who is pouring Display Advertising and pay property taxes on the withdraws because of military $200,000 into House Republi- [email protected] the previous week questioning 615-254-5522 McCormick’s residency.  e Fairview Road home. call-up, leaves because of a can races, says is he saddened person remained anonymous “A person may have multiple physical or mental disability, is by McCormick’s departure. Meagan Robinson homes, but only one residence declared ineligible or disqual- And, in typical Casada fashion, Foreclosures, Public Notices other than reports it was a [email protected] UT-Chattanooga student. for voting and candidate qual- ifi ed by a court or the political he will speak no ill of a fellow 901-521-1196 “Based on the evidence ifying purposes,” Goins’ letter party executive committee or Republican. Donna Gosnell provided and information in- states.  ose include posses- withdraws because he/she is By all defi nitions, McCor- Circulation, Online Subscriptions sion of property, job location, forced to change residence by mick owned a home and lived customerservice@ dependently gathered by his of- hamiltoncountyherald.com fi ce, Goins concluded in a June licensing or registration of the candidate’s employer for in Chattanooga, he adds of the 615-254-5522 12 letter to Steelman, “Rep. personal property, payment of job-related reasons. now-moot situation. McCormick has evidence that taxes and location of driver’s We might as well add some “So, no, that was just typical – CORPORATE OFFICES– he meets a suffi cient number license registration. others such as: busted for living fake news right there,” says 193 Jefferson Ave. of factors under the Tennessee McCormick was offi cially outside the district or no longer Casada, who also contends he Memphis, TN 38103 law to support the determina- a Hixson resident for ballot able to fi nd an apartment with is more concerned with elect- Eric Barnes purposes – except when he was handicap access. It only seems ing “pro-business” Republicans Publisher, CEO tion that he meets the residen- [email protected] cy requirements to appear on staying with his wife in Nash- fair. than positioning for a House ville. And, seriously, in summer speaker run later this fall. Lyle Graves the ballot as a candidate for Setting the stage when most legislators are at With 16 open seats and 23 Associate Publisher, state representative.” Nobody in the General Executive Editor In fact, Goins’ letter says the home, who’s checking? And Republican primaries, he off ers [email protected] even when they’re in session, Assembly accuses McCor- he’s got plenty of work ahead complaint about McCormick’s mick of bending the truth or Pam Mallett for that matter? to maintain the GOP’s hold on residency, made three months holding back. He was more Chief Financial Officer Competition remains the House. [email protected] after he fi led his petition to likely to wear his emotions on seek re-election, “was not time- The analysis Member of: Democratic candidate Jones his sleeve, including the time ly since the election commis- lost his primary competition he called out the Chattanoo- Granted, Tennessee legisla- Tennessee Press Association sion has approved the candi- National Newspaper Association when Jean-Marie Lawrence ga Chamber of Commerce tors spend a lot of time running American Court & Commercial dates and military ballots must dropped out of the race. Law- for writing a letter about the between their home districts Newspapers be sent out by June 18.” rence says she had to move out so-called bathroom bill deal- and Nashville. For about fi ve But since only qualifi ed can- of the 26th District when the ing with transgender use of months, they stay in Nashville didates are to be placed on the building where she lived was restrooms. four to fi ve days a week. Some ballot, Goins adds, he checked sold. She says she was unable McCormick didn’t shy away come to town more often so anyway to see if McCormick to fi nd another place in the from carrying Insure Tennes- they can grab a little per diem met residency requirements. district that met her disability see for Gov. Bill Haslam, part cash. As part of the investigation, needs. of his task as House Majority McCormick isn’t the fi rst he called McCormick, who Jones expected competi- leader, even if he didn’t exactly one, either, whose residency bend Republican arms to bring was questioned. Others in pow- Subscription $15 per year it to a vote. erful positions have kept dual By mail Single copy • 50 cents Of course, he never volun- residences. teered information during the But when your wife and kids Postmaster send changes of address to: recent session about buying a live in Nashville and you’ve got Hamilton County Herald Nashville home, either. And a grandchild on the way, along P.O. Box 3008 not until someone complained with 14 years in the House be- Memphis, TN 38173 about the Nashville residency hind you, clearly the handwrit- Hamilton County Herald question did he up and leave ing is on the wall. It’s time to let USPS #120710 the race. it go, which McCormick did. published weekly by Some would say this is typi- Now that he’s gone, though, Hamilton County Herald, LLC., Periodicals Postage cal McCormick, hard to predict one wonders whether Dem- paid at and quicker to act. ocrats would be happier with Chattanooga, Tennessee In saying farewell, McCor- McCormick or Casada – the Material published in the Hamilton County mick does something rather two favorites – as House Herald is compiled at considerable expense and is unusual, admitting to gerry- speaker. If the minority caucus for the sole and exclusive use of our subscribers. The contents of the Hamilton County Herald may mandering District 26 while in thought Harwell gave them not be republished, resold or reproduced in any the Legislature. Because of the the cold shoulder – refusing to manner, in whole or in part without the consent of the publisher. Any infringement may be subject way it’s shaped – and voting 68 recognize them for debate on to legal redress. percent for President Donald the House fl oor – they’re likely The records contained in the Hamilton County Trump in 2016 – he doesn’t to be begging for a kinder and Herald are taken from those fi led in the public record and do not necessarily refl ect the fi nancial think Jones has a chance re- gentler speaker. standing of the parties involved. Care is taken to gardless of who fi lls the Repub- Heck, they might wind up publish suits, judgements, other documents lican slot on the ballot. wishing nobody had challenged exactly as they appear in the public record. However, the Hamilton County Herald assumes “No, I drew this seat in McCormick’s residency, in- no liability for errors or omissions. Persons who redistricting.  e Republican stead letting him keep kicking rely solely on these contents do so at their own risk. nominee will win the election ass and taking names. Any explanation of these items, as well as and win it big,” he points out. correction of any erroneous information, will be “If you’ve got Robin in there, Sam Stockard is a Nash- published upon timely notifi cation by proper too, she’s so experienced and ville-based reporter covering correspondence. The editors are responsible for the writing and knows everyone already. I think the Legislature for the Nashville display of the news, data and features in this she would be very eff ective Ledger, Memphis Daily News, newspaper. If you have a question or suggestion, right out of the gate. Knoxville Ledger and Hamil- you may call during normal business hours. – David Laprad, Editor “We’ll lose 14 years of se- ton County Herald. He can be 423-602-9270 niority and a chairmanship of reached at sstockard44@gmail. [email protected] the budget committee, but the com. www.hamiltoncountyherald.com Hamilton County Herald June 29 – July 5, 2018 | 5

Compiled by the LECTIO E N 20 Tennessee Press 18: Issues & Answers Association

In the months leading up to the primary elections in August, the Herald is running an “Election 2018: Issues and Answers” feature, produced by the Tennessee Press Association, as part of an effort to GUBERNATORIAL educate readers and voters about key issues facing Tennessee and what candidates for governor and CANDIDATES U.S. Senate have to say about them. This installment focuses on infrastructure.

During his Republicans What do statewide candidates say about infrastructure investment? time as mayor DIANE BLACK Is investment in public infrastructure important? And should Tennessee have more of Nashville, dedicated revenue sources to pay for construction and maintenance of infrastructure Dean made President improving Trump’s across the state, or is the existing tax structure – primarily the state tax on fuel, and the city’s Rebuilding wheel taxes – sufficient to pay for what Tennessee needs infrastructure Infrastructure to sustain and grow its economy? a priority, in Ameri- Each of the major candidates for governor and U.S. Senate were asked to tell our working with can Plan is Karl Dean the Metro tremendous readers about their views on infrastructure investment. Council to invest $2.3 billion news for Ten- in capital projects in all parts nessee. bigger for our rural communi- the quality item and weigh the merits. You of Davidson County. He also Diane Black e prin- ties, and the President’s plan is of life of all have to make hard decisions worked with the Metro Council ciples of this a huge step in the right direc- Tennesseans. and differentiate from “needs” to create a funding stream for plan are examples of what all tion. Infrastruc- and “wants.” new water, sewer and storm policy should strive to do: use RANDY BOYD ture must be Investing in infrastructure is water infrastructure projects. funds as a hand up instead of a Great roads a priority, clearly a need, and it needs to When Dean first took office, hand out, give more flexibility and strong because jobs be addressed more quickly. I the city’s water department had to state and local governments infrastructure and economic run a company with hundreds essentially no bonding capacity. and focus on the benefits of are essential prosperity of vehicles, and our company is Now, Nashville has the water investments in private industry. Beth Harwell to economic depend on it. in the business of maintaining infrastructure it needs to sup- e plan would allocate $200 development A solid infrastructure is a the infrastructure of buildings. port years of economic growth. billion to states to stimulate and thankfully critical part of recruiting busi- Deferring maintenance is a As governor, Dean will $1.5 trillion in infrastructure Tennessee has nesses to relocate to Tennessee costly, critical mistake. e bring the same commitment investments nationwide. e some of the and creating an environment same obviously applies to gov- to finding pragmatic solutions funds will promote state, local Randy Boyd best assets in where Tennessee businesses ernment. Neglecting infrastruc- to our communities’ problems. and private investments in in- the country. can expand and thrive. While ture ensures more expensive He will work with the Tennes- frastructure and maximize the One of our greatest assets is we every citizen can feel the and more painful solutions see General Assembly and our value of every taxpayer dollar. are one of the few states with impact of poor infrastructure when we finally do get around state’s leaders in Washington e funds will be divided no road debt and as governor I in the form of traffic, subpar to addressing them. D.C. to ensure all available state into multiple programs: $100 will continue that pay-as-you- utilities and unsafe bridges, In Tennessee, we find our- and federal resources are put billion to create an Incen- go conservative practice. As businesses rely on these things selves with a growing infra- toward our state’s most press- tives Program, $20 billion for Commissioner of Economic to deliver goods and services to structure problem, not only ing infrastructure needs. the Transformative Projects and Community Development, all Tennesseans. because of deferred mainte- CRAIG FITZHUGH Program, $20 billion to ex- A few years ago, I convened nance, but because of factors I frequently promoted Tennes- Infra- pand infrastructure financing a Rural Task Force that trav- like TennCare, where we grew see’s outstanding infrastructure structure programs, $10 billion for a new eled the state to discuss what that program to unsustainable to new business prospects and is – and has Federal Capital Revolving Fund was needed to boost prosperity levels. As a result, fixed over- it is a critical recruitment tool. been – the and, most importantly for Ten- in our rural areas. Time and head became an anchor on the Quality roads and safe infra- backbone of nessee, $50 billion for a new time again, infrastructure came budget which meant the state structure are about more than Tennessee’s Rural Infrastructure Program. up as a number one concern – highway fund was raided to pay just transportation – they are progress in e bulk of the funding roads, utilities, and broadband. our bills. about better jobs and properly the economic from the Rural Infrastructure We have taken action to We can’t do that again. growing our state. We must and social Program will be allocated to address our state’s infrastruc- Infrastructure needs to be commit to a safe and reliable Craig Fitzhugh arenas. As state governors, giving us the ture over the last few years, but part of a bigger conversation transportation system and no Gov. Ned flexibility to prioritize the com- there is more that can be done, around our entire state budget. matter what new technology Ray McWherter used to say, munity’s needs. especially in the rural parts of In the last eight years, infla or changes come, I am focused - “Education plus roads equals For the 78 rural coun- our state. We are fortunate on ensuring that Tennessee tion has risen 8 percent, and jobs.” From the first rivers and ties of Tennessee, this is a not to have any road debt in continues that tradition of safe our population has grown by the movement of goods and game-changer. the state of Tennessee, and we roadways. 5 percent. However, our state people, to the days of our roads As governor, I will work need to ensure we have enough Furthermore, another criti- budget appropriations alone being the class of the nation, hard to put these funds to good dedicated sources of funding to cal part of our infrastructure is have risen by an astounding 32 Tennessee has lead the way use in our communities. No support these needs across the percent. broadband access. Just as with when it comes to our infra- one knows what Tennessee state. As governor, I will make If we don’t do something roads, if there is no broadband, structure. Unfortunately, we needs like Tennesseans. As I’ve that a priority. to slow the growth of govern it will be hard for businesses, - began to lose that mantle in the traveled the state, two things I schools and communities to BILL LEE ment spending today – while have heard from East to West past few years. I do believe that thrive and grow. As commis- In my com- revenues are currently strong – the IMPROVE Act that was Tennessee is the need for good sioner, I was happy to lead the pany, I have we’re destined to find ourselves roads and broadband. passed in the legislature last effort to bring broadband to always told in a hard situation when rev- year will begin to remedy some From the top to the bot- more rural areas, but there is our managers, enues drop. at will not only tom, greater access to good of the backlog of projects, and still work to be done. As gover- be careful harm infrastructure, it’ll hurt our state has made a real effort roads and broadband gives nor, I will continue working to about what education, law enforcement, communities the necessities to improve our crumbling make sure all communities are you add in the and many of the services the bridges. e unique makeup of to recruit businesses, support state currently provides. connected and have the tools good times, our state in the urban-subur- local education and grow their to thrive. because you Democrats economies. ban-rural mix requires different BETH HARWELL Bill Lee might have KARL DEAN e President’s plan will solutions in each type of lo- My philosophy is that for to take it make it all the more possible Dean knows that the right cale. Local governments must those things government is away in the lean times, and for our state to improve our investments in infrastructure maintain their ability to make charged with doing, it should that philosophy has kept us infrastructure, attract more are key to economic growth. decisions in concert with their do efficiently and effectively. from having to make some very businesses and spread the Access to roads, water lines, citizens for the best interests of Infrastructure is the responsi- difficult decisions when times prosperity of Tennessee’s cities broadband service and other their communities. bility of government – and the do inevitably get tough. to even our most rural commu- infrastructure are essential for While infrastructure is state plays a large role – and When approaching a budget, nities. businesses looking to grow and usually thought of as roads and it impacts every citizen in this whether in my company, or as It’s time Tennessee dreams create jobs. See ISSUES, page 12 state. Roads and utilities affect governor, I look at every line Page 6 HAMILTONJune 29 COUNTY- July 5, 2018 www.HamiltonCountyHerald.com H  Public Notices

Foreclosure Notices undersigned will sell and convey only as Sub- Current Owner(s) of Property: Joel Segar and as nominee for Acopia, LLC on November 4, stitute Trustee. Stephanie Segar 2010 at Book GI 9287, Page 977, Instrument Hamilton County The right is reserved to adjourn the day The street address of the above described No. 2010111000085; conducted by Shapiro & of the sale to another day, time, and place property is believed to be 463 Sweet Pecan Ingle, LLP, having been appointed Substitute or certain without further publication, upon an- Ln, Chattanooga, Tennessee 37421, but such Successor Trustee, all of record in the Hamilton NOTICE OF SUBSTITUTE TRUSTEES SALE www.rubinlublin.com/property-listings.php nouncement at the time and place for the sale address is not part of the legal description of County Register’s Office. Default has occurred WHEREAS, default has occurred in the perfor- Tel: (877) 813-0992 set forth above. If you purchase a property the property sold herein and in the event of in the performance of the covenants, terms, mance of the covenants, terms and conditions Fax: (404) 601-5846 at the foreclosure sale, the entire purchase any discrepancy, the legal description herein and conditions of said Deed of Trust and the of a Deed of Trust dated October 8, 2014, Ad #138972 price is due and payable at the conclusion shall control. entire indebtedness has been declared due executed by JOYCE N. EDWARDS, conveying June 15, 22, 29, 2018 Fnr19197 of the auction in the form of a certified/ This sale is subject to, without limitation, all and payable. certain real property therein described to FIRST bank check made payable to or endorsed matters shown on any applicable recorded plat; Party Entitled to Enforce the Debt: Wells TITLE INSURANCE COMPANY, as Trustee, as SUBSTITUTE TRUSTEE’S SALE to Shapiro & Ingle, LLP. No personal checks any unpaid taxes; any restrictive covenants, Fargo Bank, NA, its successors and assigns. same appears of record in the Register’s Of- Sale at public auction will be on July 12, will be accepted. To this end, you must bring easements, or setback lines that may be ap- The following real estate located in Ham- fice of Hamilton County, Tennessee recorded 2018 at 10:00AM local time, at the west door, sufficient funds to outbid the lender and any plicable; any statutory right of redemption of any ilton County, Tennessee, will be sold to the October 10, 2014, in Deed Book GI 10319, Hamilton County Courthouse, 625 Georgia other bidders. Insufficient funds will not be governmental agency, state or federal; any prior highest call bidder: Page 46; and WHEREAS, the beneficial inter- Ave., Chattanooga, Tennessee pursuant to accepted. Amounts received in excess of the liens or encumbrances including those created Described property located at Hamilton est of said Deed of Trust was last transferred Deed of Trust executed by Shannon D Guardiani, winning bid will be refunded to the successful by a fixture filing or any applicable homeowners’ County, Tennessee, to wit: and assigned to CMC Funding, Inc who is now to Gateway Title Company, Trustee, as trustee purchaser at the time the foreclosure deed association dues or assessments; all claims or Lots 7 and 8, Block “A’’, Hillsboro Heights, the owner of said debt; and WHEREAS, the for People Home Equity, Inc. on October 23, is delivered. other matters, whether of record or not, which Number 6, of record in Plat Book 16, Page undersigned, Rubin Lublin TN, PLLC, having 2009 at Book GI 9045, Page 605, Instrument This property is being sold with the express may encumber the purchaser’s title and any 41, in the Register’s Office of Hamilton been appointed as Substitute Trustee by instru- No. 2009102900053; conducted by Shapiro & reservation that the sale is subject to confirma- matter that an accurate survey of the premises County, Tennessee. LESS AND EXCEPT that ment to be filed for record in the Register’s Ingle, LLP, having been appointed Substitute or tion by the lender or trustee. This sale may be might disclose. part of Lot 8 conveyed by deed recorded in Office of Hamilton County, Tennessee. NOW, Successor Trustee, all of record in the Hamilton rescinded only by the Substitute Trustee at any The following parties may claim an interest Book 2271, Page 521, in he said Register’s THEREFORE, notice is hereby given that the County Register’s Office. Default has occurred time. If the Substitute Trustee rescinds the in the above-referenced property to be affected Office. For Prior title see Deed recorded in entire indebtedness has been declared due in the performance of the covenants, terms, sale, the purchaser shall only be entitled to a by the foreclosure: any judgment creditor or Book 4153, Page 294, in the Register’s Of- and payable, and that the undersigned, Rubin and conditions of said Deed of Trust and the return of any money paid towards the purchase lien holder with an interest subordinate to the fice of Hamilton County, Tennessee. THIS Lublin TN, PLLC, as Substitute Trustee or his entire indebtedness has been declared due price and shall have no other recourse. Once said Deed of Trust or any party claiming by, CONVEYANCE MADE SUBJECT TO THE FOL- duly appointed agent, by virtue of the power, and payable. the purchaser tenders the purchase price, the through, or under any of the foregoing. Such LOWING: Restrictive Covenants as set out in duty and authority vested and imposed upon Party Entitled to Enforce the Debt: Car- Substitute Trustee may deem the sale final in parties known to the Substitute Trustee may instrument recorded in Book 1037, Page 85, said Substitute Trustee will, on July 12, 2018 rington Mortgage Services, LLC, its successors which case the purchaser shall have no remedy. include: None. in the Register’s Office of Hamilton County, at 10:00 AM at the West Door of the Hamilton and assigns. The real property will be sold AS IS, WHERE Terms of Sale will be public auction, Tennessee, but omitting any covenant or County Courthouse, 625 Georgia Avenue, The following real estate located in Ham- IS, with no warranties or representations of for cash, free and clear of rights of homestead, restriction based on race, color, religion, sex, Chattanooga, TN 37402, proceed to sell at ilton County, Tennessee, will be sold to the any kind, express or implied, including without redemption and dower to the extent disclaimed handicap, familial status or national origin un- public outcry to the highest and best bidder highest call bidder: limitation, warranties regarding condition of the or inapplicable, and the rights of Joel Segar and less and only to the extent that said covenant for cash or certified funds ONLY, the following Described property located at Hamilton property or marketability of title. Stephanie Segar, and those claiming through (a) is exempt under Chapter 42, Section 3607 described property situated in Hamilton County, County, Tennessee, to wit: This office may be a debt collector. This him/her/it/them. of the United States Code or (b) relates to Tennessee, to wit: LOCATED IN THE CITY OF CHATTANOOGA, may be an attempt to collect a debt and any Any right of equity of redemption, statutory handicap but does not discriminate against LOCATED IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: BEING information obtained may be used for that and otherwise, and homestead are waived in handicapped persons. Subject to pole and HAMILTON COUNTY, TENNESSEE: LOT 34, Lot No. Forty (40), Dale Acres Subdivision, purpose. accord with the terms of said Deed of Trust, anchor easement as show on survey by Glenn FRIAR BRANCH TOWN HOMES SUBDIVISION, as shown on plat of record in Plat Book 19, Shapiro & Ingle, LLP and the title is believed to be good, but the F. Gatlin, dated 5-18-93. Subject to violation FINAL PLAT PHASE 2, RECORDED IN PLAT BOOK Page 26, in the Register’s Office of Hamilton Substitute Trustee undersigned will sell and convey only as Sub- of front setback line as shown on survey by 81, PAGE 186 IN THE REGISTER`S OFFICE OF County, Tennessee, for a more complete 10130 Perimeter Parkway, Suite 400 stitute Trustee. Glenn F. Gatlin, dated 5-18-93 . Subject to all HAMILTON COUNTY, TENNESSEE.SUBJECT TO description of said property. Charlotte, NC 28216 The right is reserved to adjourn the day notes, stipulations, restrictions, easements, ANY GOVERNMENTAL ZONING AND SUBDIVI- For prior title see deed in Deed Book 5741, Phone: (704) 333-8107 of the sale to another day, time, and place conditions, and regulations as set out on SION ORDINANCES AND REGULATIONS IN Page 992, in the Register’s Office of Hamilton Fax: (704) 333-8156 certain without further publication, upon an- recorded plat. Any governmental zoning and EFFECT THEREON. SUBJECT TO DECLARATION County, Tennessee. www.auction.com nouncement at the time and place for the sale subdivision ordinances in effect thereon. OF COVENANTS, CONDITIONS, RESERVATIONS Property known as 4701 Clover Lane, File No. 17-113368 set forth above. If you purchase a property Street Address: 1635 Dogwood Dr, Chat- FOR RIGHTS FOR FRIAR BRANCH TOWNHOMES Hixson, Tennessee 37343, Map Parcel No. June 15, 22, 29, 2018 Fnr19199 at the foreclosure sale, the entire purchase tanooga, Tennessee 37406 RECORDED IN BOOK 8883, PAGE 587, IN THE JJOI-F-007. price is due and payable at the conclusion Parcel Number: 147B-F-009.00 REGISTER`S OFFICE OF HAMILTON COUNTY, THIS CONVEYANCE IS MADE SUBJECT TO SUBSTITUTE TRUSTEE’S SALE of the auction in the form of a certified/ Current Owner(s) of Property: Leon Harris, Jr. TENNESSEE, AS AMENDED IN BOOK 9663, THE FOLLOWING: Sale at public auction will be on August bank check made payable to or endorsed The street address of the above described PAGE 898 AND BOOK 9860, PAGE 435 IN Any governmental zoning and subdivision 23, 2018 at 10:00AM local time, at the west to Shapiro & Ingle, LLP. No personal checks property is believed to be 1635 Dogwood Dr, SAID REGISTER`S OF LICE. SUBJECT TO TEN ordinances or regulations in effect thereon. door, Hamilton County Courthouse, 625 Geor- will be accepted. To this end, you must bring Chattanooga, Tennessee 37406, but such (10) FOOT POWER AND COMMUNICATION All applicable conditions, restrictions, res- gia Ave., Chattanooga, Tennessee pursuant sufficient funds to outbid the lender and any address is not part of the legal description of EASEMENT. SUBJECT TO SIXTEEN (16) FOOT ervations, easements, etc., as shown on to Deed of Trust executed by Joel Segar and other bidders. Insufficient funds will not be the property sold herein and in the event of UTILITY EASEMENT. SUBJECT TO TWENTY-FIVE recorded plat. Stephanie Segar, to Alan Pritchard, Trustee, accepted. Amounts received in excess of the any discrepancy, the legal description herein (25) FOOT UNDISTURBED BUFFER EASEMENT. Street Address: 4701 Clover Lane, Hixson, as trustee for Mortgage Electronic Registration winning bid will be refunded to the successful shall control. SUBJECT TO ALL MATTERS AS PER PLAT. Tennessee 37343 Systems, Inc. as nominee for Southwest Fund- purchaser at the time the foreclosure deed This sale is subject to, without limitation, all Parcel ID: 138FA 035.34 Parcel Number: 110I F 007 ing, LP on May 16, 2014 at Book GI 10220, is delivered. matters shown on any applicable recorded plat; PROPERTY ADDRESS: The street address of Current Owner(s) of Property: Shannon D. Page 120; conducted by Shapiro & Ingle, LLP, This property is being sold with the express any unpaid taxes; any restrictive covenants, the property is believed to be 6339 LARAMIE Guardiani having been appointed Substitute or Successor reservation that the sale is subject to confirma- easements, or setback lines that may be ap- CIRCLE, CHATTANOOGA, TN 37421. In the The street address of the above described Trustee, all of record in the Hamilton County tion by the lender or trustee. This sale may be plicable; any statutory right of redemption of any event of any discrepancy between this street property is believed to be 4701 Clover Lane, Register’s Office. Default has occurred in rescinded only by the Substitute Trustee at any governmental agency, state or federal; any prior address and the legal description of the prop- Hixson, Tennessee 37343, but such address is the performance of the covenants, terms, time. If the Substitute Trustee rescinds the liens or encumbrances including those created erty, the legal description shall control. not part of the legal description of the property and conditions of said Deed of Trust and the sale, the purchaser shall only be entitled to a by a fixture filing or any applicable homeowners’ CURRENT OWNER(S): THE NANCE/EDWARDS sold herein and in the event of any discrepancy, entire indebtedness has been declared due return of any money paid towards the purchase association dues or assessments; all claims or FAMILY TRUST the legal description herein shall control. and payable. price and shall have no other recourse. Once other matters, whether of record or not, which OTHER INTERESTED PARTIES: This sale is subject to, without limitation, all Party Entitled to Enforce the Debt: LakeV- the purchaser tenders the purchase price, the may encumber the purchaser’s title and any The sale of the above-described property shall matters shown on any applicable recorded plat; iew Loan Servicing, LLC, its successors and Substitute Trustee may deem the sale final in matter that an accurate survey of the premises be subject to all matters shown on any recorded any unpaid taxes; any restrictive covenants, assigns. which case the purchaser shall have no remedy. might disclose. plat; any unpaid taxes; any restrictive cov- easements, or setback lines that may be ap- The following real estate located in Ham- The real property will be sold AS IS, WHERE The following parties may claim an interest enants, easements or set-back lines that may plicable; any statutory right of redemption of any ilton County, Tennessee, will be sold to the IS, with no warranties or representations of in the above-referenced property to be affected be applicable; any prior liens or encumbrances governmental agency, state or federal; any prior highest call bidder: any kind, express or implied, including without by the foreclosure: any judgment creditor or as well as any priority created by a fixture filing; liens or encumbrances including those created Described property located at Hamilton limitation, warranties regarding condition of the lien holder with an interest subordinate to the and to any matter that an accurate survey of by a fixture filing or any applicable homeowners’ County, Tennessee, to wit: property or marketability of title. said Deed of Trust or any party claiming by, the premises might disclose. This property is association dues or assessments; all claims or A certain tract or parcel of land in Hamilton This office may be a debt collector. This through, or under any of the foregoing. Such being sold with the express reservation that other matters, whether of record or not, which County, Tennessee, described as follows, may be an attempt to collect a debt and any parties known to the Substitute Trustee may it is subject to confirmation by the lender or may encumber the purchaser’s title and any to-wit: Lot 11, Pecan Springs Subdivision, information obtained may be used for that include: None. Substitute Trustee. This sale may be rescinded matter that an accurate survey of the premises of record in Plat Book 80, Page 145, in the purpose. Terms of Sale will be public auction, for at any time. The right is reserved to adjourn might disclose. Register’s Office of Hamilton County, Ten- Shapiro & Ingle, LLP cash, free and clear of rights of homestead, the day of the sale to another day, time, and The following parties may claim an interest nessee. No new boundary line survey was Substitute Trustee redemption and dower to the extent disclaimed place certain without further publication, upon in the above-referenced property to be affected performed at the time of this conveyance. 10130 Perimeter Parkway, Suite 400 or inapplicable, and the rights of Leon Harris, announcement at the time and place for the by the foreclosure: any judgment creditor or lien SUBJECT to restrictions, easements, set- Charlotte, NC 28216 Jr. and Yolande Harris aka Yolande D. Harris, sale set forth above. All right and equity of re- holder with an interest subordinate to the said backs, and other conditions recorded in Plat Phone: (704) 333-8107 and those claiming through him/her/it/them. demption, statutory or otherwise, homestead, Deed of Trust or any party claiming by, through, Book 80, Page 145, in the Register’s Office Fax: (704) 333-8156 Any right of equity of redemption, statutory and dower are expressly waived in said Deed or under any of the foregoing. Such parties for Hamilton County, Tennessee. SUBJECT to www.auction.com and otherwise, and homestead are waived in of Trust, and the title is believed to be good, known to the Substitute Trustee may include: restrictions, easements, setbacks, and other File No. 18-115754 accord with the terms of said Deed of Trust, but the undersigned will sell and convey only Chattanooga Neighborhood Enterprise, Inc.. conditions recorded in Deed Book 7942, June 15, 22, 29, 2018 Fnr19201 and the title is believed to be good, but the as Substitute Trustee. The Property is sold Terms of Sale will be public auction, for Page 142, in the Register’s Office for Ham- undersigned will sell and convey only as Sub- as is, where is, without representations or cash, free and clear of rights of homestead, ilton County, Tennessee. BEING the same SUBSTITUTE TRUSTEE’S SALE stitute Trustee. warranties of any kind, including fitness for a redemption and dower to the extent disclaimed property conveyed to Joel Segar and wife, Sale at public auction will be on July The right is reserved to adjourn the day particular use or purpose. or inapplicable, and the rights of Shannon D Stephanie Segar by Warranty Deed dated 12, 2018 at 10:00AM local time, at the of the sale to another day, time, and place THIS LAW FIRM IS ATTEMPTING TO COLLECT A Guardiani, and those claiming through him/ 06/01/11 and recorded on 06/02/11 in west door, Hamilton County Courthouse, certain without further publication, upon an- DEBT. ANY INFORMATION OBTAINED WILL BE her/it/them. GI Book 9410, Page 933, in the Register’s 625 Georgia Ave., Chattanooga, Tennessee nouncement at the time and place for the sale USED FOR THAT PURPOSE. Any right of equity of redemption, statutory Office for Hamilton County, Tennessee. pursuant to Deed of Trust executed by Leon set forth above. If you purchase a property Rubin Lublin TN, PLLC, Substitute Trustee and otherwise, and homestead are waived in Street Address: 463 Sweet Pecan Ln, Chat- Harris, Jr. and Yolande Harris aka Yolande D. at the foreclosure sale, the entire purchase 119 S. Main Street, Suite 500 accord with the terms of said Deed of Trust, tanooga, Tennessee 37421 Harris, to Kerry Webb, Trustee, as trustee for price is due and payable at the conclusion Memphis, TN 38103 and the title is believed to be good, but the Parcel Number: 172I A 021.00 Mortgage Electronic Registration Systems, Inc. of the auction in the form of a certified/ June 29 - July 5, 2018 Public Notices Page 7 www.HamiltonCountyHerald.com

bank check made payable to or endorsed Foreclosure/Trustee's Sales Scheduled in the Next 3 Weeks to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring Property Address Publication Dates Borrower Attorney sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be SALES TO TAKE PLACE ON 2018-07-02 accepted. Amounts received in excess of the winning bid will be refunded to the successful 7007 Glacier Lane, Harrison, 37341 2018-05-25; 2018-06-01; 2018-06-08 Dianne A. Hossain Wilson & Associates, PLLC purchaser at the time the foreclosure deed is delivered. SALES TO TAKE PLACE ON 2018-07-05 This property is being sold with the express reservation that the sale is subject to confirma- 1836 Timesville Rd, Signal Mountain, 37377 2018-06-08; 2018-06-15; 2018-06-22 Betty L. Epperson and Ricky Hudson Mackie Wolf Zientz & Mann, P.C. tion by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any SALES TO TAKE PLACE ON 2018-07-10 time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a 1713 Rubio St , Chattanooga, 37406 2018-05-11; 2018-05-18; 2018-05-25 Hamiel, Doris Shapiro and Ingle, LLP return of any money paid towards the purchase 7341 Short Tail Springs Road, Harrison 2018-05-11; 2018-05-18; 2018-05-25 Ryan M. Whited Solomon Baggett, LLC price and shall have no other recourse. Once the purchaser tenders the purchase price, the SALES TO TAKE PLACE ON 2018-07-12 Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. 2373 Chimney Lake Circle, Soddy Daisy, 2018-05-18; 2018-05-25; 2018-06-01 Michael Delaney Wilson & Associates, PLLC The real property will be sold AS IS, WHERE 2208 Cheek Street, Chattanooga, 37406 2018-05-25; 2018-06-01; 2018-06-08 Johnny B. Caldwell Wilson & Associates, PLLC IS, with no warranties or representations of 21 Dowlen Road, Hixson, 37343 2018-05-25; 2018-06-01; 2018-06-08 Cheryl A. Ivey Rubin Lublin TN, PLLC any kind, express or implied, including without 206 Haney Dr. , Chattanooga, 37411 2018-05-25; 2018-06-01; 2018-06-08 Karen A. Vernell Solomon Baggett, LLC limitation, warranties regarding condition of the 2845 Kirkman Road, Chattanooga, 37421 2018-06-01; 2018-06-08; 2018-06-15 Kathy S. North Mackie Wolf Zientz & Mann, P.C. property or marketability of title. 2104 Wilson St , Chattanooga, 37408 2018-06-08; 2018-06-15; 2018-06-22 Brummett, Cordella Shapiro and Ingle, LLP This office may be a debt collector. This 7411 S. Dent Road, Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Chase G. Cheeseman and Pamela J. Dalzell Better Choice Notice Solutions may be an attempt to collect a debt and any 6314 Rosemary Drive, Chattanooga, 37416 2018-05-18; 2018-05-25; 2018-06-01 Lillie M. McMillion Wilson & Associates, PLLC information obtained may be used for that 3628 Kings Road, Chattanooga, 37416 2018-05-18; 2018-05-25; 2018-06-01 Alice M. Baxter Mackie Wolf Zientz & Mann, P.C. purpose. 7307 Frances Drive, Chattanooga, 37421 2018-05-11 Mark A. Gilbert Wilson & Associates, PLLC Shapiro & Ingle, LLP 3814 Forest Highland Drive, Chattanooga, 2018-06-15; 2018-06-22; 2018-06-29 Carmalita L. Powers Substitute Trustee 6512 Shallowmar Lane, Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Michael G. Massey Wilson & Associates, PLLC 10130 Perimeter Parkway, Suite 400 6339 Laramie Circle, Chattanooga, 37421 2018-06-15; 2018-06-22; 2018-06-29 Joyce N. Edwards Rubin Lublin TN, PLLC Charlotte, NC 28216 4507 Montview Drive, Chattanooga, 37411 2018-06-22; 2018-06-29; 2018-07-06 Chad J. Hopkins Wilson & Associates, PLLC Phone: (704) 333-8107 1635 Dogwood Dr , Chattanooga, 37406 2018-06-15; 2018-06-22; 2018-06-29 Harris, Leon and Yolande Shapiro and Ingle, LLP Fax: (704) 333-8156 3234 Navajo Drive, Chattanooga, 37411 2018-06-22; 2018-06-29; 2018-07-06 Randall R. Quarles Better Choice Notice Solutions www.auction.com 2318 Little Bend Rd, Signal Mountain, 37377 2018-06-08; 2018-06-15; 2018-06-22 Eddie D Jenkins Rubin Lublin TN, PLLC File No. 13-052902 3401 Elder Mountain Road, Chattanooga, 2018-06-08; 2018-06-15; 2018-06-22 Connie Emerling June 15, 22, 29, 2018 Fnr19200 4517 St. Elmo Avenue, Chattanooga, 37409 2018-06-08; 2018-06-15; 2018-06-22 Brian Oliver and Michelle Oliver Mackie Wolf Zientz & Mann, P.C. 4701 Clover Lane , Hixson, 37343 2018-06-15; 2018-06-22; 2018-06-29 Guardiani, Shannon Shapiro and Ingle, LLP SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on July 19, 2018 SALES TO TAKE PLACE ON 2018-07-17 on or about 11:00AM local time, at the Main door of the Hamilton County Courthouse, Chat- 1600 East 48th St , Chattanooga, 37407 2018-06-22; 2018-06-29; 2018-07-06 Curd, Ernest Shapiro and Ingle, LLP tanooga, Tennessee, conducted by the Substi- 8695 Arbutus Drive, Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Tammy R. Stapleton C/O Tennessee Foreclosure Dept. tute Trustee as identified and set forth herein below, pursuant to Deed of Trust executed by SALES TO TAKE PLACE ON 2018-07-19 CHRISTOPHER M. PHILLIPS AND ELIZABETH H. PHILLIPS, to CHARLES BONER, Trustee, on 2091 Paris Metz Road, Chattanooga, 37421 2018-06-15; 2018-06-22; 2018-06-29 Christopher M. Phillips and Elizabeth H. Phillips Mackie Wolf Zientz & Mann, P.C. November 30, 2006, at Record Book GI 8185, 1707 Bennett Ave, Chattanooga, 37404 2018-06-22; 2018-06-29; 2018-07-06 Frances E. Baulding Rubin Lublin TN, PLLC Page 808 as Instrument No. 2006121900148 4130 Sunset Ave , Chattanooga, 37411 2018-06-22; 2018-06-29; 2018-07-06 Arnold, Calvin and Belinda Shapiro and Ingle, LLP in the real property records of Hamilton County 941 Runyan Drive, Chattanooga, 37405 2018-06-22; 2018-06-29; 2018-07-06 Danielle N Davis, Mike Davis, Beatrice L. Woodward Rubin Lublin TN, PLLC Register’s Office, Tennessee. 5930 Ramsey Forgey Road, Harrison, 37341 2018-06-22; 2018-06-29; 2018-07-06 Thomas Clinton Simmons and Wanda Simmons Rubin Lublin TN, PLLC Owner of Debt: Bosco Credit II, LLC 7128 Fine Lane, Harrison, 37341 2018-06-22; 2018-06-29; 2018-07-06 Amora E. O’Neill and Richard W. O’Neill Rubin Lublin TN, PLLC The following real estate located in Hamilton 4382 Wellesley Drive, Ooltewah, 37363 2018-06-22; 2018-06-29; 2018-07-06 Rhonda M. McFadden and Toney McFadden Rubin Lublin TN, PLLC County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior SALES TO TAKE PLACE ON 2018-07-20 liens and encumbrances of record: The following described real estate, to-wit: 1343 Florida St , Chattanooga, 37421 2018-06-22; 2018-06-29; 2018-07-06 Parks, Marshall Shapiro and Ingle, LLP Situate in the City of Chattanooga, Hamilton County, Tennessee: SALES TO TAKE PLACE ON 2018-07-23 Being Lot 32, Belleau Woods Subdivision, as shown by plat of record in Plat Book 60, 2202 Bailey Ave, Chattanooga, 37404 2018-06-29; 2018-07-06; 2018-07-13 Mallory Dean Wilson & Associates, PLLC page 169, in the Register`s Office of Hamilton County, Tennessee. SALES TO TAKE PLACE ON 2018-07-24 Subject to restrictions of record in Book 5473, page 310, in the register`s Office of Hamilton 4315 13th Avenue , Chattanooga, 37407 2018-06-29; 2018-07-06; 2018-07-13 Sheri Darleen Hollaway County, Tennessee. Subject to ten (10) foot power, communica- SALES TO TAKE PLACE ON 2018-07-26 tion, and sewage easement as shown or specified on the recorded plat. 8514 Daisy Dallas Rd , Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Stewart, Teresa Shapiro and Ingle, LLP Subject to conditions, restrictions, reserva- 2508 Jeffery Drive, Chattanooga, 37421 2018-06-08; 2018-06-15; 2018-06-22 Oran N. Dixson Wilson & Associates, PLLC tions, limitations, easements, etc., as set 2612 Roanoke Avenue, Chattanooga, 37406 2018-06-29; 2018-07-06; 2018-07-13 Wanda S. Barbree and Evelyn Barbree C/O Tennessee Foreclosure Dept. out on the recorded plat. 3417 Gay Street, Chattanooga, 37411 2018-06-29; 2018-07-06; 2018-07-13 Bettye L. Allen C/O Tennessee Foreclosure Dept. Subject to any government zoning or sub- 3905 Knollwood Drive, Chattanooga, 37415 2018-06-29; 2018-07-06; 2018-07-13 Sharon Christine Jackson and James Wade Jackson Mackie Wolf Zientz & Mann, P.C. division ordinances or regulations in effect 130 Meadowview Lane, Soddy Daisy, 37379 2018-06-29; 2018-07-06; 2018-07-13 Lloyd C. Denton Wilson & Associates, PLLC thereon. 206 Daisy Avenue, Soddy Daisy, 37379 2018-06-29; 2018-07-06; 2018-07-13 Rhonda G. Shepherd and Robert Glenn Shepherd C/O Tennessee Foreclosure Dept. Being the same property conveyed to Chris- 3214 Stage Run Drive, Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Bradley D Church, Cristal McMillian Church Rubin Lublin TN, PLLC topher M. Phillips and Elizabeth H. Phillips 6636 Rolling River Road, Harrison, 37341 2018-06-29; 2018-07-06; 2018-07-13 Donna R. Miller Rubin Lublin TN, PLLC by deed dated July 27, 2001 and recorded 3906 McDowell Street, Chattanooga, 37411 2018-06-01; 2018-06-08; 2018-06-15 Susan M. Brewer Wilson & Associates, PLLC July 30, 2001 in Deed Book 5940, page 337 9106 Harrison Bay Road, Harrison, 37341 2018-06-29; 2018-07-06; 2018-07-13 Flora Orr Hughes Better Choice Notice Solutions in the Register`s Office of Hamilton County, 6604 Schooner Bay Ln , Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Garland, Brian and Courtney Shapiro and Ingle, LLP Tennessee. 7051 Autumn Lake Trl , Hixson, 37343 2018-06-22; 2018-06-29; 2018-07-06 Witt, James Shapiro and Ingle, LLP Parcel ID#159C-H-009 Tax ID: 159C-H-009 Current Owner(s) of Property: CHRISTOPHER OTHER INTERESTED PARTIES: TENNESSEE VAL- redeem the property as required by 26 U.S.C. Avenue, Chattanooga, TN 37402, pursuant to as shown on plat of record in Plat Book 18, M. PHILLIPS AND ELIZABETH H. PHILLIPS LEY HOME IMPROVEMENTS LLC AND US BANK 7425 and T.C.A. §67-1-1433. Deed of Trust executed by Carmalita L. Powers, Page 54, in the Register`s Office, Hamilton The street address of the above described NA AS TRUSTEE FOR THE AJAX MORTGAGE This property is being sold with the express to Peter C. Ensign, Attorney at Law, as Trustee County, Tennessee, to which plat reference is property is believed to be 2091 Paris Metz LOAN TRUST 2016-B AND PORTFOLIO RECOV- reservation that the sale is subject to confir- for Mortgage Electronic Registration Systems, hereby made for a more particular description Rd., Chattanooga, TN 37421, but such ad- ERY ASSOCIATES, LLC AND MIDLAND FUNDING mation by the lender or trustee. If the sale is Inc. (“MERS”) as nominee for American Mort- of said property. dress is not part of the legal description of the LLC AND CITIBANK SOUTH DAKOTA, NA set aside for any reason, the Purchaser at the gage Network, Inc., dated December 21, 2005, Street Address: The street address of the property sold herein and in the event of any THIS IS AN ATTEMPT TO COLLECT A DEBT AND sale shall be entitled only to a return of the of record in Book GI 7797, Page 118, in the property is believed to be 3814 Forest Highland discrepancy, the legal description referenced ANY INFORMATION OBTAINED WILL BE USED purchase price. The Purchaser shall have no Register’s Office for Hamilton County, Tennes- Drive, Chattanooga, TN 37415, but such ad- herein shall control. FOR THAT PURPOSE. further recourse against the Mortgagor, the see (“Deed of Trust”), conducted by Padgett dress is not part of the legal description of the SALE IS SUBJECT TO OCCUPANT(S) RIGHTS If applicable, the notice requirements of T.C.A. Mortgagee or the Mortgagee’s attorney. Law Group, having been appointed Substitute property. In the event of any discrepancy, the IN POSSESSION. 35-5-101 have been met. MWZM File No. 17-000015-740-2 Trustee, all of record in the Hamilton County legal description herein shall control. THE RIGHT IS RESERVED TO ADJOURN THE All right of equity of redemption, statutory Mackie Wolf Zientz & Mann, P.C., Substitute Register’s Office. Default in the performance Map/Parcel Number: 118C A 023 DAY OF THE SALE TO ANOTHER DAY, TIME AND and otherwise, and homestead are expressly Trustee(s) of the covenants, terms, and conditions of Current owner(s) of Property: Carmalita L. PLACE CERTAIN WITHOUT FURTHER PUBLICA- waived in said Deed of Trust, but the under- PREMIER BUILDING, SUITE 404 said Deed of Trust has been made; and the Powers TION, UPON ANNOUNCEMENT AT THE TIME AND signed will sell and convey only as Substitute 5217 MARYLAND WAY entire indebtedness has been declared due This sale is subject to all matters shown on PLACE FOR THE SALE SET FORTH ABOVE. THE Trustee. BRENTWOOD, TENNESSEE 37027 and payable. any applicable recorded Plat or Plan; any TERMS OF SALE ARE CASH. ANY TAXES OR If the U.S. Department of Treasury/IRS, the PHONE: (615) 238-3630 Party entitled to enforce the debt: Ditech unpaid taxes and assessments; any restric- FEES WILL BE THE RESPONSIBILITY OF THE State of Tennessee Department of Revenue, EMAIL: [email protected] Financial LLC tive covenants, easements or setback lines PURCHASER. IF THE SALE IS SET ASIDE FOR or the State of Tennessee Department of June 15, 22, 29, 2018 Fnr19212 The hereinafter described real property located that may be applicable; rights of redemption, ANY REASON, THE PURCHASER AT THE SALE Labor or Workforce Development are listed in Hamilton County will be sold to the highest equity, statutory or otherwise, not otherwise SHALL BE ENTITLED ONLY TO A RETURN OF THE as Interested Parties in the advertisement, SUBSTITUTE TRUSTEE’S SALE call bidder subject to all unpaid taxes, prior waived in the Deed of Trust, including rights of PURCHASE PRICE. THE PURCHASER SHALL then the Notice of this foreclosure is being Sale at public auction will be on July 12, 2018 liens and encumbrances of record:. redemption of any governmental agency, state HAVE NO FURTHER RECOURSE AGAINST THE given to them and the Sale will be subject to at 10:00 a.m., local time, at the west door of Legal Description: Lot 24, Block 4 of Forest Continued on page 8 GRANTOR, THE GRANTEE, OR THE TRUSTEE. the applicable governmental entities’ right to the Hamilton County Courthouse, 625 Georgia Highlands Subdivision, Addition Number 3, Page 8 Public Notices June 29 - July 5, 2018 www.HamiltonCountyHerald.com

Building Permits STIPULATIONS, RESTRICTIONS, EASEMENTS, Hamilton County CONDITIONS, AND REGULATIONS AS SET OUT ON RECORDED PLAT. SUBJECT TO ALL NOTES Status Licensed Professional Contract AS SET OUT ON LEGEND OF RECORDED PLAT. Owner Address Work Description Date Site Address Address Value CONDITIONS AND EASEMENTS CONTAINED IN DOCUMENT OF RECORD IN BOOK 2116, PAGE 06/21/2018 033127M D 02200 FORD CHARLES L & SARAH A OWNER NEW CONSTRUCTION $8,000.00 186, IN THE REGISTER`S OFFICE OF HAMILTON 2709 WOOD AVE 607 HEMPHILL AVE OWNER (10X17) FOR OFFCIE USE COUNTY, TENNESSEE. CHATTANOOGA 37406 CHATTANOOGA, TN 37411 BY JACKSON’S TOWING Parcel ID: 140N D 005 Commercial New Construction PROPERTY ADDRESS: The street address of the 06/22/2018 033127N A 00700 ANDREWS PHIL BURRIS CONSTRUCTION STORAGE BUILDING $250,000.00 property is believed to be 4382 WELLESLEY 2805 BELLE ARBOR AVE 7513 ROYAL HARBOUR CIR DEE BURRIS DR, OOLTEWAH, TN 37363. In the event of CHATTANOOGA 37406 OOLTEWAH, TN 37363 4060 OCOEE ST N any discrepancy between this street address Commercial New Construction CLEVELAND, TN 37312 and the legal description of the property, the 06/19/2018 033126N P 00801 MELLENCAMP MELLENCAMP NEW SINGLE FAMILY $194,000.00 legal description shall control. 711 SPEARS AVE LOT 109 CONSTRUCTION LLC CONSTRUCTION ASSOC RESIDENCE, THREE CURRENT OWNER(S): RHONDA M. MCFADDEN CHATTANOOGA, TN 37405 122 HUNT DR JEFF MELLENCAMP BEDROOMS ON CRAWL and TONEY MCFADDEN Residential (1-2 Units) ROSSVILLE, GA 30741 820 SECRET GARDEN DR SPACE W/ATTACHED OTHER INTERESTED PARTIES: Internal Rev- New Construction CHATTANOOGA, TN 37421 GARAGE enue Service (TN), MIDLAND FUNDING LLC 06/18/2018 033139M C 11600 WILLIAMS MATTHEW DAVID & A & M CONSTRUCTION CO. NEW SF HOME WITH FULL $285,000.00 ASSIGNEE OF FCNB-SPIEGEL, WELLESLEY 4055 BROCK RD SARAH J ANTHONY WILLIAMS BASEMENT, 4 HOMEOWNERS ASSOCIATION CHATTANOOGA 37421 6234 PERIMETER DR A103 7161 LEE HWY, STE 300 BEDROOMS, 1.5 STORIES. The sale of the above-described property shall Residential (1-2 Units) CHATTANOOGA, TN 37421 CHATTANOOGA, TN 37421 be subject to all matters shown on any recorded New Construction plat; any unpaid taxes; any restrictive cov- 06/18/2018 033139M C 07700 MOUNTAIN CITY A & M CONSTRUCTION CO. NEW SINGLE FAMILY RESIDENCE $220,000.00 enants, easements or set-back lines that may 8028 BURGUNDY CIR MANAGEMENT GRP LLC ANTHONY WILLIAMS OVER CRAWL SPACE, THREE be applicable; any prior liens or encumbrances CHATTANOOGA, TN 37421 7161 LEE HWY STE 300 7161 LEE HWY, STE 300 BEDROOMS, 1.5 STORY as well as any priority created by a fixture filing; Residential (1-2 Units) CHATTANOOGA, TN 37421 CHATTANOOGA, TN 37421 WITH ATTACHED GARAGE and to any matter that an accurate survey of 06/18/2018 033139M C 07700 MOUNTAIN CITY A & M CONSTRUCTION CO. NEW SINGLE FAMILY $225,000.00 the premises might disclose. This property is 8036 BURGUNDY CIR MANAGEMENT GRP LLC ANTHONY WILLIAMS RESIDENCE, 1.5 STORY, being sold with the express reservation that CHATTANOOGA, TN 37421 7161 LEE HWY STE 300 7161 LEE HWY, STE 300 THREE BEDROOMS OVER it is subject to confirmation by the lender or Residential (1-2 Units) CHATTANOOGA, TN 37421 CHATTANOOGA, TN 37421 CRAWL SPACE WITH Substitute Trustee. This sale may be rescinded New Construction ATTACHED GARAGE at any time. The right is reserved to adjourn 06/20/2018 033120O H 02511 DOUBLE DIAMOND WILLIAMS DEVELOPMENT NEW CONSTRUCTION OF SINGLE $100,000.00 the day of the sale to another day, time, and 4044 TEAKWOOD DR LOT 3 PROPERTIES LLC LLC FAMILY RESIDENCE, ONE place certain without further publication, upon CHATTANOOGA, TN 37416 P O BOX 16126 SHERRILL WHITE STORY WITH FOUR BEDROOMS announcement at the time and place for the Residential (1-2 Units) CHATTANOOGA, TN 37416 PO BOX 16126 OVER CRAWL SPACE, sale set forth above. All right and equity of re- New Construction CHATTANOOGA, TN 37416 PARKING PAD ONLY demption, statutory or otherwise, homestead, 06/20/2018 033157J P 00900 POND HOLDINGS 2081 SERIES RLP CONSTRUCTION LLC NEW SINGLE FAMILY $84,000.00 and dower are expressly waived in said Deed 4724 KENWOOD AVE 7 LLC REED POND HOME ON SLAB, 3 of Trust, and the title is believed to be good, CHATTANOOGA 37411 P O BOX 11461 PO BOX 11461 BEDROOMS, 1 STORY. but the undersigned will sell and convey only Residential (1-2 Units) CHATTANOOGA, TN 37401 CHATTANOOGA, TN 37401 as Substitute Trustee. The Property is sold New Construction as is, where is, without representations or 06/20/2018 033157J P 00901 POND HOLDINGS 2081 SERIES RLP CONSTRUCTION LLC NEW SINGLE FAMILY $84,000.00 warranties of any kind, including fitness for a 4734 KENWOOD AVE 7 LLC REED POND HOME ON SLAB, 3 particular use or purpose. In addition this sale CHATTANOOGA 37411 P O BOX 11461 PO BOX 11461 BEDROOMS, 1 STORY. shall be subject to the right of redemption by Residential (1-2 Units) CHATTANOOGA, TN 37401 CHATTANOOGA, TN 37401 the UNITED STATES OF AMERICA, pursuant to New Construction 26 U.S.C. 7425(d)(1) by reason of the following 06/20/2018 033157J P 00901 POND HOLDINGS 2081 SERIES RLP CONSTRUCTION LLC NEW SINGLE FAMILY $84,000.00 tax lien(s) of record in: Book GI 10527, Page 4734 KENWOOD AVE 7 LLC REED POND HOME ON SLAB, 3 621. Notice of the sale has been given to the CHATTANOOGA 37411 P O BOX 11461 PO BOX 11461 BEDROOMS, 1 STORY. UNITED STATES OF AMERICA in accordance Residential (1-2 Units) CHATTANOOGA, TN 37401 CHATTANOOGA, TN 37401 with 26 U.S.C. 7425(b).In addition this sale New Construction shall be subject to the right of redemption by 06/21/2018 033157G K 00501 POND HOLDINGS 2018 SERIES RLP CONSTRUCTION LLC NEW CONSTRUCTION OF $84,000.00 the UNITED STATES OF AMERICA, pursuant to 121 N PARKDALE AVE 7 LLC REED POND SINGLE FAMILY 26 U.S.C. 7425(d)(1) by reason of the following CHATTANOOGA 37411 P O BOX 11461 PO BOX 11461 RESIDENCE, THREE tax lien(s) of record in: Book GI 10305, Page Residential (1-2 Units) CHATTANOOGA, TN 37401 CHATTANOOGA, TN 37401 BEDROOMS ON SLAB, 198. Notice of the sale has been given to the New Construction PARKING PAD ONLY UNITED STATES OF AMERICA in accordance 06/22/2018 033159O A 03900 HEADRICK CONSTRUCTION INC HEADRICK CONSTRUCTION SF DWELLING WITH DOUBLE GARAGE $225,000.00 with 26 U.S.C. 7425(b).In addition this sale 1132 KINSEY DR 5183 POPLAR SPRINGS RD ALLEN HEADRICK COVERED REAR PORCH, ON shall be subject to the right of redemption by CHATTANOOGA 37421 RINGGOLD, GA 30736 51836 POPLAR SPRINGS ROAD CRAWLSPACE, 3BEDROOMS, the UNITED STATES OF AMERICA, pursuant to Residential (1-2 Units) New Construction RINGGOLD, GA 30736 2 STORIES. 26 U.S.C. 7425(d)(1) by reason of the following 06/20/2018 033159O A 03901 HEADRICK CONSTRUCTION INC HEADRICK CONSTRUCTION NEW SF DWELLING WITH DOUBLE $225,000.00 tax lien(s) of record in: Book GI 9463, Page 1136 KINSEY DR 5183 POPLAR SPRINGS RD ALLEN HEADRICK GARAGE, COVERED REAR PORCH 94. Notice of the sale has been given to the CHATTANOOGA 37421 RINGGOLD, GA 30736 51836 POPLAR SPRINGS ROAD ON CRAWLSPACE. 3 UNITED STATES OF AMERICA in accordance Residential (1-2 Units) New Construction RINGGOLD, GA 30736 BEDROOMS, 1.5 STORIES. with 26 U.S.C. 7425(b).In addition this sale 06/20/2018 033126M R 00100 RCS CONSTRUCTION RCS CONSTRUCTION LLC NEW SF HOME ON BASEMENT $305,000.00 shall be subject to the right of redemption by 1002 FOREST 6652 EL DEE LN WILLIAM CLEGG JR. WITH CONVENTIONAL the UNITED STATES OF AMERICA, pursuant to CHATTANOOGA, TN SODDY DAISY, TN 37379 8652 ELL DEE LANE FOUNDATION, 4 BEDROOMS 26 U.S.C. 7425(d)(1) by reason of the following Residential (1-2 Units) New Construction SODDY DAISY, TN 37379 2 STORIES. tax lien(s) of record in: Book GI 11250, Page 429. Notice of the sale has been given to the Foreclosure Notices UNITED STATES OF AMERICA in accordance reservation that the sale is subject to confirma- nessee. NOW, THEREFORE, notice is hereby BUT DOES NOT DISCRIMINATE AGAINST with 26 U.S.C. 7425(b). Continued from page 7 tion by the lender or trustee. This sale may be given that the entire indebtedness has been HANDICAPPED PERSONS. LIEN OF ASSESS- THIS LAW FIRM IS ATTEMPTING TO COLLECT rescinded by the Substitute Trustee at any time. declared due and payable, and that the under- MENTS AS PROVIDED FOR IN DECLARATION A DEBT. ANY INFORMATION OBTAINED WILL or federal; and any and all prior deeds of trust, THIS IS AN ATTEMPT TO COLLECT A DEBT, AND signed, Rubin Lublin TN, PLLC, as Substitute OF RESTRICTIVE COVENANTS FOR WELLESLEY BE USED FOR THAT PURPOSE. liens, dues, assessments, encumbrances, ANY INFORMATION OBTAINED WILL BE USED Trustee or his duly appointed agent, by virtue SUBDIVISION AS SET OUT IN INSTRUMENT Rubin Lublin TN, PLLC, Substitute Trustee defects, adverse claims and other matters that FOR THAT PURPOSE. of the power, duty and authority vested and RECORDED IN BOOK 6969, PAGE 975, IN THE 119 S. Main Street, Suite 500 may take priority over the Deed of Trust upon Padgett Law Group, Substitute Trustee imposed upon said Substitute Trustee will, REGISTER`S OFFICE OF HAMILTON COUNTY, Memphis, TN 38103 which this foreclosure sale is conducted or 6267 Old Water Oak Road, Suite 203 on July 19, 2018 at 10:00 AM at the Front TENNESSEE. SUBJECT TO TEN (10) FOOT www.rubinlublin.com/property-listings.php are not extinguished by this Foreclosure Sale. Tallahassee, Florida 32312 Steps of the Hamilton County Courthouse, ELECTRIC AND COMMUNICATIONS EASEMENT Tel: (877) 813-0992 THE PROPERTY IS SOLD WITHOUT ANY REPRE- PH: (850) 422-2520 Chattanooga, Tennessee , proceed to sell at AS SHOWN ON RECORDED PLAT. TWENTY-FOUR Fax: (404) 601-5846 SENTATIONS OR WARRANTIES, EXPRESSED OR FX: (850) 422-2567 public outcry to the highest and best bidder (24) FOOT AT&T EASEMENT AS SHOWN BY Ad #138638 IMPLIED, RELATING TO TITLE, MARKETABILITY PLG#18-003664 for cash or certified funds ONLY, the following DOTTED LINES ON RECORDED PLAT. RIGHT Jun. 22, 29, Jul. 6, 2018 Fnr19178 OF TITLE, POSSESSION, QUIET ENJOYMENT June 15, 22, 29, 2018 Fnr19215 described property situated in Hamilton County, TO REPURCHASE AND ACCESS, UTILITY AND OR THE LIKE AND FITNESS FOR A GENERAL Tennessee, to wit: DRAINAGE EASEMENT AGREEMENT AS SET NOTICE OF SUBSTITUTE TRUSTEES SALE OR PARTICULAR USE OR PURPOSE. The title NOTICE OF SUBSTITUTE TRUSTEES SALE IN THE SECOND CIVIL DISTRICT OF HAMIL- OUT IN INSTRUMENT RECORDED IN BOOK WHEREAS, default has occurred in the perfor- is believed to be good, but the undersigned WHEREAS, default has occurred in the TON COUNTY, TENNESSEE: LOT 50 (FIFTY), 6516, PAGE 672, IN THE REGISTER`S OFFICE mance of the covenants, terms and conditions will sell and convey only as Substitute Trustee. performance of the covenants, terms and WELLESLEY SUBDIVISION, UNIT II, PHASE OF HAMILTON COUNTY, TENNESSEE. GRANT OF of a Deed of Trust dated December 29, 2006, The right is reserved to adjourn the sale to conditions of a Deed of Trust dated June 2, II, AS SHOWN BY PLAT OF RECORD IN PLAT PRIVATE RIGHT-OF-WAY EASEMENT FOR TELE- executed by AMORA E. O`NEILL, RICHARD W. another time certain or to another day, time, 2006, executed by RHONDA M. MCFADDEN BOOK 80, PAGE 8, IN THE REGISTER`S OF- PHONE COMPANY PLANT BY CORPORATION O`NEILL, conveying certain real property therein and place certain, without further publication and TONEY MCFADDEN, conveying certain FICE OF HAMILTON COUNTY, TENNESSEE. CONVEYED BY CAPSTONE DEVELOPERS, LLC, described to TITLE INSURANCE COMPANY, as upon announcement on the day, time, and real property therein described to TITLE FOR PRIOR TITLE, SEE DEED RECORDED IN TO CENTURYTEL OF OOLTEWAH-COLLEGEDALE Trustee, as same appears of record in the place of sale set forth above or any subsequent GUARANTY AND TRUST, as Trustee, as same BOOK 7682, PAGE 374, IN THE REGISTER`S RECORDED IN BOOK 7256, PAGE 84, IN THE Register’s Office of Hamilton County, Ten- adjourned day, time, and place of sale. appears of record in the Register’s Office of OFFICE OF HAMILTON COUNTY, TENNESSEE. REGISTER`S OFFICE OF HAMILTON COUNTY, nessee recorded January 2, 2007, in Deed If you purchase a property at the foreclosure Hamilton County, Tennessee recorded June 8, THIS CONVEYANCE MADE SUBJECT TO THE TENNESSEE. BUILDING SETBACK REQUIRE- Book GI 8199, Page 481; and WHEREAS, the sale, the entire purchase price is due and 2006, in Deed Book GI 7971, Page 293; and FOLLOWING: DECLARATION OF RESTRICTIVE MENTS AS STIPULATED BY RECORDED PLAT. beneficial interest of said Deed of Trust was payable at the conclusion of the auction in the WHEREAS, the beneficial interest of said Deed COVENANTS FOR WELLESLEY SUBDIVISION TEN (10) FOOT FRONT YARD UTILITY EASEMENT last transferred and assigned to U.S. Bank form of a certified check made payable to or of Trust was last transferred and assigned to AS SET OUT IN INSTRUMENT RECORDED IN FOR THE INSTALLATION OF ELECTRIC, TELE- National Association, as Trustee, in trust for endorsed to Padgett Law Group. No personal HSBC Bank USA, National Association, as BOOK 6969, PAGE 975, IN THE REGISTER`S PHONE AND CABLE TV SERVICE LINES AS SET registered holders of First Franklin Mortgage checks will be accepted. To this end, you must Trustee, in trust for the registered holders of OFFICE OF HAMILTON COUNTY, TENNESSEE, OUT IN LEGEND ON RECORDED PLAT TEN (10) Loan Trust, Mortgage Loan Asset-Backed Cer- bring sufficient funds to outbid the lender and ACE Securities Corp. Home Equity Loan Trust, BUT OMITTING ANY COVENANT OR RESTRIC- FOOT REAR YARD UTILITY AND DRAINAGE EASE- tificates, Series 2007-FF2 who is now the owner any other bidders. Insufficient funds will not be Series 2006-FM2, Asset Backed Pass-Through TION BASED ON RACE, COLOR, RELIGION, SEX, MENT AS SET OUT IN LEGEND ON RECORDED of said debt; and WHEREAS, the undersigned, accepted. Amounts received, in excess of the Certificates who is now the owner of said debt; HANDICAP, FAMILIAL STATUS OR NATIONAL PLAT FIVE (5) FOOT SIDE YARD UTILITY AND Rubin Lublin TN, PLLC, having been appointed winning bid will be refunded to the successful and WHEREAS, the undersigned, Rubin Lublin ORIGIN UNLESS AND ONLY TO THE EXTENT DRAINAGE EASEMENT AS SET OUT IN LEGEND as Substitute Trustee by instrument to be filed purchaser at the time the foreclosure deed TN, PLLC, having been appointed as Substitute THAT SAID COVENANT (A) IS EXEMPT UNDER ON RECORDED PLAT. ANY GOVERNMENTAL for record in the Register’s Office of Hamilton is delivered. Trustee by instrument to be filed for record in CHAPTER 42, SECTION 3607, OF THE UNITED ZONING AND SUBDIVISION ORDINANCES IN County, Tennessee. NOW, THEREFORE, notice This property is being sold with the express the Register’s Office of Hamilton County, Ten- STATES CODE OR (B) RELATES TO HANDICAP EFFECT THEREON.SUBJECT TO ALL NOTES, is hereby given that the entire indebtedness June 29 - July 5, 2018 Public Notices Page 9 www.HamiltonCountyHerald.com

has been declared due and payable, and that County Courthouse, Chattanooga, Tennessee N AUSTIN AND BEATRICE L WOODWARD, OFFICE OF HAMILTON COUNTY, TENNESSEE: Being the same property conveyed to the undersigned, Rubin Lublin TN, PLLC, as , proceed to sell at public outcry to the highest TENANCY IN COMMON, DATED 8/26/2002 “EXCEPTING THE JOINT DRIVEWAY RUNNING Chase G. Cheeseman and Pam Dalzell by Substitute Trustee or his duly appointed agent, and best bidder for cash or certified funds ONLY, RECORDED ON 8/27/2002 IN BOOK 6347, ALONG THE WEST LINE OF SAID LOT.” deed from Kenneth Floyd Boles, of record by virtue of the power, duty and authority vested the following described property situated in PAGE 587 IN HAMILTON COUNTY RECORDS, Parcel ID: 1460-P-008 in Book 10106, Page 888, Register’s Of- and imposed upon said Substitute Trustee will, Hamilton County, Tennessee, to wit: STATE OF TENNESSEE. PROPERTY ADDRESS: The street address of fice for Hamilton County, Tennessee. Pam on July 19, 2018 at 10:00 AM at the Front LAND IN THE SECOND CIVIL DISTRICT OF Parcel ID: 117F A 006 the property is believed to be 1707 BENNETT Dalzell being one and the same person as Steps of the Hamilton County Courthouse, HAMILTON COUNTY, TENNESSEE, BEING LOT PROPERTY ADDRESS: The street address of AVE, CHATTANOOGA, TN 37404. Pamela J. Dalzell. Chattanooga, Tennessee , proceed to sell at NO. ONE (1) ON THE FINAL PLAT OF RESUBDIVI- the property is believed to be 941 RUNYAN In the event of any discrepancy between this Subject to all easements, restrictive cov- public outcry to the highest and best bidder SION OF LOT 1 OF GORRELL`S SUBDIVISION, DR, CHATTANOOGA, TN 37405. street address and the legal description of the enants and conditions, and other matters for cash or certified funds ONLY, the following OF RECORD IN PLAT BOOK 53, PAGE 119, In the event of any discrepancy between this property, the legal description shall control. of record, including all items set out on any described property situated in Hamilton County, REGISTER`S OFFICE FOR SAID COUNTY, TO street address and the legal description of the CURRENT OWNER(S): ESTATE AND/OR HEIRS applicable plat of record. Tennessee, to wit: WHICH PLAN REFERENCE IS HEREBY MADE property, the legal description shall control. AT LAW OF FRANCES E. BAULDING Parcel ID: 082L C 058 LOCATED IN THE SECOND CIVIL DISTRICT FOR A MORE COMPLETE DESCRIPTION. CURRENT OWNER(S): DANIELLE N DAVIS, MIKE OTHER INTERESTED PARTIES: Commonly known as 7411 S Dent Rd, OF HAMILTON COUNTY, TENNESSEE:LOT SUBJECT TO ALL EASEMENTS, RESTRICTIVE DAVIS, BEATRICE L. WOODWARD The sale of the above-described property shall Hixson, TN 37343 THREE (3), FINE ESTATES SUBDIVISION, AS COVENANTS AND CONDITIONS, AND OTHER OTHER INTERESTED PARTIES: be subject to all matters shown on any recorded The street address and parcel number(s) SHOWN BY PLAT OF RECORD IN PLAT BOOK MATTERS OF RECORD, INCLUDING ALL ITEMS The sale of the above-described property shall plat; any unpaid taxes; any restrictive cov- of the above described property are believed to 35, PAGE 25, IN THE REGISTER`S OFFICE OF SET OUT ON ANY APPLICABLE PLAT OF RECORD. be subject to all matters shown on any recorded enants, easements or set-back lines that may be correct; however, such references are not a HAMILTON COUNTY, TENNESSEE.SUBJECT Parcel ID: 09304202 plat; any unpaid taxes; any restrictive cov- be applicable; any prior liens or encumbrances part of the legal description of the property sold TO:ANY GOVERNMENTAL ZONING AND/OR PROPERTY ADDRESS: The street address of enants, easements or set-back lines that may as well as any priority created by a fixture filing; herein, and, in the event of any discrepancy, the SUBDIVISION ORDINANCE OR REGULATION the property is believed to be 5930 RAMSEY be applicable; any prior liens or encumbrances and to any matter that an accurate survey of legal description herein shall control IN EFFECT THEREON.RESTRICTIONS AS SET FORGEY RD, HARRISON, TN 37341. In the as well as any priority created by a fixture filing; the premises might disclose. This property is Current Owner(s) of Property: Chase G. OUT IN THAT INSTRUMENT RECORDED IN event of any discrepancy between this street and to any matter that an accurate survey of being sold with the express reservation that Cheeseman and Pam Dalzell BOOK 2713, PAGE 185, REGISTER`S OFFICE address and the legal description of the prop- the premises might disclose. This property is it is subject to confirmation by the lender or Other Interested Parties: Tennessee Housing OF HAMILTON COUNTY, TENNESSEE.PROVI- erty, the legal description shall control. being sold with the express reservation that Substitute Trustee. This sale may be rescinded Development Agency; Secretary of Housing SIONS AS SET OUT IN THAT INSTRUMENT CURRENT OWNER(S): THOMAS CLINTON SIM- it is subject to confirmation by the lender or at any time. The right is reserved to adjourn and Urban Development; Covington Credit; REGARDING SUBDIVISION PLATS OF RECORD MONS, WANDA SIMMONS Substitute Trustee. This sale may be rescinded the day of the sale to another day, time, and Atlantic Credit & Finance Special Finance IN BOOK 2116, PAGE 186, REGISTER`S OFFICE OTHER INTERESTED PARTIES: at any time. The right is reserved to adjourn place certain without further publication, upon Unit, LLC (ACF). OF HAMILTON COUNTY, TENNESSEE.TWENTY The sale of the above-described property shall the day of the sale to another day, time, and announcement at the time and place for the This sale is subject to tenant(s)/occupant(s) (20) FOOT UTILITY EASEMENT AS SHOWN ON be subject to all matters shown on any recorded place certain without further publication, upon sale set forth above. All right and equity of re- rights in possession. RECORDED PLAT. plat; any unpaid taxes; any restrictive cov- announcement at the time and place for the demption, statutory or otherwise, homestead, This sale is subject to all matters shown Parcel ID: 085E-A-033.00 enants, easements or set-back lines that may sale set forth above. All right and equity of re- and dower are expressly waived in said Deed on any applicable recorded plat; any unpaid PROPERTY ADDRESS: The street address be applicable; any prior liens or encumbrances demption, statutory or otherwise, homestead, of Trust, and the title is believed to be good, taxes; any restrictive covenants, easements, of the property is believed to be 7128 FINE as well as any priority created by a fixture filing; and dower are expressly waived in said Deed but the undersigned will sell and convey only or setback lines that may be applicable; LANE, HARRISON, TN 37341. In the event of and to any matter that an accurate survey of of Trust, and the title is believed to be good, as Substitute Trustee. The Property is sold any statutory rights of redemption of any any discrepancy between this street address the premises might disclose. This property is but the undersigned will sell and convey only as as is, where is, without representations or governmental agency, state or federal; any and the legal description of the property, the being sold with the express reservation that Substitute Trustee. The Property is sold as is, warranties of any kind, including fitness for a prior liens or encumbrances as well as any legal description shall control. it is subject to confirmation by the lender or where is, without representations or warranties particular use or purpose. priority created by a fixture filing; and to any CURRENT OWNER(S): AMORA E. O`NEILL, Substitute Trustee. This sale may be rescinded of any kind, including fitness for a particular THIS LAW FIRM IS ATTEMPTING TO COLLECT A matter that an accurate survey of the prem- RICHARD W. O`NEILL at any time. The right is reserved to adjourn use or purpose. DEBT. ANY INFORMATION OBTAINED WILL BE ises might disclose. In addition, the following OTHER INTERESTED PARTIES: CENTER FOR the day of the sale to another day, time, and THIS LAW FIRM IS ATTEMPTING TO COLLECT A USED FOR THAT PURPOSE. parties may claim an interest in the above- COMPREHENSIVE MEDICINE, MIDLAND place certain without further publication, upon DEBT. ANY INFORMATION OBTAINED WILL BE Rubin Lublin TN, PLLC, Substitute Trustee referenced property: Chase G. Cheeseman FUNDING LLC, AS ASSIGNEE OF “PROVIDIAN”, announcement at the time and place for the USED FOR THAT PURPOSE. 119 S. Main Street, Suite 500 and Pamela J. Dalzell; Tennessee Housing Mortgage Electronic Registration Systems, Inc. sale set forth above. All right and equity of re- Rubin Lublin TN, PLLC, Substitute Trustee Memphis, TN 38103 Development Agency; Secretary of Housing as nominee for FIRST FRANKLIN A DIVISION demption, statutory or otherwise, homestead, 119 S. Main Street, Suite 500 www.rubinlublin.com/property-listings.php and Urban Development; Covington Credit; OF NATIONAL CITY BANK and dower are expressly waived in said Deed Memphis, TN 38103 Tel: (877) 813-0992 Atlantic Credit & Finance Special Finance The sale of the above-described property shall of Trust, and the title is believed to be good, www.rubinlublin.com/property-listings.php Fax: (404) 601-5846 Unit, LLC (ACF). be subject to all matters shown on any recorded but the undersigned will sell and convey only Tel: (877) 813-0992 Ad #139347 If the United States or the State of Tennes- plat; any unpaid taxes; any restrictive cov- as Substitute Trustee. The Property is sold Fax: (404) 601-5846 June 22, 29, July 6, 2018 Fnr19218 see have any liens or claimed lien(s) on the enants, easements or set-back lines that may as is, where is, without representations or Ad #139329 Property, and are named herein as interested be applicable; any prior liens or encumbrances warranties of any kind, including fitness for a June 22, 29, July 6, 2018 Fnr19217 NOTICE OF SUBSTITUTE TRUSTEE`S SALE parties, timely notice has been given to the as well as any priority created by a fixture filing; particular use or purpose. WHEREAS, default has occurred in the applicable governmental entity, and the sale will and to any matter that an accurate survey of THIS LAW FIRM IS ATTEMPTING TO COLLECT A NOTICE OF SUBSTITUTE TRUSTEES SALE performance of the covenants, terms, and be subject to any applicable rights of redemption the premises might disclose. This property is DEBT. ANY INFORMATION OBTAINED WILL BE WHEREAS, default has occurred in the perfor- conditions of a Deed of Trust dated November held by the entity as required by 26 U.S.C. § being sold with the express reservation that USED FOR THAT PURPOSE. mance of the covenants, terms and conditions 15, 2013, executed by Chase G. Cheeseman, 7425 and/or Tennessee Code § 67-1-1433. it is subject to confirmation by the lender or Rubin Lublin TN, PLLC, Substitute Trustee of a Deed of Trust dated August 12, 2005, an unmarried man and Pamela J. Dalzell, an All right and equity of redemption, statu- Substitute Trustee. This sale may be rescinded 119 S. Main Street, Suite 500 executed by FRANCES E. BAULDING, convey- unmarried woman, to Charles E. Tonkin, II, tory and otherwise, homestead, and dower at any time. The right is reserved to adjourn Memphis, TN 38103 ing certain real property therein described to Trustee, for Mortgage Electronic Registration are expressly waived in said Deed of Trust, the day of the sale to another day, time, and www.rubinlublin.com/property-listings.php CHARLES E. TONKIN II, as Trustee, as same Systems, Inc. as a nominee for Mortgage In- and the title is believed to be good; however, place certain without further publication, upon Tel: (877) 813-0992 appears of record in the Register’s Office of vestors Group, its successors and assigns, and the undersigned will sell and convey only as announcement at the time and place for the Fax: (404) 601-5846 Hamilton County, Tennessee recorded August appearing of record on November 21, 2013, Substitute Trustee. sale set forth above. All right and equity of re- Ad #139039 18, 2005, in Deed Book GI 7644, Page 968; and in the Register’s Office of Hamilton County, The transfer shall be AS IS, WHERE IS, AND demption, statutory or otherwise, homestead, June 22, 29, July 6, 2018 Fnr19204 WHEREAS, the beneficial interest of said Deed Tennessee, at Book GI 10106 Page 890 and WITH ALL FAULTS, and without warranties of any and dower are expressly waived in said Deed of Trust was last transferred and assigned to Instrument Number 2013112100065. kind, express or implied, as to the condition of Trust, and the title is believed to be good, NOTICE OF SUBSTITUTE TRUSTEES SALE Nationstar Mortgage LLC d/b/a Mr. Cooper who WHEREAS, the beneficial interest of said of the Property and the improvements located but the undersigned will sell and convey only WHEREAS, default has occurred in the perfor- is now the owner of said debt; and WHEREAS, Deed of Trust was last transferred and assigned thereon, including merchantability or fitness as Substitute Trustee. The Property is sold mance of the covenants, terms and conditions the undersigned, Rubin Lublin TN, PLLC, hav- to Tennessee Housing Development Agency, for particular purpose. Trustee shall make no as is, where is, without representations or of a Deed of Trust dated June 12, 2008, ing been appointed as Substitute Trustee by the party entitled to enforce said security covenant of seisin or warranty of title, express warranties of any kind, including fitness for a executed by DANIELLE N DAVIS, MIKE DAVIS, instrument to be filed for record in the Register’s interest; and having appointed Clear Recon or implied, and will sell and convey the subject particular use or purpose. BEATRICE L. WOODWARD, conveying certain Office of Hamilton County, Tennessee. NOW, LLC, the undersigned, as Substitute Trustee real property by Substitute Trustee’s Deed only. THIS LAW FIRM IS ATTEMPTING TO COLLECT real property therein described to BRENDA J THEREFORE, notice is hereby given that the by instrument filed or being filed for record The right is reserved to adjourn the day A DEBT. ANY INFORMATION OBTAINED WILL HYDE, as Trustee, as same appears of record entire indebtedness has been declared due in the Register’s Office of Hamilton County, of the sale to another day, time, and place BE USED FOR THAT PURPOSE. in the Register’s Office of Hamilton County, and payable, and that the undersigned, Rubin Tennessee, with all of the rights, powers, and certain without further publication, upon an- Rubin Lublin TN, PLLC, Substitute Trustee Tennessee recorded June 13, 2008, in Deed Lublin TN, PLLC, as Substitute Trustee or his privileges of the original Trustee named in said nouncement at the time and place for the sale 119 S. Main Street, Suite 500 Book GI 8691, Page 126; and WHEREAS, the duly appointed agent, by virtue of the power, Deed of Trust. set forth above. Memphis, TN 38103 beneficial interest of said Deed of Trust was duty and authority vested and imposed upon NOW, THEREFORE, notice is hereby given This property is being sold with the express www.rubinlublin.com/property-listings.php last transferred and assigned to Bayview Loan said Substitute Trustee will, on July 19, 2018 that the entire indebtedness has been declared reservation that the sale is subject to confirma- Tel: (877) 813-0992 Servicing, LLC, a Delaware Limited Liability at 10:00 AM at the Front Steps of the Hamilton due and payable as provided in said Deed of tion by the lender or trustee. This sale may be Fax: (404) 601-5846 Company who is now the owner of said debt; County Courthouse, Chattanooga, Tennessee , Trust, and that the undersigned, Clear Recon rescinded by the Substitute Trustee at any time. Ad #138705 and WHEREAS, the undersigned, Rubin Lublin proceed to sell at public outcry to the highest LLC, as Substitute Trustee or his duly appointed THIS OFFICE IS ACTING AS A DEBT COLLECTOR June 22, 29, July 6, 2018 Fnr19185 TN, PLLC, having been appointed as Substitute and best bidder for cash or certified funds ONLY, agent, by virtue of the power, duty, and author- AND IS ATTEMPTING TO COLLECT A DEBT. ANY Trustee by instrument to be filed for record in the following described property situated in ity vested and imposed upon said Substitute INFORMATION OBTAINED WILL BE USED FOR NOTICE OF SUBSTITUTE TRUSTEES SALE the Register’s Office of Hamilton County, Ten- Hamilton County, Tennessee, to wit: Trustee will, on July 12, 2018, at 10:00 AM, THAT PURPOSE. WHEREAS, default has occurred in the perfor- nessee. NOW, THEREFORE, notice is hereby LOT NUMBER THIRTEEN (13), BLOCK NUMBER local time, at the West Door of the Hamilton Clear Recon LLC mance of the covenants, terms and conditions given that the entire indebtedness has been THIRTY-SEVEN (37), MONTAGUE`S ADDITION County Courthouse, located in Chattanooga, Substitute Trustee of a Deed of Trust dated September 13, 2013, declared due and payable, and that the under- NUMBER FOUR (4) TO HIGHLAND PARK, AS Tennessee, proceed to sell at public outcry to 5751 Uptain Road executed by THOMAS CLINTON SIMMONS, signed, Rubin Lublin TN, PLLC, as Substitute SHOWN BY PLAT OF RECORD IN PLAT BOOK 6, the highest and best bidder for cash or certified Suite 514 WANDA SIMMONS, conveying certain real Trustee or his duly appointed agent, by virtue PAGE 73, IN THE REGISTER`S OFFICE OF HAM- funds ONLY, the following described property Chattanooga, Tennessee 37411 property therein described to REALTY TITLE & of the power, duty and authority vested and ILTON COUNTY, TENNESSEE. TOGETHER WITH situated in Hamilton County, to wit: Phone: (877) 319-8840 ESCROW SERVICES INC, as Trustee, as same imposed upon said Substitute Trustee will, SUCH RIGHTS AS ARE APPURTENANT THERETO The land referred to herein below is situated File No: 1292-460A appears of record in the Register’s Office of on July 19, 2018 at 10:00 AM at the Front BY VIRTUE OF THE FOLLOWING LANGUAGE AP- in the County of Hamilton, State of Tennes- June 22, 29, July 6, 2018 Fnr19221 Hamilton County, Tennessee recorded Septem- Steps of the Hamilton County Courthouse, PEARING IN DEED OF RECORD IN BOOK E, VOL. see, and is described as follows: ber 16, 2013, in Deed Book GI 10059, Page Chattanooga, Tennessee , proceed to sell at 19, PAGE 651, IN THE REGISTER`S OFFICE OF Land in the Second Civil District of Hamilton NOTICE OF SUBSTITUTE TRUSTEE`S SALE 613; and WHEREAS, the beneficial interest of public outcry to the highest and best bidder HAMILTON COUNTY, TENNESSEE: “....RESERV- County, Tennessee, being more particularly WHEREAS, default has occurred in the said Deed of Trust was last transferred and for cash or certified funds ONLY, the following ING, HOWEVER, THE RIGHT OF EGRESS AND described as follow: performance of the covenants, terms, and assigned to LakeView Loan Servicing, LLC. who described property situated in Hamilton County, INGRESS TO THE OWNERS AND OCCUPANTS BEGINNING at a point on the west line of conditions of a Deed of Trust dated November is now the owner of said debt; and WHEREAS, Tennessee, to wit: OF LOTS NOS. 13 AND 14 IN BLOCK NO. 37 OF South Dent Road, 551.3 feet southwardly 5, 2009, executed by Randall R. Quarles, the undersigned, Rubin Lublin TN, PLLC, having ALL THAT CERTAIN PARCEL/UNIT OF LAND SAID ADDITION OVER A STRIP FIVE FEET WIDE from its intersection with Danbridge Drive; unmarried, to Charles E Tonkin, II, Trustee, for been appointed as Substitute Trustee by instru- IN THE CITY OF CHATTANOOGA, HAMILTON EXTENDING FROM THE PROPERTY LINES ON THENCE North 80 degrees 48 minutes Mortgage Electronic Registration Systems, ment to be filed for record in the Register’s COUNTY, STATE OF TENNESSEE, AS MORE BENNETT AVENUE NORTHWARDLY ALONG THE West, 129.4 feet to a point; THENCE South Inc., as nominee for Mortgage Investors Office of Hamilton County, Tennessee. NOW, FULLY DESCRIBED IN BOOK 6347, PAGE EAST LINE OF LOT 14 A DISTANCE OF ABOUT 75 11 degrees 29 minutes West, 110.0 feet Group, its successors and assigns, and appear- THEREFORE, notice is hereby given that the 587 ID#117F-A-006, BEING KNOWN AND FEET.” REFERENCE IS MADE FOR PRIOR TITLE to a point; THENCE South 80 degrees 48 ing of record on November 10, 2009, in the entire indebtedness has been declared due DESIGNATED AS LOT 3, BLOCK A SUBURBAN TO DEED OF RECORD IN BOOK 5679, PAGE minutes East 133.7 feet to a point in the Register’s Office of Hamilton County, Tennes- and payable, and that the undersigned, Rubin ESTATES NO. TWO(2) FILED IN PLAT BOOK 348, IN THE REGISTER`S OFFICE OF HAMILTON west line of South Dent Road; THENCE North see, at Instrument Number 2009111000178, Lublin TN, PLLC, as Substitute Trustee or his 930 PAGE 359. BEING THE SAME FEE SIMPLE COUNTY, TENNESSEE. COMMONLY KNOWN 09 degrees 14 minutes East, along the west Deed Book GI 9054 Page 517. duly appointed agent, by virtue of the power, PROPERTY CONVEYED BY QUIT CLAIM DEED AS 1707 BENNETT AVENUE, CHATTANOOGA, line of South Dent Road, 110.0 feet to the WHEREAS, the beneficial interest of said duty and authority vested and imposed upon FROM DANIELLE N AUSTIN, AS SOLE HEIR TN 37404. SUBJECT TO THE FOLLOWING Point of Beginning; being known as Lot No. Deed of Trust was last transferred and assigned said Substitute Trustee will, on July 19, 2018 AT LAW OF KAREN W HARVEY ALSO KNOWN LANGUAGE APPEARING IN DEED OF RECORD Seven (7) of the Charles C. Huff Tract on Continued on page 10 at 10:00 AM at the Front Steps of the Hamilton AS KAREN AUSTIN, DECEASED TO DANIELLE IN BOOK 919, PAGE 355, IN THE REGISTER`S Dent Road, plat of which is unrecorded. Page 10 Public Notices June 29 - July 5, 2018 www.HamiltonCountyHerald.com Foreclosure Notices by deed from Mark Siniard a/k/a Mark A. certain without further publication, upon an- Current Owner(s) of Property: Calvin Richard N.A., its successors and assigns. Continued from page 9 Siniard and spouse Elaine Siniard, dated nouncement at the time and place for the sale Arnold The following real estate located in Hamilton 11/5/09, recorded on 11/10/09, at In- set forth above. The street address of the above described County, Tennessee, will be sold to the highest to TENNESSEE HOUSING DEVELOPMENT strument No. 2009111000177, in Book GI This property is being sold with the express property is believed to be 4130 Sunset Ave, call bidder: AGENCY, the party entitled to enforce said 9054, Page 515, in the Register of Deeds reservation that the sale is subject to confirma- Chattanooga, Tennessee 37411, but such Described property located at Hamilton security interest; and having appointed Clear Office for Hamilton County, Tennessee. tion by the lender or trustee. This sale may be address is not part of the legal description of County, Tennessee, to wit: Recon LLC, the undersigned, as Substitute Parcel ID: 156E L 006 rescinded by the Substitute Trustee at any time. the property sold herein and in the event of Situate and being in the City of Chattanooga, Trustee by instrument filed or being filed for Commonly known as 3234 Navajo Drive, THIS OFFICE IS ACTING AS A DEBT COLLECTOR any discrepancy, the legal description herein County of Hamilton, State of Tennessee, record in the Register’s Office of Hamilton Chattanooga, TN 37411 AND IS ATTEMPTING TO COLLECT A DEBT. ANY shall control. to wit: County, Tennessee, with all of the rights, The street address and parcel number(s) INFORMATION OBTAINED WILL BE USED FOR This sale is subject to, without limitation, all Being Lot Eleven (11), Block 9 (9), Boulevard powers, and privileges of the original Trustee of the above described property are believed THAT PURPOSE. matters shown on any applicable recorded plat; Park Addition, as shown by plat recorded in named in said Deed of Trust. to be correct; however, such references are not Clear Recon LLC any unpaid taxes; any restrictive covenants, Plat Book 5, Page 50, in the Register’s Office NOW, THEREFORE, notice is hereby given a part of the legal description of the property Substitute Trustee easements, or setback lines that may be ap- of Hamilton County, Tennessee. that the entire indebtedness has been declared sold herein, and, in the event of any discrep- 5751 Uptain Road plicable; any statutory right of redemption of any Subject to restrictions as set out in instru- due and payable as provided in said Deed of ancy, the legal description herein shall control Suite 514 governmental agency, state or federal; any prior ment recorded in Book T, Volume 14, page Trust, and that the undersigned, Clear Recon Current Owner(s) of Property: Randall Chattanooga, Tennessee 37411 liens or encumbrances including those created 102, as modified in Book 1012, Page 137, LLC, as Substitute Trustee or his duly appointed R. Quarles Phone: (877) 319-8840 by a fixture filing or any applicable homeowners’ in the Register’s Office of Hamilton County, agent, by virtue of the power, duty, and author- Other Interested Parties: Estate of Randall File No: 1292-568A association dues or assessments; all claims or Tennessee. ity vested and imposed upon said Substitute R. Quarles; Heir(s) of Randall R. Quarles, if June 22, 29, July 6, 2018 Fnr19220 other matters, whether of record or not, which Being the same property conveyed to Ernest Trustee will, on July 12, 2018, at 10:00 AM, any; Shanna Quarles; Daniel Quarles; Discover may encumber the purchaser’s title and any Lebron Curd by Special Warranty Deed from local time, at the West Door of the Hamilton Bank; Cornerstone Community Bank, CACH, SUBSTITUTE TRUSTEE’S SALE matter that an accurate survey of the premises AmSouth Bank, an Alabama corporation in County Courthouse, located in Chattanooga, LLC, Tennessee Housing Development Agency Sale at public auction will be on July 19, might disclose. Deed Book 8136, Page 634 in the Register’s Tennessee, proceed to sell at public outcry to This sale is subject to tenant(s)/ 2018 at 10:00AM local time, at the west door, The following parties may claim an interest Office for Hamilton County, Tennessee. the highest and best bidder for cash or certified occupant(s) rights in possession. Hamilton County Courthouse, 625 Georgia in the above-referenced property to be affected Street Address: 1600 East 48th St, Chat- funds ONLY, the following described property This sale is subject to all matters shown Ave., Chattanooga, Tennessee pursuant to by the foreclosure: any judgment creditor or tanooga, Tennessee 37407 situated in Hamilton County, to wit: on any applicable recorded plat; any unpaid Deed of Trust executed by Calvin Richard Arnold lien holder with an interest subordinate to the Secondary Property Address: Chattanooga The land referred to herein below is situated taxes; any restrictive covenants, easements, and Belinda A. Arnold, to First American Title said Deed of Trust or any party claiming by, Parcel Number: 168P F 018 in the County of Hamilton, State of Tennes- or setback lines that may be applicable; any Insurance Company, Trustee, as trustee for through, or under any of the foregoing. Such Current Owner(s) of Property: Ernest Leb- see, and is described as follows: statutory rights of redemption of any govern- Compass Mortgage, INc. on March 28, 2003 parties known to the Substitute Trustee may ron Curd IN THE SECOND CIVIL DISTRICT OF HAM- mental agency, state or federal; any prior liens at Book GI 6631, Page 911; conducted by include: None. The street address of the above described ILTON COUNTY, TENNESSEE: or encumbrances as well as any priority created Shapiro & Ingle, LLP, having been appointed Terms of Sale will be public auction, for property is believed to be 1600 East 48th St, Being a part of the Southeast Quarter of by a fixture filing; and to any matter that an ac- Substitute or Successor Trustee, all of record cash, free and clear of rights of homestead, Chattanooga, Tennessee 37407, but such Section Twenty-five (25), Township Two curate survey of the premises might disclose. in the Hamilton County Register’s Office. De- redemption and dower to the extent disclaimed address is not part of the legal description of (2), Range Four (4), West of the Basis Line, In addition, the following parties may claim an fault has occurred in the performance of the or inapplicable, and the rights of Calvin Richard the property sold herein and in the event of Ocoee District, and being more particularly interest in the above-referenced property: Ran- covenants, terms, and conditions of said Deed Arnold and Belinda A. Arnold, and those claim- any discrepancy, the legal description herein described as follows: Beginning at the inter- dall R Quarles; Estate of Randall R. Quarles; of Trust and the entire indebtedness has been ing through him/her/it/them. shall control. section of the southern line of Navajo Drive Heir(s) of Randall R. Quarles, if any; Shanna declared due and payable. Any right of equity of redemption, statutory This sale is subject to, without limitation, all and the western line of Donaldson Road; Quarles; Daniel Quarles; Discover Bank; Party Entitled to Enforce the Debt: JPM- and otherwise, and homestead are waived in matters shown on any applicable recorded plat; thence westwardly, along said southern Cornerstone Community Bank, CACH, LLC; organ Chase Bank, National Association, its accord with the terms of said Deed of Trust, any unpaid taxes; any restrictive covenants, line of Navajo Drive, 200 feet; thence at Tennessee Housing Development Agency. successors and assigns. and the title is believed to be good, but the easements, or setback lines that may be ap- right angles, southwardly 100 feet, more If the United States or the State of Tennes- The following real estate located in Ham- undersigned will sell and convey only as Sub- plicable; any statutory right of redemption of any or less, to the center line of a ditch; thence see have any liens or claimed lien(s) on the ilton County, Tennessee, will be sold to the stitute Trustee. governmental agency, state or federal; any prior eastwardly following the center line of said Property, and are named herein as interested highest call bidder: The right is reserved to adjourn the day liens or encumbrances including those created ditch to its intersection with the western parties, timely notice has been given to the ap- Described property located at Hamilton of the sale to another day, time, and place by a fixture filing or any applicable homeowners’ line of Donaldson Road; thence northwardly plicable governmental entity, and the sale will be County, Tennessee, to wit: certain without further publication, upon an- association dues or assessments; all claims or along said western line of Donaldson Road subject to any applicable rights of redemption Lot 1, SUNSET AVENUE SUBDIVISION, being nouncement at the time and place for the sale other matters, whether of record or not, which to the point of beginning. held by the entity as required by 26 U.S.C. § a revised subdivision of part of Lot A-2 and set forth above. If you purchase a property may encumber the purchaser’s title and any FOR PRIOR TITLE, see Deed from Thomas 7425 and/or Tennessee Code § 67-1-1433. Lot A-3, RESTRICTED MONTCREST SUBDIVI- at the foreclosure sale, the entire purchase matter that an accurate survey of the premises V. Price, Jr., unmarried and widower (Anna All right and equity of redemption, statu- SION, as shown on plat of record in Plat Book price is due and payable at the conclusion might disclose. Sue H. Price, deceased), to Mark Siniard, tory and otherwise, homestead, and dower 67, Page 5, in the Register’s Office, Hamilton of the auction in the form of a certified/ The following parties may claim an interest married, dated June 29, 1998 and recorded are expressly waived in said Deed of Trust, County, Tennessee, to which plat reference is bank check made payable to or endorsed in the above-referenced property to be affected in Book 5131, Page 473, in the Register’s and the title is believed to be good; however, hereby made for a more particular description to Shapiro & Ingle, LLP. No personal checks by the foreclosure: any judgment creditor or Office of Hamilton County, Tennessee, and the undersigned will sell and convey only as of said property. will be accepted. To this end, you must bring lien holder with an interest subordinate to the Quitclaim Deed from Jeanette D. Siniard Substitute Trustee. LESS AND EXCEPT that property conveyed to sufficient funds to outbid the lender and any said Deed of Trust or any party claiming by, to Mark A. Siniard dated March 8, 2001 The transfer shall be AS IS, WHERE IS, AND Eastern Tennessee Power Company by deed other bidders. Insufficient funds will not be through, or under any of the foregoing. Such and recorded in Book 5801, Page 977, in WITH ALL FAULTS, and without warranties of any recorded in Book X, Volume 10, page 216, accepted. Amounts received in excess of the parties known to the Substitute Trustee may the Register’s Office of Hamilton County, kind, express or implied, as to the condition in the said Register’s Office, but TOGETHER winning bid will be refunded to the successful include: Beneficial Tennessee, Inc. c/o Finkel- Tennessee. of the Property and the improvements located WITH the right of access to said property as purchaser at the time the foreclosure deed stein, Kern, Steinberg & Cunningham, Attys. THIS CONVEYANCE MADE SUBJECT TO thereon, including merchantability or fitness referenced in said deed. is delivered. Terms of Sale will be public auction, for THE FOLLOWING: for particular purpose. Trustee shall make no Being the same property conveyed by deed This property is being sold with the express cash, free and clear of rights of homestead, Any covenants, conditions, restrictions, covenant of seisin or warranty of title, express recorded in Book 5739, page 846, in the Reg- reservation that the sale is subject to confirma- redemption and dower to the extent disclaimed reservations or easements of record. Any or implied, and will sell and convey the subject ister’s Office of Hamilton County, Tennessee. tion by the lender or trustee. This sale may be or inapplicable, and the rights of Ernest Leb- governmental zoning and subdivision ordi- real property by Substitute Trustee’s Deed only. Street Address: 4130 Sunset Ave, Chat- rescinded only by the Substitute Trustee at any ron Curd, and those claiming through him/ nances in effect thereon. Being the same The right is reserved to adjourn the day tanooga, Tennessee 37411 time. If the Substitute Trustee rescinds the her/it/them. property conveyed to Randall R. Quarles of the sale to another day, time, and place Parcel Number: 157B G 053.01 sale, the purchaser shall only be entitled to a Any right of equity of redemption, statutory return of any money paid towards the purchase and otherwise, and homestead are waived in price and shall have no other recourse. Once accord with the terms of said Deed of Trust, the purchaser tenders the purchase price, the and the title is believed to be good, but the Substitute Trustee may deem the sale final in undersigned will sell and convey only as Sub- STATEWIDE CLASSIFIED ADS which case the purchaser shall have no remedy. stitute Trustee. The real property will be sold AS IS, WHERE The right is reserved to adjourn the day Reaching more than 979,000 Readers Every Week! IS, with no warranties or representations of of the sale to another day, time, and place For placement information, contact this newspaper’s classi ed advertising department. any kind, express or implied, including without certain without further publication, upon an- Auctions Help Wanted Health / Beauty limitation, warranties regarding condition of the nouncement at the time and place for the sale 389 Acres in Tracts *Hunting Cabin DENTAL INSURANCE. Call Physicians AWARD-WINNING DAILY POST- property or marketability of title. set forth above. If you purchase a property Recreational Paradise Online Absolute Mutual Insurance Company for details. ATHENIAN SEEKS EDITOR w/ 8 to This office may be a debt collector. This at the foreclosure sale, the entire purchase Auction Wet Mill Creek Rd Celina, TN NOT just a discount plan, REAL 10 years of newsroom experience, may be an attempt to collect a debt and any price is due and payable at the conclusion Bidding Ends July 19, 4 pm Bid at www. coverage for 350 procedures. 844-278- including reporter, section editor and/ information obtained may be used for that of the auction in the form of a certified/ eagleauctions.com Amonett’s Eagle 8285 or http://www.dental50plus.com/ or copy editor w/supervisor experience. purpose. bank check made payable to or endorsed Auction & Realty 931-526-5335 tnpress Ad# 6118 Ability to recruit, coach, manage, Shapiro & Ingle, LLP to Shapiro & Ingle, LLP. No personal checks and edit. Reply to jeff.schumacher@ Substitute Trustee will be accepted. To this end, you must bring dailypostathenian.com EOE/drug free GET THE WORD OUT about your next Help Wanted - Drivers 10130 Perimeter Parkway, Suite 400 sufficient funds to outbid the lender and any workforce. Charlotte, NC 28216 other bidders. Insufficient funds will not be auction! Save Time & $$$. One Call For Aviagen - Seeking qualified candidates

All. Your ad can appear in this newspaper w/ valid Class A CDL. Starting pay Phone: (704) 333-8107 accepted. Amounts received in excess of the + 93 other TN newspapers. For more info, w/ 3 yrs. verified driving experience RECRUITING HEADACHES? WE CAN Fax: (704) 333-8156 winning bid will be refunded to the successful contact this newspaper’s classified dept. $15.50 hr. Apply in person or contact Help! Advertise your job opening www.shapiro-ingle.com purchaser at the time the foreclosure deed or call 931-905-4465. Cindy Cox 423-447-7379 ccox@ in this newspaper +93 newspapers File No. 17-112752 is delivered. hubardbreedersusa.com EOE across the state of Tennessee One Call June 22, 29, July 6, 2018 Fnr19222 This property is being sold with the express / Email for All! Contact our classified reservation that the sale is subject to confirma- Cable / Satellite TV department or email bmoats@tnpress. SUBSTITUTE TRUSTEE’S SALE tion by the lender or trustee. This sale may be DISH TV $59.99 For190 Channels $14.95 Owner Operators, Drivers, Fleet Owners com Sale at public auction will be on July 17, 2018 rescinded only by the Substitute Trustee at any High Speed Internet. Free Installation, for DEDICATED Regional routes. Weekly at 12:00PM local time, at the west door, time. If the Substitute Trustee rescinds the Smart HD DVR Included, Free Voice Settlements. Minimum 12 months 48-53’ Hamilton County Courthouse, 625 Georgia sale, the purchaser shall only be entitled to a Wanted to Buy or Trade Remote. Some restrictions apply. Call tractor trailer experience. 800-832-7036 Ave., Chattanooga, Tennessee pursuant to return of any money paid towards the purchase 1-844-274-6074 ex 1626, [email protected]. www. FREON R12 WANTED: CERTIFIED Deed of Trust executed by Ernest Lebron Curd, price and shall have no other recourse. Once cwsdedicated.com BUYER will PAY CA$H for R12 cylinders to Mark Rosser, Trustee, as trustee for Mort- the purchaser tenders the purchase price, the or cases of cans. (312) 291-9169; www. SPECTRUM TRIPLE PLAY TV, Internet gage Electronic Registration Systems, Inc. as Substitute Trustee may deem the sale final in refrigerantfinders.com & Voice for $29.99 ea. 60 MB per second EXCELLENT HOMETIME OTR DRIVERS nominee for Aasent Mortgage Corporation on which case the purchaser shall have no remedy. speed. No contract or commitment. We Avg 2900 miles/week No Touch Freight October 21, 2008 at Book Gi 8792, Page 707, The real property will be sold AS IS, WHERE buy your existing contract up to $500! Home Weekends 615-792-6550 X1 Advertise Throughout Tennessee Instrument No. 2008110300152; conducted IS, with no warranties or representations of 1-855-710-8320 www.uts-tn.com United Transportation YOUR LOW COST ADVERTISING Solu- by Shapiro & Ingle, LLP, having been appointed any kind, express or implied, including without Services tion! One call & your 25 word ad will Substitute or Successor Trustee, all of record limitation, warranties regarding condition of the in the Hamilton County Register’s Office. De- property or marketability of title. DIRECTV SELECT PACKAGE! Over appear in 93 Tennessee newspapers fault has occurred in the performance of the This office may be a debt collector. This 150 Channels, ONLY $35/month (for 12 for $275/wk or 29 East TN newspapers www.tnadvertising.biz covenants, terms, and conditions of said Deed may be an attempt to collect a debt and any mos.) Order Now! Get a $100 AT&T Visa for $120/wk. Call this newspaper’s clas- of Trust and the entire indebtedness has been information obtained may be used for that Rewards Gift Card (some restrictions sified advertising dept. or go to www. declared due and payable. purpose. apply) CALL1-844-230-4803\ tnadvertising.biz. Party Entitled to Enforce the Debt: BankUnited, Shapiro & Ingle, LLP June 29 - July 5, 2018 Public Notices Page 11 www.HamiltonCountyHerald.com

Substitute Trustee the property is believed to be 3214 STAGE declared due and payable. created by a fixture filing or any applicable This office may be a debt collector. This may 10130 Perimeter Parkway, Suite 400 RUN DR, HIXSON, TN 37343. In the event of Party Entitled to Enforce the Debt: Wells homeowners’ association dues or assess- be an attempt to collect a debt and any informa- Charlotte, NC 28216 any discrepancy between this street address Fargo USA Holdings Inc., its successors and ments; all claims or other matters, whether tion obtained may be used for that purpose. Phone: (704) 333-8107 and the legal description of the property, the assigns. of record or not, which may encumber the Shapiro & Ingle, LLP Fax: (704) 333-8156 legal description shall control. The following real estate located in Ham- purchaser’s title and any matter that an ac- Substitute Trustee www.shapiro-ingle.com CURRENT OWNER(S): BRADLEY D CHURCH, ilton County, Tennessee, will be sold to the curate survey of the premises might disclose. 10130 Perimeter Parkway, Suite 400 File No. 18-115306 CRISTAL MCMILLIAN CHURCH highest call bidder: The following parties may claim an interest Charlotte, NC 28216 June 22, 29, July 6, 2018 Fnr19223 OTHER INTERESTED PARTIES: SECRETARY OF Described property located at Hamilton in the above-referenced property to be affected Phone: (704) 333-8107 HOUSING AND URBAN DEVELOPMENT, MAD- County, Tennessee, to wit: by the foreclosure: any judgment creditor or Fax: (704) 333-8156 NOTICE OF SUBSTITUTE TRUSTEES SALE DOX & ANDERSON, PLLC LAND REFERRED TO IN THIS COMMITMENT lien holder with an interest subordinate to the www.shapiro-ingle.com WHEREAS, default has occurred in the per- The sale of the above-described property shall IS DESCRIBED AS ALL THAT CERTAIN PROP- said Deed of Trust or any party claiming by, File No. 18-115850 formance of the covenants, terms and condi- be subject to all matters shown on any recorded ERTY SITUATED IN CITY OF CHATTANOOGA IN through, or under any of the foregoing. Such June 22, 29, July 6, 2018 Fnr19225 tions of a Deed of Trust dated May 28, 2008, plat; any unpaid taxes; any restrictive cov- THE COUNTY OF HAMILTON, AND STATE OF parties known to the Substitute Trustee may executed by BRADLEY D CHURCH, CRISTAL enants, easements or set-back lines that may TN AND BEING DESCRIBED IN A DEED DATED include: Midland Funding LLC as successor in NOTICE OF TRUSTEE’S SALE MCMILLIAN CHURCH, conveying certain real be applicable; any prior liens or encumbrances 08/09/2002 AND RECORDED 08/13/2002 interest to OneMain Fin Issue Trust 2014-1 c/o WHEREAS, default has occurred in the property therein described to EMMET JAMES as well as any priority created by a fixture filing; IN BOOK 6332 PAGE 524 AMONG THE LAND Finkelstein, Kern, Steinberg & Cunningham. performance of the covenants, terms, and HOUSE OR BILL R. MCMAUGHLIN, as Trustee, and to any matter that an accurate survey of RECORDS OF THE COUNTY AND STATE Terms of Sale will be public auction, conditions of a Deed of Trust Note dated July as same appears of record in the Register’s the premises might disclose. This property is SET FORTH ABOVE, AND REFERENCED AS for cash, free and clear of rights of home- 26, 2013, and the Deed of Trust of even date Office of Hamilton County, Tennessee recorded being sold with the express reservation that FOLLOWS: stead, redemption and dower to the extent securing the same, recorded July 29, 2013, May 30, 2008, in Deed Book GI 8678, Page it is subject to confirmation by the lender or THE EAST PART OF THE NORTH ONE-HALF OF disclaimed or inapplicable, and the rights of in Book No. GI 10019, at Page 827, in Office 139at Instrument Number 2008053000138; Substitute Trustee. This sale may be rescinded LOT NINE (9), BLOCK C. J.H. STREET TRACT Marshall Parks, and those claiming through of the Register of Deeds for Hamilton County, and WHEREAS, the beneficial interest of said at any time. The right is reserved to adjourn AS PER PLAT OF RECORD IN PLAT BOOK 13, him/her/it/them. Tennessee, executed by Robert K. Panahagahi Deed of Trust was last transferred and as- the day of the sale to another day, time, and PAGE 28 AND 29,IN THE REGISTER’S OFFICE Any right of equity of redemption, statutory and Helen J. Panahagahi, conveying certain signed to REGIONS BANK D/B/A REGIONS place certain without further publication, upon OF HAMILTON COUNTY, TENNESSEE, SAID and otherwise, and homestead are waived in property therein described to Northgate Title MORTGAGE who is now the owner of said announcement at the time and place for the PART OF SAID LOT IS MORE PARTICULARLY accord with the terms of said Deed of Trust, as Trustee for Mortgage Electronic Registration debt; and WHEREAS, the undersigned, Rubin sale set forth above. All right and equity of re- DESCRIBED AS FOLLOWS: BEGINNING AT A and the title is believed to be good, but the Systems, Inc., as nominee for Farmington Finan- Lublin TN, PLLC, having been appointed as demption, statutory or otherwise, homestead, POINT IN THE WESTERLY LINE OF FLORIDA undersigned will sell and convey only as cial Group, LLC, its successors and assigns; Substitute Trustee by instrument to be filed and dower are expressly waived in said Deed STREET FIVE HUNDRED (500) FEET, MORE Substitute Trustee. and the undersigned, Wilson & Associates, for record in the Register’s Office of Hamilton of Trust, and the title is believed to be good, OR LESS, SOUTH HUNT (OTIS) DRIVE; The right is reserved to adjourn the day P.L.L.C., having been appointed Successor County, Tennessee. NOW, THEREFORE, notice but the undersigned will sell and convey only THENCE SOUTH ALONG SAID WEST LINE FIF- of the sale to another day, time, and place Trustee by Caliber Home Loans, Inc.. is hereby given that the entire indebtedness as Substitute Trustee. The Property is sold TY (50) FEET; THENCE NORTHWESTWARDLY certain without further publication, upon an- NOW, THEREFORE, notice is hereby given has been declared due and payable, and that as is, where is, without representations or 60 FEET SOUTH OF THE NORTHEAST LINE nouncement at the time and place for the sale that the entire indebtedness has been declared the undersigned, Rubin Lublin TN, PLLC, as warranties of any kind, including fitness for a OF LOT 9, 160 FEET; THENCE ACROSS THE set forth above. If you purchase a property due and payable; and that an agent of Wilson & Substitute Trustee or his duly appointed agent, particular use or purpose. NORTH ONE HALF OF LOT 9, FIFTY (50) FEET; at the foreclosure sale, the entire purchase Associates, P.L.L.C., as Successor Trustee, by by virtue of the power, duty and authority vested THIS LAW FIRM IS ATTEMPTING TO COLLECT A THENCE SOUTHEASTWARDLY ALONG THE price is due and payable at the conclusion virtue of the power, duty, and authority vested in and imposed upon said Substitute Trustee will, DEBT. ANY INFORMATION OBTAINED WILL BE NORTHEAST LINE OF LOT 9, 156 FEET TO of the auction in the form of a certified/ and imposed upon said Successor Trustee, by on July 26, 2018 at 10:00 AM at the West USED FOR THAT PURPOSE. THE POINT OF BEGINNING. bank check made payable to or endorsed Caliber Home Loans, Inc., will, on August 23, Door of the Hamilton County Courthouse, 625 Rubin Lublin TN, PLLC, Substitute Trustee BEING THE SAME PROPERTY CONVEYED to Shapiro & Ingle, LLP. No personal checks 2018 on or about 10:00 AM, at the Hamilton Georgia Avenue, Chattanooga, TN 37402, pro- 119 S. Main Street, Suite 500 TO MARSHALL PARKS, UNMARRIED FROM will be accepted. To this end, you must bring County Courthouse, Chattanooga, Tennessee, ceed to sell at public outcry to the highest and Memphis, TN 38103 REX WHALEY AND NORMA WHALEY, WIFE IN sufficient funds to outbid the lender and any offer for sale certain property hereinafter best bidder for cash or certified funds ONLY, www.rubinlublin.com/property-listings.php DEED DATED 08/09/2002 AND RECORDED other bidders. Insufficient funds will not be described to the highest bidder FOR certified the following described property situated in Tel: (877) 813-0992 8/13/20021N BOOK 6332 AT PAGE 524, accepted. Amounts received in excess of funds paid at the conclusion of the sale, or Hamilton County, Tennessee, to wit: Fax: (404) 601-5846 HAMILTON COUNTY RECORDS. the winning bid will be refunded to the suc- credit bid from a bank or other lending entity LOT SIX (6), OLD STAGE RUN, PUD., PHASE Ad #139527 Street Address: 1343 Florida St, Chatta- cessful purchaser at the time the foreclosure pre-approved by the successor trustee. The ONE, AS SHOWN BY PLAT OF RECORD IN PLAT June 22, 29, July 6, 2018 Fnr19224 nooga, Tennessee 37421 deed is delivered. sale is free from all exemptions, which are BOOK 62, PAGE 367, IN THE REGISTER`S Parcel Number: 158B C 003.01 This property is being sold with the expressly waived in the Deed of Trust, said OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBSTITUTE TRUSTEE’S SALE Current Owner(s) of Property: Marshall express reservation that the sale is subject property being real estate situated in Hamilton TOGETHER WITH RIGHTS AND BENEFITS OF Sale at public auction will be on July 20, Parks, unmarried to confirmation by the lender or trustee. This County, Tennessee, and being more particularly OLD STAGE RUN RESTRICTIVE COVENANTS, 2018 at 10:00AM local time, at the west door, The street address of the above described sale may be rescinded only by the Substitute described as follows: CONDITIONS AND RESTRICTIONS OF RECORD Hamilton County Courthouse, 625 Georgia property is believed to be 1343 Florida St, Trustee at any time. If the Substitute Trustee LOCATED IN THE CITY OF CHATTANOOGA OF IN BOOK 5527, PAGE 958, IN THE REGISTER`S Ave., Chattanooga, Tennessee pursuant to Chattanooga, Tennessee 37421, but such rescinds the sale, the purchaser shall only HAMILTON COUNTY, TENNESSEE: Lot Five OFFICE OF HAMILTON COUNTY, TENNESSEE. Deed of Trust executed by Marshall Parks, to address is not part of the legal description of be entitled to a return of any money paid (5), C.B.L. Subdivision on North Concord SUBJECT TO ANY GOVERNMENTAL ZONING Brandon G. Polito, Trustee, as trustee for Wells the property sold herein and in the event of towards the purchase price and shall have no Street, as shown by plat of record in Plat AND SUBDIVISION ORDINANCES OR REGULA- Fargo Financial Tennessee 1, LLC on December any discrepancy, the legal description herein other recourse. Once the purchaser tenders Book 44, Page 290, in the Register’s Office TIONS IN EFFECT THEREON. SUBJECT TO RE- 26, 2007 at Book GI8561, Page 200, Instru- shall control. the purchase price, the Substitute Trustee of Hamilton County, Tennessee. SUBJECT STRICTIONS, EASEMENTS, REQUIREMENTS, ment No. 2008010400105; conducted by This sale is subject to, without limitation, all may deem the sale final in which case the To conditions and easements recorded in OBLIGATIONS, LIEN OF ASSESSMENTS, ETC., Shapiro & Ingle, LLP, having been appointed matters shown on any applicable recorded plat; purchaser shall have no remedy. The real Book 2116, Page 186, in the Register’s AS SET OUT IN OLD STAGE RUN RESTRICTIVE Substitute or Successor Trustee, all of record any unpaid taxes; any restrictive covenants, property will be sold AS IS, WHERE IS, with Office of Hamilton County, Tennessee. COVENANTS, CONDITIONS AND RESTRIC- in the Hamilton County Register’s Office. De- easements, or setback lines that may be ap- no warranties or representations of any kind, SUBJECT To limited access to Interstate TIONS OF RECORD IN BOOK 5527, PAGE 958, fault has occurred in the performance of the plicable; any statutory right of redemption of express or implied, including without limitation, 75, as set out in Deed Book 1420, Page IN THE REGISTER`S OFFICE OF HAMILTON covenants, terms, and conditions of said Deed any governmental agency, state or federal; any warranties regarding condition of the property Continued on page 20 COUNTY, TENNESSEE. SUBJECT TO RIGHTS, of Trust and the entire indebtedness has been prior liens or encumbrances including those or marketability of title. RESERVATIONS, RESTRICTIONS, CONDITIONS, STIPULATIONS, AND EASEMENTS AS SHOWN, DESCRIBED OR NOTED ON RECORDED PLATS OF OLD STAGE RUN SUBDIVISION OF RECORD IN PLAT BOOK 58, PAGE 101, PLAT BOOK 62, PAGE 367, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO RESERVATIONS AS OF RECORD IN BOOK 5616, PAGE 802, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO TEN (10) FOOT UTILITY, POWER AND COM- MUNICATION EASEMENT AS SHOWN ON PLAT OF RECORD IN PLAT BOOK 62, PAGE 367, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE.SUBJECT TO TWELVE (12) FOOT ACCESS EASEMENT AS SHOWN ON PLAT OF RECORD IN PLAT BOOK 62, PAGE 367, SAID REGISTER`S OFFICE AND AS RECORDED AT BOOK 2759, PAGE 934, 2759, PAGE 963, AND BOOK 2761, PAGE 592, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO FIFTY (50) FOOT ACCESS AND UTILITY EASEMENT AS SHOWN ON PLATS OF RECORD IN PLAT BOOK 39, PAGE 129, PLAT BOOK 58, PAGE 101, AND PLAT BOOK 62, PAGE 367, SAID REGISTER`S OFFICE, AND AS RECORDED IN BOOK 1896, PAGE 643, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO CONDITIONS AND EASEMENTS RECORDED IN BOOK 2116, PAGE 186, IN THE .REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. LACK OF EYE CONTACT IS A SIGN OF AUTISM. SUBJECT TO BUILDING SETBACK LINES AS Learn the others at autismspeaks.org/signs SHOWN, DESCRIBED OR NOTED OF LEGEND ON RECORDED PLAT.SUBJECT TO TEN (10) FOOT DRAINAGE EASEMENT AS SHOWN ON PLAT OF RECORD IN PLAT BOOK 62, PAGE 367, SAID REGISTER`S OFFICE. SUBJECT TO RIGHTS AND BENEFITS OF OLD STAGE RUN RESTRICTIVE COVENANTS, CONDITIONS AND RESTRICTIONS OF RECORD IN BOOK 5527, PAGE 958, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNESSEE. SUBJECT TO CONDITIONS SET OUT ON LEGEND OF PLAT. Parcel ID: 110D E 016 PROPERTY ADDRESS: The street address of 12 | June 29 – July 5, 2018 Hamilton County Herald www.hamiltoncountyherald.com State’s infrastructure systems are a problem shared across the state By Frank Daniels III federal government to make “With an average commute ered taxes on manufacturers. tinued robust federal spending sure that the utilitarian in- time of 24.5 minutes, there e net effect of the tax from the Highway Trust Fund. ough we often complain frastructure of modern life are few short drives to work in changes was to fund 962 road e Highway Trust Fund is about our government, we – roads, right of way, transit, Tennessee,” the organization and bridge projects across all funded by the federal gas tax, count on it every day, in large water safety and access to basic reported in August, “but travel 95 counties, while maintaining which has not been changed ways and small. telecommunications, including times are worst in the ring just the commitment that Tennes- since 1993, and the CBO proj- An example of a small way the internet – is sufficient to beyond the suburbs.” see does not go into debt to ects that the Highway Trust … potholes. Which don’t seem sustain the needs of citizens. Residents in the rural coun- fund road building and main- Fund’s revenues will be insuf- like a small issue after they In 2014, for example, ties that surround our four tenance. ficient to meet its obligations cause your tire(s) to blow out. federal, state and local govern- major cities spend 25 percent e tax increases also by 2021 Taking action ments spent $416 billion on more time commuting to work provided $70 million a year for In February, President Don- Elections are the events that infrastructure, according to the than their urban and suburban counties to invest in projects, ald Trump proposed a $200 allow citizens to turn their Congressional Budget Office neighbors. and $35 million annually for billion infrastructure spending complaints into action. ey (CBO). Rough roads, aging bridges, cities. plan that puts an emphasis on are our opportunity to effect Commuting to work and other needs e legislation also autho- increased funding from state change, or to support the status rized local governments to and local governments and Whether you live in a rural Counties across Tennes- raise local taxes to pay for tran- private investors. quo. county (over two-thirds of see are faced with a growing e 2018 elections are par- sit projects. In Nashville, for ex- e plan “addresses more Tennessee counties are con- backlog of transportation ample, voters decided in May than traditional infrastruc- ticularly important in Tennes- sidered rural), an urban county projects, estimated at $10 see. not to authorize more than $5 ture – like roads, bridges, (four or perhaps six counties), billion in January 2017. at billion in bonds to build transit and airports – but addresses Gov. Bill Haslam is ineligible or somewhere in between, backlog prompted the General for a third term; two-term U.S. system, which would include other needs like drinking and Tennesseans share a common Assembly to pass comprehen- a light rail system and tunnels wastewater systems, waterways, Senator Bob Corker has opted complaint – it takes too long to sive legislation that took effect to retire; and dozens of state under downtown. water resources, energy, rural drive to where we need go. in July. e revenue bonds would infrastructure, public lands, legislators made the decision ere is a lot of noise in the e IMPROVE Act (Im- that this would be their last have been financed by an in- veterans’ hospitals, and Brown- news about how bad traffic is proving Manufacturing, Public crease in the local option sales field and Superfund sites.” session in Nashville. Nashville, Memphis, Knoxville Roads and Opportunities) e 124-members of the and use tax, hotel occupancy e impact of the president’s and Chattanooga, but those raised taxes on gasoline, diesel tax, business tax and local rent- proposal on how much federal Tennessee Press Association, traffic woes are not unique and fuel, compressed natural gas like this newspaper, will be al car tax. funding will pay for Tennessee are felt far from city centers. and liquefied gas, and raised e passage of the IM- projects is uncertain. covering local elections as we ink Tennessee, a public fees on motor vehicle registra- PROVE Act reduced Tennes- 21st century highways do each cycle, but this year we policy nonprofit, concluded tions, including a new $100 fee are also working together to see’s reliance on federal fund- in its analysis of 2016 census for electric vehicles. ing to pay for transportation In the last century, infra- ask the candidates for state- data the time Tennesseans To compensate for the structure investment was wide-elected offices to share projects from about 55 percent spend commuting to work is a tax increases, the legislation of expenditures to about 47 focused on moving people, but their positions on issues of problem that extends beyond reduced the sales tax rate on today’s infrastructure must broad concern. percent of expenditures, but the borders of the state’s major food, established a phase out of the state is dependent on con- We count on our state and cities. the Hall income tax, and low- See INFRASTRUCTURE, page 13

ISSUES From page 5 ompetitive- economy. plenty of oth- politicians will take the pro- ness, we must I agree with the President er areas where ceeds and spend it somewhere bridges, we must make sure think strate- that our current system of fed- it applies as quickly. that our water systems are also gically about eral funding is inefficient, and well. One of But any private purchaser is brought up to standard. No improving our I know simply throwing more these is the going to have to get its invest- one really thinks of pipes connectivity. money at the problem will not much-dis- ment back, plus interest and a beneath our roads and build- While solve it. cussed area profit. ings until they burst. We must traditionally We must restructure the of public ere’s only one place that make those investments not infrastructure way federal highway projects infrastructure, is going to come from – TVA’s Marsha Blackburn Phil Bredesen only for their physical integ- refers to our are selected, maintained, and and we have electrical customers. at is, rity but also for their health highway system, broadband regulated. With the President’s a good example right here in you and me. aspects-making sure that lead is an increasingly important leadership, we will be more Tennessee. We have to start back at the and other contaminants are not component of connectivity. judicious in spending federal In his recent budget, Presi- beginning, buying that infra- entering our schools, business- Internet access is critical tax dollars, streamline the per- dent Trump proposed selling structure a second time, and es and homes. New materials to our 21st century economy. mitting process, and encourage off a part of the Tennessee will be doing so in our electric and technologies will allow for Lack of reliable internet access public-private partnerships. Valley Authority, TVA. bills for decades to come. Poli- more durable and streamlined is not just an inconvenience; it I will work with President His idea was to sell off the ticians play, electrical custom- infrastructure and we must not holds Tennesseans back. Trump every step of the way transmission assets – the ers pay. push off these projects. Doing Without access to reliable to advocate for Tennessee’s power lines and the substations So, Mr. President (and Mr. nothing puts our communi- internet, children are unable to roadways. – that Washington would then and Ms. Congress), let’s talk ties and our citizens in danger complete their homework as- I am committed to growing use for other expenses. is is about our real infrastructure – much like the danger our signments and our small busi- our economy and making life not entirely new with Trump, needs, but please remember: legislature put Tennessee in by nesses are unable to compete easier for Tennessee families. President Obama proposed “first of all do no harm.” not expanding Medicaid. e on a larger scale. As the Chair In the U.S. Senate, I will work something similar at one point. refusal of these funds has made of the Communications and to increase Tennesseans’ access But we Tennesseans have a Tennessee the per capita leader Technology Subcommittee, to broadband and work with lot of common sense and know in hospital closures. Expand- making broadband accessible is the President to restructure the that there is no such thing as a ing Medicaid would give life a top priority for me, and I am federal government’s infra- free lunch. Tennessee electric to these hospitals, making our working with members of both structure program. ratepayers have been paying to communities safer, healthier parties to advance legislation to Democrat build this electrical infrastruc- and more economically viable. this end. PHILIP BREDESEN ture for three-quarters of a One such piece of legisla- century. We’ve paid for it and it Every doctor learns the rule U.S. SENATE tion would require new federal works well. – reflected in the Hippocratic CANDIDATES highway projects to lay broad- When I worked as gover- Weekly Oath – to “first of all do no band infrastructure at the same nor recruiting jobs, one of our harm.” When you’re faced with time, conserving tax dollars competitive advantages was the Word a decision, it may be better while constructing critical availability of efficient, reli- Republican to take the conservative path, infrastructure. able power here in Tennessee, MARSHA BLACKBURN rather than risk causing more Last month, President thanks to TVA. PLAY Tennessee’s economy is di- harm through your interven- Trump unveiled his transporta- If politicians sell parts of rectly linked to our transporta- tion. tion and infrastructure initia- TVA to a private corporation, tion and infrastructure system, is is too good a rule to just tive to improve our nation’s here’s what happens: those and to maintain our economic leave to physicians. ere are www.hamiltoncountyherald.com Hamilton County Herald June 29 – July 5, 2018 | 13

BUSINESS From page 1 cal rock faces draped along a stretch of Appalachian Moun- Financial Focus tain Range and the Cumber- Stan Russell land Plateau, the Chattanooga [email protected] area has become a mecca for rock climbers, potentially giving Manning a steady fl ow of clients. When Manning later ran Work toward your into the founders of She Moves Mountains, an Oregon com- own financial pany that off ers rock climb- ing clinics for women, at the independence day Women’s Climbing Festival in We’re getting close to the Fourth of July, our national Chattanooga, she told them Independence Day.  is celebration may get you thinking of about her experience in Tu- the many freedoms you enjoy. But have you thought of what olumne and her desire to help you might need to do to attain fi nancial freedom? women climbers of all skills Your fi rst step is to defi ne what fi nancial independence levels broaden their abilities. signifi es to you. For many people, it means being able to “ e idea is to empower retire when they want to and to enjoy a comfortable re- women to pursue their own tirement lifestyle. So, if this is your vision as well, consider goals in climbing or whatever taking these steps: else with confi dence and know- Pay yourself fi rst how,” she says. If you wait until you have some extra money “lying After countless phone calls around” before you invest for retirement, you may never get and a trip to Oregon, Manning around to doing it. Instead, pay yourself fi rst.  is actual- and the founders of She Moves ly is not that hard to do, especially if you have a 401(k) or Mountains decided to open a other employer-sponsored retirement plan, because your Chattanooga-area location. contributions are taken directly from your paycheck, before “ e purpose of this busi- you even have the chance to spend the money. You can set ness is not to exclude men but up a similar arrangement with an IRA by having automatic to give opportunities to women Photograph by David Laprad contributions taken directly from your checking or savings who otherwise would not have Whitney Standifer, who runs the We Mean Business program, is the only transac- account. them,” she says. tional attorney on staff with Legal Aid of East Tennessee. Invest appropriately Manning’s enthusiasm and determination were in ample nessee, an unexpected source ey,” says Whitney Standifer, the Your investment decisions should be guided by your time supply. But there was a catch: of help. Known for providing business attorney at LAET who horizon, risk tolerance and retirement goals. If you deviate Since Manning wanted to part- civil legal assistance to low in- provides the services. “Part of from these guideposts – for instance, by taking on either too ner with a company in another come people, the fi rm’s mission that is being able to aff ord the much or too little risk – you may end up making decisions state but remain a separate statement actually declares that proper advisors. We Mean that aren’t right for you and that may set you back as you LLC, she faced several legal its purpose lies in “strengthen- Business takes down one of pursue your fi nancial independence. hurdles – and she didn’t have ing communities and changing those hurdles.” Avoid fi nancial “potholes” the knowledge she required to lives through quality legal Standifer is a diff erent kind  e road to fi nancial liberty will always be marked with leap over them. services.” of animal at LAET, which is potholes you should avoid. One such pothole is debt – the “I attempted to plug infor- In other words, LAET staff ed with lawyers who often higher your debt burden, the less you can invest for your mation into templates I had does not have to limit itself to spend their days in court advo- retirement. It’s not always easy to lower your debt load, but pulled off the internet but I was advocating for indigent people cating for clients. But her work do the best you can to live within your means. lost,” she says. “I was laying in sticky situations. Any legal as the fi rm’s only transactional A second pothole comes in the form of large, unexpected a shaky legal foundation that service that empowers the attorney is as essential to LAET short-term costs, such as a major home or auto repair or a eventually would have caused a community falls under the and the populations it serves as medical bill not fully covered by insurance. To avoid dipping severe headache.” broader scope of the fi rm’s call- the lawyer who fi ghts to stop into your long-term investments to pay for these short-term Well-heeled startups can ing – even transactional work. a landlord from unlawfully costs, try to build an emergency fund containing six months’ solve these issues with money We Mean Business, a booting a single mother out of to a year’s worth of living expenses, with the money kept in a and an attorney. But not Man- program launched at LAET in her apartment. liquid, low-risk account. ning, who’s currently surviving 2017, off ers just that to certain “Part of the conversation on $300 a week. underserved groups – namely about how We Mean Business Give yourself some wiggle room “I attempted to set up a con- women, minorities and veter- fi ts into Legal Aid had to do If you decide that to achieve fi nancial independence, you sultation with a small business ans who are trying to start or with our mission, which is must retire at 62 or you must buy a vacation home by the lawyer, and the fee for one develop a business but can’t helping impoverished clients beach, you may feel disappointed if you fall short of these hour was $250,” she says. “I can aff ord to pay an attorney to who end up in terrible situa- goals. But if you’re prepared to accept some fl exibility in barely aff ord to create my com- create the legal underpinnings. tions,” she says. “We want to your plans – perhaps you can work until 65 or just rent a pany much less pay that fee per “ ese are people who are stop those things from happen- vacation home for the summer – you may be able to earn hour to set up a contract with trying to enable themselves ing by creating opportunities a diff erent, but still acceptable, fi nancial freedom. And the other branch.” economically but are fi nding by working a couple of extra years or paying less for your Enter Legal Aid of East Ten- you need money to make mon- See BUSINESS, page 14 vacation home expenses, you may also improve your overall fi nancial picture. INFRASTRUCTURE From page 12 ported that over 800,000 Ten- Overshadowed Putting these and other moves to work can help you keep nesseans did not have access to moving toward your important goals. When you eventually include how well we move  e many other infrastruc- reach your own “Financial Independence Day,” it may not high-speed internet, and more ture needs in Tennessee are information. than 25 percent of households warrant a fi reworks display – but it should certainly add  e state Department of overshadowed by the huge some sparkle to your life. and businesses with access to investment in transportation Economic and Community some form of high-speed inter- Development reported in July … until they fail. How prepared Edward Jones, its employees and financial advisors cannot provide tax or legal net did not have high quality advice. You should consult your attorney or qualified tax advisor regarding 2016 that an assessment of are our political leaders for access. that? your situation. Tennessee businesses showed While only two percent of that 43 percent of net new jobs Let us know what issues are is article was written by Edward Jones for use by your local people living in urban areas did crucial to you. Edward Jones Financial Advisor (member SIPC). Contact Stan at and 66 percent of new reve- not have access to high quality [email protected]. nues were enabled by access to internet, 34 percent of rural Frank Daniels lives in broadband internet, and that residents did not have access. 34 percent of businesses said Clarksville. A former editor  e legislature enacted the and columnist, he is a member that access to broadband was Tennessee Broadband Acces- essential to choosing where of the N.C. Journalism Hall of sibility Act in May to improve Fame. He can be reached at they located. high speed internet access.  e ECD assessment also re- [email protected] 14 | June 29 – July 5, 2018 Hamilton County Herald www.hamiltoncountyherald.com

BUSINESS From page 13 three hours. “Whitney listened to every for people.” detail that crossed my mind Due to the complexity of the and asked all the right ques- “Savannah is bringing an amazing set of skills to her legal foundation that supports tions,” Manning says. business, but she’s also learning that owning a busi- most businesses, an attorney is As Standifer discussed a necessary component of any what needed to be done to get ness requires a whole additional skillset” commercial endeavor, Standif- Manning’s business off on the Whitney Standifer, business attorney at LAET er says. But people who are not right foot, Manning’s eyes were blessed with enough startup opened to how much she had capital to cover the cost of a overlooked. lawyer often try to navigate the While Manning could have legal minefield on their own. become overwhelmed, Stan- e results can be disastrous. difer assured her that her load “You’re looking at a lot of was actually going to become liability if you’re not properly lighter because of one simple formed,” Standifer says. “If fact: she now had a business something goes wrong, your attorney. personal assets could be on the “When I sit down with line.” someone and start going When Manning tried to through things, their eyes press forward on her own by always widen when they hear plugging information into the how much needs to be done,” templates she had downloaded, Standifer says. “But that’s she quickly realized she was always followed by a sense of alone in the dark without a relief. ose things are off their light. plate and on mine. ey get to “Savannah was trying to focus on their business.” use branding that’s not trade- While WMB does not cover marked or copyrighted and the fees required to establish a create a separate LLC,” Standif- business (Manning still had to er says. “at’s difficult to do. pay the fee to set up an LLC in She needed an attorney.” Tennessee), Standifer’s work When Manning learned is free. about WMB and met with What’s more, there are no Standifer for the first time, she limits to the services Standifer was moved to tears. provides. If a qualifying busi- “e amount of research ness needs an attorney to do Whitney had done and the something, she handles it. amount of the information “I do their formation, write she provided without much their contracts, compose their prompting blew me away,” operating agreements, review Manning says. “She made me their contracts from other realize how wrong I had been sources and look at their leas- in trying to do everything es,” Standifer says. “It’s a lot of myself. At some point, I would work, which is why needing an have run into a brick wall.” attorney can be cost prohibitive Manning thought she was to your success.” going to get an hour of Stan- Standifer always congrat- difer’s time. e meeting lasted Photograph provided

ulates her entrepreneurs on was thrilled to have more help. as part of a settlement with the LAW OFFICES what they have accomplished “I’m a bit of a procrastinator Department of Justice in 2014 on their own and then makes and take a lot of convincing to to resolve federal and state John T. Rice, P.C. sure they understand how wise do something, but whatever claims against the company. 147 North Market Street they were in seeking her help. Whitney recommends to me, I ese claims were related to Suite C “Savannah is bringing an jump right to it,” Manning says. the bank’s practices concerning Chattanooga, amazing set of skills to her “I believe she always has my Residential Mortgage-Backed TN 37405 business, but she’s also learning best interest in mind.” Securities, collateralized debt that owning a business requires Manning is not just grateful obligations and the underwrit- a whole additional skillset,” she for the help she’s received; she ing and origination of mortgage says. “She needs to make sure feels like she’s dodged a bullet. loans. Supreme Court her business is in compliance “Without this program, the Under the terms of the set- with federal and state laws and foundation for my business tlement, the bank agreed to pay Rule 31 that she’s shielded herself from would have consisted of doc- $7 billion in relief to struggling liability. She also has to sign uments and forms that were homeowners, borrowers and Mediator up for a smattering of business just plain wrong,” she says. communities affected by its taxes. “at would have come back to misconduct. “ere’s simply no way haunt me and perhaps been the e idea for WMB took for her to know if she’s done downfall of my company.” shape after Sheri Fox became everything she needs to do,” Program’s backstory executive director of LAET in Standifer says. “But I went to January 2016. While meeting law school; I was trained to do Small business owners aren’t with Chattanooga Mayor Andy the only ones who sometimes Fee: $250.00 an hour* this.” Berke and members of his staff In addition to providing need an infusion of cash. While about what Legal Aid could No Administrative Fees a business attorney, WMB LAET provides free legal ser- do to help the city grow and requires that entrepreneurs re- vices through its staff and the prosper, James McKissick, head outside attorneys who assist Phone: (423) 265-6828 *50% of all fees collected will ceive business counseling. is of Multicultural Affairs, told is provided through partner- clients on a pro bono basis, it Fox that many small business Fax: (423) 265-5738 be divided equally between: needs money to make this and Cell Phone: (423) 987-9925 ships with local organizations owners throughout the com- such as LAUNCH Chattanooga its various programs happen. munity needed help with legal E-mail for John T. Rice: e money for WMB [email protected] and the Small Business Devel- issues but could not afford an opment Center. trickled down to LAET from attorney. E-mail for Legal Assistant: a unique source: the pool of [email protected] Standifer referred Manning to someone at LAUNCH. She money Bank of America paid See BUSINESS, page 27 www.hamiltoncountyherald.com Hamilton County Herald June 29 – July 5, 2018 | 15

News and notes from the Greater Chattanooga REALTORS® Real Estate Pratt hosts sip, stroll for Women’s Council A little wine, a little networking and a lot of new construction drew members of the Women’s Council of Realtors to e Farm at Hampton Meadows in Ooltewah on the evening of June 21. Bill Panebianco of Pratt Home Builders hosted the event, which included not only wine but enough food to feed a small army, an opportunity for guests to pose for a free professional portrait, door prizes and tours of newly built Pratt homes. Realtors sipped wine, swapped business cards and drove golf carts through the development to view the homes. e WCR hosts Sip & Stroll events in the summer in- stead of its monthly networking luncheons. GREATERCHATTANOOGA REALTORS

Photograph by David Laprad Photo by Drew Beach Photography WCR President Debbie Radford and Coldwell Banker Pryor Realty agent 16 Susan Stout tour one of the new Pratt Home Builders houses. The Sip & Stoll gave Realtors an opportunity to meet people in related businesses and network. REALTOR ASSOCIATION PRESIDENT’S MESSAGE City Council moving forward with water quality fee hike Chattanooga City Council mem- test topics: housing affordability. water quality fees in Tennessee. Not bers on Tuesday passed the first Chattanooga’s continued growth only are the proposed fee increases reading of Chattanooga’s 2019 bud- can positively impact our city and its extreme, stakeholders were not made ® get, which includes a controversial residents, but only if growth is han- aware of or included in conversations increase in water quality fees for the dled responsibly and with integrity. regarding potential increases. next five years. For Chattanooga to continue thriv- I understand fees have not been Residents will notice an increase ing, it’s vital that there’s cooperation increased in some time, so they might on their tax bill beginning this Octo- and proper communication between be necessary to support Chatta- ber. e administration promised to Geoff Ramsey local stakeholders and the city of nooga’s growth. However, proper look at the water quality fee struc- Chattanooga. communication needs to happen first ture to see if it can be made fairer President, e 2019 budget for the city of so the city and its stakeholders can to people with lower incomes, and Greater Chattanooga REALTORS® Chattanooga includes stormwater do our due diligence to make sure fee low-income seniors participating in and land development fees that many increases is the best decision for our Chattanooga Realtors is committed the city’s tax relief program will be believe could be devastating for hous- city as well as its current and future to protecting current and future exempt from quality fees. ing affordability in our community. residents. home and business owners. Part of As the leading advocate for private Pending any surprise in next Tues- It’s likely that developers will seek that responsibility is protecting the property rights and housing issues day’s final vote by the City Council, opportunities outside Chattanooga dream of homeownership and paying in the Chattanooga region, Greater Chattanooga will have the highest close attention to one of today’s hot- See REALTORS, page 27

The Voice for Real Estate in Greater Chattanooga. Founded in 1912 2018 Board of Directors Commercial Council Northwest Georgia Council Robert Backer Ben Pitts Joanna Jackson Geoff Ramsey Becky Cope English PRESIDENT PRESIDENT PRESIDENT Dan Griess Kim Bass Joanna Jackson Russ Elliott Martha Alexander PRESIDENT-ELECT Steven LaMar Robert Fisher Chase Jolander Denise Murphy Vickie McBryar Brandi Pearl Thompson John Healy SECRETARY-TREASURER John Payne Steve Hunt Brandyn O’Dell Ben Pitts Jeff Jennings Ian O’Shea Barry Hamilton Robyn Ring Joe Pleva Clayton Taylor MLS CHAIRMAN Joyce Smith Bill Raines Mark Hite Ron Tucker IMMEDIATE PAST PRESIDENT Kevin Wamack Greater Chattanooga REALTORS® | 2963 Amnicola Hwy. | Chattanooga, TN 37406 | 423-698-8001 | Fax: 423-698-8004 | www.gcar.net 16

® | GREATERGREATER CHATTANOOGA CHATTANOOGA ASSOCIATION REALTORS OF REALTORS June 29–July5,2018

This bouquet of flowers was one of the many decorative touches that made the model house feel like a home. Brenda Pargeon WCR President DebbieRadford andCrye-Leike Real Estate Services agent Stroll tour. Oneof thePratt HomeBuilders houses ontheSip& Stroll Sip Continued frompage15

Photograph by David Laprad Photo by Drew Beach Photography ‘ n Photo by Drew Beach Photography at 8217 River Birch Loop. Just insidethePratt HomeBuilders model home Hamilton CountyHerald Photo by Drew Beach Photography Coldwell Banker Pryor Realty agentSusan Stout is ready to enjoy aglass of wine.

sional portrait. Pullen poses for aprofes- Realty agentRolanda Coldwell Banker Pryor Photograph by David Laprad houses onthe“stroll.” shuttle themselves between the two golfcarts to allow guests to Pratt HomeBuilders provided www.hamiltoncountyherald.com Photograph by David Laprad Photograph by David Laprad one lucky winner. goodies went to This basket of Photo by Drew Beach Photography www.hamiltoncountyherald.com Hamilton County Herald June 29 – July 5, 2018 | 17

The Critic’s Desire to age in place Corner By David Laprad more popular than ever [email protected]

● Older Chattanoogans largely Taller or elevated toilets prefer to stay in their homes ● Curb-less entry showers Fresh ideas seem to as they age rather than down- ● Widened hallways and sizing or relocating.  is is a doorways major driver in the continued ● Additional lighting to inte- have gone extinct in growth of aging-in-place re- rior and exterior areas modeling. Many of today’s most rep- ‘Jurassic World’  is technique involves Near the beginning of “Jurassic World: Fallen Kingdom,” a Jay Bell utable remodelers have gone making home modifi cations – vehicle carrying a handful of people across Isla Nublar stops the extra mile to refi ne the big or small – to help the home President, Home Builders so the occupants step out to take in what is intended to be Association of Greater Chattanooga craft of aging-in-place build- owner live safely in their home an awe-inspiring sight: a Brachiosaurus lumbering across the ing techniques by earning the for many years to come, espe- landscape. NAHB Certifi ed Aging in Place cially as they experience chang- While the desire for newer  e team, which is there to save the dinosaurs before a designation. es in their health or mobility. and better amenities and the volcano erupts and destroys the island, looks up in awe as the  is benchmark for home A recent survey of National need to repair or replace old soundtrack swells. Director J.A. Bayona is aping the classic builders, remodelers, occu- Association of Home Builders components still lead the list sequence in the original “Jurassic Park” in which Jeff Gold- pational therapists and other Remodelers found that among of reasons to remodel, the blum’s Ian Malcolm and the rest of the cast fi rst lay their health specialists certifi es that the reasons their clients are increased intrigue for aging-in- eyes on live dinosaurs. they are among the best in the requesting home remodeling place projects is notable, says But instead of hearing Michael Giacchino’s generic score, industry at identifying opportu- projects, the desire to age in NAHB economist Paul Emrath. my head was fi lled with the bluesy tones of B.B. King singing nities and integrating the latest place is quickly becoming one However, “the uptick is not “ e  rill is Gone.” products and designs to not of the most cited. entirely surprising given the  e scene is technically impressive. It’s been 25 years only enhance the safety of your When asked about the ongoing growth in the nation’s since director Steven Spielberg unleashed the fi rst fi lm in the current home but its long-term frequency of customers calling older population,” he adds. series, so it had better look good. But the moment lacks the value as well. to request aging-in-place home According to the remodelers freshness and magic of its progenitor. To learn more about aging- modifi cations, more than half who were surveyed, some of Similarly, “Fallen Kingdom” as a whole is visually striking in-place remodeling projects (52 percent) of the remodelers the aging-in-place remodeling and packed with action, but like the lumbering Brachiosau- and to fi nd a CAPS profession- said those calls occur “often” or projects that have increased in rus, its bones look tired and it just seems to be going through al in the Greater Chattanooga “very often.”  at portion has popularity the most in recent the motions. area, visit the Home Builders grown signifi cantly in recent years include: I’m surprised I felt this way while watching the fi lm Association of Greater Chat- years – up from 32 percent in ● because the story is precisely the one the series should be Grab bars in showers and tanooga at HBAGC.net or visit 2012. telling at this point: how the dinosaurs get off the island and near toilets www.nahb.org/caps. make their way to civilization. Picking up three years after the collapse of Jurassic World, “Fallen Kingdom” follows a team of experts and mercenaries NAR roundtable examines as they try to retrieve as many dinosaur species as possible before Isla Nublar goes kaboom.  e team includes Chris Pratt’s Owen Grady, a former stateWith America’s of homeown- Fannie,all bad news. Freddie ere have been Since reform the recession, two dinosaur trainer, and Bryce Dallas Howard’s Claire Dearing, ership rate struggling to match meaningful administrative im- administrations and multiple both of whom appeared in “Jurassic World.” Dropping them falling unemployment and in- provements that have made the congresses have worked to onto this powder keg is Benjamin Lockwood, the former creasing consumer confi dence, system safer and have advanced reshape the entities, which partner of John Hammond, creator of Jurassic Park. protecting the benefi ts of the the debate,” Boltansky said. have been productive but have It appears to be a mission of benevolence. But there’s secondary mortgage market “As a result, the broader ultimately failed to complete no animal as terrifying, destructive or persistent as human remains critical to the health of policy conversation has shifted the transition. greed, so this endeavor is doomed from the start. the overall housing industry. from a consideration of re- David Dworkin, president  at’s good news for audiences who are there for the  e National Association of making the mortgage fi nance and CEO of the National Hous- dinosaurs. Not only are there more species in “Fallen King- Realtors hosted a roundtable system to an acceptance that a ing Conference, commented on dom” than in any other installment, the computer animated event June 22 examining the package of narrower reforms the necessity, and correspond- eff ects and live action animatronics are extraordinary. scope and status of compre- could suffi ce. Eff ectively, we’ve ing complexity, of enacting Given how cheap the special eff ects in the Marvel fi lms hensive Government-Spon- gone from consideration of comprehensive housing fi nance look (a fact that seems to be lost on millions of people), it sored Enterprise reform, mod- tearing down the whole house reform. was a pleasure to see the results of the talent and hard work erated by Realtors Larry Black for a rebuild to the belief “Housing fi nance reform that must have been poured into “Fallen Kingdom.” and Seth Task, chair and vice that we should just tweak the remains the single largest  e dinosaurs look and move as realistically as I imagine chair of NAR’s Conventional house’s plumbing and do some unfi nished business of the one would, with their skin and muscles rippling, stretching Finance and Policy Committee. landscaping.” housing crisis.  e failure of and sagging in response to their actions.  ey might not be Isaac Boltansky, director of Fannie Mae and Freddie Fannie Mae and Freddie Mac, scarier or more breathtaking than Spielberg’s dinos, but it’s policy research with Compass Mac currently play a key role the taxpayer bailout and repay- hard to not be at least awestruck by the eye candy. OFF Point, opened the event. “It’s in the secondary mortgage ment that followed, and their I wish I could say the same thing about the action, which deplorable that Congress has market, which provides the unresolved conservatorship makes up the bulk of the fi lm. It’s fairly well thought out, left the GSEs in conservator- majority of capital for mortgage continue to demand fi nal res- with many scenes puttingSee Grady, it DearingSee andit othersSk ip it ship for 10 years, but it isn’t lending. During the housing fi - olution, even if Congress does through a series of escalatingNOW predicaments.LATER It’s kind of fun nance sector’s collapse, private not,” he said. watching things capital withdrew from the mar- “However, if we want a go from bad to ket. Without support from the mortgage fi nance system that worse, even APA OFF P HAULAWAY GSEs and the Federal Housing preserves the fundamental when there’s SERVICES Administration, the recession element that sets us apart from no way any HOMEOWNERS: PROFESSIONALS: could have been much worse. the rest of the world while human would •Junk Removal •Real Estate and However, GSEs also play a providing the only meaningful survive what See it See it Skip it •Garage Cleanouts Construction cleanup critical role in good economic wealth creation tool available they’re put NOW LATER •Estate Cleanouts •Appliance Disposal times. By providing liquid- to low- and moderate-income through. •Basement Cleanouts •Evictions ity and access to aff ordable Americans, then [mortgage But there are no defi ning set pieces in “Fallen Kingdom” •Yard Debris Removal •Event Clean Up And Much More! And Much More! mortgage fi nancing for credit fi nance reform is] going to be – nothing that’s on par with the appearance of the T-RexOFF in worthy borrowers, GSEs help a an incredibly complex exercise, the original fi lm or the trailer dangling over the edge of a cliff Call (423) 629-0700 broad swath of middle-income with enormous transition and in “ e Lost World.” Rather, the sense of the fi lmmakers go- or visit papaservices.com Americans achieve homeown- See CRITIC, page 26 We gladly accept VISA and Mastercard See NAR, page 18 See it See it ership. NOW LATER Skip it 18 | June 29 – July 5, 2018 Hamilton County Herald www.hamiltoncountyherald.com

ONE SIMPLE QUESTION CAN PERPETUATE OLD PROBLEMS How would you answer ‘how much do you make?’ Have you ever been asked, unfortunate circumstance, that protected by a rule that bans ask the company if they would “How much do you make?” in person will likely always be the question completely. feel comfortable sharing their a job interview?  is question underpaid going forward. Banning it puts the responsi- pay range with you.  is allows usually shows up during the Asking the question, “How bility back onto the company to the company to share their fi rst phone call. much do you make?” ensures decide what a particular role is salary instead. You’ve applied online.  e that your future salary is based worth to them. Alternatively, you can off er HR manager calls you.  e on your current salary. It forces the company to pay your target range. But, base this conversation seems normal at But, what if you’re switch- employees more fairly, based range on data. Scour websites fi rst. Career Corner ing between industries and on the work they produce like Glassdoor.com for as much “Why did you apply for this Angela Copeland, career coach one pays much higher sala- rather than their negotiation salary information as you can job?” they ask, and “tell me ries? What if you’re switching abilities. fi nd about your job. about yourself.”  en, all of the ployers from asking about between a higher-education job If you fi nd yourself being Pushing back on this ques- sudden, bam! “How much do salary history. and a corporate job? What if asked this question, do your tion helps guarantee that ev- you make?” Another variant: n In January 2018, Califor- you’re moving from an inex- homework. Before you’re asked eryone will be paid more fairly “How much have you made in nia banned questions around a pensive city in the middle of how much you make, know the going forward. the past?” candidate’s pay history. the country to a pricey city on response you want to give.  ese questions are tough, n In July 2018, Massachu- the coast?  e less you need the job, Angela Copeland, a career and they have more of an infl u- setts will join suit. Once you’re behind in salary the riskier you can be with your coach and founder of Copeland ence on your future than you n In 2019, Oregon will ban negotiations, you will likely answer. Coaching, can be reached at might think. employers from asking. always be behind. Unless you’re I often advise job seekers to copelandcoaching.com. Whether you’re currently n New Orleans and Pitts- underpaid or overpaid, answer- burgh also are implementing ing this question wrong can this rule on city agencies. completely eliminate you from It might not be clear right consideration. And, answering Money School offers away what’s wrong with this too low can also put you at a question. Many companies disadvantage. think of it as fi nding out if the A number of states and cities person fi ts into their budget. free financial education have started to reduce or elimi- But here’s the problem: If Chattanooga Neighborhood Enterprise CEO of CNE. nate this question altogether: someone has ever been under- has launched Money School After Hours, a Money School After Hours takes place at n In 2017, Delaware and paid for any reason, includ- monthly opportunity for Chattanooga area CNE’s offi ce, 1500 Chestnut St., from 5:30 to New York City banned em- ing discrimination or just an residents to learn about a variety of personal 7:30 p.m. CNE is partnering with other local fi nance topics. organizations that off er fi nancial education CNE is off ering the program as an to teach these courses. extension of its annual fi nancial education Classes include: event, Money School.  is program en- July 12: A Guide to Self-Employment courages Chattanoogans to further educate Aug. 9: A Guide to Family Finances themselves on personal fi nance in order to Sept. 13: Raising Your Credit Score become fi nancially stable. Money School Oct. 11: Filling for Federal Financial Aid After Hours is off ered the second  ursday Nov. 8: A Guide to Saving & Investing of every month. Dec. 13: Budgeting “Financial stability is essential to building Jan. 10: A Guide to Taxes a strong community, and Money School Feb. 14: Avoiding the Cycle of Debt After Hours provides a variety of personal March 14: A Guide to Insuring Yourself fi nancial resources to educate the Chatta- Register: www.MoneySchoolCHA.org nooga area to become fi nancially indepen- Source: CNE dent,” says Martina Guilfoil, president and

NAR From page 17 housing market. Freddie Mac on the path to Panelist Kent Smith, portfo- sustainability,” she said. “How- counterparty risks and incalcu- lio manager of mortgage credit ever, it is critical to America’s lable unintended consequenc- at PIMCO, addressed the topic housing industry and a priority es,” Dworkin added. of private or multiple guaran- of NAR that aff ordable mort-  e event came a day after tors. “ ey won’t deliver lower gage capital always remains the White House released its rates to the market, the quality available for creditworthy Reform Plan and Reorganiza- of the (government) guarantee Americans, particularly during tion Recommendations, which will,” he said. economic downturns, a vital included a proposal to remove NAR President Elizabeth role that a fully private entity the federal charter from statute Mendenhall, a sixth-genera- could not fi ll. and fully privatize the GSEs. tion Realtor from Columbia, “ is makes eff orts to reform Specifi cally, the Trump ad- Missouri, and CEO of RE/ the secondary mortgage market ministration called on policy- MAX Boone Realty, also com- all the more necessary. NAR makers to decrease the federal mented on the administration’s will continue to advocate that subsidies supporting housing proposal. Congress enact comprehensive by reducing the role of Freddie “Realtors support reforms housing fi nance reforms as Mac and Fannie Mae in the that will put Fannie Mae and quickly as possible.” Several additional indus- try leaders, policy advisors and academic experts spoke during diff erent sections of the Count on roundtable. Additional topics the Herald of conversation included barri- ers to the adoption of current for your comprehensive reform propos- weekly als, complexities of attaining a consensus and near-term Sudoku. changes that could threaten market liquidity. Source: NAR www.hamiltoncountyherald.com Hamilton County Herald June 29 – July 5, 2018 | 19 How to avoid fraud when buying a car online By Carroll Lachnit | Edmunds Internet Crime Complaint eral years, we’ve received about ads and create functional-look- Center. three calls per week like this,” ing websites. Imagine that you are looking  e fake car ads use infor- DAS notes in its site’s fraud And shoppers are already for a used car on a popular site, mation cloned from actual warning. “About a third of the very comfortable with online such as Autotrader, Cars.com listings.  e sellers aren’t people calling have already buying, even for expensive or Craigslist. You fi nd exactly British Airways pilots, person- paid.” products. An NPR/Marist poll the one you want, with a very al trainers, deployed Marines  e criminals behind the this month found that 27 per- attractive price. or grieving widows – these schemes have technical skills cent of shoppers had bought an  e ad has photos galore and Behind the Wheel are just stories that have that are good item online with a price tag of Car insights from AP and Edmunds even a link to a vehicle history been used to further the enough to clone $1,000 or more. Purchasing a report, which shows the car car. He supplies a link to the scam.  e escrow sites car, sight unseen, from a is in good condition and has escrow company’s website. are clones of real sites, stranger might not seem a clean title.  ere’s an email  ere’s even a vehicle purchase such as Escrow.com, risky for some buyers. address for inquiries, but no protection program: If you look or brands such as Criminals count on that phone number, so you write for at the car and decide you don’t Edmunds that are faith in the legitimacy of details. In the seller’s reply, he want it, you’ll be refunded. known but don’t off er online transactions. volunteers that the car is such What could go wrong? such services.  e FBI and sites a great deal because he’s a pilot Plenty. Dallas-based car-ship- that are combating and has had to relocate to the  at scenario, with some ping service DAS, another the scams, including United Kingdom for a job with variation, is an online car-shop- company whose site has Autotrader, Escrow.com, British Airways. ping fraud that has played out been faked by scammers, eBay Motors and Edmunds, If you want the car, he more than 29,000 times since says many buyers aren’t off er these tips to avoid online explains, it’s easily done: Just 2014. Would-be buyers have aware they’ve been taken car-buying fraud: wire the payment to an escrow n been swindled out of more until they ask DAS for their Check the car’s real value company, which will hold the than $54 million as of Decem- delivery date. payment until you receive the See WHEEL, page 27 ber 2017, according to the FBI’s “For the past sev-

50 YEARS From page 1 Loan Association paid its George F. Wilcox, sales their 1967 record.  e fi rst- es, fi reworks displays, family savings customers $3,042,638 representative of E.I. DuPont place award was presented to picnics, patriotic gatherings of the fall quarter.  ere is the in the 12-month period which Co., and a graduate assistant C.B. Johnson, general manager, some groups and travel on the appalling prospect of trying to ended today. It was the largest for Dale Carnegie Courses, has at the association’s recent an- highways. fi t 1,000 more students into a amount ever paid in a sin- been named campaign manag- nual convention in Seattle.  e Mayor Ralph Kelley, who building designed for less than gle year to customers of any er for Sherman Paul, Hamilton Class A award is for systems underwent stomach surgery 400 when regular classes open savings institution in this area, County Tax Assessor and an with over one million man Wednesday at Erlanger Hos- for the fall term. according to Harry R. White, independent candidate for elec- hours worked annually. pital, is described as being in Saturday, June 29 First Federal president. tion to the post in August.  e Lookout Advertising good condition by his physi- A $696,352 Public Health Miss Oneida Bass, executive Tuesday, July 2 Agency of Chattanooga was cian. It will be several weeks Service grant has been ap- director of the Moccasin Bend awarded two top honors in the before Mayor Kelley returns Girl Scout Council, will retire Offi cial temperatures 37th annual National Advertis- full-time to his offi ce. proved for an Alton Park climbed into the 90s for the Neighborhood Family Health July 15. Miss Bass became di- ing Agency Network (NAAN) A grant of $522,582 has been rector of the Chattanooga Girl third straight day, with the creative awards competition made to Covenant College on Center, U.S. Sen. Albert Gore thermometer reaching 97 announced Friday in Washing- Scout Council in 1936, when at the recent agency manage- Lookout Mountain by the U.S. membership was 300. Today, degrees, the warmest since July ment conference at Snow- Offi ce of Education. It will be ton.  e money will be admin- 28, 1966. istered by Erlanger Hospital. the council serves 10,000 girls mass-at-Aspen, Colorado. used to build a library-class- and adults in 11 Tennessee and Combustion Engineering  e awards were presented to room and a physical education Mrs. Dorothy Hicks, ex- Co. has bought Olin Mathie- ecutive vice president of the three Georgia counties. Under James T. Williams, president, building. Bass’ leadership, a 730-acre son’s interest in United Nuclear and Carl L. Gibson, Lookout A stepped-up statewide Chattanooga Board of Realtors, Corp. for about $10 million, reports homes sold through the tract on Lookout Mountain board chairman, by William M. safety campaign by the Ten- was purchased and developed according to an announcement Zemp, new NAAN chairman. nessee Highway Patrol resulted Multiple Listing Service in the by Arthur J. Santry, Jr., Com- fi rst half of 1968 amounted to as a permanent Girl Scout Petitions signed by an esti- in 11 motorists being cited Council camp. bustion president, and Gordon mated 400 registered voters of here in a roadblock set up on $6,908,987.06 and set a record Grand, Olin president. Com- Monday, July 1 East Ridge calling for a special Amnicola Highway  ursday for any six-month period. bustion recently announced A 24-seat DC3 has been election of a seven-member afternoon. During a 90-minute Two new members were eight mergers involving com- city charter study commission period, troopers checked 250 presented to the University elected to the county school panies with combined sales of of Chattanooga for use by the were presented to the Hamil- cars. Eight of the motorists had board to fi ll one unexpired almost $100 million in 1967. ton County Election commis- no drivers’ license, two had athletic teams and other college term and one vacancy. Gil-  e Chattanooga-Hamilton personnel by a Texan – Harry sion at noon at the courthouse. improper registrations and one bert F. Stein, partner in Stein County Regional Planning  e object is to get the charter was listed under miscellaneous. Bradley, owner of Houston Construction Co., was elected Commission deferred on a Aviation Products Co. Bradley, study commission on the Aug. Combat veterans of the to fi ll the seat vacated by Davis request for rezoning to permit 1 general election ballot. 565th Ordnance Heavy a native of Murfreesboro, lived Eldridge, whose term has ex- a privately fi nanced apartment for a time, some years ago, in Thursday, July 4 Maintenance Company in the pired and who was not seeking complex of about 45 units on European  eatre, 1944-45, the Tyner area. re-election. Erkskine Peoples, North Hickory Street in the Hamilton Countians by  e East Ridge City Commis- held a Fourth of July reunion a Negro insurance agent with Avondale area. the thousands are celebrating here at Read House.  ey were sion dismissed City Judge Wil- Mutual Benefi t Life Insurance Assets of Chattanooga Independence Day 1968 with a liam B. Luther and appointed meeting for the fi rst time since Co. in Chattanooga, was elect- Federal Savings and Loan variety of recreational activ- 1945. Ninety-three men and Richard Holcomb, attorney, as ed to fi ll the unexpired term Association reached a new high ities centered on area lakes his successor in a called meet- their wives and families were in of Ernest Bacon, who resigned of $50,165,579 on June 30, W. and playgrounds, golf cours- attendance. ing Friday night at Town Hall. to accept another position in Arnold Chambers, president, Gene F. Drakeford was named Georgia. Peoples is the fi rst reported.  e increase during temporary city manager. Negro (editor’s note:  is is the past 12 months amounted Jorges Carpet Mills has how it was written in 1968) in to $5,043,647, or 11.2 percent, purchased Moccasin Bend Hamilton County ever to serve which Mr. Chambers said was Carpet Mills, Inc., in a $1 on the school board. “a very healthy rise in assets.” million transaction that will Public Utilities Commission- Wednesday, July 3 start a new expansion program, er Steve Conrad announced Edward W. Jorges, president, the appointment of Ed Evans, Electric Power Board of announced. Both plants are well-known amateur sports- Chattanooga employees have located in Rossville, Georgia. man and recreational director been awarded the Class A Sunday, June 30 of East Lake Recreation Center, Safety Award of the American Public Power Association for First Federal Savings and as director of Engel Stadium. Page 20 Public Notices June 29 - July 5, 2018 www.HamiltonCountyHerald.com Foreclosure Notices handicap but does not discriminate against accepted. Amounts received in excess of the SUBSTITUTE TRUSTEE’S SALE IS, with no warranties or representations of Continued from page 11 handicapped persons. winning bid will be refunded to the successful Sale at public auction will be on July 26, any kind, express or implied, including without Parcel ID Number: 082L C 035 purchaser at the time the foreclosure deed is 2018 at 10:00AM local time, at the west door, limitation, warranties regarding condition of the 671, in the Register’s Office of Hamilton Address/Description: 8695 Arbutus Drive, delivered. This property is being sold with the Hamilton County Courthouse, 625 Georgia property or marketability of title. County, Tennessee. Hixson, TN 37343. express reservation that the sale is subject to Ave., Chattanooga, Tennessee pursuant to This office may be a debt collector. This ALSO KNOWN AS: 2014 North Concord Current Owner(s): TAMMY RENE’ STAPLE- confirmation by the lender or trustee. This sale Deed of Trust executed by Teresa K. Stewart, may be an attempt to collect a debt and any Road, Chattanooga, TN 37421 TON. may be rescinded by the Substitute Trustee to Mr. Arnold M. Weiss, Trustee, as trustee for information obtained may be used for that This sale is subject to all matters shown Other Interested Party(ies): Discover Bank at any time. Washington Mutual Bank, FA on April 5, 2002 purpose. on any applicable recorded plat; any unpaid Issuer of Discover Card; Tennessee Housing THIS LAW FIRM IS ACTING AS A DEBT COL- at Book GI 6213, Page 728, Instrument No. Shapiro & Ingle, LLP taxes; any restrictive covenants, easements, Development Agency; and LVNV Funding, LECTOR AND IS ATTEMPTING TO COLLECT A 2002041600118; conducted by Shapiro & Substitute Trustee or setback lines that may be applicable; any LLC as successor in interest to “WebBank”. DEBT. ANY INFORMATION OBTAINED WILL BE Ingle, LLP, having been appointed Substitute or 10130 Perimeter Parkway, Suite 400 statutory rights of redemption of any govern- The sale of the property described above shall USED FOR THAT PURPOSE. Successor Trustee, all of record in the Hamilton Charlotte, NC 28216 mental agency, state or federal; any prior liens be subject to all matters shown on any recorded Robert J. Solomon County Register’s Office. Default has occurred Phone: (704) 333-8107 or encumbrances as well as any priority created plat; any and all liens against said property Substitute Trustee in the performance of the covenants, terms, Fax: (704) 333-8156 by a fixture filing; and to any matter that an ac- for unpaid property taxes; any restrictive cov- Solomon Baggett, LLC and conditions of said Deed of Trust and the www.auction.com curate survey of the premises might disclose. enants, easements or set-back lines that may 3763 Rogers Bridge Road entire indebtedness has been declared due File No. 17-113089 In addition, the following parties may claim be applicable; any prior liens or encumbrances Duluth, Georgia 30097 and payable. June 22, 29, July 6, 2018 Fnr19230 an interest in the above- referenced property: as well as any priority created by a fixture filing; (678) 243-2512 Party Entitled to Enforce the Debt: Wells ROBERT K. PANAHAGAHI a deed of trust; and any matter than an accurate Our File No. CMS.00885 Fargo Bank, N.A., its successors and assigns. NOTICE OF TRUSTEE’S SALE HELEN J. PANAHAGAHI survey of the premises might disclose; and June 22, 29, July 6, 2018 Fnr19228 The following real estate located in Ham- WHEREAS, default has occurred in the The sale held pursuant to this Notice may All right and equity of redemption, statutory or ilton County, Tennessee, will be sold to the performance of the covenants, terms, and con- be rescinded at the Successor Trustee’s option otherwise, homestead, and dower are expressly NOTICE OF SUBSTITUTE TRUSTEE’S SALE highest call bidder: ditions of a Deed of Trust Note dated December at any time. The right is reserved to adjourn waived in said Deed of Trust, and the title is Default having been made in the payment of Described property located at Hamilton 29, 2011, and the Deed of Trust of even date the day of the sale to another day, time, and believed to be good, but the undersigned will the debts and obligations described in and County, Tennessee, to wit: securing the same, recorded January 6, 2012, place certain without further publication, upon sell and convey only as Substitute Trustee. The secured by a certain Deed of Trust executed Lot No. 2 of the Corrective Plate (Re- in Book No. GI 9550, at Page 247, in Office announcement at the time and place for the right is reserved to adjourn the day of the sale by KORY WADE CUSTER, a married man, subdivision of Lot No. 2) of the Walter Keith of the Register of Deeds for Hamilton County, sale set forth above. In the event of inclem- to another day, time, and place certain without and CANDACE CUSTER to Title Guaranty & Subdivision as shown in Plat Book 56, Page Tennessee, executed by Michael G. Massey ent weather, the trustee hereby announces further publication, upon announcement at the Trust Company, Trustee, recorded May 1, 2, In the Register’s Office of Hamilton County, and Valerie H. Massey, conveying certain prop- that the sale will be postponed for a period of time and place for the sale set forth above. 2018 in Hamilton County Register’s Office at Tennessee. erty therein described to Joseph B. Pitt JR. as two weeks. In such situations, notices will be This office is attempting to collect a debt. Book GI 8655 Page 754 and the beneficial Being the same property conveyed to Te- Trustee for Mortgage Electronic Registration mailed to interested parties of record. W&A Any information obtained will be used for interest of said Deed of Trust is owned by resa K. Stewart from Walter A. Keith and Systems, Inc., as nominee for Flagstar Bank, No. 330793 that purpose. CARRINGTON MORTGAGE SERVICES, LLC, wife, Mildred H. Keith dated 5129196 and FSB, its successors and assigns; and the DATED June 13, 2018 Brock & Scott, PLLC, Substitute Trustee and the undersigned having been appointed recorded 6/4/96 in Book 4692 Page 598, undersigned, Wilson & Associates, P.L.L.C., WILSON & ASSOCIATES, P.L.L.C., c/o Tennessee Foreclosure Department Successor Trustee by instrument recorded in Hamilton County records. having been appointed Successor Trustee by Successor Trustee 4360 Chamblee Dunwoody Road, Ste 310 said Register’s Office, this is notice that the Street Address: 8514 Daisy Dallas Rd, Caliber Home Loans, Inc.. June 22, 29, July 6, 2018 Fnr19226 Atlanta, GA 30341 undersigned will on July 31, 2018 at 12:00 PM Hixson, Tennessee 37343 NOW, THEREFORE, notice is hereby given PH: 404-789-2661 FX: 404-294-0919 local time, at the Hamilton County Courthouse, Parcel Number: 074L-B-041.02 that the entire indebtedness has been declared NOTICE OF FORECLOSURE SALE File No.: 13-06434 FC03 Chattanooga, Tennessee will proceed to sell at Current Owner(s) of Property: Teresa K. due and payable; and that an agent of Wilson & STATE OF TENNESSEE, HAMILTON COUNTY June 22, 29, July 6, 2018 Fnr19227 public outcry to the highest and best bidder for Stewart, single Associates, P.L.L.C., as Successor Trustee, by WHEREAS, Tammy R. Stapleton a/k/a cash the following property located in Hamilton The street address of the above described virtue of the power, duty, and authority vested in Tammy Rene’ Stapleton executed a Deed of NOTICE OF SUBSTITUTE TRUSTEE’S SALE County, Tennessee, will be sold to the highest property is believed to be 8514 Daisy Dallas and imposed upon said Successor Trustee, by Trust to Mortgage Electronic Registration Sys- Default having been made in the payment of call bidder subject to all unpaid taxes, prior Rd, Hixson, Tennessee 37343, but such ad- Caliber Home Loans, Inc., will, on July 12, 2018 tems, Inc. as nominee for SunTrust Mortgage, the debts and obligations described in and liens and encumbrances of record. dress is not part of the legal description of on or about 10:00 AM, at the Hamilton County Inc., Lender and Larry A. Weissman, Trustee(s), secured by a certain Deed of Trust executed Described property is IN THE SECOND CIVIL the property sold herein and in the event of Courthouse, Chattanooga, Tennessee, offer which was dated September 21, 2007 and by TERRI LYNN JOHNSON to Hamilton County DISTRICT OF HAMILTON COUNTY, TENNESSEE: any discrepancy, the legal description herein for sale certain property hereinafter described recorded on September 26, 2007 in Book GI Trustee, Trustee, recorded January 5, 2009 north half of the east half of Lot Twelve (12), shall control. to the highest bidder FOR certified funds paid 8480, Page 61, Hamilton County, Tennessee in Hamilton County Register’s Office at Book Waterhouse Subdivision, Number Two (2), This sale is subject to, without limitation, all at the conclusion of the sale, or credit bid from Register of Deeds. GI8827 Page 154 Inst#F4472 and the ben- as shown by plat of record in Plat Book 12, matters shown on any applicable recorded plat; a bank or other lending entity pre-approved by WHEREAS, default having been made in eficial interest of said Deed of Trust is owned Page 36, in the Register’s Office of Hamilton any unpaid taxes; any restrictive covenants, the successor trustee. The sale is free from all the payment of the debt(s) and obligation(s) by CARRINGTON MORTGAGE SERVICES, LLC, County, Tennessee. Being the same property easements, or setback lines that may be ap- exemptions, which are expressly waived in the thereby secured by the said Deed of Trust and the undersigned having been appointed conveyed to Kory Wade Custer, married man, plicable; any statutory right of redemption of any Deed of Trust, said property being real estate and the current holder of said Deed of Trust, Successor Trustee by instrument recorded recorded on May 1, 2008, Book GI8655, Page governmental agency, state or federal; any prior situated in Hamilton County, Tennessee, and SunTrust Mortgage, Inc., (the “Holder”), ap- in said Register’s Office, this is notice that 752 Hamilton County Tennessee. liens or encumbrances including those created being more particularly described as follows: pointed the undersigned, Brock & Scott, PLLC, the undersigned will on August 6, 2018 at Property Address: 1569 Burns Ave, East by a fixture filing or any applicable homeowners’ The following described real estate: In the as Substitute Trustee, with all the rights, powers 12:00PM local time, at the Hamilton County Ridge, TN 37412 association dues or assessments; all claims or Third Civil District, Hamilton County, Ten- and privileges of the original Trustee named in Courthouse, located at 615 Walnut Street, TAX ID: 169N F 037 other matters, whether of record or not, which nessee: Lot Two Hundred Thirty-Six (236), said Deed of Trust; and Chattanooga, Tennessee will proceed to sell at Current Owner(s) of Property: KORY WADE may encumber the purchaser’s title and any Corrective Plat of Lots 236 and 237, Hidden NOW, THEREFORE, notice is hereby given public outcry to the highest and best bidder for CUSTER, a married man, and CANDACE matter that an accurate survey of the premises Harbor, Unit 8, Planned Unit Development, that the entire indebtedness has been declared cash the following property located in Hamilton CUSTER might disclose. as shown by plat of record in Plat Book due and payable as provided in said Deed of County, Tennessee, will be sold to the highest The street address of the above described The following parties may claim an interest 30, Page 145, in the Register’s Office of Trust by the Holder, and that as agent for the call bidder subject to all unpaid taxes, prior property is believed to be 1569 Burns Ave, East in the above-referenced property to be affected Hamilton County, Tennessee. Together with undersigned, Brock & Scott, PLLC, Substitute liens and encumbrances of record. Ridge, TN 37412 but such address is not part of by the foreclosure: any judgment creditor or such rights as are appurtenant thereto by Trustee, by virtue of the power and authority Described property is LOCATED IN THE THIRD the legal description of the property sold herein lien holder with an interest subordinate to the virtue of “Declaration of Covenants and vested in it, will on July 17, 2018, at 10:00AM CIVIL DISTRICT, LOT ONE (1), ROOKS REVISION and in the event of any discrepancy, the legal said Deed of Trust or any party claiming by, Restrictions for Hidden Harbor Community at the usual and customary location at the OF PART OF BLOCK EIGHT (8). DAYTONA HILLS, description referenced herein shall control. through, or under any of the foregoing. Such and By-laws for Hidden Harbor Homeowners’ Hamilton County Courthouse, Chattanooga, PLAT OF RECORD IN PLAT BOOK 28, PAGE SALE IS SUBJECT TO TENANT(S) RIGHTS IN parties known to the Substitute Trustee may Association, Inc.” of record in Book 2358, Tennessee, proceed to sell at public outcry to 141, IN THE REGISTER’S OFFICE OF HAMILTON POSSESSION. include: None. Page 177, and all amendments thereto. the highest and best bidder for cash, the fol- COUNTY, TENNESSEE. If applicable, the notice requirements of T.C.A. Terms of Sale will be public auction, for ALSO KNOWN AS: 6512 Shallowmar Lane, lowing described property situated in Hamilton BEING THE SAME PROPERTY CONVEYED TO 35-5-117 have been met. cash, free and clear of rights of homestead, Hixson, TN 37343 County, Tennessee, to wit: TERRY LYNN JOHNSON BY DEED PROM RICKIE Other Interested Parties: None redemption and dower to the extent disclaimed This sale is subject to all matters shown IN THE THIRD CIVIL DISTRICT OF HAMILTON LINN JOHNSON RECORDED 03/26/1996 All right of equity of redemption, statutory or inapplicable, and the rights of Teresa K. on any applicable recorded plat; any unpaid COUNTY, TENNESSEE: IN DEED BOOK PAGE 4653/185, IN THE and otherwise, and homestead are expressly Stewart, and those claiming through him/ taxes; any restrictive covenants, easements, Lot Thirty-five (35), Dana Hills, Unit One (1), REGISTER’S OFFICE OF HAMILTON COUNTY, waived in said Deed of Trust, and the title is her/it/them. or setback lines that may be applicable; any as shown by plat of record in Plat Book 26, TENNESSEE. believed to be good, but the undersigned will Any right of equity of redemption, statutory statutory rights of redemption of any govern- page 95, in the Register’s Office of Hamilton Property Address: 125 East Daytona Drive, sell and convey only as Substitute Trustee. and otherwise, and homestead are waived in mental agency, state or federal; any prior liens County, Tennessee. Chattanooga, TN 37415 The right is reserved to adjourn the sale to accord with the terms of said Deed of Trust, or encumbrances as well as any priority created REFERENCE is made for prior title to Deed TAX ID: 109B R 007.01 another day, time and place certain without and the title is believed to be good, but the by a fixture filing; and to any matter that an ac- of record in Book 6543, page 103, and Current Owner(s) of Property: TERRI LYNN further publication, upon announcement of the undersigned will sell and convey only as Sub- curate survey of the premises might disclose. Quitclaim Deed in Book 8291, page 888, JOHNSON time and place for the sale set forth above. If stitute Trustee. In addition, the following parties may claim in the Register’s Office of Hamilton County, The street address of the above described you purchase the property at the foreclosure The right is reserved to adjourn the day an interest in the above- referenced property: Tennessee. property is believed to be 125 East Daytona sale, the entire purchase price is due and of the sale to another day, time, and place MICHAEL G. MASSEY Commonly known as: 8695 Arbutus Drive, Drive, Chattanooga, TN 37415 but such ad- payable at the conclusion of the auction in the certain without further publication, upon an- VALERIE H. MASSEY Hixson, TN 37343. dress is not part of the legal description of the form of certified bank check made payable to nouncement at the time and place for the sale The sale held pursuant to this Notice may SUBJECT TO all easements and stipulations property sold herein and in the event of any Solomon Baggett, LLC Escrow Account. No set forth above. If you purchase a property be rescinded at the Successor Trustee’s option shown on said plat. discrepancy, the legal description referenced personal checks will be accepted. You must at the foreclosure sale, the entire purchase at any time. The right is reserved to adjourn SUBJECT TO Restrictive Covenants of record herein shall control. bring sufficient funds to outbid the lender and price is due and payable at the conclusion the day of the sale to another day, time, and in Book 2060, page 461, in the Register’s SALE IS SUBJECT TO TENANT(S) RIGHTS IN any other bidders. Insufficient funds will not be of the auction in the form of a certified/ place certain without further publication, upon Office of Hamilton County, Tennessee, but POSSESSION. accepted. Amounts received in excess of the bank check made payable to or endorsed announcement at the time and place for the omitting any covenant or restriction based If applicable, the notice requirements of T.C.A. winning bid will be refunded to the successful to Shapiro & Ingle, LLP. No personal checks sale set forth above. In the event of inclem- on race, color, religion, sex, handicap, 35-5-117 have been met. purchaser at the time the foreclosure deed is will be accepted. To this end, you must bring ent weather, the trustee hereby announces familial status or national origin unless and Other Interested Parties: None delivered. This property is being sold with the sufficient funds to outbid the lender and any that the sale will be postponed for a period of only to the extent that said covenant (a) is All right of equity of redemption, statutory express reservation that the sale is subject to other bidders. Insufficient funds will not be two weeks. In such situations, notices will be exempt under Chapter 42, Section 3607 and otherwise, and homestead are expressly confirmation by the lender or trustee. This sale accepted. Amounts received in excess of the mailed to interested parties of record. W&A of the United States Code or (b) relates to waived in said Deed of Trust, and the title is may be rescinded by the Substitute Trustee winning bid will be refunded to the successful No. 330788 believed to be good, but the undersigned will at any time. purchaser at the time the foreclosure deed DATED June 14, 2018 sell and convey only as Substitute Trustee. THIS LAW FIRM IS ACTING AS A DEBT COL- is delivered. WILSON & ASSOCIATES, P.L.L.C., Have the The right is reserved to adjourn the sale to LECTOR AND IS ATTEMPTING TO COLLECT A This property is being sold with the express Successor Trustee another day, time and place certain without DEBT. ANY INFORMATION OBTAINED WILL BE reservation that the sale is subject to confirma- June 22, 29, July 6, 2018 Fnr19231 further publication, upon announcement of the USED FOR THAT PURPOSE. tion by the lender or trustee. This sale may be time and place for the sale set forth above. If Robert J. Solomon rescinded only by the Substitute Trustee at any NOTICE OF TRUSTEE’S SALE you purchase the property at the foreclosure Substitute Trustee time. If the Substitute Trustee rescinds the WHEREAS, default has occurred in the Mailed weekly to you sale, the entire purchase price is due and Solomon Baggett, LLC sale, the purchaser shall only be entitled to a performance of the covenants, terms, and Subscribe or renew for payable at the conclusion of the auction in the 3763 Rogers Bridge Road return of any money paid towards the purchase conditions of a Deed of Trust Note dated $15.00 per year form of certified bank check made payable to Duluth, Georgia 30097 price and shall have no other recourse. Once September 1, 2006, and the Deed of Trust Solomon Baggett, LLC Escrow Account. No (678) 243-2512 the purchaser tenders the purchase price, the of even date securing the same, recorded Call 423-602-9267 to order by credit card personal checks will be accepted. You must Our File No. CMS.02367 Substitute Trustee may deem the sale final in September 7, 2006, in Book No. GI 8075, at or mail your check to bring sufficient funds to outbid the lender and June 22, 29, July 6, 2018 Fnr19229 which case the purchaser shall have no remedy. Page 202, in Office of the Register of Deeds 1412 McCallie Ave. •Chattanooga TN 37412 any other bidders. Insufficient funds will not be The real property will be sold AS IS, WHERE for Hamilton County, Tennessee, executed by June 29 - July 5, 2018 Public Notices Page 21 www.HamiltonCountyHerald.com

Chad J. Hopkins, conveying certain property Harbor Homeowners Association, Inc.”, of claiming through him/her/it/them. the property sold herein and in the event of Association, will, on August 23, 2018 on or therein described to Robert M. Wilson as record in Book 2358, Page 177, amended Any right of equity of redemption, statutory any discrepancy, the legal description herein about 10:00 AM, at the Hamilton County Trustee for Mortgage Electronic Registration in Book 2431, Page 54, in Book 2495, and otherwise, and homestead are waived in shall control. Courthouse, Chattanooga, Tennessee, offer Systems, Inc., as nominee for Irwin Mortgage Page 41, and Book 2707, Page 549, said accord with the terms of said Deed of Trust, This sale is subject to, without limitation, all for sale certain property hereinafter described Corporation, its successors and assigns; and Register’s Office. and the title is believed to be good, but the matters shown on any applicable recorded plat; to the highest bidder FOR certified funds paid the undersigned, Wilson & Associates, P.L.L.C., The source of Grantor’s interest is found in undersigned will sell and convey only as Sub- any unpaid taxes; any restrictive covenants, at the conclusion of the sale, or credit bid from having been appointed Successor Trustee by Deed recorded in Book 6371, Page 013, stitute Trustee. easements, or setback lines that may be ap- a bank or other lending entity pre-approved by Ditech Financial, LLC. said Register’s Office. The right is reserved to adjourn the day plicable; any statutory right of redemption of any the successor trustee. The sale is free from all NOW, THEREFORE, notice is hereby given SUBJECT To the restrictive covenants of the sale to another day, time, and place governmental agency, state or federal; any prior exemptions, which are expressly waived in the that the entire indebtedness has been declared contained in Article VII of the “Declaration certain without further publication, upon an- liens or encumbrances including those created Deed of Trust, said property being real estate due and payable; and that an agent of Wilson & of Covenants and Restrictions for Hidden nouncement at the time and place for the sale by a fixture filing or any applicable homeowners’ situated in Hamilton County, Tennessee, and Associates, P.L.L.C., as Successor Trustee, by Harbor Community and By-Laws for Hidden set forth above. If you purchase a property association dues or assessments; all claims or being more particularly described as follows: virtue of the power, duty, and authority vested Harbor Homeowners Association, Inc.”, at the foreclosure sale, the entire purchase other matters, whether of record or not, which All that certain property situated in the in and imposed upon said Successor Trustee, document of record in Book 2358, Page price is due and payable at the conclusion may encumber the purchaser’s title and any County of Hamilton, and State of TENNES- by Ditech Financial, LLC, will, on July 12, 2018 177, amended in Book 2431, Page 54, in of the auction in the form of a certified/ matter that an accurate survey of the premises SEE, being described as follows: The follow- on or about 10:00 AM, at the Hamilton County Book 2495, Page 41, and Book 2707, Page bank check made payable to or endorsed might disclose. ing described real estate to wit located in Courthouse, Chattanooga, Tennessee, offer 549, said Register’s Office. to Shapiro & Ingle, LLP. No personal checks The following parties may claim an interest the third Civil District of Hamilton County, for sale certain property hereinafter described SUBJECT To easements reserved in Article will be accepted. To this end, you must bring in the above-referenced property to be affected Tennessee: Lot nineteen (19), Wolftever to the highest bidder FOR certified funds paid VII, Paragraph 7.22 of the “Declaration of sufficient funds to outbid the lender and any by the foreclosure: any judgment creditor or Landing, as per out in plat of record in at the conclusion of the sale, or credit bid from Covenants and Restrictions for Hidden Harbor other bidders. Insufficient funds will not be lien holder with an interest subordinate to the plat Book 46, Page 4, register’s office of a bank or other lending entity pre-approved by Community and By-Laws for Hidden Harbor accepted. Amounts received in excess of the said Deed of Trust or any party claiming by, Hamilton County, Tennessee. the successor trustee. The sale is free from all Homeowners Association, Inc.”, document winning bid will be refunded to the successful through, or under any of the foregoing. Such ALSO KNOWN AS: 7004 Lake Cove Lane, exemptions, which are expressly waived in the of record in Book 2358, Page 177, amended purchaser at the time the foreclosure deed parties known to the Substitute Trustee may Harrison, TN 37341 Deed of Trust, said property being real estate in Book 2431, Page 54, in Book 2495, is delivered. include: Anesthesiology Consultants Exchange; This sale is subject to all matters shown situated in Hamilton County, Tennessee, and Page 41, and Book 2707, Page 549, said This property is being sold with the express Laurel Cove Homeowners’ Association, Inc.. on any applicable recorded plat; any unpaid being more particularly described as follows: Register’s Office. reservation that the sale is subject to confirma- Terms of Sale will be public auction, for taxes; any restrictive covenants, easements, In the First Civil District of Hamilton County, SUBJECT To the lien of assessments as tion by the lender or trustee. This sale may be cash, free and clear of rights of homestead, or setback lines that may be applicable; any Tennessee: The East part of Lot Thirty-Four may be levied against said lot under the rescinded only by the Substitute Trustee at any redemption and dower to the extent disclaimed statutory rights of redemption of any govern- (34), Fairfax, as shown by plat recorded in terms and provisions of the “Declaration time. If the Substitute Trustee rescinds the or inapplicable, and the rights of James Witt mental agency, state or federal; any prior liens Plat Book 12, Page 30, in the Register’s of Covenants and Restrictions for Hidden sale, the purchaser shall only be entitled to a and Jennifer Witt, and those claiming through or encumbrances as well as any priority created Office of Hamilton County, Tennessee. Harbor Community and By-Laws for Hidden return of any money paid towards the purchase him/her/it/them. by a fixture filing; and to any matter that an ac- According to said plat said part of lot is Harbor Homeowners Association, Inc.”, price and shall have no other recourse. Once Any right of equity of redemption, statutory curate survey of the premises might disclose. described as follows: Beginning at the document of record in Book 2358, Page the purchaser tenders the purchase price, the and otherwise, and homestead are waived in In addition, the following parties may claim Southeast corner of Lot 34, at the inter- 177, amended in Book 2431, Page 54, in Substitute Trustee may deem the sale final in accord with the terms of said Deed of Trust, an interest in the above- referenced property: section of the West line of Lot 35; thence Book 2495, Page 41, and Book 2707, Page which case the purchaser shall have no remedy. and the title is believed to be good, but the ALLEN D. RUDD West along the line dividing Lots 35 and 549, said Register’s Office. The real property will be sold AS IS, WHERE undersigned will sell and convey only as Sub- SANDY L. RUDD 34, a distance of 109.78 feet thence South SUBJECT To all other terms and provisions IS, with no warranties or representations of stitute Trustee. The sale held pursuant to this Notice may 100 feet to the North line of Miller Avenue of the “Declaration of Covenants and Re- any kind, express or implied, including without The right is reserved to adjourn the day be rescinded at the Successor Trustee’s option 110.76 feet to the beginning. Excepting the strictions for Hidden Harbor Community and limitation, warranties regarding condition of the of the sale to another day, time, and place at any time. The right is reserved to adjourn Southeast corner of said property used in By-Laws for Hidden Harbor Homeowners As- property or marketability of title. certain without further publication, upon an- the day of the sale to another day, time, and rounding the curve at the intersection of sociation, Inc.”, document of record in Book This office may be a debt collector. This nouncement at the time and place for the sale place certain without further publication, upon Laws Avenue and Miller Avenue. 2358, Page 177, amended in Book 2431, may be an attempt to collect a debt and any set forth above. If you purchase a property announcement at the time and place for the ALSO KNOWN AS: 4507 Montview Drive, Page 54, in Book 2495, Page 41, and Book information obtained may be used for that at the foreclosure sale, the entire purchase sale set forth above. In the event of inclem- Chattanooga, TN 37411 2707, Page 549, said Register’s Office. purpose. price is due and payable at the conclusion ent weather, the trustee hereby announces This sale is subject to all matters shown SUBJECT To easements contained in docu- Shapiro & Ingle, LLP of the auction in the form of a certified/ that the sale will be postponed for a period of on any applicable recorded plat; any unpaid ment of record in Book 2116, Page 186, in Substitute Trustee bank check made payable to or endorsed two weeks. In such situations, notices will be taxes; any restrictive covenants, easements, the Register’s Office of Hamilton County, 10130 Perimeter Parkway, Suite 400 to Shapiro & Ingle, LLP. No personal checks mailed to interested parties of record. W&A or setback lines that may be applicable; any Tennessee. Charlotte, NC 28216 will be accepted. To this end, you must bring No. 328698 statutory rights of redemption of any govern- SUBJECT To easements and reservations in Phone: (704) 333-8107 sufficient funds to outbid the lender and any DATED June 19, 2018 mental agency, state or federal; any prior liens Deed from U.S.A. (T.V.A.) to J. Gilbert Stein of Fax: (704) 333-8156 other bidders. Insufficient funds will not be WILSON & ASSOCIATES, P.L.L.C., or encumbrances as well as any priority created record in Book 1374, Page 330, as modified www.auction.com accepted. Amounts received in excess of the Successor Trustee by a fixture filing; and to any matter that an ac- in Book 1254, Page 20, in the Register’s File No. 18-115815 winning bid will be refunded to the successful June 22, 29, July 6, 2018 Fnr19239 curate survey of the premises might disclose. Office of Hamilton County, Tennessee. June 22, 29, July 6, 2018 Fnr19233 purchaser at the time the foreclosure deed In addition, the following parties may claim SUBJECT To restrictions of record in Book is delivered. NOTICE OF SUBSTITUTE TRUSTEES SALE an interest in the above- referenced property: 2268, Page 533, in the Register’s Office. SUBSTITUTE TRUSTEE’S SALE This property is being sold with the express WHEREAS, default has occurred in the perfor- CHAD J. HOPKINS SUBJECT To twenty-five (25) foot field line Sale at public auction will be on July 26, reservation that the sale is subject to confirma- mance of the covenants, terms and conditions The sale held pursuant to this Notice may set back from all drainage easements as 2018 at 10:00AM local time, at the west door, tion by the lender or trustee. This sale may be of a Deed of Trust dated November 25, 2003, be rescinded at the Successor Trustee’s option shown on recorded plat. Hamilton County Courthouse, 625 Georgia rescinded only by the Substitute Trustee at any executed by DONNA R. MILLER, conveying cer- at any time. The right is reserved to adjourn SUBJECT To notes and conditions as stipu- Ave., Chattanooga, Tennessee pursuant to time. If the Substitute Trustee rescinds the tain real property therein described to CHARLES the day of the sale to another day, time, and lated on plat of record in Plat Book 32, Page Deed of Trust executed by James Witt and sale, the purchaser shall only be entitled to a E. TONKIN II, as Trustee, as same appears place certain without further publication, upon 17-2, and Plat Book 31, Page 158, said Jennifer Witt, to Kathy Winstead, Trustee, as return of any money paid towards the purchase of record in the Register’s Office of Hamilton announcement at the time and place for the Register’s Office. trustee for Chase Bank USA, N.A. on March 26, price and shall have no other recourse. Once County, Tennessee recorded November 26, sale set forth above. In the event of inclem- SUBJECT To restrictive covenants contained 2008 at Book GI 8628, Page 622; and modified the purchaser tenders the purchase price, the 2003, in Deed Book GI 6943, Page 917; and ent weather, the trustee hereby announces in Deed from U.S.A. (T.V.A.) to J. Gilbert by agreement recorded June 11, 2015 in Book Substitute Trustee may deem the sale final in WHEREAS, the beneficial interest of said Deed that the sale will be postponed for a period of Stein of record in Book 1374, Page 330, GI 10489 Page 620; conducted by Shapiro & which case the purchaser shall have no remedy. of Trust was last transferred and assigned to two weeks. In such situations, notices will be in the Register’s Office of Hamilton County, Ingle, LLP, having been appointed Substitute or The real property will be sold AS IS, WHERE New Penn Financial, LLC d/b/a Shellpoint mailed to interested parties of record. W&A Tennessee. Successor Trustee, all of record in the Hamilton IS, with no warranties or representations of Mortgage Servicing who is now the owner of No. 330504 SUBJECT To any governmental zoning and County Register’s Office. Default has occurred any kind, express or implied, including without said debt; and WHEREAS, the undersigned, DATED June 14, 2018 subdivision ordinances or regulations in in the performance of the covenants, terms, limitation, warranties regarding condition of the Rubin Lublin TN, PLLC, having been appointed WILSON & ASSOCIATES, P.L.L.C., effect thereon. and conditions of said Deed of Trust and the property or marketability of title. as Substitute Trustee by instrument to be filed Successor Trustee Street Address: 6604 Schooner Bay Ln, entire indebtedness has been declared due This office may be a debt collector. This for record in the Register’s Office of Hamilton June 22, 29, July 6, 2018 Fnr19232 Hixson, Tennessee 37343 and payable. may be an attempt to collect a debt and any County, Tennessee. NOW, THEREFORE, notice Parcel Number: 101C C 001 Party Entitled to Enforce the Debt: Federal information obtained may be used for that is hereby given that the entire indebtedness SUBSTITUTE TRUSTEE’S SALE Current Owner(s) of Property: Brian D. Gar- National Mortgage Association (“Fannie Mae”), purpose. has been declared due and payable, and that Sale at public auction will be on July 26, land and Courtney N. Garland a corporation organized and existing under Shapiro & Ingle, LLP the undersigned, Rubin Lublin TN, PLLC, as 2018 at 10:00AM local time, at the west door, The street address of the above described the laws of the United States of America, its Substitute Trustee Substitute Trustee or his duly appointed agent, Hamilton County Courthouse, 625 Georgia property is believed to be 6604 Schooner successors and assigns. 10130 Perimeter Parkway, Suite 400 by virtue of the power, duty and authority vested Ave., Chattanooga, Tennessee pursuant to Bay Ln, Hixson, Tennessee 37343, but such The following real estate located in Ham- Charlotte, NC 28216 and imposed upon said Substitute Trustee will, Deed of Trust executed by Brian D. Garland and address is not part of the legal description of ilton County, Tennessee, will be sold to the Phone: (704) 333-8107 on July 26, 2018 at 10:00 AM at the West Courtney N. Garland, to Larry N. Westbrook, the property sold herein and in the event of highest call bidder: Fax: (704) 333-8156 Door of the Hamilton County Courthouse, 625 Esq., Trustee, as trustee for PHH Mortgage any discrepancy, the legal description herein Described property located at Hamilton www.auction.com Georgia Avenue, Chattanooga, TN 37402, pro- Services on July 22, 2003 at Book GI 6780, shall control. County, Tennessee, to wit: File No. 13-047288 ceed to sell at public outcry to the highest and Page 817, Instrument No. 2003072800528; This sale is subject to, without limitation, all A certain tract or parcel of land in the Third June 22, 29, July 6, 2018 Fnr19238 best bidder for cash or certified funds ONLY, conducted by Shapiro & Ingle, LLP, having been matters shown on any applicable recorded plat; Civil District of Hamilton County, State of the following described property situated in appointed Substitute or Successor Trustee, all any unpaid taxes; any restrictive covenants, Tennessee, described as follows, to-witt: NOTICE OF TRUSTEE’S SALE Hamilton County, Tennessee, to wit: of record in the Hamilton County Register’s Of- easements, or setback lines that may be ap- Lot Eighty-nine (89), Laurel Cove Subdivision, WHEREAS, default has occurred in the IN THE SECOND CIVIL DISTRICT OF HAMILTON fice. Default has occurred in the performance plicable; any statutory right of redemption of any as shown by plat of record in Plat Book 59, performance of the covenants, terms, and COUNTY, TENNESSEE: LOT ONE HUNDRED of the covenants, terms, and conditions of said governmental agency, state or federal; any prior Page 10, in the Register’s Office of Hamilton conditions of a Deed of Trust Note dated July TWENTY-EIGHT (128), RIVER COVE SUBDIVI- Deed of Trust and the entire indebtedness has liens or encumbrances including those created County, Tennessee. 24, 2009, and the Deed of Trust of even date SION, UNIT 4, AS SHOWN BY PLAT OF RE- been declared due and payable. by a fixture filing or any applicable homeowners’ Being the same property conveyed to James securing the same, recorded August 28, 2009, CORD IN PLAT BOOK 54, PAGE 144, IN THE Party Entitled to Enforce the Debt: PHH association dues or assessments; all claims or Witt and wife, Jennifer Witt, by Warranty Deed, in Book No. GI 9006, at Page 346, in Office REGISTER`S OFFICE OF HAMILTON COUNTY, Mortgage Corporation, its successors and other matters, whether of record or not, which from Jeffrey D. Carmichael and wife, Sherian of the Register of Deeds for Hamilton County, TENNESSEE. assigns. may encumber the purchaser’s title and any B. Carmichael, of record in Book 7013, Page Tennessee, executed by Allen D. Rudd and Parcel ID: 094A-A-023 The following real estate located in Ham- matter that an accurate survey of the premises 917, Register’s Office for Hamilton County, Sandy L. Rudd, conveying certain property PROPERTY ADDRESS: The street address of ilton County, Tennessee, will be sold to the might disclose. Tennessee, dated January 30, 2004 and therein described to Stewart Title Company as the property is believed to be 6636 ROLLING highest call bidder: The following parties may claim an interest recorded February 5, 2004. Trustee for Mortgage Electronic Registration RIVER RD, HARRISON, TN 37341. In the event Described property located at Hamilton in the above-referenced property to be affected The address of this property is known as: Systems, Inc., as nominee for Reliance First of any discrepancy between this street address County, Tennessee, to wit: by the foreclosure: any judgment creditor or 7051 Autumn Lake Trail, Hixson, TN 37343. Capital, LLC, its successors and assigns; and and the legal description of the property, the In the Third Civil District of Hamilton County, lien holder with an interest subordinate to the ap: 092-H-A Parcel:001 .00. the undersigned, Wilson & Associates, P.L.L.C., legal description shall control. Tennessee: Being Lot One Hundred Fifty-two said Deed of Trust or any party claiming by, Street Address: 7051 Autumn Lake Trl, having been appointed Successor Trustee by CURRENT OWNER(S): DONNA R. MILLER (152), Unit 6, of Final Planned Unit Develop- through, or under any of the foregoing. Such Hixson, Tennessee 37343 JPMorgan Chase Bank, National Association. OTHER INTERESTED PARTIES: CitiMortgage, ment of Hidden Harbor, as shown by plat of parties known to the Substitute Trustee may Parcel Number: 092H-A-001 NOW, THEREFORE, notice is hereby given Inc., Internal Revenue Service (TN), Suntrust record in Plat Book 31, Page 158, in the include: SunTrust Bank. Current Owner(s) of Property: James Witt that the entire indebtedness has been declared Bank Register’s Office of Hamilton County, Ten- Terms of Sale will be public auction, for and Jennifer Witt due and payable; and that an agent of Wilson The sale of the above-described property shall nessee. TOGETHER WITH such rights as are cash, free and clear of rights of homestead, The street address of the above described & Associates, P.L.L.C., as Successor Trustee, be subject to all matters shown on any recorded appurtenant thereto by virtue of “Declaration redemption and dower to the extent disclaimed property is believed to be 7051 Autumn Lake by virtue of the power, duty, and authority plat; any unpaid taxes; any restrictive cov- of Covenants and Restrictions for Hidden or inapplicable, and the rights of Brian D. Trl, Hixson, Tennessee 37343, but such ad- vested in and imposed upon said Successor Continued on page 23 Harbor Community and By-Laws for Hidden Garland and Courtney N. Garland, and those dress is not part of the legal description of Trustee, by JPMorgan Chase Bank, National Page 22 Public Notices June 29 - July 5, 2018 www.HamiltonCountyHerald.com

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Learn more at stjude.org June 29 - July 5, 2018 Public Notices Page 23 www.HamiltonCountyHerald.com Foreclosure Notices Other Interested Party(ies): N/A might disclose; and effect thereon. ANY INFORMATION OBTAINED WILL BE USED Continued from page 21 The sale of the property described above All right and equity of redemption, statutory Parcel ID Number: 147B B 025 FOR THAT PURPOSE. shall be subject to all matters shown on or otherwise, homestead, and dower are ex- Address/Description: 3417 Gay Street, If applicable, the notice requirements of T.C.A. enants, easements or set-back lines that may any recorded plat; any and all liens against pressly waived in said Deed of Trust, and the Chattanooga, TN 37411. 35-5-101 have been met. be applicable; any prior liens or encumbrances said property for unpaid property taxes; any title is believed to be good, but the undersigned Current Owner(s): The Estate of Bettye All right of equity of redemption, statutory as well as any priority created by a fixture filing; restrictive covenants, easements or set-back will sell and convey only as Substitute Trustee. L. Allen. and otherwise, and homestead are expressly and to any matter that an accurate survey of lines that may be applicable; any prior liens or The right is reserved to adjourn the day of the Other Interested Party(ies): N/A waived in said Deed of Trust, but the under- the premises might disclose. This property is encumbrances as well as any priority created sale to another day, time, and place certain The sale of the property described above signed will sell and convey only as Substitute being sold with the express reservation that by a fixture filing; a deed of trust; and any mat- without further publication, upon announce- shall be subject to all matters shown on Trustee. it is subject to confirmation by the lender or ter than an accurate survey of the premises ment at the time and place for the sale set any recorded plat; any and all liens against This sale is also subject to the right of redemp- Substitute Trustee. This sale may be rescinded might disclose; and forth above. said property for unpaid property taxes; any tion by the INTERNAL REVENUE SERVICE/ at any time. The right is reserved to adjourn All right and equity of redemption, statutory This office is attempting to collect a debt. restrictive covenants, easements or set-back DEPARTMENT OF THE TREASURY, pursuant the day of the sale to another day, time, and or otherwise, homestead, and dower are ex- Any information obtained will be used for lines that may be applicable; any prior liens or to 26 U.S.C. 7425 by reason of the following place certain without further publication, upon pressly waived in said Deed of Trust, and the that purpose. encumbrances as well as any priority created tax lien(s) of record in the original amount of announcement at the time and place for the title is believed to be good, but the undersigned Brock & Scott, PLLC, Substitute Trustee by a fixture filing; a deed of trust; and any mat- $20,677.15 at Record Book GI 8656, Page sale set forth above. All right and equity of re- will sell and convey only as Substitute Trustee. c/o Tennessee Foreclosure Department ter than an accurate survey of the premises 100 as Instrument No. 2008050200056 in demption, statutory or otherwise, homestead, The right is reserved to adjourn the day of the 4360 Chamblee Dunwoody Road, Ste 310 might disclose; and the real property records of Hamilton County and dower are expressly waived in said Deed sale to another day, time, and place certain Atlanta, GA 30341 All right and equity of redemption, statutory Register’s Office, Tennessee. of Trust, and the title is believed to be good, without further publication, upon announce- PH: 404-789-2661 FX: 404-294-0919 or otherwise, homestead, and dower are ex- If the U.S. Department of Treasury/IRS, the but the undersigned will sell and convey only ment at the time and place for the sale set File No.: 18-06787 FC01 pressly waived in said Deed of Trust, and the State of Tennessee Department of Revenue, as Substitute Trustee. The Property is sold forth above. June 29, July 6, 13, 2018 Fnr19242 title is believed to be good, but the undersigned or the State of Tennessee Department of as is, where is, without representations or This office is attempting to collect a debt. will sell and convey only as Substitute Trustee. Labor or Workforce Development are listed warranties of any kind, including fitness for a Any information obtained will be used for NOTICE OF FORECLOSURE SALE The right is reserved to adjourn the day of the as Interested Parties in the advertisement, particular use or purpose. In addition this sale that purpose. STATE OF TENNESSEE, HAMILTON COUNTY sale to another day, time, and place certain then the Notice of this foreclosure is being shall be subject to the right of redemption by Brock & Scott, PLLC, Substitute Trustee WHEREAS, Bettye L. Allen, Single executed without further publication, upon announce- given to them and the Sale will be subject to the UNITED STATES OF AMERICA, pursuant to c/o Tennessee Foreclosure Department a Deed of Trust to American Home Mortgage ment at the time and place for the sale set the applicable governmental entities’ right to 26 U.S.C. 7425(d)(1) by reason of the following 4360 Chamblee Dunwoody Road, Ste 310 Company, Lender and Title Escrow of Chatta- forth above. redeem the property as required by 26 U.S.C. tax lien(s) of record in: Book GI 10881, Page Atlanta, GA 30341 nooga. Inc., Trustee(s), which was dated June This office is attempting to collect a debt. 7425 and T.C.A. §67-1-1433. 855. Notice of the sale has been given to the PH: 404-789-2661 FX: 404-294-0919 27, 1994 and recorded on June 29, 1994 in Any information obtained will be used for This property is being sold with the express UNITED STATES OF AMERICA in accordance File No.: 18-04857 FC01 Book 4369, Page 739, Hamilton County, Ten- that purpose. reservation that the sale is subject to confir- with 26 U.S.C. 7425(b). June 29, July 6, 13, 2018 Fnr19241 nessee Register of Deeds. Brock & Scott, PLLC, Substitute Trustee mation by the lender or trustee. If the sale is THIS LAW FIRM IS ATTEMPTING TO COLLECT WHEREAS, default having been made in c/o Tennessee Foreclosure Department set aside for any reason, the Purchaser at A DEBT. ANY INFORMATION OBTAINED WILL NOTICE OF FORECLOSURE SALE the payment of the debt(s) and obligation(s) 4360 Chamblee Dunwoody Road, Ste 310 the sale shall be entitled only to a return of BE USED FOR THAT PURPOSE. STATE OF TENNESSEE, HAMILTON COUNTY thereby secured by the said Deed of Trust Atlanta, GA 30341 the purchase price. The Purchaser shall have Rubin Lublin TN, PLLC, Substitute Trustee WHEREAS, Wanda S. Barbree And Evelyn and the current holder of said Deed of Trust, PH: 404-789-2661 FX: 404-294-0919 no further recourse against the Mortgagor, 119 S. Main Street, Suite 500 Barbree executed a Deed of Trust to American Tennessee Housing Development Agency, (the File No.: 17-14399 FC01 the Mortgagee or the Mortgagee’s attorney. Memphis, TN 38103 General Financial Services, Inc., Lender and “Holder”), appointed the undersigned, Brock June 29, July 6, 13, 2018 Fnr19243 MWZM File No. 18-000580-670-1 www.rubinlublin.com/property-listings.php Charles Fleischmann, Trustee(s), which was & Scott, PLLC, as Substitute Trustee, with all Mackie Wolf Zientz & Mann, P.C., Substitute Tel: (877) 813-0992 dated November 16, 2006 and recorded on the rights, powers and privileges of the original SUBSTITUTE TRUSTEE’S SALE Trustee(s) Fax: (404) 601-5846 November 17, 2006 in Book GI 8152, Page Trustee named in said Deed of Trust; and Sale at public auction will be on July 26, 2018 PREMIER BUILDING, SUITE 404 Ad #139325 275, Hamilton County, Tennessee Register NOW, THEREFORE, notice is hereby given on or about 11:00AM local time, at the Main 5217 MARYLAND WAY June 29, July 6, 13, 2018 Fnr19211 of Deeds, subsequently modified by a Loan that the entire indebtedness has been declared door of the Hamilton County Courthouse, BRENTWOOD, TENNESSEE 37027 Modification Agreement recorded February due and payable as provided in said Deed of Chattanooga, Tennessee, conducted by the PHONE: (615) 238-3630 NOTICE OF FORECLOSURE SALE 4, 2013 in Book GI 9864, Page 51 Hamilton Trust by the Holder, and that as agent for the Substitute Trustee as identified and set EMAIL: [email protected] STATE OF TENNESSEE, HAMILTON COUNTY County, Tennessee Registry of Deeds. undersigned, Brock & Scott, PLLC, Substitute forth herein below, pursuant to Deed of Trust June 29, July 6, 13, 2018 Fnr19247 WHEREAS, Rhonda G. Shepherd and WHEREAS, default having been made in Trustee, by virtue of the power and authority executed by SHARON CHRISTINE JACKSON Robert Glenn Shepherd executed a Deed the payment of the debt(s) and obligation(s) vested in it, will on July 26, 2018, at 10:00AM AND JAMES WADE JACKSON, to Arnold M. NOTICE OF TRUSTEE’S SALE of Trust to Mortgage Electronic Registration thereby secured by the said Deed of Trust and at the usual and customary location at the Weiss, Trustee, on December 12, 2002, at WHEREAS, default has occurred in the Systems, Inc. as nominee for Hometown the current holder of said Deed of Trust, U.S. Hamilton County Courthouse, Chattanooga, Record Book GI 6498, Page 546 as Instrument performance of the covenants, terms, and Lenders LLC, Lender and Elizabeth A. Cash, Bank Trust, N.A., as Trustee for LSF9 Master Tennessee, proceed to sell at public outcry to No. 2003010200041 in the real property conditions of a Deed of Trust Note dated Esq., Trustee(s), which was dated September Participation Trust, (the “Holder”), appointed the highest and best bidder for cash, the fol- records of Hamilton County Register’s Office, November 30, 2007, and the Deed of Trust 24, 2013 and recorded on October 7, 2013 the undersigned, Brock & Scott, PLLC, as lowing described property situated in Hamilton Tennessee. of even date securing the same, recorded in Book GI 10076, Page 35, Hamilton County, Substitute Trustee, with all the rights, powers County, Tennessee, to wit: Owner of Debt: Wells Fargo Bank, National December 6, 2007, in Book No. GI 8539, at Tennessee Register of Deeds. and privileges of the original Trustee named Beginning at the Northwest corner of the Association, successor by merger to Wells Page 25, in Office of the Register of Deeds for WHEREAS, default having been made in in said Deed of Trust; and tract conveyed by V. W. Nelson and wife, Fargo Bank Minnesota, National Association, Hamilton County, Tennessee, executed by Mal- the payment of the debt(s) and obligation(s) NOW, THEREFORE, notice is hereby given Helen Jean Nelson to James E. Melton and as Trustee f/k/a Norwest Bank Minnesota, lory Dean, conveying certain property therein thereby secured by the said Deed of Trust and that the entire indebtedness has been declared wife, Jo Ann Melton, by deed recorded in National Association, as Trustee for Renais- described to Arnold M. Weiss as Trustee for the current holder of said Deed of Trust, PNC due and payable as provided in said Deed of Book 1691, Page 39, in the Register’s Of- sance HEL Trust 2002-4 Mortgage Electronic Registration Systems, Bank, National Association, (the “Holder”), Trust by the Holder, and that as agent for the fice of Hamilton County, Tennessee; thence The following real estate located in Hamilton Inc., as nominee for Branch Banking and Trust appointed the undersigned, Brock & Scott, undersigned, Brock & Scott, PLLC, Substitute Eastwardly, along the Northern line of said County, Tennessee, will be sold to the highest Company, its successors and assigns; and the PLLC, as Substitute Trustee, with all the rights, Trustee, by virtue of the power and authority Melton Tract, One hundred (100) feet to the call bidder subject to all unpaid taxes, prior undersigned, Wilson & Associates, P.L.L.C., powers and privileges of the original Trustee vested in it, will on July 26, 2018, at 10:00AM Southwest corner of tract conveyed by F. A. liens and encumbrances of record: having been appointed Successor Trustee by named in said Deed of Trust; and at the usual and customary location at the Roark and wife, Izetta Roark to Edward D. THE FOLLOWING DESCRIBED REAL ESTATE Branch Banking & Trust Company. NOW, THEREFORE, notice is hereby given Hamilton County Courthouse, Chattanooga, Jolley and wife, Bessie Sue Jolley, by deed SITUATED, LYING AND BEING IN THE COUNTY NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared Tennessee, proceed to sell at public outcry to recorded in Book 1098, Page 445, in the said OF HAMILTON COUNTY TENNESSEE, TO-WIT: that the entire indebtedness has been declared due and payable as provided in said Deed of the highest and best bidder for cash, the fol- Register’s Office; thence Northwardly, along ALL THAT TRACT OR PARCEL OF LAND LYING due and payable; and that an agent of Wilson & Trust by the Holder, and that as agent for the lowing described property situated in Hamilton the Western line of said Jolley tract, fifty (50) AND BEING IN THE THIRD CIVIL DISTRICT Associates, P.L.L.C., as Successor Trustee, by undersigned, Brock & Scott, PLLC, Substitute County, Tennessee, to wit: feet to the Northwest corner thereof; thence OF HAMILTON COUNTY TENNESSEE BEING virtue of the power, duty, and authority vested Trustee, by virtue of the power and authority The following described real estate in the Eastwardly along the Northern line of said LOT 5, BLOCK 3, MAP OF KNOLLWOOD, AS in and imposed upon said Successor Trustee, vested in it, will on July 26, 2018, at 10:00AM City of Chattanooga, Hamilton County, Jolley tract, One hundred Twenty-five (125) SHOWN BY PLAT RECORDED IN PLAT BOOK by Branch Banking & Trust Company, will, on at the usual and customary location at the Tennessee: feet to the Northeast corner thereof; thence 15, PAGE 71, OF THE REGISTERS OFFICE OF July 23, 2018 on or about 3:00 PM, at the Hamilton County Courthouse, Chattanooga, Lots Seven (7) and Eight (8), Block Thirty- Southwardly, along the Eastern line of said HAMILTON COUNTY TENNESSEE. Hamilton County Courthouse, Chattanooga, Tennessee, proceed to sell at public outcry to seven (37), Anderson’s Addition, as shown Jolley tract, fifty (50) feet to the Southeast BEING THE SAME PROPERTY CONVEYED TO Tennessee, offer for sale certain property the highest and best bidder for cash, the fol- by plat of said Addition, now found of record corner thereof; thence Eastwardly along the JAMES WADE JACKSON AND WIFE, SHARON hereinafter described to the highest bidder lowing described property situated in Hamilton in the Register’s Office of Hamilton County, Northern line of the tract conveyed by Ger- CHRISTINE JACKSON BY DEED DATED NOV. FOR certified funds paid at the conclusion County, Tennessee, to wit: Tennessee. Said lots each front Forty-seven trude Koons, widow to Robert H. Curtis and 8, 1989 AND RECORDED DEC 7, 1989 IN of the sale, or credit bid from a bank or other Property known as 206 Daisy Ave. Soddy (47) feet on the East side of Roanoke Street wife, Seventy-five (75) feet to the Northeast BOOK 3679 PAGE 978 IN THE REGISTERS lending entity pre-approved by the successor Daisy, TN 37379, County of Hamilton and extends back Eastwardly, of uniform corner thereof; thence southwardly, along the OFFICE OF HAMILTON COUNTY TENNESSEE. trustee. The sale is free from all exemptions, In the Third Civil District of Hamilton County, width, a distance of One Hundred Eighty eastern line of said Curtis tract, One hundred Tax ID: 109O B 009 which are expressly waived in the Deed of Tennessee: (180) feet, more or less to the West side twenty five (125) feet to the Northern line Current Owner(s) of Property: SHARON CHRIS- Trust, said property being real estate situated Being all of Lot No. 1, Shepherd and Harper of Orlon Street. of Gay Street; thence Eastwardly along the TINE JACKSON AND JAMES WADE JACKSON in Hamilton County, Tennessee, and being more Subdivision, as shown by plat recorded in Plat THIS CONVEYANCE IS MADE SUBJECT TO northern line of Gay Street, Twenty (20) feet The street address of the above described particularly described as follows: Book 91, Page 178, in the Register’s Office THE FOLLOWING: to the Southwest corner of the tract conveyed property is believed to be 3905 Knollwood Located in the City of Chattanooga, Hamil- of Hamilton County, Tennessee. Any governmental zoning and subdivision by Wallace N. Roark to Warner L. Waugh and Drive, Chattanooga, TN 37415, but such ad- ton County, Tennessee: Lot Two (2), Block Excepting therefrom that part or parts within ordinances or regulations in effect thereon. wife, by deed recorded in Book 1037, Page dress is not part of the legal description of the Forty (40), Montague’s Highland Park Addi- the present right of way of US Highway 27. Subject to all notes, stipulations, restrictions, 519, in the said Register’s Office, thence property sold herein and in the event of any tion No. Two (2), as shown by plat of record Being the same property conveyed to Rhonda easements. conditions and regulations as Northwardly along the Western line of said discrepancy, the legal description referenced in Plat Book 1, Page 35, in the Register’s G. Shepherd and husband, Robert Glenn set out on recorded plat. Waugh tract and said line extended along herein shall control. Office of Hamilton County, Tennessee. Shepherd by deed from Terry W. Skiles and TAX ID# 136DE001 the Western line of another Waugh Tract SALE IS SUBJECT TO OCCUPANT(S) RIGHTS ALSO KNOWN AS: 2202 Bailey Ave, Chat- Larry R. Skiles dated 10/16/2006 and filed This being the same property conveyed to described in Book 1362, Page 402 in said IN POSSESSION. tanooga, TN 37404 of record in Book 8117, Page 467, said James H. Barbree and Evelyn E. Barbree from Register’s Office a total distance of One THE RIGHT IS RESERVED TO ADJOURN THE This sale is subject to all matters shown Register’s Office. Earlene Hattenbach herein by Deed dated hundred thirty eight (138) feet thence South DAY OF THE SALE TO ANOTHER DAY, TIME AND on any applicable recorded plat; any unpaid Being the same property conveyed to Rhonda and recorded 8/15/97 in Deed Book 4924 68 Degrees East, Eighteen Feet to a corner in PLACE CERTAIN WITHOUT FURTHER PUBLICA- taxes; any restrictive covenants, easements, G. Shepherd and husband Robert Glenn at Page 674. a hedge line; thence North 38 degrees East, TION, UPON ANNOUNCEMENT AT THE TIME AND or setback lines that may be applicable; any Shepherd by deed from David Ansel Harper, Parcel ID Number: 136D E 001 one hundred one (101) feet more or less, to PLACE FOR THE SALE SET FORTH ABOVE. THE statutory rights of redemption of any govern- dated 12/17/09 in Book 9078, Page 167 Address/Description: 2612 Roanoke Av- the north line of F. A. Roark’s original tract; TERMS OF SALE ARE CASH. ANY TAXES OR mental agency, state or federal; any prior liens said Register’s Office. enue, Chattanooga, TN 37406. thence West along the North line of F. A. FEES WILL BE THE RESPONSIBILITY OF THE or encumbrances as well as any priority created Robert Glenn Shepherd joins in the execution Current Owner(s): Evelyn E. Barbree. Roark’s original tract, three hundred sixty-two PURCHASER. IF THE SALE IS SET ASIDE FOR by a fixture filing; and to any matter that an ac- of this instrument for the purpose of convey- Other Interested Party(ies): N/A feet, more or less to it’s intersection with the ANY REASON, THE PURCHASER AT THE SALE curate survey of the premises might disclose. ing his marital and any other interest in the The sale of the property described above extension Northwardly of the Western line of SHALL BE ENTITLED ONLY TO A RETURN OF THE In addition, the following parties may claim subject property. shall be subject to all matters shown on said Melton tract; thence Southwardly along PURCHASE PRICE. THE PURCHASER SHALL an interest in the above- referenced property: Tax Map and Parcel ID is as follows 57K- any recorded plat; any and all liens against said extension, one hundred (100) feet more HAVE NO FURTHER RECOURSE AGAINST THE MALLORY DEAN A-004.00 said property for unpaid property taxes; any or less, to the Point of beginning. GRANTOR, THE GRANTEE, OR THE TRUSTEE. The sale held pursuant to this Notice may Parcel ID Number: 057K A 004 restrictive covenants, easements or set-back Source of Grantors title is Warranty Deed OTHER INTERESTED PARTIES: MIDLAND FUND- be rescinded at the Successor Trustee’s option Address/Description: 206 Daisy Avenue, lines that may be applicable; any prior liens or being recorded simultaneously herewith, ING LLC AND CITIBANK NA/HOME DEPOT at any time. The right is reserved to adjourn Soddy Daisy, TN 37379. encumbrances as well as any priority created being the last document of record. C/O MIDLAND FUNDING LLC AND INTERNAL the day of the sale to another day, time, and Current Owner(s): Rhonda G Shepherd and by a fixture filing; a deed of trust; and any mat- SUBJECT To any governmental zoning and REVENUE SERVICE Continued on page 24 husband Robert Glenn Shepherd. ter than an accurate survey of the premises subdivision ordinances or regulations in THIS IS AN ATTEMPT TO COLLECT A DEBT AND Page 24 Public Notices June 29 - July 5, 2018 www.HamiltonCountyHerald.com Foreclosure Notices WHEREAS, the beneficial interest of Tax ID: 076O A 016.00 CITY OF CHATTANOOGA, HAMILTON COUNTY, the successor trustee. The sale is free from all Continued from page 23 said Deed of Trust was last transferred and Commonly known as 9106 Harrison Bay Rd, TENNESSEE: LOT EIGHTEEN (18), BLOCK TWO exemptions, which are expressly waived in the assigned to WILMINGTON SAVINGS FUND Harrison, TN 37341 (2) OF COULTERS ADDITION, TO EAST END AS Deed of Trust, said property being real estate place certain without further publication, upon SOCIETY, FSB, AS TRUSTEE OF STANWICH The street address and parcel number(s) SHOWN ON RECORDED PLAT IN PLAT BOOK situated in Hamilton County, Tennessee, and announcement at the time and place for the MORTGAGE LOAN TRUST A, the party entitled of the above described property are believed 2, PAGE 9, REGISTER`S OFFICE OF HAMILTON being more particularly described as follows: sale set forth above. In the event of inclem- to enforce said security interest; and having to be correct; however, such references are not COUNTY, TENNESSEE, EXCEPT THAT 10-FOOT In the First Civil District formerly the Second ent weather, the trustee hereby announces appointed Clear Recon LLC, the undersigned, a part of the legal description of the property STRIP RESERVED OFF FROM THE WEST END Civil District of Hamilton County, Tennes- that the sale will be postponed for a period of as Substitute Trustee by instrument filed or sold herein, and, in the event of any discrep- OF THE LOT HEREIN CONVEYED FOR THE see: Lot Eighty-three (83), Fourth (4th) two weeks. In such situations, notices will be being filed for record in the Register’s Office ancy, the legal description herein shall control USE AS PART OF A 20-FOOT ALLEY EXTEND- Unit, Lake Hills Subdivision, as shown by mailed to interested parties of record. W&A of Hamilton County, Tennessee, with all of the Current Owner(s) of Property: Flora Orr ING FROM THE NORTH LINE OF THIS LOT plat recorded in Plat Book 19, Page 31, of No. 330873 rights, powers, and privileges of the original Hughes SOUTH TO OLD 17TH STREET. SUBJECT TO the Register’s Office of Hamilton County, DATED June 20, 2018 Trustee named in said Deed of Trust. Other Interested Parties: Charles F. Hughes; RESTRICTIONS, RESERVATIONS, EASEMENTS, Tennessee. SUBJECT To any governmen- WILSON & ASSOCIATES, P.L.L.C., NOW, THEREFORE, notice is hereby given Estate of Charles F. Hughes; Heir(s) of COVENANTS, OIL, GAS OR MINERAL RIGHTS tal zoning and subdivision ordinances or Successor Trustee that the entire indebtedness has been declared Charles F. Hughes, if any; Estate of Flora OF RECORD, IF ANY. regulations in effect thereon. SUBJECT To June 29, July 6, 13, 2018 Fnr19246 due and payable as provided in said Deed of Orr Hughes; Heir(s) of Flora Orr Hughes, if Street Address: The street address of the restrictions recorded in Book 1236, Page Trust, and that the undersigned, Clear Recon any; Flora Hughes; Estate of Flora Hughes; property is believed to be 4315 13th Avenue, 567, in the Register’s Office of Hamilton NOTICE OF TRUSTEE’S SALE LLC, as Substitute Trustee or his duly appointed Heir(s) of Flora Hughes, if any; GMAC, LLC. Chattanooga, TN 37407 but such address is County, Tennessee; but omitting any cov- WHEREAS, default has occurred in the agent, by virtue of the power, duty, and author- This sale is subject to tenant(s)/ not part of the legal description of the prop- enant or restriction based on race, color, performance of the covenants, terms, and ity vested and imposed upon said Substitute occupant(s) rights in possession. erty. In the event of any discrepancy, the legal religion, sex, handicap, familial status or conditions of a Deed of Trust Note dated March Trustee will, on July 26, 2018, at 11:00 AM, This sale is subject to all matters shown on description herein shall control. national origin unless and only to the extent 30, 2015, and the Deed of Trust of even date local time, at the front steps of the West Side any applicable recorded plat; any unpaid Map/Parcel Number: 168J H 025 that said covenant (a) is exempt under securing the same, recorded April 2, 2015, in Entrance of the Hamilton County Courthouse, taxes; any restrictive covenants, easements, Current owner(s) of Property: Darleen Hollaway Chapter 42, Section 3607 of the United Book No. GI 10435, at Page 300, in Office of located in Chattanooga, Tennessee, proceed or setback lines that may be applicable; This sale is subject to all matters shown on States Code or (b) relates to handicap but the Register of Deeds for Hamilton County, to sell at public outcry to the highest and any statutory rights of redemption of any any applicable recorded Plat or Plan; any does not discriminate against handicapped Tennessee, executed by Lloyd Carter Denton, best bidder for cash or certified funds ONLY, governmental agency, state or federal; any unpaid taxes and assessments; any restric- persons. SUBJECT To restrictions recorded III and Erica M. Denton, conveying certain the following described property situated in prior liens or encumbrances as well as any tive covenants, easements or setback lines in Book 1339, Page 292, in the Register’s property therein described to Arnold M. Weiss Hamilton County, to wit: priority created by a fixture filing; and to that may be applicable; rights of redemption, Office of Hamilton County, Tennessee, and as Trustee for Wells Fargo Bank, N.A.; and the The land referred to herein below is situated any matter that an accurate survey of the equity, statutory or otherwise, not otherwise as modified by deed recorded in Book undersigned, Wilson & Associates, P.L.L.C., in the County of Hamilton, State of Tennes- premises might disclose. In addition, the waived in the Deed of Trust, including rights of 1615, Page 383, in said Register’s Office; having been appointed Successor Trustee by see, and is described as follows: following parties may claim an interest in the redemption of any governmental agency, state but omitting any covenant or restriction Wells Fargo Bank, NA. THE FOLLOWING REAL ESTATE IN THE above-referenced property: Flora Orr Hughes; or federal; and any and all prior deeds of trust, based on race, color, religion, sex, handicap, NOW, THEREFORE, notice is hereby given SECOND CIVIL DISTRICT OF HAMILTON Charles F. Hughes; Estate of Charles F. liens, dues, assessments, encumbrances, familial status or national origin unless and that the entire indebtedness has been declared COUNTY, TENNESSEE LOCATED IN THE Hughes; Heir(s) of Charles F. Hughes, if any; defects, adverse claims and other matters that only to the extent that said covenant (a) due and payable; and that an agent of Wilson & NORTHEAST QUARTER OF SECTION NINE Estate of Flora Orr Hughes; Heir(s) of Flora may take priority over the Deed of Trust upon is exempt under Chapter 42, Section 3607 Associates, P.L.L.C., as Successor Trustee, by (9), TOWNSHIP FOUR (4), RANGE THREE Orr Hughes, if any; Flora Hughes; Estate of which this foreclosure sale is conducted or of the United States Code or (b) relates to virtue of the power, duty, and authority vested (3), WEST OF THE BASIS LINE, OCOEE DIS- Flora Hughes; Heir(s) of Flora Hughes, if are not extinguished by this Foreclosure Sale. handicap but does not discriminate against in and imposed upon said Successor Trustee, TRICT, AND BEING A PART OF THE TRACTS any; GMAC, LLC. THE PROPERTY IS SOLD WITHOUT ANY REPRE- handicapped persons. SUBJECT To sixteen by Wells Fargo Bank, NA, will, on July 26, 2018 CONVEYED TO A.D. ENGLAND, TRUSTEE, BY If the United States or the State of Tennes- SENTATIONS OR WARRANTIES, EXPRESSED OR (16) foot utility easement, the center line on or about 10:00 AM, at the Hamilton County DEEDS RECORDED IN BOOK 1114, PAGE see have any liens or claimed lien(s) on the IMPLIED, RELATING TO TITLE, MARKETABILITY being the South line of the above described Courthouse, Chattanooga, Tennessee, offer 451, BOOK 1229, PAGE 145, AND BOOK Property, and are named herein as interested OF TITLE, POSSESSION, QUIET ENJOYMENT tract, as shown by dotted lines on said plat. for sale certain property hereinafter described 1256, PAGE 486, IN THE REGISTERS OF- parties, timely notice has been given to the ap- OR THE LIKE AND FITNESS FOR A GENERAL SUBJECT To all notes, information, restric- to the highest bidder FOR certified funds paid FICE OF HAMILTON COUNTY, TENNESSEE, plicable governmental entity, and the sale will be OR PARTICULAR USE OR PURPOSE. The title tions, easements, and encumbrances as at the conclusion of the sale, or credit bid from BEING MORE PARTICULARLY DESCRIBED subject to any applicable rights of redemption is believed to be good, but the undersigned shown on said subdivision plat. a bank or other lending entity pre-approved by AS FOLLOWS: BEGINNING AT A POINT IN held by the entity as required by 26 U.S.C. § will sell and convey only as Substitute Trustee. ALSO KNOWN AS: 4816 Shorewood Drive, the successor trustee. The sale is free from all THE SOUTHEASTERN LINE OF OLD BIRCH- 7425 and/or Tennessee Code § 67-1-1433. The right is reserved to adjourn the sale to Chattanooga, TN 37416 exemptions, which are expressly waived in the WOOD PIKE, NOW KNOWN AS HARRISON All right and equity of redemption, statu- another time certain or to another day, time, This sale is subject to all matters shown Deed of Trust, said property being real estate BAY ROAD, AT THE SOUTHWESTERN OR tory and otherwise, homestead, and dower and place certain, without further publication on any applicable recorded plat; any unpaid situated in Hamilton County, Tennessee, and MOST WESTERN CORNER OF THE TRACT are expressly waived in said Deed of Trust, upon announcement on the day, time, and taxes; any restrictive covenants, easements, being more particularly described as follows: CONVEYED TO C.C. HIXSON, TRUSTEE BY and the title is believed to be good; however, place of sale set forth above or any subsequent or setback lines that may be applicable; any IN THE THIRD CIVil DISTRICT OF HAMILTON A.D. ENGLAND, TRUSTEE BY DEED RE- the undersigned will sell and convey only as adjourned day, time, and place of sale. statutory rights of redemption of any govern- COUNTY, TENNESSEE: Lot Twelve (12), CORDED IN BOOK 1455, PAGE 407, IN SAID Substitute Trustee. If you purchase a property at the foreclosure mental agency, state or federal; any prior liens Meadow View Addition, as shown by plat of REGISTERS OFFICE; THENCE SOUTH 49 The transfer shall be AS IS, WHERE IS, AND sale, the entire purchase price is due and or encumbrances as well as any priority created record in Plat Book 13, Page 2, in the Regis- DEGREES 30 MINUTES EAST, ALONG THE WITH ALL FAULTS, and without warranties of any payable at the conclusion of the auction in the by a fixture filing; and to any matter that an ac- ter’s Office of Hamilton County, Tennessee. SOUTHWESTERN LINE OF THE C.C. HIXSON, kind, express or implied, as to the condition form of a certified check made payable to or curate survey of the premises might disclose. THIS CONVEYANCE MADE SUBJECT TO THE TRUSTEE TRACT 141.6 FEET TO AN OLD of the Property and the improvements located endorsed to Padgett Law Group. No personal In addition, the following parties may claim FOLLOWING: Any governmental zoning and IRON PIN IN THE EXTREME SOUTHERN thereon, including merchantability or fitness checks will be accepted. To this end, you must an interest in the above- referenced property: subdivision ordinances in effect thereon. CORNER OF SAID TRACT; THENCE NORTH for particular purpose. Trustee shall make no bring sufficient funds to outbid the lender and ROBERT L. YEARBY Conditions and easements contained in 28 DEGREES 52 MINUTES EAST ALONG THE covenant of seisin or warranty of title, express any other bidders. Insufficient funds will not be The sale held pursuant to this Notice may document of record in Book 2116, Page SOUTHEAST LINE OF THE C.C. HIXSON, or implied, and will sell and convey the subject accepted. Amounts received, in excess of the be rescinded at the Successor Trustee’s option 186, in the Register’s Office of Hamilton TRUSTEE TRACT AS DESCRIBED IN BOOK real property by Substitute Trustee’s Deed only. winning bid will be refunded to the successful at any time. The right is reserved to adjourn County, Tennessee. All notes, stipulations, 1455, PAGE 407, AND CONTINUING ALONG The right is reserved to adjourn the day purchaser at the time the foreclosure deed the day of the sale to another day, time, and restrictions, easements, conditions, and THE SOUTHEASTERN LINE OF TRACT of the sale to another day, time, and place is delivered. place certain without further publication, upon regulations as shown, described or noted CONVEYED TO C.C. HIXSON, TRUSTEE, certain without further publication, upon an- This property is being sold with the express announcement at the time and place for the on recorded plat. BY DEED RECORDED IN BOOK 1473, nouncement at the time and place for the sale reservation that the sale is subject to confirma- sale set forth above. In the event of inclem- ALSO KNOWN AS: 130 Meadowview Lane, PAGE 634, IN SAID REGISTERS OFFICE, set forth above. tion by the lender or trustee. This sale may be ent weather, the trustee hereby announces Soddy Daisy, TN 37379 A TOTAL DISTANCE OF 201 FEET TO THE This property is being sold with the express rescinded by the Substitute Trustee at any time. that the sale will be postponed for a period of This sale is subject to all matters shown NORTHWESTERN CORNER OF THE TRACT reservation that the sale is subject to confirma- THIS IS AN ATTEMPT TO COLLECT A DEBT, AND two weeks. In such situations, notices will be on any applicable recorded plat; any unpaid CONVEYED TO A.D. ENGLAND, TRUSTEE, tion by the lender or trustee. This sale may be ANY INFORMATION OBTAINED WILL BE USED mailed to interested parties of record. W&A taxes; any restrictive covenants, easements, BY DEED RECORDED IN BOOK 1229, rescinded by the Substitute Trustee at any time. FOR THAT PURPOSE. No. 329135 or setback lines that may be applicable; any PAGE 145, IN SAID REGISTERS OFFICE, THIS OFFICE IS ACTING AS A DEBT COLLECTOR Padgett Law Group, Substitute Trustee DATED June 25, 2018 statutory rights of redemption of any govern- MARKED BY AN OLD IRON; THENCE SOUTH AND IS ATTEMPTING TO COLLECT A DEBT. ANY 6267 Old Water Oak Road, Suite 203 WILSON & ASSOCIATES, P.L.L.C., mental agency, state or federal; any prior liens 51 DEGREES 18 MINUTES EAST ALONG INFORMATION OBTAINED WILL BE USED FOR Tallahassee, Florida 32312 Successor Trustee or encumbrances as well as any priority created THE NORTHEASTERN LINE OF THE TRACT THAT PURPOSE. PH: (850) 422-2520 June 29, July 6, 13, 2018 Fnr19254 by a fixture filing; and to any matter that an ac- CONVEYED BY SAID DEED OF RECORD IN Clear Recon LLC FX: (850) 422-2567 curate survey of the premises might disclose. BOOK 1229, PAGE 145, AFORESAID, 145.9 Substitute Trustee PLG# 18-004653 NOTICE OF TRUSTEE’S SALE In addition, the following parties may claim FEET TO THE NORTHEASTERN CORNER OF 5751 Uptain Road June 29, July 6, 13, 2018 Fnr19251 WHEREAS, default has occurred in the an interest in the above- referenced property: SAID TRACT; THENCE SOUTH 33 DEGREES Suite 514 performance of the covenants, terms, and LLOYD CARTER DENTON, III WEST ALONG THE SOUTHEASTERN LINE OF Chattanooga, Tennessee 37411 NOTICE OF TRUSTEE’S SALE conditions of a Deed of Trust Note dated Febru- ERICA M. DENTON SAID TRACT 283.1 FEET TO THE SOUTH- Phone: (877) 319-8840 WHEREAS, default has occurred in the ary 22, 2007, and the Deed of Trust of even CACH, LLC ERN CORNER THEREOF, MARKED BY AN File No: 2191-752A performance of the covenants, terms, and date securing the same, recorded March 6, The sale held pursuant to this Notice may OLD IRON; THENCE SOUTH 29 DEGREES June 29, July 6, 13, 2018 Fnr19250 conditions of a Deed of Trust Note dated 2007, in Book No. GI 8261, at Page 881, and be rescinded at the Successor Trustee’s op- 47 MINUTES WEST 78.7 FEET TO AN OLD October 31, 2007, and the Deed of Trust modified on January 17, 2017, In Book No. Gi tionat any time. The right is reserved to adjourn IRON IN THE SOUTHERN LINE OF TRACT SUBSTITUTE TRUSTEE’S SALE of even date securing the same, recorded 10953, At Page 685 in Office of the Register the day of the sale to another day, time, and CONVEYED BY C.J. WILLIAMS, TRUSTEE Sale at public auction will be on July 24, 2018 November 2, 2007, in Book No. GI 8511, at of Deeds for Hamilton County, Tennessee, ex- place certain without further publication, upon TO A.D. ENGLAND AND WIFE, BY DEED at 10:00 a.m., local time, at the West Door Page 705, in Office of the Register of Deeds ecuted by Jeffrey Hunter, Sr and Stacey Hunter, announcement at the time and place for the RECORDED IN BOOK 1256, PAGE 486, IN of the Hamilton County Courthouse, 625 for Hamilton County, Tennessee, executed conveying certain property therein described to sale set forth above. In the event of inclem- SAID REGISTERS OFFICE; THENCE ALONG Georgia Avenue, Chattanooga, TN 37402, by Robert L. Yearby and Robert Lee Yearby, Knoxville Builders Escrow Services as Trustee ent weather, the trustee hereby announces THE SOUTHERN LINE OF SAID TRACT, pursuant to Deed of Trust executed by Sheri conveying certain property therein described for Mortgage Electronic Registration Systems, that the sale will be postponed for a period of NORTH 52 DEGREES 26 MINUTES WEST Darleen Hollaway a/k/a Darleen Hollaway, to Northgate Title Escrow, Inc as Trustee for Inc., as nominee for Taylor, Bean & Whitaker two weeks. In such situations, notices will be 305 FEET, MORE OR LESS, TO THE EAST- to FMLS, INC., as Trustee for Regions Bank Mortgage Electronic Registration Systems, Mortgage Corp., its successors and assigns; mailed to interested parties of record. W&A ERN LINE OF SAID HARRISON BAY ROAD; dated August 10, 2018, of record in Book GI Inc., as nominee for American Home Mortgage and the undersigned, Wilson & Associates, No. 330987 THENCE NORTHEASTWARDLY ALONG THE 9731, Page 276, in the Register’s Office for Company, its successors and assigns; and the P.L.L.C., having been appointed Successor DATED June 21, 2018 EASTERN OR SOUTHEASTERN CURVE LINE Hamilton County, Tennessee (“Deed of Trust”), undersigned, Wilson & Associates, P.L.L.C., Trustee by MidFirst Bank. WILSON & ASSOCIATES, P.L.L.C., OF HARRISON BAY ROAD 192 FEET TO conducted by Padgett Law Group, having been having been appointed Successor Trustee by NOW, THEREFORE, notice is hereby given Successor Trustee THE POINT OF BEGINNING, REFERENCE IS appointed Substitute Trustee, all of record in Selene Finance, LP. that the entire indebtedness has been declared June 29, July 6, 13, 2018 Fnr19248 MADE FOR PRIOR TITLE TO BOOK 1478, the Hamilton County Register’s Office. Default NOW, THEREFORE, notice is hereby given due and payable; and that an agent of Wilson & PAGE 591, IN THE REGISTERS OFFICE OF in the performance of the covenants, terms, that the entire indebtedness has been declared Associates, P.L.L.C., as Successor Trustee, by NOTICE OF SUBSTITUTE TRUSTEE`S SALE HAMILTON COUNTY, TENNESSEE. and conditions of said Deed of Trust has been due and payable; and that an agent of Wilson & virtue of the power, duty, and authority vested WHEREAS, default has occurred in the BEING THE SAME FEE SIMPLE PROPERTY made; and the entire indebtedness has been Associates, P.L.L.C., as Successor Trustee, by in and imposed upon said Successor Trustee, performance of the covenants, terms, and CONVEYED BY DEED FROM C.R. BELCHER, declared due and payable. virtue of the power, duty, and authority vested by MidFirst Bank, will, on August 23, 2018 on conditions of a Deed of Trust dated May 14, SR. and CORINNE S. BELCHER HUSBAND Party entitled to enforce the debt: Regions Bank in and imposed upon said Successor Trustee, or about 10:00 AM, at the Hamilton County 2007, executed by Flora Orr Hughes to Amy AND WIFE TO FLORA ORR HUGHES and The hereinafter described real property located by Selene Finance, LP, will, on July 26, 2018 on Courthouse, Chattanooga, Tennessee, offer Ward, Trustee, for CitiFinancial Services, Inc., CHARLES F. HUGHES** HUSBAND AND in Hamilton County will be sold to the highest or about 10:00 AM, at the Hamilton County for sale certain property hereinafter described its successors and assigns, and appearing WIFE, DATED 11/23/1970 RECORDED ON call bidder subject to all unpaid taxes, prior Courthouse, Chattanooga, Tennessee, offer to the highest bidder FOR certified funds paid of record on May 16, 2007, in the Register’s 11/23/1970 IN BOOK 1933, PAGE 106 IN liens and encumbrances of record:. for sale certain property hereinafter described at the conclusion of the sale, or credit bid from Office of Hamilton County, Tennessee, at Book HAMILTON COUNTY RECORDS, STATE OF TN. Legal Description: A CERTAIN TRACT OF to the highest bidder FOR certified funds paid a bank or other lending entity pre-approved by GI 8340 Page 620 and Instrument Number CHARLES F. HUGHES HAVING SINCE PASSED LAND IN HAMILTON, COUNTY, TENNESSEE, at the conclusion of the sale, or credit bid from the successor trustee. The sale is free from all 2007051600126. AWAY ON MARCH 02, 2000. DESCRIBED AS FOLLOWS: LOCATED IN THE a bank or other lending entity pre-approved by exemptions, which are expressly waived in the June 29 - July 5, 2018 Public Notices Page 25 www.HamiltonCountyHerald.com

Deed of Trust, said property being real estate returned unserved, and an attachment issued Heather Nolan complaint of the plaintiff, Preeyawan Durham, Wednesday, July 11, 2018, 9:30 AM, Agenda situated in Hamilton County, Tennessee, and and was levied upon certain property or money. Deputy Clerk for divorce and serve a copy of your answer Preparation Session. being more particularly described as follows: IT IS ORDERED that publication be made Attorney for Plaintiff: upon the undersigned attorneys for plaintiff, Wednesday, July 18, 2018, 9:30 AM, Regular Lot 63, Ridgeview Place, of record in Plat requiring the defendant to appear at the time Curtis Lee Bowe Preeyawan Durham, at their office below stated; Meeting. Book 14, Page 54, in the Register’s Office and place stated above and defend this suit, June 15, 22, 29, July 6, 2018 Cnr19203 and in case of your failure so to do, judgment Committee Meetings of Hamilton County, Tennessee. THIS CON- or a judgment by default may be entered will be rendered against you according to the Board of Commissioners Committees may VEYANCE MADE SUBJECT TO THE FOLLOW- against him. This Order shall be published in Public Notice demand of the complaint, which has been filed meet prior to said meetings at 8:30 AM and/ ING Restrictions as set out in instrument a newspaper by this County as required by law. IN THE CHANCERY COURT OF WARREN with the clerk of court. or immediately following said meetings. recorded m Book 797, Page 549, in the LARRY L. HENRY, CLERK COUNTY, TENNESSEE June 15, 22, 29, 2018 Cnr19207 Meeting Locations: Register’s Office of Hamilton County, Ten- Kim Emmett, Deputy Clerk CASE NO. 677-A Regular and Agenda meetings, Courthouse, nessee. Subject to all notes, stipulations, Attorney for Plaintiff: In Re: L.A.G. and K.J.G., minor children Public Notice Room 402, 625 Georgia Avenue, Chattanooga, restrictions, easements, conditions, and Mayfield and Lester ZACHARY EUGENE GARDENHIRE and The State of Tennessee to Brandon Deshun Tennessee regulations as set out on recorded plat June 8, 15, 22, 29, 2018 Cnr19188 WILLIAM PATRICK FRIERSON AND WIFE, LOU Hardy: In the matter of AUDREY GAIL HIGH v. Committees, 8:30 AM meetings, County Any governmental zoning and subdivision ANDREA FRIERSON BRANDON DESHUN HARDY, ET AL: It appears Commission Office, Room 401, County Court- ordinances in effect thereon. Non-Resident Notice v. MELIA NICOLE HARRINGTON that service of process cannot be had on you in house. Committees, after Regular meetings, ALSO KNOWN AS: 5011 Club Drive, Chat- State of Tennessee, County of Hamilton It appears that process is unable to be Hamilton County, Tennessee or that you are now Commission Conference room adjacent to tanooga, TN 37411 Docket No. 18D1185 served on Melia Nicole Harrington, mother of a nonresident of Tennessee. Therefore, under Room 402, County Courthouse. This sale is subject to all matters shown DIVISION L.A.G. and K.J.G., and said Respondent cannot the authority contained in Sections 21-1-203 To discuss auxiliary aids or services needed on any applicable recorded plat; any unpaid JOHN CHARLES SEIFFERT be located to effectuate service of process through 21-1-205 of the Tennessee Code An- to facilitate participation, those with disabili- taxes; any restrictive covenants, easements, VS upon the person. notated, it has been ORDERED by the Court that, ties may contact the ADA Coordinator, Equal or setback lines that may be applicable; any SHEILA MARIE HURST SEFFERT The Respondent, Melia Nicole Harrington, you are hereby summoned to appear within 30 Employment Opportunity Officer Ken Jordan, statutory rights of redemption of any govern- It is appearing from allegations in Plaintiff’s Mother, is hereby required to appear and days after the date of the last publication of 317 Oak Street, Suite 220, Chattanooga, mental agency, state or federal; any prior liens Bill, which is sworn to, that the defendant is a answer or otherwise defend against the Peti- this summons, to wit within 30 days after June Tennessee, 37403, (423) 209-6146. Hearing or encumbrances as well as any priority created non-resident of the State of Tennessee, so that tion for Adoption and Termination by Zachary 29, 2018 and defend the above-entitled action impaired callers may use the Tennessee Relay by a fixture filing; and to any matter that an ac- the ordinary process of law cannot be served Eugene Gardenhire, whose attorney is Russell in the above-entitled court, and answer the Service, (800) 848-0298 or (423) 209-6131. curate survey of the premises might disclose. upon SHEILA MARIE SEFFERT. Anne Swafford, Esq., P.O. Box 758, Dunlap, Ten- complaint of the plaintiff, Audrey Gail High, for W.F. (Bill) Knowles In addition, the following parties may claim IT IS ORDERED that publication be made for nessee, 37327, and William Patrick Frierson personal injury and serve a copy of your answer County Clerk an interest in the above- referenced property: four successive weeks in the Hamilton County and wife, Lou Andrea Frierson, Pro Se within upon the undersigned attorneys for plaintiff, June 29, 2018 Mnr19257 JEFFREY HUNTER, SR Herald, a newspaper published in Hamilton 30 days after the publication of this notice, Audrey Gail High, at their office below stated; STACEY HUNTER County, Tennessee, notifying said non-resident otherwise Default Judgment may be entered and in case of your failure so to do, judgment Public Notice: SECRETARY OF HOUSING AND URBAN DE- that unless SHEILA MARIE SEFFERT answers against her for the relief demanded in the will be rendered against you according to the The regular monthly meeting of the Chatta- VELOPMENT and makes defense to said complaint in the Petition. demand of the complaint, which has been filed nooga-Hamilton County Regional Planning The sale held pursuant to this Notice may offices of the Circuit Court Clerk of Hamilton IT IS FURTHER ORDERED that this notice with the clerk of court. Commission will be held on Monday, July 9, be rescinded at the Successor Trustee’s option County, Tennessee, within thirty (30) days after shall be published in the Hamilton County June 15, 22, 29, 2018 Cnr19208 2018 at 1:00 p.m. in The County Commission at any time. The right is reserved to adjourn the fourth weekly publication of this order, the Herald for four (4) consecutive weeks, and a Room of the Courthouse, Fourth Floor, Room the day of the sale to another day, time, and same will be taken as admitted by SHEILA hearing date set for 8/14/2018 in the Chan- 402, located at 625 Georgia Avenue, Chat- place certain without further publication, upon MARIE SEFFERT and the case will be set for cery Court in Warren County at 9:00 a.m. (CDT) Misc. tanooga, TN 37402 announcement at the time and place for the hearing ex parte or without SHEILA MARIE for the relief demanded in the Petition should John Bridger sale set forth above. In the event of inclem- SEFFERT presence. the Respondent fail to appear and answer or Notices Chattanooga-Hamilton County ent weather, the trustee hereby announces This 4th day of June 2018w. otherwise defend. Regional Planning Commission that the sale will be postponed for a period of Larry L. Henry Signed this 1st day of June, 2018 June 29, 2018 Mnr19249 two weeks. In such situations, notices will be Circuit Court Clerk HONORABLE LARRY B. STANLEY, JR. Public Notice mailed to interested parties of record. W&A J. Wheeler, D.C. CHANCELLOR COMMUNITY RECONCILIATION, INC PUBLIC NOTICE No. 331122 Deputy Clerk ENTER this the 1st day of June 2018 NOTICE OF DISSOLUTION The following vehicles will be up for auction DATED June 25, 2018 Attorney for Plaintiff: Entered: Community Reconciliation, Inc., a Ten- in or around Chattanooga, TN on or after WILSON & ASSOCIATES, P.L.L.C., Richard Brent Teeter HONORABLE LARRY B. STANLEY, JR. nessee nonprofit corporation, was dissolved 07/14/2018 at 8:00am- Eric’s Wrecker Successor Trustee June 15, 22, 29, July 6, 2018 Cnr19202 APPROVED FOR ENTRY: pursuant to a Notice of Dissolution filed with & Junk Cars 3601 Clio Ave- 2006 Dodge June 29, July 6, 13, 2018 Fnr19255 GREER, SWAFFORD & ADAMS the Tennessee Secretary of State on June 18, 1D7HA16K56J231581, 2007 Mercedes Non-Resident Notice BY: 2018. This notice is being published in accor- WDDDJ72X07A081092, 2003 Kia KND- State of Tennessee, County of Hamilton Russell Anne Swafford, BPR #18243 dance with T.C.A. § 48-64-108(b). Any person JD733735059884 A-Chatt Wrecker Service Docket No. 18A179 Attorney for Petitioner, Zachary Eugene having a claim against Community Reconcili- 2310 Dodds Ave- 2000 BMW WBAGH8349Y- Court DIVISION IV Gardenhire ation, Inc. must send a written notice of the DP11606, 1994 GMC 1GTEK19KXRE553023 Notices IN RE: ABBY NICOLE DANIEL The undersigned Chancery Court Clerk do claim, including the name, mailing address and R&R Auto 1705 East 34th St- 2007 Ford 1FDN- VS hereby certify that this is a true and correct telephone number of the claimant, the facts F20557EA59159 AAMCO Chattanooga 6501 UNKNOWN BIOLOGICAL FATHER copy of the original of this instrument filed supporting the claim, the amount and date of Lee Hwy- 2007 Suzuki 2S3DB417176125669 It is appearing from allegations in Plaintiff’s in this office. the claim, and any supporting documents to: Carter’s Towing & Recovery 103 Jubilee STATE OF TENNESSEE Bill, which is sworn to, that the defendant is a This the 4th day of June, 2018 Jennifer Paden Dr- 2001 Honda 2HGES155X1H599983, GENERAL SESSIONS COURT OF HAMILTON non-resident of the State of Tennessee, so that Chancery Court Clerk P.O. Box 88 2010 Kia KNAFU4A29A5863497, 2001 COUNTY the ordinary process of law cannot be served Kerrie Rigsby, D.C. Chattanooga, TN 37401. Toyota 4T1BF28B91U114562, 1978 Chevy Docket Number: 17GS8116 upon UNKNOWN BIOLOGICAL FATHER. June 15, 22, 29, July 6, 2018 Cnr19206 Any claim against Community Reconcilia- CCU1481120203, 2003 Cadillac 1G6K- Plaintiff: CITIZENS SAVINGS & LOAN IT IS ORDERED that publication be made for tion, Inc. will be barred unless a proceeding D54Y63U134134, 1992 Honda JHMB- Defendant: TRAYLOR MELISSA JEAN four successive weeks in the Hamilton County Public Notice to enforce the claim is commenced within two B225XNC023376 KC Towing 2924 Rossville Date of this Order: 05/25/2018 Herald, a newspaper published in Hamilton The State of Tennessee to Melvin Roger Dur- (2) years after the publication of this notice. Blvd- 2004 Ford 2FMDA58254BA38955, 2009 Appearance Date: 07/23/2018 County, Tennessee, notifying said non-resident ham: In the matter of PREEYAWAN DURHAM June 29, 2018 Mnr19245 Honda 1HGCS12329A022188 Brown’s Hook At 11:00 a.m. that unless UNKNOWN BIOLOGICAL FATHER v. MELVIN ROGER DURHAM: It appears that & Book 2924 Rossville Blvd- 1996 Ford 1FM- Appearance Address: Court of General Ses- answers and makes defense to said com- service of process cannot be had on you in Public Notice of Meetings CU24X3TUD42913 Unique Body Shop 1502 E. sions, Civil Division plaint in the offices of the Circuit Court Clerk Hamilton County, Tennessee or that you are now Committee Meetings and Regular Meetings 37th St- 2006 Suzuki JS1GN7DA862118736 Room 111 Hamilton County City Courts Building of Hamilton County, Tennessee, within thirty a nonresident of Tennessee. Therefore, under Hamilton County Board of Commissioners June 29, 2018 Mnr19252 600 Market Street (30) days after the fourth weekly publication of the authority contained in Sections 21-1-203 Hamilton County, Tennessee Chattanooga, TN 37402-1911 this order, the same will be taken as admitted through 21-1-205 of the Tennessee Code Anno- Pursuant to TCA 8-44-103, public meetings Public Notice ORDER OF PUBLICATION by UNKNOWN BIOLOGICAL FATHER and the tated, it has been ORDERED by the Court that, of the Hamilton County Board of Commission- These vehicles will be sold at public auction It appearing from the record in this cause case will be set for hearing ex parte or without you are hereby summoned to appear within 30 ers and Commission Committees will be held, on July 16, 2018, 9AM at 2103 Huff Pl., that the defendant is a non-resident of Ten- UNKNOWN BIOLOGICAL FATHER presence. days after the date of the last publication of and will transact such business as may lawfully Chattanooga, TN 37404: 1998 Ford, Vin# nessee, and certain property or money has This 5th day of June 2018. this summons, to wit within 30 days after June come before them. 1FTDX1764WNA01726, 2014 Nissan, Vin# been attached. Larry L. Henry 29, 2018 and defend the above-entitled action Wednesday, July 11, 2018, 9:30 AM, Recessed 3N1AB7AP4EY262817 One or more civil warrants have issued but Circuit Court Clerk in the above-entitled court, and answer the Meeting. June 29, 2018 Mnr19253

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Events [email protected] Super Crossword LESSON IN TOLERANCE by King Features Diversify Marketplace running for seats on the Hamilton County School The Chattanooga Chamber of Commerce will host Board and the Tennessee State House of Repre- its annual Diversify Marketplace on Friday, June 29. sentatives on Monday, July 9 at Orchard Knob Held at the First Tennessee Pavilion across from Missionary Baptist Church, 1734 E. Third Street, from Finley Stadium, 10 a.m.-4 p.m., the Diversify Market- 5-7:30 p.m. Wade Hinton, attorney for the City of place will feature an array of businesses and non- Chattanooga, will moderate. profi ts, including woman-owned, minority-owned, Chattanooga Heroes Run/Walk veteran-owned and more. Admission will be free. The Chattanooga Heroes Run/Walk, presented by Gateway Sculptures arrive at Blue Erlanger’s Level One Trauma Center, will take place Goose Hollow Trailhead on Saturday, July 14 beginning at 8 a.m. The event Public Art Chattanooga installed two large gateway will include a fi ve-mile loop course beginning at the sculptures this week at the Blue Goose Hollow Trail- Naval Operational Support Center and Marine Corps head on the Riverwalk. The community is invited to Reserve Center and ending at the Hubert Fry Center attend a dedication ceremony Saturday, June 30, at the Tennessee RiverPark. Parking will also be 11:30 a.m.-2 p.m. The event will feature food trucks available at the RiverPark. and a tribute to the African American history of Blue Volunteers will be needed to assist with pre-run Goose Hollow. The Blue Goose Hollow Trailhead is bag packing, set up, race activities, the kids run and located at the intersection of MLK Boulevard and post-run clean-up. The proceeds from this event Riverfront Parkway. will help to fund the construction of a permanent memorial space at the RiverPark. Information: www. Public candidate forum chattanoogaheroesrun.com The NCBW will host a public forum for candidates

Photograph courtesy of Universal Pictures

CRITIC From page 17 But I think Bayona tried too hard to make a Jurassic Park fi lm and not hard ing through the motions pervades these enough to make a J.A. Bayona fi lm. scenes as well.  ese fi lms come with certain Since the script took the Jurassic World: expectations in terms of visu- series in a logical direction, Fallen Kingdom als and action, but they don’t something along the pro- Rated PG-13 for intense give a good character-based duction line must have been sequences of sci- director like Bayona much to amiss. I believe it was Bayo- ence-fiction violence chew on. na’s direction and the lack of and peril As great as Pratt and compelling characters. Howard look running from As Bayona proved with dinosaurs, Grady and Dearing are not the 2007 horror fi lm “ e Orphanage” memorable characters. and the 2012 drama “ e Impossible,” Not even the brief appearances by he’s a skilled helmsman. Goldblum that bookend “Fallen King- He knows how to establish a tangible dom” can save the fi lm from being a rote sense of atmosphere, and he’s good at exercise in blockbuster movie-making. defi ning characters and bringing them Oh well.  e dinosaurs look amazing, to life. and that’s something.

Super Crossword puzzle solution for this week: www.hamiltoncountyherald.com Hamilton County Herald June 29 – July 5, 2018 | 27

WHEEL From page 19 licensed. In California, for example, there is only one li- with an online car valuation censed online escrow company tool from Edmunds, Kelley whose services are available to Blue Book or NADA guides. the general public: Escrow.com. If the price is too low, that’s a n Don’t give out your finan- tip-off. n cial or personal information, Avoid sellers who refuse such as a credit card number to talk by phone, meet in per- or bank account information, son or let you physically inspect until you verify that the online the vehicle before the purchase. n escrow company you’re using is Be wary if a seller insists legitimate. on using a particular online n Stay far away if the seller escrow company. It’s likely an wants some unusual form of attempt to steer you toward a payment, such as gift cards, fraudulent site. n iTunes cards, or money sent via Check any shopping or Western Union. escrow site’s URL carefully. If you think you’ve been e company’s name and its the victim of online car-buy- domain (usually .com, as in ing fraud, contact your bank Autotrader.com or Edmunds. immediately to see if it can com) should appear at the end reverse the fund transfer. of the URL or just before any en file a report with Photograph provided forward slash. A fake Edmunds the FBI’s Internet Crime Hamilton County Mayor Jim Coppinger attends the opening ceremonies June 25. “While I no longer ride horses domain, for example, would be: Complaint Center (www. like I did as a young boy, I’m thrilled for the riders who will get to enjoy Hamilton County’s newest asset,” he www.edmunds.com.us.info-ve- ic3.gov/default.aspx) and says. hicle.com. n the Federal Trade Commis- Don’t rely on any site sion’s Complaint Assistant link the seller supplies. Enter (www.ftccomplaintassistant. the company’s name in a web gov/GettingStarted?Nex- Horse trails now open at browser yourself, visit the site, tQID=213&Url=%23%26pan- and see if it actually provides el1-2#crnt). the services the seller says it Edmunds says Enterprise South Nature Park does. n Be careful if you’re offered Be vigilant when you’re Hamilton County government, in part- the city. a vehicle protection program. shopping online for pri- nership with the City of Chattanooga, has e new facility includes a 40,000-square- eBay Motors has such a pro- vate-party cars. Scammers are completed the new Enterprise South Nature foot parking lot, a waterless restroom, two gram, but only for transactions sophisticated and highly moti- Park’s Summit Knobs Equestrian Trails. water trough stations, mile-marker trail that take place on the eBay Mo- vated to get your money. e trails, which cover 10 miles of diverse posts, an information kiosk with trail maps tors website. If you’re shopping terrain, were funded by a $230,000 grant and (of course) a hitching post. Hours of op- elsewhere and the seller says Carroll Lachnit is a senior provided by the Tennessee Department of erations are 7 a.m. to one-hour prior to dusk eBay is supplying that protec- consumer advice editor at Ed- Environment and Conservation’s Local Parks or as posted due to trail conditions. tion, it’s a fraud. munds. Twitter: @clachnit. and Recreation Fund, along with $230,000 in Source: Hamilton County government n Ensure that any escrow matching funds split between the county and company you use is properly

BUSINESS From page 14 state, granted LAET just over everything because they had and began accepting clients vice program and only a few $100,000 each for 2017 and tried to start a business without about six months later. have come to the seminars A fan of small businesses, 2018. the education and resources Standifer currently has ten Standifer teaches, perhaps due Fox decided to pilot WMB in Once LAET had the money they needed to do it properly,” full-service clients, including to a lack of information in the Chattanooga – a city that hums in hand, Fox asked Standif- Standifer says. “at struck me six open businesses: 423 St. appropriate circles. Standifer with entrepreneurial spirit. er, a Chattanooga native and as tragic. ese people were Francis, a clothing boutique plans to rectify this by reaching She applied for the Bank of Vermont Law School graduate, trying to build something only on MLK; Peace Strength Yoga; out to the local organizations America money based on two if she would like to develop and for it to bite them out of the Dee’Sign Nail Salon in High- that serve veterans. criteria: helping small business run the program. blue.” way 58; Grand Finale Events In addition, 32 companies thrive would be good for the Standifer was working as a Standifer saw WMB as an & Décor; and Chattanooga have attended a WMB seminar, local economy, which in turn financial advisor for Merrill opportunity for her to marry Paddleboards. during which Standifer teaches would prevent foreclosures and Lynch when Fox offered her her legal and financial skills and Most of Standifer’s clients business basics. help to redevelop the commu- the job. She jumped at the help cash-strapped business are women, with minority “ey don’t leave experts nity in the wake of the recent opportunity. owners succeed rather than women leading the charge. on business law but they know recession. “It was the perfect fit. I end up in misfortune and WMB has one minority male which questions they should be e Tennessee Bar Foun- began my career working in heartbreak. on the books, as well. asking,” she says. dation, which administers the bankruptcy court, where I had She started putting together However, no veterans have Standifer adds that any Bank of America money in the a couple clients who had lost the program in January 2017 taken advantage of the full-ser- See BUSINESS, page 28

REALTORS From page 15 pays $4,147.20 in water quality tunity to work with the city for Real Estate.” As “e Voice fees. Under the city of Chatta- of Chattanooga and other for Real Estate in Greater Chat- Greater Chattanooga Real- and that once again, the city of nooga’s proposed increase, that stakeholders regarding issues tanooga,” my fellow Realtors tors is “ e Voice for Real Estate Chattanooga will be left search- business owner will see that fee that impact development and and I promise you – our fami- in Greater Chattanooga.” A re- ing for new revenue streams. skyrocket to $6,607.44 in 2023. homeownership. Issues such as lies, friends and neighbors – to gional organization with more ere’s no doubt that higher To recoup the added costs, an increase in stormwater and continue to fight to protect the than 2,000 members, Greater stormwater and land develop- the owner will need to increase land development fees should American dream of homeown- Chattanooga Realtors is one of ment fees will impact the citi- the cost of renting the units. be a conversation we have ership and housing affordabili- some 1,300 local boards and zens of Chattanooga. Although I shared the following today, not four or five years ty in our region. associations of Realtors nation- the city continues to say the request on behalf of Greater from now, when it will likely It’s my hope that the city wide that comprise the Na- development community will Chattanooga Realtors at Tues- be too late to recover from the of Chattanooga will be more tional Association of Realtors. be assessed the increased devel- day’s City Council’s meeting: damage these increase fees transparent in their budgeting Greater Chattanooga Realtors opment fees, let’s call a spade “Vote against a budget with might cause. and decision-making process service Hamilton and Se- a spade. Ultimately, those fees this fee increase included or As home prices continue to so proper due diligence can be quatchie counties in southeast will fall to those purchasing remove the fee increase from rise in the city of Chattanooga, done by stakeholders and resi- Tennessee and Catoosa, Dade homes, goods and services. the budget to allow the issue to the dream of homeownership dents can be fiscally prepared. and Walker counties in north- Let’s say a business own- be addressed separately from will continue to dim for many. Transparency will lead to trust west Georgia. er with a property including the city’s 2019 budget.” e National Association of and confidence in the city’s Information: www.gcar.net; storage units with 36 Equiva- We welcome the oppor- Realtors’ tagline is “e Voice decisions and leadership. 423 698-8001 lent Residential Units currently 28 | June 29 – July 5, 2018 Hamilton County Herald www.hamiltoncountyherald.com

Photographs provided Ruby Falls Village Plaza Ruby Falls introduces new venues, guest services Ruby Falls has unveiled new venues and guest amenities follow- ing a multimillion-dollar renovation. Highlights include a new entrance and ticket atrium with expanded guest services, the Blue Heron Overlook, which offers a bird’s eye view of the valley, seasonal food carts with shaded open-air dining and the Village Gift Shop. Ruby Falls Village Plaza connects these venues. New guest amenities include timed-entry ticketing. Visitors can now purchase their ticket ahead of time and select when they want to check-in for their cave tour. e number of visitors to Ruby Falls tops 500,000 annually. e destination is part of the tourism industry in Tennessee, which brings in nearly $20 billion a year in economic impact. Source: Ruby Falls

Village Gift Shop, above and, at left, Blue Heron Overlook

BUSINESS From page 27 WMB steering committee made graduate from the program and Likewise, Standifer is looking Moves Mountains East Coast up of local attorneys, including begin paying a business attor- forward to many years of giving on Indiegogo.) company or organization can Richard Faulkner, Jr., Ted Ray- ney for his or her services. qualifying women, minority But she says she’ll get there. approach her about hosting a nor and John McGehee from “Being able to afford your and veteran business owners For now, she’s simply enjoying seminar. Baker Donelson and J. Nelson own attorney is a huge mile- the knowledge, confidence and the peace of mind that comes Standifer wants other law Irvine from Chambliss Bahner. stone for your business,” Stan- help they need to move for- with having a business attorney. firms and solo practitioners “Our clients are not people difer says. ward and create something that “It’s a relief to be able to say, to understand that WMB is who would have come to you,” Fox says she hopes WMB will benefit themselves, their ‘Let me ask my attorney and not taking money out of their Standifer explains. “ey could has a long and fruitful future in families and their community. I’ll get back to you,’ knowing pockets. not have paid your bill.” Chattanooga, although that will Manning has a lot of moun- Whitney will have the answer,” To make sure the program e goal of WMB, however, depend on continually secur- tain left to climb before she’s she says. “I’m not alone in the isn’t competing with the local is to help clients succeed and ing new funding to keep the at that point. (She’s currently dark anymore. Someone I trust bar, Standifer consults with a reach a point where they can program solvent. hosting a fundraiser for She has my back.”