HCH020615.indd - Chattanooga Bar Association

By David Laprad

As the citizens of Chattanooga take a fresh look at their vision for downtown, and work to en-sure the city’s zoning code is in line with what they want, Realtors have an unprecedented opportu-nity to have a hand in shaping the communities in which they do business.

�e Chattanooga-Hamilton County Regional Planning Agency, on behalf of the City of Chattanooga, is working with a consultant team led by Code Studio of Austin, Texas to de-velop a form-based code for �ve downtown neighborhoods: North Shore, Riverfront, City Center, M.L. King, and Southside.

Form-based code is being used in communities around the U.S. It is “a land development regulation that fosters predictable results and a high-quality public realm by using physical form, rather than separation of uses, as the

By David Laprad

Bob Lype is a man of faith. As such, he be-lieves in listening to “the inner voice.” While there are skeptics, like all good lawyers, Lype can make a strong argument in his favor.

Lype listened to the inner voice when he was a high school teacher in Hawkins County. Although he enjoyed teaching history and coaching tennis, when the inner voice said, “It’s time to do something di�erent,” he be-lieved it was important to listen.

“I didn’t even know what being a lawyer was about, other than what I saw on TV,” he says. “But during my last few years of teach-ing, I taught contemporary issues to advanced placement kids. To encourage them to sup-port their position, I would play the devil’s advocate. A few of my students told me I’d make a good lawyer.”

Lype set out to do just that. On a snow day in April 1987, he drove to the University of Tennessee (UT) College of Law on a whim and inquired about attending law school.

Lype had missed the deadline for the fall but was told to apply anyway and take the LSAT. �en in July – three weeks before the

start of classes – he received an admission letter and a scholarship for the �rst year of school. Instead of questioning what the in-ner voice was telling him to do, he took the plunge.

“Within three weeks time, I resigned my teaching position, found a place in Knoxville, and enrolled,” he says. “I wasn’t making con-scious choices; I was caught up in a snowball.”

Although Lype got a late start, he believes going to law school after getting several years of life experience under his belt worked in his favor. “Maybe I took it more seriously and was better prepared,” he says. “I worked hard. I might not have done that if I’d gone from undergraduate school straight to law school.”

After law school, Lype received four job of-fers from �rms in Chattanooga. To him, that was a clear sign pointing to where he was des-tined to practice law. He accepted a position with Caldwell, Heggie & Helton, where Tom Caldwell took him under his wing. To this day, Lype remembers the guidance Caldwell provided. “He’s a brilliant, admirable person,” he says. “He was in corporate law, which I

Herald HAMILTON COUNTYVolume 102 | No. 6

Single Copy 50¢

CHATTANOOGA, HAMILTON COUNTY, TENNESSEE

February 6-12, 2015

EVENT CALENDARHealthcare enrollment assistance Saturday, Feb. 7

On Saturday, Feb. 7 from 10 a.m. to 2 p.m., the City of Chattanooga will host “Get Covered Chattanooga” at the Brainerd Youth & Family Development Center. �e deadline to get covered is Feb. 15. �e event will pro-vide answers to questions and free help enrolling.Ray Stevens book signing Saturday, Feb. 7

On Saturday, Feb. 7 at 1 p.m., Barnes & Noble Hamil-ton Place will host perform-ing legend Ray Stevens (“�e Streak” and “Mississippi Squirrel Revival”), who will introduce his new book, “Ray Steven’s Nashville.”Polar Plunger Saturday, Feb. 14

On Saturday, Feb. 14, hun-dreds of (brave) individuals will be jumping into a freez-ing pool of water at Finley Stadium in support of the athletes participating in Ten-nessee’s Special Olympics. To sign up, visit www.polarplun-getn.com/chattanooga. (And you thought the ALS ice bucket challenge was cold.)Lin Stepp book signing Saturday, Feb. 21

On Saturday, Feb. 21 at 2 p.m., Barnes & Noble Book-sellers at Hamilton Place Mall welcomes author Lin Stepp, who will be discussing and signing copies of her novel, “Makin’ Miracles.”

See EVENT CALENDAR, page 23

INSIDEn 50 YEARS AGO P2

n CHEAP SEATS P4

n UNDER ANALYSIS P4

n VERDICTS & SETTLEMENTS P6

n GAMES P16 & P17

n 100 YEARS AGO P23

BUILDING PERMITS / FORECLOSURES / PUBLIC NOTICES P7

McCOY HOMES SNEAK PEEK P13

KAY’S COOKING CORNER P12

Attorney Bob Lype is a solo practitioner that splits his time between representing employers in employment law matters and insurance defense. (Photo by David Laprad)

Listening to the inner voice

See LYPE, page 2

Mayor Berke discusses the genesis of the form-based code project in Chattanooga during the kickoff event Jan. 28 at Bessie Smith Cultural Center. (Photo provided)

Realtors engage in form-based code discussions

See FORM-BASED, page 19

2 | February 6-12, 2015 Hamilton County Herald www.hamiltoncountyherald.com

50 YEARS AGOWhat was going on in Chattanooga in 1965?Saturday, Feb. 6

Hamilton County’s Miss Nancy Brown was named the 1965 Tennessee Junior Miss � rst runner-up. She’s a member of the National Honor Society at East Ridge High School.Sunday, Feb. 7

� e 19th annual meeting of the Tennessee Hospital Service Association was held Monday at Read House. Chairman Roy McDonald announced the “year 1964 was the greatest year yet for service by the Blue Cross and Blue Shield Plan,” speaking to some 144 representatives of the Blue Cross member hospi-tals in Tennessee. Monday, Feb. 8

Frank Paul Kendall, Sr., founder of Kendall Oil Co. (now Kayo) in Chattanooga died Sun-day night in a local hospital.

Plans for a new $250,000 Shoney’s Big Boy Restaurant to be built in Brainerd were announced Monday by E.D. Latimer, president of the � rm.Tuesday, Feb. 9

A meeting to organize a pri-vate corporation to promote the 150th anniversary observance of Ross’s Landing, which later became Chattanooga, has been called for 3 p.m. � ursday at City Hall by Mayor Ralph Kelly.Wednesday, Feb. 10

� e Federal Housing Ad-ministration’s plans to speed up the sale of 180 homes it has acquired in this area were out-lined by J.M. McCarter of the Knoxville district o� ce of FHA at a meeting of the Chattanooga Board of Realtors at Read House Wednesday. McCarter said that FHA will spend $60,000 to $70,000 in the next six months in repairing the houses and get-ting them ready for market.Thursday, Feb. 11

Charles H. Waugaman will assume the post of chief of the Tennessee Valley Authority’s power research sta� on Feb. 14, G.O. Wessenauer, manager of power, announced Wednesday. Waugaman has been with the T.V.A. since 1951 as a mechani-cal engineer, and recently as-sistant to the director of power production.

� e Chattanooga Board of Education Wednesday elected William D. Leber, a board mem-ber since 1954 as vice chairman, to succeed Raymond R. Witt, Jr., who participated in his � nal meeting Wednesday. David D. Coleman and Rev. H.H. Battle were sworn in as new members of the board.Friday, Feb. 12

Lt. Col. Herbert L. Cart-wright, Jr., was designated Wednesday by Mayor Kelly as military projects o� cer for Chattanooga’s observance of Armed Forces Week. Lt. Col. Cartwright will share with S.V. O’Lenic, civilian chairman for the event, the coordination of all activities during the Memo-rial Week event May 9-14.

� e Tennessee Defense Lawyer Association (TDLA) is looking for an executive direc-tor. � e part-time independent contractor will be responsible for handling the administrative aspects of the TDLA. He or she will partner with the Board and advance the association’s goals and strategies while taking care of its daily administrative needs.

Responsibilities of the execu-tive director include preparing and mailing annual dues invoices

for the TDLA membership, recording payments received in the membership databases, send-ing follow-up notices, making bank deposits, and reviewing and updating the TDLA website.

� e executive director will also review and update poli-cies and procedures as needed, and bring any potential changes to the attention of the TDLA Executive Committee and the TDLA Board.

Other duties include assist-ing seminar Chairs, obtaining

and working with sponsors for seminars and advertising, writing checks and reconciling check-ing and money market accounts; processing applications for mem-bership; preparing documents for and attending Board meet-ings; sending e-mails to mem-bership; keeping the Executive Committee informed; reviewing and updating the operations manual; working closely with committee Chairs and commit-tee members; maintaining all public records; maintaining all

insurance contracts; writing and forwarding articles about TDLA events for DRI’s publication, For the Defense; and traveling for DRI meetings, TDLA seminars, and TDLA Board meetings.

Experience with Quicken, or another accounting program, and Excel are preferred.

For a full job description, or to apply, contact Phil Mischke at (901) 259-7213 or email [email protected].

Source: Tennessee Defense Lawyers Association v

Tennessee Defense Lawyers Association to hire executive director

didn’t want to do, but during the two years he mentored me, he was a great inspiration.”

While with Caldwell, Heg-gie & Helton, which eventually became Baker Donelson, Lype

was “pulled” into litigation and representing employers in em-ployment law matters. Although he didn’t choose this path, he says the experience was invaluable. “I was able to work with some really good lawyers and see how big law � rms do things,” he says.

Lype also met and married his wife to this day: Brenna, who came with Betsy, a three-year-old girl. “A quiet voice told me this was the person I was going to be with,” he says.

[Whether or not the voice told Lype to move to northeast Ten-nessee to work with a labor and employment � rm is debatable, but that’s what he did next.] Lype sarcastically calls this brief phase in his life “a bright idea.” When an opportunity to return to Chat-tanooga opened up a year and a half later, Lype and his family promptly returned. “We missed our home,” he says.

Lype went to work at a small � rm, where he stayed for several years. While there, he became a partner, and the practice merged into a slightly larger entity. � en, in 2003, he heard a familiar voice telling him “to do something dif-ferent.”

“I felt like I was being led to go out on my own,” he says. “I didn’t have a lot of clientele, and I wasn’t sure I’d be able to make it, but I’m a spiritual person, and I believe if we listen to the voice inside of us, it will lead us to where we’re supposed to be.”

Lype’s � rst year as a solo prac-titioner would have tested a lesser man’s resolve. Business was slow, and six months after he moved out on his own, his stepdaughter passed away at the age of 15. But Lype held on, and in 2004, he began to receive referral work. He says he’s been “blessed ever since” to continue his solo practice.

Lype still represents employers. Although he no longer works for a big � rm, he says he’s giving his clients the big � rm treatment.

“One of my goals when I stepped out on my own was to provide the same kind of service to small and mid-sized clients,” he says. “� ey’re subject to the same laws as Coca-Cola and IBM.”

Lype also does insurance de-fense litigation. He spends about half of his time on each of his two areas of practice.

Although a litigator, Lype doesn’t spend as much time in court as he used to. � is allows him to spend more time being proactive – i.e., helping his clients avoid law suits. Examples of this aspect of his work include writing handbooks and providing sexual harassment training.

When Lype does wind up in court, he’s not the classic litigator, he says. Instead of pounding his � sts and growing red-faced, he’s more methodical. “I’m a detail-oriented person,” he says. “I enjoy doing research, organizing my argument, and putting together paperwork as much as I do going to court.”

Lype also enjoys the time he’s able to spend away from the prac-tice of law. He and Brenna have two sons, including a sophomore at UT and a high school junior. To stay in shape, Lype plays ten-nis with them as often as he can. “We play hard,” he says.

Lype’s professional accommo-dations are elegant but simple, just like his beginnings. He grew up in Rogersville, Tenn., in a blue collar setting, and was the � rst in his family to go to college. Today, his o� ce on Vance Road is contained within what was once a small ranch-style home.

Lype’s surroundings merely mirror his personality. With just a few minutes of easy conversa-tion, one can surmise he’s a soft-spoken lion in court, and see he doesn’t live life ungrounded, but believes in a Higher Power that resides within him in the form of a still, small voice.

He trusts that voice more today than ever. “I’ve learned that life unfolds,” he says. “My plans don’t matter. I didn’t plan to go to law school, and when I was in law school, I didn’t plan to come to Chattanooga. When I was with a big � rm, I didn’t see myself being here. So while I enjoy what I’m doing, I don’t know what the future holds. � at voice might call, telling me to do something di� erent.” v

LYPE Continued from page 1

Relief fund set up for injured firefighter

The Chattanooga Fire Fighters Association, Local 820 has set up an account at First Tennessee Bank to accept donations to assist Lt. Larry O’Rear. Lt. O’Rear was seriously injured when he was struck by a car while working on the scene of a wreck on Sunday, Feb. 1. He is still in the hospi-tal, and his recovery is expected to take several months - if all goes well. Anyone wishing to help Lt. O’Rear can stop by any First Tennessee branch offi ce and make a donation to the Firefi ghter Relief Fund. (Photo provided)

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Baker Donelson last week an-nounced the addition of J. Wayne Cropp to the �rm’s Chattanooga o�ce.

Cropp joins Baker Donelson as of counsel and as a member of the �rm’s Corporate Mergers & Acquisitions group, where he fo-cuses on public policy, economic development, and environmen-tal law. He brings legal experi-ence with respect to emerging manufacturing technologies and companies and represents clients on a full range of environmental law issues, including new source permitting, environmental en-forcement, air and water quality, Superfund, brown�eld redevelop-ment, and waste resource issues. From 1979-1990, Cropp served as executive director of the Chat-tanooga-Hamilton County Air Pollution Control Bureau, where he developed the implementation strategies that put Chattanooga in the national spotlight for its environmental initiatives.

A well-known author and speaker on Clean Air Act is-

sues, Cropp has a background in service on both the local and national levels. He has served as the president of the Association of Local Air Pollution Control Of-�cials (ALAPCO), now known as the National Association of Clean Air Agencies (NACAA), and par-ticipated in the development of the National Air Toxics Strategy through his tenure as chairman of the ALAPCO’s Air Toxics Committee. Cropp also served as chairman of the Chattanooga Technology Summit, of the Ten-nessee Valley Corridor. For 15 years, he served as chairman of the Environment Committee for the Chattanooga Regional Manufacturers Association. He is an active member of the Chatta-nooga, Tennessee, and American Bar Associations, and served as chairman of the Environmental Law Committee of the Tennessee Bar Association. He was also the recipient of the Air Conservation-ist of the Year Award from the Tennessee Conservation League in 1986.

“Wayne is a highly-respected practitioner in corporate and environmental law in our com-munity and throughout the state,” said Russell W. Gray, managing shareholder of Baker Donelson’s Chattanooga o�ce. “His addition to our o�ce and to our corporate practice will enhance our service o�erings and bene�t our clients.”

A graduate of Samford Univer-sity’s Cumberland School of Law, Cropp was legal counsel to the United States Junior Chamber of Commerce (U.S. Jaycees). He was also the campaign chairman for former U.S. Congressman Zach Wamp and served as Hamilton County GOP Party chairman.

Source: Baker Donelson v

Environmental attorney J. Wayne Cropp joins Baker Donelson

�e law �rm of Baker Donelson has received a score of 85 in the Human Rights Campaign (HRC) 2015 Corporate Equality Index (CEI).

�e HRC’s CEI report is a national benchmarking survey and report on corporate policies and practices relating to lesbian, gay, bisexual and transgender (LGBT) workplace equality administered by the Human Rights Campaign Foundation. Baker Donelson was the only Tennessee-based law �rm to participate in the 2015 survey.

“We have worked to nurture and grow the inclusive environ-ment at Baker Donelson, and we are honored to be recognized among other businesses who are committed to doing the same,” said Mark A. Baugh, chair of Baker Donelson’s Diversity Com-mittee and a shareholder in the Firm’s Nashville o�ce.

Since the launch of its Diversity Initiative in 2002, Baker Donel-son’s diverse attorney popula-tion and the number of minority shareholders have more than

quadrupled, outpacing the �rm’s overall growth. �e recruitment and retention of female attorneys and the representation of women in leadership positions at the Firm have improved as well. Recently, Baker Donelson launched “Baker A�nitas,” an a�nity group for LGBT interests to bolster the inclusiveness of the �rm, which includes sponsoring events in the communities in the �rm’s foot-print, as well as facilitating the establishment of an LGBT pro bono initiative.

�e �rm’s e�orts have been recognized by MultiCultural Law magazine, which has ranked Baker Donelson on its annual lists of the “Top 100 Law Firms for Diversity” and the “Top 100 Law Firms for Women.” Earlier this year, Baker Donelson was also ranked tenth in Vault Inc.’s “Best Law Firms for Diversity” list.

�e 2015 CEI rated a total of 971 businesses in the report, which evaluates LGBT-related policies and practices.

Source: Baker Donelson v

Baker Donelson participates in 2015

Corporate Equality Index

Environmental attorney J. Wayne Cropp has joined Baker Donelson in Chattanooga. (Photo provided)

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Hamilton County Coalition


View from the Cheap Seats

By William O. “Bill” James, Jr.

50th reduxAs I mentioned recently, the half century birthday has been

haunting me for several years. In fact, in my mind, I’ve been 50 since early in my 48th year. Now that I’m past the actual

date, it seems like I might have made the milestone bigger in my mind than it actually deserved. �ey say you’re only as old as you feel, and they might be on to something. My focus on this ran-dom date on my lifeline did nothing to improve my day-to-day existence. What it did do was make me worry about something I can’t control.

Even though I was reluctant to have any type of celebration commemorating the day, Patti put together two such events without my help: one in Little Rock, Ark., and another this last weekend in Fayetteville, Ark. At both parties, I was pleased to have many old friends in attendance and had a great time. I pre-tended I didn’t want the parties, but I enjoyed them immensely. Fun as the two parties were, I was still in bed quite early on both nights, and had no regrets about doing so. I don’t know if my early slumber was a function of old age or wisdom. Either way, I felt much better than I have on most mornings following past birthdays. At least those birthdays once I turned 21.

�e biggest event of the big day for me was the delivery of my present from Patti. It was parked in the driveway with a big bow on it. For many years, I’ve opined that I really want a big, black, jacked up four-wheel drive pickup. For a long time, I’ve hoped that a client would give me one in return for a fee. I’ve actually taken in three pickups as fees over the years, but never hit the jack pot. Apparently, Patti got tired of my talking about it and went out and bought me one. �e pickup is oversized and a little on the obnoxious side. In other words, it’s awesome. I feel just a little uneasy getting this truck at my advanced age, but I guess it’s OK since I skipped the corvette when I was 40. Patti knew I’d never buy it for myself, so she hooked me up. I’m certainly glad she did.

�e only negative I took away from my birthday week was something someone said to me at the end of my second party: �ey pointed out that this is probably the last time anyone is going to throw me a party. �at might actually be true. After 50, you only get parties thrown for you after you’re too old to know what’s going on. Although, I bet you still get cake. Assuming I’m able to make it to my next party, I certainly will look forward to getting cake.

As Dr. Red Duke used to say “Living can sometimes be hard, but it certainly beats the alternative.” �at is certainly true for ev-eryone, especially those of us growing old way up in the CHEAP SEATS!

Bill James is a criminal defense attorney and co founder of the James Law Firm with o�ces in Little Rock, Conway, and Fayette-ville, Ark. He has yet to receive his AARP card in the mail, but he’s certainly looking forward to the day it arrives. He may be con-tacted at [email protected].

Give that stupid, incompetent paralegal a raise By Charles Kramer

“It was a mistake, and I’m sorry. �at’s my story, and I’m sticking to it.”

Mistake, or devious and suc-cessful attempt to hoodwink some of the most highly paid attorneys in the world? Only the paralegal involved knows for sure (or perhaps her boss or her boss’ boss). For now, however, the o�cial story was that it was a mistake, albeit one that saved a client over a BILLION dollars. Yes, that’s a BILLION, with a “B.”

�e incompetent, or genius, paralegal who is the star of this story worked (and presumably still works) at the mega-law �rm, Mayer Brown, and was assigned to work with one of the �rm’s commercial transactions associ-ates. �at associate was, in turn, assigned by a partner in charge to draft documents to release a security interest held by JPMor-gan Chase Bank in virtually every tangible and intangible asset of General Motors, due to the re�nancing of a loan with which it was connected. Mayer Brown represented General Motors, not the bank, and thus had an incentive to make sure the entire security interest was properly released. �e associate on the �le thus instructed our hero parale-gal to search the state �nancing records to �nd all �nancing state-ments that documented the secu-rity interest so that they could be referenced in the release docu-ments, thus ensuring the release of the entire security interest.

�e paralegal located the two necessary documents, but also “accidentally” included a third document in the resulting report. �at third �nancing statement granted a security interest in GM assets in connection with a di�erent, separate, $1.5 bil-lion dollar loan held by a lending syndicate of which JPMorgan Chase Bank was the notice party of record. �at separate interest

was unrelated to the transac-tion or loan on the table, but the paralegal “inadvertently” included the statements pertain-ing to it in the package she sent to the associate, which caused the associate to then “erroneously’ include those statements, and the related security interest, in the release documents. When the partner in charge reviewed the documents, he didn’t notice the error. Although drafted by GM’s counsel, the documents were to be executed by the bank, since it was the bank which was releasing the security interest. �ey were thus sent over to JPMorgan Chase Bank’s counsel for review. �e bank’s lawyers also did not notice the error. In fact, over several rounds of revisions, review, and comment, nobody ever spotted the supposed accidental inclu-sion. �e documents were ulti-mately signed and �led, still with no one the wiser.

It wasn’t until years later, in 2009, that the issue arose in con-nection with the now infamous GM bankruptcy. �e lending syndicate claimed it was a se-cured creditor, but the creditors committee said they were merely unsecured, noting the release document. Litigation ensued, and it was just last week that the e�ect of the “oversight” was con�rmed by the Second Circuit Court of Appeals. Mistake or not, the Court ruled (relying on an advi-sory opinion from the Delaware Supreme Court), once the release was intentionally �led, it was ef-fective, and the security interest was extinguished.

Since the paralegal worked for the �rm that represented General Motors, which bene�t-ted from the ga�, there was no legal malpractice. In fact, I can just imagine the “reprimand’ the paralegal received when the rul-ing came down.

Associate: “Paralegal X, we

now know for sure that that you made a one-and-a-half BILLION dollar error a couple years back when doing work for me. �ere is no longer any question about it. What do you have to say for yourself?”

Paralegal X: “�ere really was no excuse, sir. I made a mistake. I take full responsibility.”

Associate: “No, no, no. We’re a team here. I cannot let you do that. You were working under my direction, and I should have spot-ted it. I will take responsibility. In fact, I will call the partner right now and say it was all my doing. I’ll keep your name out of it.”

Paralegal: “No, it’s okay, really. I insist. I’ll say it was me.”

Associate: “No, I cannot let you do that. I’ll say it was all me.”

Partner, walking in: “Oh, I’m glad you’re both here together. You know, it was just con�rmed by the Court of Appeals that we did, in fact, make a $1.5 billion error on that GM deal.”

Associate and paralegal, in unison: “I’m sorry, it was all my responsibility. You can tell every-one it was me.”

Partner, gesturing for them to stop: “Don’t be ridiculous. We’re a team here. You were working under my direction, it was my re-sponsibility. I’ll step forward. You don’t have to worry about a thing. I’ll keep both of your names out of it. I’ll say it was all me. Happy to do it.”

Chairman of Firm Managing Committee, hearing the ruckus, sticks his head in the door: “Ah, glad you’re all here. I just heard about the court ruling on the mistake in the GM case. But don’t worry, I’ll take responsibility for the error. I’ll let Bill, our client contact, know that it was all me, and that I’ll talk to the client and personally take full responsibility. I’ll leave your names out of it.”

See UNDER ANALYSIS, page 12

�e Southern Lit Alliance will host the 2015 Celebration of Southern Literature in col-laboration with the Fellowship of Southern Writers April 16-18, with some events extending into April 19. �is year’s Celebration of Southern Literature will feature a diverse array of events ranging from workshops and discussions, to readings and book signings, to new social occasions.

Tickets cost $50 for the full three-day conference at the Tivoli �eater venue, reduced from the former price of $100. Full-time

students may purchase a three-day pass for $25. Participants may adding workshops and social events for additional costs.Workshops

Workshops of note on �urs-day, April 16 include “So You Want to Write a Play or a Musi-cal?” with Pulitzer Prize and Tony Award-winning playwright Marsha Norman. Poets Andrew Hudgins and Maurice Manning, and �ction writers Jill McCorkle and Roy Blount, Jr., will conduct a workshop on “Writing Humor-

ous Prose & Poetry” �ursday morning. �e weekend will close on Sunday, April 19 with a print-making workshop entitled “Why Books?” with print and book-maker Steve Miller and �e Open Press, Chattanooga’s letterpress and printmaking cooperative. Reservations are required for all workshops.Panel discussions & readings

Panels will include “Books to Film: �eir Role in the Southern

Southern Lit Alliance announces 2015 celebration

of Southern Literature

See SOUTHERN LIT, page 16


TNcourts.gov

Maston G. Lyons, III et al. v. Fielding H. Atchley, Jr.

Appeal from the Circuit Court for Hamilton County

Case Number: E2013-02342-COA-R3-CV

Authoring Judge: Judge D. Michael Swiney

Originating Judge: Judge Law-rence H. Puckett

Date Filed: Tuesday, January 20, 2015

Maston G. Lyons, III and Linda C. Lyons (“Plainti� s”) sued attorney Fielding H. Atchley, Jr. (“Defendant”) alleging, in part, that Defendant had breached a duty that “cost the Plainti� s their fair and complete hearing in Lyons v. Le� ew et al.,” and that the alleged breach had “costs [sic] the Plainti� s their � duciary inter-est in said case.” Both sides � led motions for summary judgment. After a hearing on the parties’ motions, the Circuit Court for Hamilton County (“the Trial Court”) granted Defendant sum-mary judgment. Plainti� s appeal the grant of summary judgment and the award to Defendant of attorney’s fees for defending against Plainti� s’ Rule 11 mo-tion for sanctions. We � nd and hold that Plainti� s sustained no damage as a result of the alleged action or inaction of Defendant and, therefore, the Trial Court did not err in granting Defendant summary judgment as a matter of law. We further � nd and hold that the Trial Court did not abuse its discretion in awarding reasonable

attorney’s fees to Defendant for opposing Plainti� s’ Rule 11 mo-tion for sanctions. We a� rm the Trial Court’s judgment.

State Ex Rel Commissioner, Department of Transportation v. Ilya Dyskin Et Al.



Authoring Judge: Judge Charles D. Susano, Jr.

Originating Judge: Judge Jac-queline S. Bolton

Date Filed: � ursday, January 29, 2015

� e question presented on this appeal is whether a covenant, i.e., a promise, by a grantor to pay – in a deed conveying an undivided one-third interest in a piece of property – all property taxes and other expenses associated with the 100% interest in the property is binding on successor grant-ees of her remaining two-thirds interest. Sonja Taylor conveyed an undivided one-third interest in the property to Fred T. Hanzelik. Taylor agreed to pay “all taxes, expenses and obligations regard-ing” the property, including those on Hanzelik’s portion. Taylor later conveyed her remaining two-thirds interest to Shane Coughlin, who later conveyed it to Fifth Project, LLC, which later con-veyed it to defendants Ilya Dyskin and Tatiana Dyskin. Hanzelik argues that Taylor’s covenant to pay property taxes for the entire ownership interest, including Hanzelik’s one-third interest, is binding on the Dyskins. � e trial

court agreed and ordered the Dyskins to pay the entire prop-erty tax bill. After examining the deeds in the chain of title, we � nd no evidence of an intention that Taylor’s covenant would run with the land and bind successor grantees of the two-thirds inter-est. Accordingly, we reverse the judgment of the trial court.

American Heritage Apart-ments, Inc. v. � e Hamilton County Water and Wastewater Treatment Authority, Hamilton County, Tennessee



Authoring Judge: Judge � omas R. Frierson, II

Originating Judge: Judge Jac-queline S. Bolton

Date Filed: Friday, January 30, 2015

� e plainti� , American Heri-tage Apartments, Inc. (“Ameri-can Heritage”), commenced this lawsuit to protest a monthly � at charge in the amount of $8.00 per unit imposed by the defendant, � e Hamilton County Water and Wastewater Authority (“the County WWTA”), on all of its sewer customers. � e charge was instituted to fund a program designed to repair and refurbish private service laterals, de� ned as pieces of pipe that connect pri-vate property to the sewer lines. American Heritage sought declar-atory judgment that the County WWTA, inter alia, had exceeded

Tennessee Appellate Court Opinions

When investing, use the ‘Power of Three’

Many factors will a� ect your results as an investor – and some of these factors are beyond your control, such as interest-rate movements or the eurozone debt crisis or

the sales results of the companies in which you invest. How-ever, as you work toward your � nancial goals, you will � nd that you actually have control over three of the most impor-tant drivers of investment success: time, money and return.

Let’s look at these three elements: • Time – Time can be a big asset – if you use it wisely.

However, many young people, just starting out in their work-ing lives, think they can wait until “later” to begin investing, as their retirement is so far away. But this could be a mistake. � e earlier you start to invest, the more money you will put away, and the greater the potential for your money to appre-ciate. If you do wait until mid-career before you start seri-ously saving and investing for retirement, you will still have options, but you may need to make some trade-o� s, such as possibly retiring later than you had originally planned. So here’s the key: Start investing as early as possible – and keep investing.

• Money – Not surprisingly, the more money you invest on a regular basis while you are working, the more money you’ll likely end up with when you retire. Suppose, for example, that you invested $3,000 per year and earned a hypothetical 7 percent annual return. After 30 years, you’d have accumu-lated about $303,000 (assuming the investment was placed in a tax-deferred account, such as a traditional IRA). But if you put in $5,000 per year, instead of $3,000, and earned the same hypothetical 7 percent annual return, you’d end up with about $505,000 after 30 years, again assuming the invest-ment was placed in a traditional IRA. � e di� erence between $3,000 per year and $5,000 per year isn’t all that much – just about $40 a week – but after 30 years, these relatively small di� erences can add up to a big sum of money. Of course, this is just a simple illustration that shows how saving more can possibly put you in a better position in the future. Keep in mind that there are no guarantees and that the value of your investments will � uctuate.

• Return – You might think that your investments’ rate of return is the one variable over which you have the least control. However, “least control” doesn’t mean “no control.” You can control your potential return to the extent of select-ing a mix of stocks, bonds, government securities and other investments that re� ects the level of risk you’re willing to tolerate in exchange for the potential growth you’d like to achieve. By creating this mix, you can help yourself avoid the biggest investment risk of all – not reaching your long-term goals.

By investing for as many years as you can, putting in as much as possible each year and choosing an investment mix that provides you with the greatest potential reward given your risk tolerance, you can take command, to a signi� cant extent, of your own investment success. And that’s a type of authority you won’t want to relinquish.

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

FinancialFocus

Stan Russell

What’s Your Retirement Vision When you start out in your career, you’re probably not thinking much about retirement. At this point, your picture of a “retire-ment lifestyle” may be, at best, hazy, hidden as it is behind a veil of experiences you’ve yet to encounter. But as you move through the years, your view of retirement comes into clearer and closer focus — and this vision will have a big impact on your savings and investment strategies.

Consequently, to create and implement those strategies effec-tively, you’ll need to define your retirement vision by identifying its various parts. Here are some to consider:

Travel — If you’re like many people, you may dream of traveling during your retirement. But what does “travel” mean to you? Do you envision taking a cruise or an international trip every year? Or is your idea of travel just a short jaunt to a popular destina-tion, such as a lake or the mountains or the beach? �e difference in costs between global and U.S.-based travel can be enormous, so you’ll need to define your goals and estimate your expenses. Second home — Once you retire, you’ll have to make some housing-related decisions. Should you sell your home and “down-size”? Or do you want to keep your current residence and possi-bly purchase a second home, such as a condominium, in another part of the country? Obviously, you’ll need to factor in these choices when you think about how to invest before you retire and how to manage your withdrawals from your 401(k), IRA and other accounts during your retirement. Volunteer activities — You might think that your volunteer activities during retirement won’t affect your finances much. But if you are particularly ambitious, and your volunteerism involves travel, renting space, purchasing equipment and so on, you might be looking at some large cash outlays. Furthermore, if you host people at your house, you may be incurring some types of liabil-ity risk, which you might need to address through appropriate insurance coverage.Hobbies — During your working years, you may pursue your hobbies always with the thought that you can devote a lot more time to them after you retire. However, expanded hobby activi-ties may involve expanded costs. For example, if you’re good with cars, you might decide to invest in that foreign sports car of which you’ve dreamed. Or, if you’re fascinated by genealogy, perhaps you’ll start traveling to places once inhabited by your ancestors. �ese types of activities can be expensive, so you’ll have to evaluate your saving, spending and investing habits to determine how to accommodate your increased expenditures on your hobbies.Second career — Many people look forward to retiring from one career so they can start another — opening a small business, con-sulting or even taking a part-time job. Clearly, if you were to start your own business, some expenses would be involved, so you’ll have to plan for them. Even if you become a consultant or work part time, you could incur various costs, including travel. And, in relation to these types of work, you may also have insurance and health care issues to address. By identifying the various components of your retirement vision, and estimating their respective costs, you can make those saving, spending and investment choices that can help you work toward your retirement dream.

�is article was written by Edward Jones for use by your local Edward Jones Finan-cial Advisor. (Member SIPC)

FinancialFocus

Stan [email protected]

Stan Russell, CFP®, AAMS®Financial Advisor

1206 Pointe Centre Dr., Ste 180Chattanooga, TN 37421

423-894-0058

Whatever the weather brings, you’ll be ready. Make your home the best it can be. Visit 2eScore.com to �nd out how energy ef�cient your home is and

what you can do to improve it. With a high eScore you can afford to live

comfortably.

Keep your family comfortable.

Job No: TVAA-46216Title: Live Comfortably Ad – Mom/Kids

Pub: Hamilton County HeraldInsert: February 2 and March 16, 2015Size: 6" x 6"

See APPELLATE COURT, page 17


As far as witness intimidation goes, Philadelphia drug tra�cker Kaboni Savage and members of his criminal enterprise appeared to corner the market on how far they’d go to silence anyone willing to testify against the organization. �e most horrifying example of this was the brutal �rebombing that resulted in the deaths of six

members of a federal witness’ family in retaliation for his coop-eration with law enforcement.

But a long-term, multi-agency investigation eventually proved that Kaboni Savage was respon-sible for those six murders – and at least six others – and that he headed a drug tra�cking en-terprise that excelled in using

violence and other criminal tac-tics against anyone who threat-ened its drug trade. Recently, the �nal defendant charged in the �rebombing deaths was sentenced to 40 years in prison, and Savage himself, convicted in 2013 on murder and racketeering charges, eventually received the death sentence.

In the late 1990s, Kaboni – then a small-time drug dealer – began buying cocaine in bulk and building his criminal organi-zation. He was making a name for himself, especially for his often-brutal methods of operation – which included murders, beat-ings, kidnappings, and threats – against anyone who crossed him (customers, rival gang mem-bers, his own underlings, even law enforcement).

Law enforcement, however, had Kaboni in their cross hairs, and he and his organization soon became the focus of an investi-gation by the Philadelphia FBI’s Safe Streets Task Force, made up of local, state, and federal agen-cies. In May 2004, Kaboni and others were indicted for conspir-ing to distribute cocaine, money laundering, �rearms o�enses, and later on, witness intimidation. �e perpetrators were arrested and held for trial.

It was from jail that Savage orchestrated the arson murder of six members of Eugene Cole-man’s family. Coleman, a mem-ber of Savage’s gang who was among those named in the May 2004 indictment, had agreed to cooperate in the case. �rough visits with family members – including his sister, Kidada – and surreptitious phone calls with other gang members, Savage planned the murders and solic-ited the help of his sister and two other gang members – Lamont Lewis and Robert Merritt. Ki-dada Savage passed the plan on to the other two and identi�ed the Coleman home. �en Lewis and Merritt, in the early morn-

ing hours of October 9, 2004, drove to the Philadelphia row house, �red warning shots into the residence, and threw two full gasoline cans with a lit cloth fuse into the home.

After extinguishing the �ames, the �re department found the bodies of six victims – Cole-man’s 54-year-old mother, his 15-month-old son, and four other relatives, including a 10-year-old girl and 12- and 15-year-old boys. (Coleman was incarcerated at the time of the arson.) �rough inves-tigative techniques like court-authorized electronic surveil-lance and the use of informants, members of the task force were eventually able to collect evidence – some of it in Kaboni Savage’s own words – of how the plot was hatched and carried out.

Kaboni Savage and four of his associates went to trial in No-vember 2004 on the initial drug tra�cking charges – 14 others had already pled guilty before trial – and were convicted and sentenced. Eventually, though, Kaboni Savage and a number of his associates – including Ki-dada Savage – were indicted and ultimately convicted by a federal grand jury looking into the arson deaths of Coleman’s family.

By the time it was all over, Ka-boni Savage’s criminal orgwaniza-tion was dismantled – thanks in part to former associates and oth-ers willing to testify against him. And those six innocent people murdered in their home – one of many ruthless attempts by Savage to keep his operations running – �nally received justice.

Source: fbi.gov v

From the FBI

Tenant not liable for dog bite

By Deborah Elkins

�e upstairs tenant in a duplex is not liable for his dog biting his landlord who came into the backyard where the dog was present, says a Richmond Circuit Court.

�e plainti� landlord testi�ed she was there to show the down-stairs apartment to a prospec-tive tenant. She testi�ed the dog attacked her with a bite on the leg. She claims $3,700 in medical bills and four weeks of lost work. Her leg shows two large scars, which appear to be permanent.

Defendant testi�ed he paid a $150 pet fee as part of his lease. He said he had no prior knowl-edge of his dog’s violent behavior and he provided a picture of a “beware of dog” sign he posted on the entrance gate to the back yard on the side of the house. Contrary to plainti� ’s testimony, he denied that he was restricted to having the dog in the back-yard without his presence. Plainti� testi�ed the parties executed an addendum to the lease agreement, which required that the dog be accompanied at all times.

�e court found the adden-dum in the court �le. It states

defendant is permitted to have a dog on the property subject to certain conditions. None of those, however, require that the dog be accompanied by its owner in the yard at all times as plainti� testi�ed.

�e record also contains a letter plainti� sent to defendant admonishing him for failing to clean up after the dog and stat-ing she no longer wanted the dog on the premises despite plain-ti� ’s payment of the pet fee.

�e court �nds defendant did not breach the duty of care to which he was held for his dog’s behavior. Given his contradicted testimony that he was unaware of his dog attacking anyone prior to the event in question, the court cannot hold defendant to the heightened duty of care that would apply if he was on notice of his dog’s dangerous or vicious propensities. Otherwise, there is no evidence of any breach of duty on the part of the defendant even though plainti� was in-jured. �e dog was not running at large so as to implicate “leash laws.” And there is no evidence that defendant did or omitted to do anything that led to plainti� ’s injury. While plainti� ’s injury is unfortunate, the court has no evidence before it on which to

base a judgment that defendant should be held responsible.

Judgment for defendant.Smith v. Simmons (Hughes)

No. CL 14-947, Sept. 22, 2014; Richmond Cir.Ct.; Patricia Smith, pro se; David A. Powers III for defendant. VLW 015-8-007, 3 pp.Lawyers settle on fees in same-sex marriage case

By Peter Vieth

�e state of Virginia will pay nearly $600,000 to lawyers who overturned the state’s ban on same-sex marriage.

Lawyers on both sides of the case negotiated agreements for the state to pay a total of $580,000 to attorneys for same-sex couples who challenged the gay marriage ban.

Most of that amount will go to Los Angeles-based Gibson, Dunn & Crutcher, where the legal team was led by �eodore Olson. Sharing in the fee pay-ments is the Virginia Beach �rm of Shuttleworth, Rulo�, Swain, Haddad & Morecock, the ACLU of Virginia and other lawyers.

For the larger settlement, involving Gibson Dunn and Shuttleworth, the lawyers started with a �gure of $1.7 million in attorneys’ fees, according to the settlement agreement. �at �g-ure represented 2,372 hours.

�e plainti�s’ lawyers and state lawyers agreed to a number of adjustments to whittle down the fees:

Limit the hours claimed to those of the core legal teams,

Bring the hourly rates within the range of rates approved by the Norfolk federal court,

Cut the time billed for travel and for work on legal positions that did not prevail,

Cut block-billed hours by 20 percent and

Cut the Shuttleworth time

for work that duplicated Gibson Dunn work.

�e adjustments produced blended hourly rates across the two �rms of $506 for partners, $274 for associates and $145 for paralegals. �e changes cut the �rms’ demand to $523,500. �e state responded with a $520,000 o�er that was accepted.

Gibson Dunn will get $459,000 and Shuttleworth is allocated $61,000.

Documents �led with the Norfolk U.S. District Court indicated Gov. Terry McAuli�e approved the settlement.

Another group of lawyers reached a separate $60,000 agreement with the state for their work on behalf of same-sex couples who �led their challenge in Harrisonburg federal court, according to court documents. �e plainti�s in that case, repre-sented by the ACLU of Virginia and other attorneys, were per-mitted to intervene in the appeal at the 4th Circuit.

Norfolk U.S. District Judge Arenda Wright Allen last Febru-ary declared the state’s same-sex marriage ban to be unconsti-tutional. �e 4th U.S. Circuit Court of Appeals a�rmed that decision in July.

�e Daily Record Newswire

Case Digest

Verdicts and Settlements

804 Central Ave., Chattanooga, TN 37403 • (423) 305-1449

Hamilton County CoalitionFacilitating Community Change Through

Comprehensive Strategies, Capacity Building,Collaboration and Neighborhood Problem SolvingJoin The Fight. Become a Community Change Agent

@ HCCoalition.Org

It is never too early to talk to your child about alcohol. According to SAMHSA’s National Survey on Drug Use and Health, in the United States, an estimated 10 million people younger than the age of 21 drank alcohol in the past month.

Many young people start drinking before the age of 15.

In fact, around 80 percent of children feel that parents should have a say in whether they drink alcohol.

To learn tips on preventing drug and alcohol use among youth go to www.hccoalition.org

www.hamiltoncountyherald.com Submit a legal notice : [email protected] or call 800-420-5103 February 6-12, 2015 | 7

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Lawrence Rd Chattanooga, TN 37405 Residential $74,00015-10147 1/29/15 1205 Helena Dr, Apt# A&B Hixson, TN 37343 Residential $50,00015-10148 1/30/15 1323 Greenwood Rd Chattanooga, TN 37411 Residential $3,29815-10149 1/29/15 604 N Valley Dr Chattanooga, TN 37415 Residential $15,00015-10152 1/30/15 6679 Hickory Manor Cir Chattanooga, TN 37421 Residential $77015-10153 1/30/15 1306 E 18Th St Chattanooga, TN 37404 Residential $44815-10154 1/30/15 2442 Meade Cir Chattanooga, TN 37406 Residential $2,14815-10156 1/30/15 211 Morningside Dr Chattanooga, TN 37404 Residential $4,00015-10158 1/30/15 301 E 11Th St Chattanooga, TN 37403 Commercial $45,00015-10160 1/30/15 4960 Gann Store Rd Hixson, TN 37343 Commercial $24,67515-10161 1/30/15 5200 Wilson Rd Chattanooga, TN 37410 Industrial $23,000ELECTRICAL ____________________________________________________________________________15-20071 1/29/15 3341 Adkins Rd Chattanooga, TN 37419 Low $2,00015-20101 1/28/15 2202 Bennett Ave Chattanooga, TN 37404 Residential $64015-20109 1/26/15 930 Douglas St Chattanooga, TN 37403 Residential $2,488,88215-20117 1/26/15 8011 Old Cleveland Pike Ooltewah, TN 37363 Commercial $1,00015-20118 1/26/15 592 S Crest Rd Chattanooga, TN 37404 Residential $8,20015-20120 1/26/15 622 Gadd Rd Hixson, TN 37343 Residential $4,00015-20121 1/26/15 618 Gadd Rd Hixson, TN 37343 Residential $4,00015-20122 1/26/15 2040 Hamilton Place Blvd Chattanooga, TN 37421 Meter $015-20123 1/26/15 4405 Delashmitt Rd, Apt# 15 Hixson, TN 37343 Meter $015-20124 1/26/15 2606 Williams St Chattanooga, TN 37408 Residential $5,00015-20125 1/26/15 5619 St Elmo Ave Chattanooga, TN 37409 Residential $1,50015-20126 1/26/15 5200 Wilson Rd Chattanooga, TN 37410 Commercial $90,00015-20127 1/26/15 9231 Lee Hwy, Suite# 101 Ooltewah, TN 37363 Commercial $20,00015-20128 1/27/15 7710 Lee Hwy Chattanooga, TN 37421 Commercial $550,00015-20129 1/27/15 975 E 3Rd St West 4 Chattanooga, TN 37403 Institutional $56,13915-20130 1/27/15 3535 Willow Lake Cir Chattanooga, TN 37419 Residential $1,50015-20131 1/27/15 6714 Petunia Ct Hixson, TN 37343 Residential $4,90015-20132 1/27/15 2003 E 14Th St, Suite# A Chattanooga, TN 37404 Residential $50015-20133 1/27/15 2003 E 14Th St, Suite# B Chattanooga, TN 37404 Residential $50015-20134 1/27/15 2301 Citico Ave, Apt# B Chattanooga, TN 37406 Residential $80015-20135 1/27/15 3412 Centerview Ln Chattanooga, TN 37419 Residential $80015-20136 1/28/15 8150 E Brainerd Rd Chattanooga, TN 37421 Commercial $30,00015-20137 1/28/15 1110 Sheridan Ave Chattanooga, TN 37406 Residential $20015-20138 1/28/15 1751 Gunbarrel Rd Offc#101 Chattanooga, TN 37421 Institutional $50,00015-20139 1/28/15 546 Mariner Way Chattanooga, TN 37402 Residential $4,00015-20140 1/28/15 542 Mariner Way Chattanooga, TN 37402 Residential $4,00015-20141 1/28/15 532 Mariner Way Chattanooga, TN 37402 Residential $4,00015-20142 1/28/15 8120 Old Cleveland Pike Ooltewah, TN 37363 Commercial $11,00015-20143 1/28/15 524 Mariner Way Chattanooga, TN 37408 Residential $4,00015-20144 1/28/15 3154 St Elmo Ave Chattanooga, TN 37408 Commercial $9,80015-20145 1/28/15 2508 Hamilton Cove Dr Chattanooga, TN 37421 Residential $6,00015-20146 1/28/15 8399 Morin Rd Chattanooga, TN 37421 Residential $1,50015-20147 1/28/15 905 Wall St Chattanooga, TN 37403 Residential $3,50015-20148 1/28/15 909 Wall St Chattanooga, TN 37403 Residential $3,50015-20149 1/28/15 1131 Stringers Ridge Rd, Apt#14C Chattanooga, TN 37405 Residential $20015-20150 1/28/15 1708 Williams St Chattanooga, TN 37408 Residential $8,50015-20151 1/28/15 1503 E 14Th St Chattanooga, TN 37404 Residential $3,00015-20152 1/28/15 6025 International Dr Chattanooga, TN 37421 Commercial $2,50015-20153 1/28/15 618 W 38Th St Chattanooga, TN 37410 Commercial $1,00015-20155 1/29/15 1276 Bridgeview Dr Chattanooga, TN 37415 Residential $4,80015-20156 1/29/15 4852 Preserve Dr Chattanooga, TN 37416 Residential $4,50015-20157 1/29/15 2750 Waterhaven Dr Chattanooga, TN 37406 Residential $6,00015-20158 1/29/15 2694 Waterhaven Dr Chattanooga, TN 37406 Residential $6,00015-20159 1/29/15 1717 E 26Th St Chattanooga, TN 37407 Residential $4015-20160 1/29/15 1314 Arlington Ave Chattanooga, TN 37406 Residential $40015-20161 1/29/15 8997 Rostis Ln Chattanooga, TN 37421 Residential $6,00015-20162 1/29/15 6925 Shallowford Rd Ste#305 Chattanooga, TN 37421 Meter $015-20163 1/29/15 5392 Bungalow Cir Hixson, TN 37343 Residential $4,80015-20164 1/29/15 5382 Bungalow Cir Chattanooga, TN 37343 Residential $4,80015-20165 1/29/15 1294 Bridgeview Dr Chattanooga, TN 37415 Residential $4,80015-20166 1/30/15 2003GarfieldSt Chattanooga,TN37404 Residential $3,21515-20167 1/30/15 1319 Lawrence Rd Chattanooga, TN 37405 Residential $10,00015-20168 1/30/15 128 Browns Ferry Rd Chattanooga, TN 37419 Meter $015-20169 1/30/15 6574 Esquire Ln Hixson, TN 37343 Residential $350GAS ____________________________________________________________________________________15-30028 1/27/15 3546 Willow Lake Cir Chattanooga, TN 37419 Residential $20015-30029 1/27/15 701 S Crest Rd Chattanooga, TN 37404 Residential $80015-30030 1/27/15 6891 Robin Dr Chattanooga, TN 37421 Residential $60015-30031 1/28/15 2099 E Main St Chattanooga, TN 37404 Commercial $1,00015-30032 1/28/15 767 River Terminal Rd Chattanooga, TN 37406 Industrial $10,00015-30033 1/28/15 710 Cherokee Blvd Chattanooga, TN 37405 Commercial $25015-30034 1/29/15 592 S Crest Rd Chattanooga, TN 37404 Residential $48015-30035 1/30/15 4308 Highwood Dr Chattanooga, TN 37415 Residential $975LAND DISTURBING _______________________________________________________________________15-40025 1/28/15 4124 Zephyr Dr Chattanooga, TN 37416 Residential $1,00015-40027 1/28/15 2508 Hamilton Cove Dr Chattanooga, TN 37421 Residential $1,50015-40028 1/28/15 582 Dodson Ave Chattanooga, TN 37404 Residential $80015-40029 1/30/15 1323 Greenwood Rd Chattanooga, TN 37411 Residential $50015-40030 1/30/15 108 Abernathy St Chattanooga, TN 37405 Residential $3,000MECHANICAL ___________________________________________________________________________15-50046 1/26/15 8560 Keystone Cir Chattanooga, TN 37421 Residential $4,85015-50047 1/26/15 1726 Gunbarrel Rd, Ste#150 Chattanooga, TN 37421 Commercial $16,946

15-50048 1/26/15 1291 Enclave Rd Chattanooga, TN 37415 Residential $10,50015-50049 1/27/15 3561 Garner Rd Chattanooga, TN 37406 Residential $4,30015-50050 1/27/15 3546 Willow Lake Cir Chattanooga, TN 37419 Residential $8,00015-50051 1/27/15 701 S Crest Rd Chattanooga, TN 37404 Residential $8,00015-50052 1/27/15 3426 Enclave Bay Dr Chattanooga, TN 37415 Residential $39,00015-50053 1/27/15 3535 Willow Lake Cir Chattanooga, TN 37419 Residential $3,90015-50054 1/27/15 1205 Helena Dr, Apt# A&B Hixson, TN 37343 Residential $9,86015-50055 1/27/15 718 Sylvan Ave Chattanooga, TN 37411 Residential $2,850PLUMBING ______________________________________________________________________________15-60073 1/26/15 3361 Hughes Ave Chattanooga, TN 37410 Residential $3,50015-60074 1/26/15 3341 Hughes Ave Chattanooga, TN 37410 Residential $3,50015-60075 1/26/15 529 Mariner Way Chattanooga, TN 37402 Residential $3,50015-60076 1/26/15 525 Mariner Way Chattanooga, TN 37402 Residential $3,50015-60077 1/26/15 545 Mariner Way Chattanooga, TN 37402 Residential $3,50015-60078 1/26/15 541 Mariner Way Chattanooga, TN 37402 Residential $3,50015-60079 1/26/15 537 Mariner Way Chattanooga, TN 37402 Residential $3,50015-60080 1/26/15 5600 Alabama Ave Chattanooga, TN 37409 Residential $3,40015-60081 1/26/15 109 Ochs Hwy Chattanooga, TN 37409 Residential $3,90015-60082 1/27/15 2101 E 13Th St Chattanooga, TN 37404 Residential $4,55015-60083 1/27/15 516 E 5Th St Chattanooga, TN 37403 Residential $60015-60084 1/27/15 6410 Fairview Rd Hixson, TN 37343 Residential $2,70015-60085 1/27/15 2750 Waterhaven Dr Chattanooga, TN 37406 Residential $6,40015-60086 1/27/15 5451 Bungalow Cir Hixson, TN 37343 Residential $4,60015-60087 1/28/15 5619 St Elmo Ave Chattanooga, TN 37409 Residential $7,00015-60088 1/28/15 701 S Crest Rd Chattanooga, TN 37404 Residential $10,00015-60089 1/28/15 1878 Lela Ln Chattanooga, TN 37421 Residential $80015-60090 1/28/15 305 Glenwood Dr Chattanooga, TN 37404 Residential $4,00015-60091 1/28/15 2603 E 44Th St Chattanooga, TN 37407 Residential $1,50015-60092 1/28/15 429 Wayne Ave Chattanooga, TN 37405 Residential $2,50015-60093 1/28/15 1200 E 32Nd St Chattanooga, TN 37407 Residential $70015-60094 1/28/15 8106 Royal Dr Chattanooga, TN 37421 Residential $80015-60095 1/28/15 5201 Austin Rd Hixson, TN 37343 Commercial $6,10015-60097 1/29/15 1100 Jarvis Ave Chattanooga, TN 37411 Residential $3,00015-60098 1/29/15 1803 Carson Ave Chattanooga, TN 37404 Residential $3,00015-60099 1/29/15 1815 Rankin St Chattanooga, TN 37421 Residential $25015-60100 1/30/15 6766 Big Ridge Rd Hixson, TN 37343 Residential $1,80015-60101 1/30/15 930 Douglas St Chattanooga, TN 37403 Residential $294,90015-60102 1/30/15 4308 Highwood Dr Chattanooga, TN 37415 Residential $7515-60103 1/30/15 1004 N Market St Chattanooga, TN 37405 Residential $5,300SIGN ___________________________________________________________________________________14-70320 1/27/15 1405 Cowart St Chattanooga, TN 37402 Permanent $30014-70489 1/26/15 4831 Bonny Oaks Dr Chattanooga, TN 37416 Permanent $1,20014-70504 1/26/15 4816 Hixson Pike Hixson, TN 37343 Permanent $2,00014-70789 1/27/15 1803 E 23Rd St Chattanooga, TN 37404 Permanent $5,00015-70021 1/29/15 601 Cumberland St Chattanooga, TN 37404 Permanent $1,96915-70029 1/28/15 1340 Reserve Way Chattanooga, TN 37421 Permanent $2,70015-70031 1/30/15 6016 Shallowford Rd Chattanooga, TN 37421 Permanent $6,866STREET CUT ____________________________________________________________________________15-80085 1/26/15 1105 Richard Ave Chattanooga, TN 37404 Water $10015-80086 1/26/15 6623 Gary Ln Chattanooga, TN 37421 Water $10015-80087 1/26/15 4703 Michigan Ave Chattanooga, TN 37409 Water $10015-80088 1/26/15 3200 Brainerd Rd Chattanooga, TN 37411 Water $10015-80089 1/26/15 1510 E 46Th St Chattanooga, TN 37407 Water $10015-80090 1/26/15 3133 Campbell St Chattanooga, TN 37406 Water $10015-80091 1/26/15 1916 E 26Th St Chattanooga, TN 37407 Water $10015-80092 1/26/15 1331 N Concord Rd Chattanooga, TN 37421 Water $10015-80093 1/26/15 4101 Hughes Ave Chattanooga, TN 37410 Water $10015-80094 1/26/15 1952 Rossville Ave Chattanooga, TN 37408 Water $10015-80095 1/26/15 1 Aster Ave Chattanooga, TN 37419 Water $10015-80096 1/26/15 4505 Cain Ave Chattanooga, TN 37410 Water $10015-80097 1/26/15 400 Harper St Chattanooga, TN 37405 Water $10015-80098 1/26/15 4417 Byrd Ave Chattanooga, TN 37406 Water $10015-80099 1/26/15 225 Shallowford Rd Chattanooga, TN 37411 Water $10015-80100 1/26/15 388 Harper St Chattanooga, TN 37405 Water $10015-80101 1/26/15 5515 Old Wauhatchie Pike Chattanooga, TN 37409 Water $10015-80102 1/26/15 1724 Heaton St Chattanooga, TN 37406 Water $10015-80103 1/26/15 2320 Green Forest Ln Chattanooga, TN 37406 Water $10015-80104 1/26/15 4229 Kellys Ferry Rd Chattanooga, TN 37419 Water $10015-80105 1/27/15 4801 St Elmo Ave Chattanooga, TN 37409 Water $10015-80106 1/27/15 516 Terrell St Chattanooga, TN 37411 Water $10015-80107 1/27/15 701 Market St Chattanooga, TN 37402 Water $10015-80108 1/27/15 307 E 8Th St Chattanooga, TN 37403 Water $10015-80109 1/27/15 3013 Riverside Dr Chattanooga, TN 37406 Water $10015-80110 1/27/15 1611 Parkway Dr Chattanooga, TN 37406 Water $10015-80111 1/27/15 601 N Highland Park Ave Chattanooga, TN 37404 Water $10015-80112 1/27/15 4111 N Terrace Chattanooga, TN 37411 Water $10015-80113 1/27/15 4603 Carr Ter Chattanooga, TN 37416 Water $10015-80115 1/27/15 101 Broad St Chattanooga, TN 37402 Water $10015-80116 1/27/15 448 Moccasin Bend Rd Chattanooga, TN 37405 Water $10015-80117 1/27/15 3000 Richard Ave Chattanooga, TN 37404 Water $10015-80118 1/27/15 21 Trewhitt St Chattanooga, TN 37405 Water $10015-80119 1/27/15 1607 Arlington Ave Chattanooga, TN 37406 Water $10015-80120 1/27/15 6004 Lee Hwy Chattanooga, TN 37421 Water $10015-80121 1/27/15 4130 Caine Ln Chattanooga, TN 37411 Water $10015-80122 1/27/15 531 Arlington Ave Chattanooga, TN 37406 Water $10015-80123 1/27/15 3853 Conahaney Trl Chattanooga, TN 37406 Water $10015-80124 1/27/15 1266 Durham Dr Chattanooga, TN 37421 Water $10015-80125 1/27/15 1266 Durham Dr Chattanooga, TN 37421 Water $10015-80126 1/27/15 1659 Jeanaga Trl Chattanooga, TN 37406 Water $10015-80127 1/29/15 1400 Madison St Chattanooga, TN 37408 Gas $10015-80128 1/29/15 4419 Fagan St Chattanooga, TN 37410 Gas $10015-80129 1/29/15 3131 Waterfront Dr Chatanooga, TN 37419 Gas $10015-80130 1/29/15 208 Peak St Chattanooga, TN 37405 Gas $10015-80131 1/29/15 206 Peak St Chattanooga, TN 37405 Gas $10015-80132 1/29/15 1427 Glen Haven Pl Chattanooga, TN 37405 Gas $10015-80133 1/29/15 1318 W 45Th St Chattanooga, TN 37409 Gas $10015-80134 1/29/15 2915 8Th Ave Chattanooga, TN 37407 Gas $10015-80135 1/29/15 408 Rosewood Ave Chattanooga, TN 37405 Electrical $30015-80136 1/29/15 729 Chestnut St Chattanooga, TN 37402 Telecom $20,00015-80137 1/29/15 737 Market St Chattanooga, TN 37402 Water $10015-80138 1/29/15 737 Market St Chattanooga, TN 37402 Water $5015-80139 1/29/15 737 Market St Chattanooga, TN 37402 Water $5015-80140 1/29/15 117 E 7Th St Chattanooga, TN 37402 Water $10015-80141 1/29/15 2807 E 47Th St Chattanooga, TN 37407 Water $10015-80142 1/29/15 2407 Latta St Chattanooga, TN 37406 Water $10015-80143 1/29/15 702 Moccasin Bend Rd Chattanooga, TN 37405 Water $10015-80144 1/29/15 500 W 26Th St Chattanooga, TN 37408 Water $10015-80145 1/29/15 1610 Berkley Cir Chattanooga, TN 37405 Water $10015-80146 1/29/15 1004 Meroney St Chattanooga, TN 37405 Sewer $500

Deeds With Consideration Of $150,000 Or More January 5-9, 2015 Grantor Grantee Address Legal Description Parcel # Price

NOTIFICATION OF PUBLIC SALE WHAT: ThefollowingassetofDown‚Transportation Services, Inc. shall be sold at public auction: - 2003 Freightliner (VIN #1FUJAPCG73DL01681) WHEN: March 4, 2015 at 10:00 A.M. EST. The tractor to be sold may be viewed by appointment by calling (423) 942-1911. WHERE: 400 W. Lake Avenue, Rossville, Geor-gia 30741. TERMS: Full payment within forty eight (48) hours by cash, cashier‚Äôscheck,orothermethodapprovedbyMikeJacowayofTruckInsurance Group, LLC. The tractor shall not be turned over to purchaser until full payment has been received. SELLER: Truck Insurance Group, LLC HCH4T-2/6,2/13,2/20,2/57/15

NOTICE OF FORECLOSURE SALE STATE OF TENNESSEE, HAMIL-TON COUNTY WHEREAS, Robin W. Howard executed a Deed of Trust to Mortgage Electronic Registration Systems, Inc. as nominee for SunTrust Mortgage, Inc., Lender and Larry A. Weissman, Trustee(s), which was dated June 22, 2007 and recorded on June 25, 2007 in Book GI 8383, Page 679, Hamilton County, Tennessee Register of Deeds. WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, SunTrust Mortgage, Inc., (the Holder), appointed the un-dersigned, Brock & Scott, PLLC, as Substitute Trustee, by an instrument dulyrecordedintheOfficeoftheRegisterofDeedsofHamiltonCounty,Tennessee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on March 3, 2015, at 10:00AM at the usual and customary location at the Hamilton County Courthouse, Chat-tanooga, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Hamilton County, Tennessee, to wit: Lot 18 of the Opossum Creek Cabin Site Sub-division, as shown on a plat of the said subdivision which is recorded and onfileinPlatBook16,Page7intheRegister’sOfficeofHamiltonCounty,Tennessee, the said subdivision being located in the Third Civil District of Hamilton County, Tennessee, on the West shores of the Opossum Creek Embayment of Chickamauga Lake, approximately 1 mile Northwest of the mouth of the said embayment. The above designated lot contains 2.10 acres, more or less. Lot 19 of the Opossum Creek Cabin Site Subdivi-sion, as shown on a plat of the said subdivision which is recorded and on fileinPlatBook16,Page7intheRegister’sOfficeofHamiltonCounty,Tennessee, the said subdivision being located in the Third Civil District of Hamilton County, Tennessee, on the West shores of the Opossum Creek Embayment of Chickamauga Lake, approximately 1 mile Northwest of the mouth of the said embayment. The above designated lot contains 1.69 acres, more or less. Being the same real property conveyed to Robin W. Howard from Thurman Ralph Woodward and Sharon J. Woodward by Warranty Deed dated June 22, 2007, recorded on June 25, 2007, in Book GI 8383, Page 677, Register’s Office of Hamilton County, Tennessee.Subject to any governmental zoning and subdivision ordinances or regu-lations in effect thereon. Subject to all conditions, restrictions, reservations and agreements of record in warranty deeds recorded in Book 1041, Page 99andBook1358,Page166,insaidRegister’sOffice.ParcelIDNumber:042B-A016 and 042B-A017 Address/Description: 1612 Arapaho Drive, Soddy Daisy, TN 37379. Current Owner(s): Robin W. Howard. Other Inter-ested Party(ies): Mortgage Electronic Registration Systems, Inc. as nomi-nee for SunTrust Mortgage, Inc. and Discover Bank Issuer of Discover Card. The sale of the property described above shall be subject to all mat-ters shown on any recorded plat; any and all liens against said property for unpaid property taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as anyprioritycreatedbyafixturefiling;adeedoftrust;andanymatterthanan accurate survey of the premises might disclose; and All right and equity of redemption, statutory or otherwise, homestead, and dower are express-ly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and placeforthesalesetforthabove.Thisofficeisattemptingtocollectadebt.Any information obtained will be used for that purpose. Brock & Scott, PLLC, Substitute Trustee c/o Tennessee Foreclosure Department 277 Mallory Station Road Suite 115 Franklin, TN 37067 PH: 615-550-7697 FX: 615-550-8484 File No.: 15-00804 BCNS78215 HCH3T-2/6,2/13,2/20/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated June 21, 2013, and the Deed of Trust of even date securing the same, recorded June 25, 2013, in Book No. GI9988, at Page 239, in OfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executedby Thomas B. Mills, II, conveying certain property therein described to Arnold M. Weiss, Esq. as Trustee for Wells Fargo Bank, N.A. ; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, NA. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by Wells Fargo Bank, NA, will, on March 26, 2015 on or about 10:00 AM, at the Hamilton County Courthouse - West Door, Chattanooga, Tennessee, offer for sale certain propertyhereinafterdescribedtothehighestbidderFORcertifiedfundspaid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all ex-emptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: Lot Seven (7), Mountain View Addition, asshownonplatrecordedinPlatBook51,Page57,intheRegister’sOf-ficeofHamiltonCounty,Tennessee.Subjectto:AnyGovernmentalzoningand subdivision ordinances and regulations in effect thereon. Subject to: Restrictions of record in Book X, Volume 15, Page 92, and in Book H, Volume16,Page708,insaidRegister’sOffice.Subjectto:Five(5)footPower and Communication Easement as shown on recorded plat. Sub-ject to: Ten (10) foot Utility Easement as shown on recorded plat, Subject to: Conditions and easements or record in Book 2116, Page 186, in said Register’sOffice.Subjectto:Allmattersasshownonrecordedplat.ALSOKNOWN AS: 3908 Tacoma Avenue, Chattanooga, TN 37415-4135 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any prioritycreatedbyafixturefiling;andtoanymatterthatanaccuratesur-vey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: MILLS, II, THOMAS B. TENANTS OF The sale held pursuant to this Notice may be rescinded at theSuccessorTrustee’soptionatany time. Theright is reserved toadjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 301940 DATED January 22, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 0211227172 FOR SALE IN-FORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-2/6,2/13,2/20/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated July 29, 2011, and the Deed of Trust of even date securing the same, recorded August 4, 2011, in Book No. GI 9450, at Page 73, in OfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executedby Kevin C. Baumgartner and Kristie G. Baumgartner, conveying certain property therein described to Arnold M. Weiss, Esq. as Trustee for Wells Fargo Bank, N.A. ; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, N.A.. NOW, THEREFORE, notice is hereby given that the entire indebted-ness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by Wells Fargo Bank, N.A., will, on March 26, 2015 on or about 10:00 AM, at the Hamilton County Courthouse - West Door, Chattanooga, Tennes-

PUBLIC NOTICES

See NOTICES, page 8

East Brainerd Partners East Brainerd LLC 7804 East Brainerd Rd L:1 159P A 003.01 $4,757,468Wba-Chattanooga LLC Bachman, Robert 3550 Broad St L:1 Pettway 155J F 003.01 $4,604,000Cerberus Realty Co LLC 1150 LLC L:11 Chattanooga $2,760,000Marshall, Margaret C; Marshall, Robert N Jr Webb, Brian Jeffrey; Webb, Elizabeth F L:35-A Chattanooga $645,000Palmer, Mark Hamilton; Palmer, Susan Yard Hoyle, Kerry L 2371 Little Bend Rd L:153 Little Bend Addn Boston Branch 064C B 002 $547,500Lucky Frogs LLC Westwood Ventures LLC L:2A Chattanooga $532,500Boyden, Amy W; Boyden, John William II Meehan, Brandy H; Meehan, Kayvon 2881ReflectionLn L:93 Ooltewah 150J E 029 $510,000Ken Defoor Properties Mtl Hixson LLC 1005 Executive Dr L:6 110H E 004.26 $504,623Mills, Joshua T; Mills, Stephanie L Eaton, Bryan Moran; Eaton, Mari Afanador $498,000Smith, Robert G; Smith, Wanda S Carr, Jonathan C; Carr, Katherine E 9115 Finney Point Dr L:81 Stratford Place 131M A 013 $479,000Barrier Properties LLC Sentef Consultant Group LLC $424,320Pratt Homebuilders II LLC Boggess, Scott F; Boggess, Wendy C 7914 Hampton Cove Dr L:61 103E A 012 $417,710George, Larry D; George, Patricia G Thul, Jeffry J; Thul, Susan M 9509 Balata Dr L:44 Mountain Lake Estates 123C A 004 $417,000Morrison, James W II Bergquist, Noel M $396,400Brumlow & Martin Inc Ldah LLC 7610 Lee Hwy L:1 139J H 006.01 $385,000Sikkelee, Paul B Smith, Robert G; Smith, Wanda S $374,000Middleton, Frazer; Middleton, Kyla Nichole Deckard, Colt J A; Deckard, Victoria 9702 Cloverleaf Pl L:266 The Overlook At Windstone 172I H 006 $365,000Tim C Thomas Inc Sbc II Reo LLC $350,000Holdridge, Lois Ann Lancaster, Christopher S; Lancaster, Julia B 4391 Obar Dr L:256 Chattanooga $340,000Ssf LLC Clingan, W Keith III 6518 Hixson Pike L:39 Gold Point Estates 101B C 016 $338,000Rtb Holdings LLC Stebbing, Joyce P; Stebbing, Roger F Oliver St L:PR 15 Frazier & Colvilles Addn 135D M 013 $329,700Lancaster, C Scott; Lancaster, Julia Obringer, Bruce 6207 St Andrews Way L:30 Arbor Landing 100C A 030 $327,000G T Issa Construction LLC Heckler, Christina; Heckler, Jason 8154 Savannah Bay Dr L:14 104H B 014 $325,000Chattanooga Properties LLC Fulk, James Alan II; Fulk, Stephanie Marie Merlin Dr L:9 Drake Forest 149O C 009 $312,381Farrell, Margaret T Hayes, Asa Steven 7120 Homestead Cir L:30 Southland Pointe Sub 091D F 027 $300,000

See DEEDS, page 8

8 | February 6-12, 2015 Submit a legal notice : [email protected] or call 800-420-5103 www.hamiltoncountyherald.com

see, offer for sale certain property hereinafter described to the highest bidderFORcertified funds paid at the conclusion of the sale, or creditbid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamil-ton County, Tennessee, and being more particularly described as fol-lows: Land in Hamilton County, Tennessee, being Lot No. Three (3), on the Plan of Creek Meadow Subdivision, of record in Plat Book 42, Page 301,Register’sOfficeforsaidCounty,towhichPlanreferenceisherebymade for a more complete description. Subject to all easements, restric-tive covenants and conditions, and other matters of record, including all items set out on any applicable plat of record. ALSO KNOWN AS: 1429 Lee Pike, Soddy Daisy, TN 37379-8044 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statu-tory rights of redemption of any governmental agency, state or federal; anypriorliensorencumbrancesaswellasanyprioritycreatedbyafixturefiling;and toanymatter thatanaccuratesurveyof thepremisesmightdisclose. In addition, the following parties may claim an interest in the above-referenced property: BAUMGARTNER, KEVIN C. BAUMGART-NER, KRISTIE G. The sale held pursuant to this Notice may be rescinded at theSuccessorTrustee’soptionatany time. Theright is reserved toadjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 301332 DATED January 22, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 481-334577 8 FOR SALE IN-FORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-2/6,2/13,2/20/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated January 13, 2005, and the Deed of Trust of even date secur-ing the same, recorded January 19, 2005, in Book No. GI 7401, at Page 519,inOfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executed by Melissa Hicks, conveying certain property therein described to Emmett James House or Bill McLaughlin as Trustee for Union Planters Bank, NA; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by EverBank. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by EverBank, will, on March 23, 2015 on or about 3:00 PM, at the Hamilton County Courthouse, Chat-tanooga, Tennessee, offer for sale certain property hereinafter described tothehighestbidderFORcertifiedfundspaidattheconclusionofthesale,or credit bid from a bank or other lending entity pre-approved by the suc-cessor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TEN-NESSEE: Lots Six (6), Seven (7) and the East 1/2 of Lot Five (5), Block Six (6), Cherokee Park, as shown by plat recorded in Plat Book 6, page 3,intheRegister’sOfficeofHamiltonCounty,Tennessee.ALSOKNOWNAS: 1810 Newell Avenue, Chattanooga, TN 37404 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be ap-plicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority createdbyafixturefiling;and toanymatter thatanaccuratesurveyofthe premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: HICKS, MELISSA SAFE ARM, INC. SUNTRUST BANK TENNESSEE HOUSING DEVELOP-MENT AGENCY The sale held pursuant to this Notice may be rescinded at theSuccessorTrustee’soptionatany time. Theright is reserved toadjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 300059 DATED January 26, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 9000560871 FOR SALE IN-FORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-2/6,2/13,2/20/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated October 12, 2006, and the Deed of Trust of even date secur-ing the same, recorded October 25, 2006, in Book No. GI 8126, at Page 428,inOfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executed by Tonya M. McCauley, conveying certain property therein de-scribed to EquiTitle, Inc. as Trustee for Mortgage Electronic Registration Systems, Inc., as nominee for First American Equity Corp., its successors and assigns; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by US Bank National Association, as Trustee for Citigroup Mortgage Loan Trust 2007-WFHE1, Asset-Backed Pass-Through Certificates, Series 2007-WFHE1. NOW, THEREFORE,notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by US Bank National Associa-tion, as Trustee for Citigroup Mortgage Loan Trust 2007-WFHE1, Asset-BackedPass-ThroughCertificates,Series2007-WFHE1,will,onMarch 2, 2015 on or about 3:00 PM, at the Hamilton County Courthouse, Chat-tanooga, Tennessee, offer for sale certain property hereinafter described to the highest bidder FORcertified funds paid at the conclusion of thesale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly de-scribed as follows: Located in the City of Chattanooga, Hamilton County, Tennessee:Being Lot Six (6), Franklin Subdivision, as shown by plat of record inPlatBook 68,Page 137, in theRegister’sOffice ofHamiltonConnty, Tennessee. Subject to Any governmental zoning and subdivision ordinances and regulations in effect thereon. Subject to Applicable condi-tions and easements, if any, in subdivision regulations recorded in Book 2116,Page186,intheRegister’sOfficeofHamiltonCounty,Tennessee.Subject to Easements and other matters on plat recorded in Plat Book 68,Page 137, in theRegister’sOffice ofHamiltonCounty,Tennessee.ALSO KNOWN AS: 2240 Tunnel Boulevard, Chattanooga, TN 37406-2632 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances aswellasanyprioritycreatedbyafixturefiling;and toanymatter thatan accurate survey of the premises might disclose. In addition, the fol-lowing parties may claim an interest in the above-referenced property: MCCAULEY, TONYA M. The sale held pursuant to this Notice may be rescinded at the Successor Trustee’s option at any time. The right isreserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 245800 DATED January 26, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-2/6,2/13,2/20/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust

Note dated October 15, 2010, and the Deed of Trust of even date secur-ing the same, recorded October 27, 2010, in Book No. GI 9278, at Page 518,inOfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executed by Theodore R. Thurman, conveying certain property therein described to First American as Trustee for Mortgage Electronic Registra-tion Systems, Inc., as nominee for WCS Lending, LLC, A Florida Limited Liability Company, its successors and assigns; and the undersigned, Wil-son & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, N.A.. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Succes-sor Trustee, by Wells Fargo Bank, N.A., will, on March 26, 2015 on or about 10:00 AM, at the Hamilton County Courthouse - West Door, Chat-tanooga, Tennessee, offer for sale certain property hereinafter described tothehighestbidderFORcertifiedfundspaidattheconclusionofthesale,or credit bid from a bank or other lending entity pre-approved by the suc-cessor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: In The Third Civil District Of Hamilton County, Tennessee: Lot Thirty-Five (35), Chimney Hills Subdivision, Phase 1, as shown by plat of record inPlatBook43,Page109, in theRegister’sOfficeofHamil-ton County, Tennessee. ALSO KNOWN AS: 2302 Chimney Hills Drive, Soddy Daisy, TN 37379-3120 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrancesaswellasanyprioritycreatedbyafixturefiling;andtoanymatter that an accurate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced prop-erty: THURMAN, THEODORE R. ESTATE OF THEODORE R. THURMAN UNKNOWN HEIRS OF THEODORE R. THURMAN The sale held pursu-anttothisNoticemayberescindedattheSuccessorTrustee’soptionatany time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announce-ment at the time and place for the sale set forth above. W&A No. 229578 DATED January 26, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 481-3245596 FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-2/6,2/13,2/20/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated June 13, 2007, and the Deed of Trust of even date securing the same, recorded June 14, 2007, in Book No. GI 8373, at Page 428, in OfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executedby Garry Posey, conveying certain property therein described to First American Title Insurance Company as Trustee for Mortgage Electronic Registration Systems, Inc., as nominee for MortgageIT, Inc., its succes-sors and assigns; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, N.A.. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & As-sociates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by Wells Fargo Bank, N.A., will, on March 12, 2015 on or about 10:00 AM, at the Hamilton County Courthouse - West Door, Chattanooga, Tennessee, offer for sale certain property hereinafter described to the highest bidder FOR certifiedfundspaidattheconclusionofthesale,orcreditbidfromabankor other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Ten-nessee, and being more particularly described as follows: LOCATED IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: TRACT ONE (1): The North 43.5 feet of the East 40 feet of Lot Eighty (80), Map of Park Place, as shown by plat of record in Plat Book 1, Page 2 in the Register’sOfficeofHamiltonCounty,Tennessee.Saidpartoflotfronts40feet on the South line of an alley and extends back Southwardly, along the East line of Lot Eighty (80), between parallel lines 43.5 feet. TRACT TWO (2): The North 43.5 feet of Lot Seventy-nine (79), Park Place Addition, as shownbyplatofrecordinPlatBook1,Page2intheRegister’sOfficeofHamilton County, Tennessee. According to said plat, said part of lot fronts 43.5 feet on the West line of Central Avenue (formerly East End Avenue) and extends Westwardly between parallel lines, along the South line of an alley, 50 feet on the East line of Lot Eighty (80) of said Addition. ALSO KNOWN AS: 915 Central Avenue, Chattanooga, TN 37403-3013 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any prioritycreatedbyafixturefiling;andtoanymatterthatanaccuratesurveyof the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: POSEY, GARRY The sale heldpursuanttothisNoticemayberescindedattheSuccessorTrustee’soption at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 301397 DATED January 26, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 458250708 FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 3, 2015 at 12:00PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of

Trust executed by Georgia Ann Schell an un-married woman, to Kath-ryn L. Harris, Trustee, on February 22, 2008 at Book GI 8597, Page 59; all of record in theHamiltonCountyRegister’sOffice.Party entitled toenforce security interest: CitiMortgage, Inc., its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Lot Four (4), Westview Park as shown on cor-rectionplatofrecordinPlatBook49,page336,intheRegister’sOfficeofHamilton County, Tennessee. REFERENCE is made for prior title to Deed of record inBook6609, page694, in theRegister’sOfficeofHamiltonCounty, Tennessee. SUBJECT TO all easements and stipulations shown on said plat. SUBJECT TO Easement granted to the Electric Power Board ofChattanoogaofrecordinBook4018,page401,intheRegister’sOfficeof Hamilton County, Tennessee. SUBJECT TO rights of others in party walls. SUBJECT TO restrictions of record in Book 4073, page 92 and Supplemental Declaration of Covenants and Restrictions of record in Book 6325,page486,intheRegister’sOfficeofHamiltonCounty,Tennessee,but omitting any covenant or restriction based on race, color, religion, sex, handicap, familial status or national origin unless and only to the extent that said covenant (a) is exempt under Chapter 42, Section 3607 of the United States Code or (b) relates to handicap but does not discriminate against handicapped persons. Parcel Number: 108E C 004.12 Current Owner(s) of Property: Georgia Ann Schell Other interested parties: West-viewParkTownhomesOwners’Association,WestviewParkTownhomesOwners’AssociationStreetAddress:645 Westview Road, Chattanooga, Tennessee 37415 Secondary Property Address: 645 West View Road, Chattanooga, Tennessee 37415 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of eq-uity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 15-063201 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 3, 2015 at 12:00PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by David G. Perry, also known of record as David Perry, to Robert M. Wilson, Jr., Trustee, on January 23, 2006 at Book GI 7825, Page49;allofrecordintheHamiltonCountyRegister’sOffice.Partyen-titled to enforce security interest: HSBC Bank USA, National Association as Trustee for Merrill Lynch Mortgage Investors, Inc., Mortgage Pass-ThroughCertificates,MLMISeries2006-A3, itssuccessorsandassignsThe following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: LOCATED in the City of Chattanooga, Hamilton County, Tennessee: Lot Ten (10), Sequoia Place Extension, as shown by platofrecordinPlatBook14,Page71,intheRegister’sOfficeforHamil-ton County, Tennessee. Parcel Number: 157B G 016 Current Owner(s) of Property: David Perry Street Address: 303 Shawnee Trail, Chattanooga, Tennessee 37411 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-060840 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 17, 2015 at 12:00PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Susan D. Beaty f/k/a Susan Diane Ballard, to James S. Webb, Trustee, on October 18, 2002 at Book GI 6419, Page 902; all of recordintheHamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurity interest: JPMorgan Chase Bank, National Association, its succes-sors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid tax-

es, prior liens and encumbrances of record: Located in the Second (2nd) Civil District of Hamilton County, Tennessee, to wit: Being Lot Number One (1), Ballard Family Subdivision, as shown by plat of record in Plat Book 53, Page163,Register’sOfficeofHamiltonCounty,Tennessee.TOGETHERWITH all rights to right of way easement as described in Book 3328, Page 513,Register’sOfficeofHamiltonCounty,Tennessee.SUBJECTtoanyapplicable governmental zoning ordinances or subdivision regulations in effect thereon. SUBJECT to provisions as set out in that instrument re-gardingsubdivisionplatsofrecordinBook2116,page186,Register’sOf-ficeofHamiltonCounty,Tennessee.SUBJECTtoprivateroadeasementassetoutininstrumentrecordedinBook3328,page513,Register’sOf-ficeofHamiltonCounty,Tennessee.ParcelNumber:159O-C-020.11Cur-rent Owner(s) of Property: Susan Diane Beaty, being one and the same person as Susan Diane Ballard Other interested parties: The Bank/First Citizens Bank, Branch Banking and Trust Company c/o Brock & Scott, PLLC, Martin L. Pierce, State of Tennessee, Commissioner of Revenue Street Address: 1139 Shady Rest Road, Chattanooga, Tennessee 37421 Secondary Property Address: * Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. Notice of this Substitute Trustee’s Sale has been timely given to the State ofTennessee as required by T.C.A. § 67-1-1433(b)(1). Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower, and the rights of Susan D. Beaty f/k/a Susan Diane Ballard, and those claiming through them, and subject to the right of redemption by the DEPARTMENT OF REVENUE, STATE OF TENNESSEE by reason of tax lien of record in State Tax Lien at Book GI 10234 Page 437 recorded 06/13/2014attheRegister’sOfficeofHamiltonCounty,Tennessee,sub-ject to any accrued taxes and restrictions. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 08-005322 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 3, 2015 at 12:00PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Nathan P Rogers, unmarried, to Francis McEyeson, Trustee, on October 14, 2009 at Book GI 9039, Page 355; all of record in theHamiltonCountyRegister’sOffice.Partyentitled toenforcesecurityinterest: JPMorgan Chase Bank, National Association, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: LOCATED IN THE THIRD CIVIL DISTRICT, HAMILTON COUNTY, TENNESSEE: BEGINNING at an iron pin in the Southwest corner of the property owned by Tommy Gene Leming and re-cordedinBook3762,Page585,intheRegister’sOffice,HamiltonCounty,Tennessee, said point also being the Southeast corner of the property owned by Archie and Bettie Milligan and recorded in Book 2207, Page 446, in saidRegister’sOffice; thenceSouth02º44’51”East,adistanceof 56.52 feet to a 5/8” rebarwith cap; thenceSouth 10º02’08” East, adistance of 84.99 feet to a 5/8” rebarwith cap in theNorth line of theproperty owned by James A. Jr. and Sharon Scealf and recorded in Book 3142,Page247, insaidRegister’sOffice; thencealongsaidNorth lineNorth81º58’34”West,adistanceof210.26feettoa5/8”rebarwithcapinthe East right-of-way line of Brumlow Hollow Road, having a right-of-way widthof30 feet; thenceNorth05º29’19”West,adistanceof19.13 feetalong the East right-of-way of Brumlow Hollow Road to a point of curve to the right with a radius of 185.0 feet, a tangent of 25.26 feet, a delta of 15º33’00”alengthof50.21feettoapointinsaidEastright-of-wayline;thenceNorth10º03’41”East,adistanceof74.08feettoa5/8”rebarwithcap in said East right-or-way; thence leaving said right-or-way line South 80º02’00”East,adistanceof180.29feettothepointofbeginning,con-taining 0.63 acres, more or less, as shown on Survey by James G. Copp, RLS #1096, Copp Engineering Group, dated 5-16-07. Being the same property conveyed to Hubert Gene Shipley, III, single, by Warranty Deed from James Cummins recorded March 16, 2007 in Book 8273, Page 455, intheRegister’sOffice,HamiltonCounty,Tennessee.SeealsoBoundaryLine Agreement and Quitclaim Deed between Hubert Gene Shipley, III, single, and Tommy Gene Leming and wife, Dale Leming, recorded June 1, 2007inBook8358,Page348,insaidRegister’sOffice.Beingthesameproperty conveyed to Nathan P. Rogers by Warranty Deed recorded in Book9039,page352,intheRegister’sOfficeofHamiltonCounty,Tennes-see. Parcel Number: 048D F 019 Current Owner(s) of Property: Nathan P. Rogers, an unmarried individual Street Address: 301 Brumlow Hollow Road, Soddy Daisy, Tennessee 37379 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION.* All right

See NOTICES, page 9

NOTICES Continued from page 7 Deeds With Consideration Of $150,000 Or More January 5-9, 2015 (Continued from page 7 Grantor Grantee Address Legal Description Parcel # Price Owens, Johnny M; Owens, Rhonda S Boulware, Robert Asher Jr; Boulware, Shannon Obrien 2064 Turnberry Cir L:33 Signature Oaks 083N F 003 $299,500Fannie Mae; Federal National Mortgage Assn Kamp, Michelle M; Kamp, Richard A Jr 8205 Trout Lily Dr L:378 114H E 001 $282,000Fannie Mae; Federal National Mortgage Assn Elrod, Hannah A; Elrod, Joshua F K 902 Murrell Rd L:1 Laurel Brook 098G C 022.04 $275,000Chattanooga Properties LLC Olive, Rebecca S $254,000Seven Lakes Associates LLC Haynes, Anthony W; Haynes, Susan D $250,000Fatherson Partnership Two Dearing, Fred E; Dearing, Libby G L:33 Chattanooga $248,889Haus Construction LLC Wilson, Hailey W; Wilson, Ryan N L:316 Chattanooga $248,000Hanson, Marie Andree; Norman, Kenneth R Jr Palmer, Heather M 2603 Crestwood Dr L:18 Chattanooga $245,000Paran Homes LLC Randle, Allen Shane; Randle, April Perry 9581 Hastings Way L:143 Wellesley Sub Ph 3 140N F 029 $242,000Banther, Jewell S Hudson, Duane A; Hudson, Tara L 8337 Heron Cir L:29 Heron Bay 095P A 069 $239,000Hgh Construction LLC Slaughter, Leisl Marie; Slaughter, Sean Thomas $236,750Prince, Cheryl Perry, Nicole Chattanooga $225,000Pollard, C Brenda; Pollard, Jack C Red Bank Baptist Church 12 Ashland Ter L:PT 13 Wades W G 109I G 002 $225,000Fatherson Partnership Two De La Garza, Alyssa; De La Garza, Jorge O 594 Hatch Trl L:128 033L C 004 $220,000Mckinney, Melissa A; Mckinney, Michael C Boles, Amanda; Boles, Christopher D 8422 Gracie Mac Ln L:184 104G A 122 $218,000Carr, Jonathan Cameron; Carr, Katherine E Worthington, Jimmy Gay; Worthington, Sheila Kay 8141 Harrison Bay Rd L:11 Waterpark Estates 094I C 011 $206,000Knipper, Celina A Chunchu, Sravanthi ; Kamasamudrum, Venkata Sesha Bharadwaj 841 Windrush Loop L:47 171O B 007 $202,000Ranyak, Jaroslav ; Ranyak, Susan Jw Holdings LLC 1136 Westwood Ave L:10 Chattanooga $200,000Smith, Billie J; Smith, Walter F Jr Stewart, Patricia 722 Creek Dr L:73 West Spring Lake 108D B 003.73 $198,000Durham Design LLC Barker, Lorrie M; Barker, Michael $193,250Crane, Dustin M; Crane, Melissa R Galbreath, Mark L; Sullivan, Melissa J 9024 Oak Haven Dr L:42 Oak Shadows #1 150P C 025 $189,000Wall, Terry Dempsey, Brian L; Dempsey, Crystal N $175,000Price, Belinda G; Price, Douglas T Jr Fletcher, Shardae L 9414 Seasons Dr L:26 Grants 160P D 012 $175,000Rush, Bryan R Mitchell, Lillian E; Smith, Walter E 4547 Crestview Dr L:53 Hillsdale 109G D 018.01 $172,000Bank Of New York Mellon Trust Co National Assn; Bank Of New York Trust Co Na; Jpmorgan Chase Bank Tr

Kildgore, Charles E; Kildgore, Cynthia L 9235 Shay Cove L:89 Fountaingate 171L G 019 $172,000


of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 14-062654 HCH3T-2/6,2/13,2/20/15

NOTICE OF FORECLOSURE SALE STATE OF TENNESSEE, HAMIL-TON COUNTY WHEREAS, Gloria D. Dover executed a Deed of Trust to Mortgage Electronic Registration Systems, Inc. as nominee for Branch Banking and Trust Company, Lender and Arnold M. Weiss, Trustee(s), which was dated July 8, 2011 and recorded on July 11, 2011 in Book GI 9433, Page 455, Hamilton County, Tennessee Register of Deeds. WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, Branch Banking and Trust Company, (the “Holder”), appointed the undersigned, Brock&Scott, PLLC, asSubsti-tuteTrustee,byan instrumentduly recorded in theOfficeof theRegis-ter of Deeds of Hamilton County, Tennessee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on March 3, 2015, at 10:00AM at the usual and customary location at the Hamilton County Courthouse, Chattanooga, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the follow-ing described property situated in Hamilton County, Tennessee, to wit: Lot Five (5), Block Four (4), Amended Plat of Shady Grove Addition, as shownbyplatrecordedinPlatBook14,Page85,oftheRegister’sOfficeof Hamilton County, Tennessee. According to said plat, said lot fronts 70 feet on the East line of South Moore Road and extends back eastwardly, between parallel lines, 140 feet to the East line of said block. Being the same real estate conveyed to Gloria D. Dover by Warranty Deed form Garlon Thomas Dobbs, Mary Alice Ingram, Michael Thomas Dobbs, and Diane Elizabeth Parker dated July 8, 2011, and recorded in Book GI 9433, Page452,Register’sOfficeofHamiltonCounty,Tennessee.Subject toany governmental zoning and/or subdivision ordinance or regulation in ef-fect thereon Subject to restrictions, conditions, reservations, easements and stipulations as set forth in instrument of record in Book 832, Page 648 intheRegister’sOfficeofHamiltonCounty,Tennessee.ParcelIDNumber:169B K 002 Address/Description: 808 South Moore Road, Chattanooga, TN 37412. Current Owner(s): Estate of Gloria D. Dover. Other Interested Party(ies): N/A The sale of the property described above shall be subject to all matters shown on any recorded plat; any and all liens against said property for unpaid property taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances aswellasanyprioritycreatedbyafixturefiling;adeedoftrust;andanymatter than an accurate survey of the premises might disclose; and All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announce-mentatthetimeandplaceforthesalesetforthabove.Thisofficeisat-tempting to collect a debt. Any information obtained will be used for that purpose. Brock & Scott, PLLC, Substitute Trustee c/o Tennessee Foreclo-sure Department 277 Mallory Station Road Suite 115 Franklin, TN 37067 PH: 615-550-7697 FX: 615-550-8484 File No.: 14-29147 BCNS78167 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE WHEREAS, default having been made in the payment of the debts and obligations secured by a Deed of Trust ex-ecuted on July 27, 2012, by Chenika Ramsey and Charles Olan Toney, Jr.toNETCO,Inc.,Trustee,forthebenefitofMortgageElectronicRegis-tration Systems, Inc. as sole nominee for Village Capital and Investment, LLCandappearingofrecordinRegister’sOfficeofHamiltonCounty,Ten-nessee,inBookGI9713,Page100;andWHEREAS,thebeneficialinter-est of said Deed of Trust was last transferred and assigned to Village Capi-tal and Investment, LLC and WHEREAS, Village Capital and Investment, LLC,as theholderof theNote forwhichdebt isowed, (“NoteHolder”),appointed the undersigned, Priority Trustee Services of TN, LLC, as Sub-stituteTrusteebyinstrumentfiledortobefiledforrecordintheRegister’sOfficeofHamiltonCounty,Tennessee,withalltherights,powersandprivi-leges of the original Trustee named in said Deed of Trust; and WHEREAS, pursuant to Tenn. Code Ann. § 35-5-117, not less than sixty (60) days priortothefirstpublicationrequiredby§35-5-101,thenoticeoftherightto foreclose was properly sent, if so required; and NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Note Holder, and that the undersigned, Priority Trustee Services of TN, LLC, Substitute Trustee, or its duly appointed attorneys or agents, by virtue of the power and authority vested in it, will on Thursday, March 5, 2015, commenc-ing at 11:00 a.m. at the Main Door (Walnut Street side) of the Hamilton County Courthouse location in Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Hamilton County, Tennessee, to wit: Lot 12, Brainerd Park, Block D, as shown on plat of record in Plat Book 10, Page 21, in the Register’sOffice,HamiltonCounty,Tennessee, towhich plat referenceis hereby made for a more particular description of said property. Being the same property or a portion of the same property conveyed to Chenika Ramsey by Instrument dated May 25, 2006 from I Buy Houses Cash, Inc. filedonJune05,2006asDocumentNumber2006060500365andinBookGI7965 at Page 438 in the Hamilton County records. Commonly known as: 5606 Pinelawn Avenue, Chattanooga, TN 37411 Parcel Number: 157L B 00400 PROPERTY ADDRESS: 5606 Pinelawn Ave, Chattanooga, TN 37411 CURRENT OWNER(S): Chenika Ramsey The sale of the above-described property shall be subject to all matters shown on any recorded plan; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and anymatter that an accuratesurvey of the premises might disclose. Substitute Trustee will only convey any interest he/she may have in the property at the time of sale. Property issold“asis,whereis.”Foreverylienorclaimoflienofthestateidentifiedabove, please be advised notice required by § 67-1-1433 (b)(1) was timely given and that any sale of the property herein referenced will be subject to the right of the state to redeem the land as provided for in § 67-1-1433(c)(1). All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon an-nouncement at the time and place for the sale set forth above. PRIORITY TRUSTEE SERVICES OF TN, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 File No.: 1R385714 Web Site: www.rcolegal.com Insertion Dates: 2/6/2015, 2/13/2015, 2/20/2015 TS#: 1R385714 FEI # 2013.02631 02/06/2015, 02/13/2015, 02/20/2015

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 27, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Ericia L. Clark and Darrell L. Hambrick, mar-ried,onNovember16,2007atBookGI8530,Page413;modifiedinBookGI9722,Page443;allofrecordintheHamiltonCountyRegister’sOffice.Party entitled to enforce security interest: U.S. Bank Trust, N.A., as Trust-ee for LSF9 Master Participation Trust, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encum-brances of record: In the First Civil District of Hamilton County, Tennessee: BeingtheSouthseventy-five(75)feetofLotSeventeen(17),Rolando,as

shownbyplatofrecordinPlatBook16,Page69intheRegister’sOfficeofHamilton County, Tennessee. According to said plat said part of lot fronts seventy-five (75) feet on theWestern line ofDixonStreet and extendsWestwardly between parallel lines along the Northern line of Talladega Driveadistanceofonehundredthirty-five(135)feettotheWesternlineofsaid subdivision. Parcel Number: 148G A 028 Current Owner(s) of Prop-erty: Ericia L. Clark Street Address: 5713 Talladega Drive, Chattanooga, Tennessee 37421 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-057551 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 4, 2015 at 11:30AM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Rodney H. Blaylock and Hollin J. Blaylock, to Charles E. Tonkin, II, Trustee, on March 19, 2010 at Book GI 9132, Page 424;allofrecordintheHamiltonCountyRegister’sOffice.Partyentitledto enforce security interest: JPMorgan Chase Bank, National Association, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Land in the Third Civil District of Hamilton County, Tennessee, being Lot No. Two (2), in the T. H. Dodd tract of land, South of Soddy, bordered on the East side by the Old Dayton Pike, on the North side by Will Ricketts, on the West side by T. H. Dodd property and on the South side by T. H. Dodd property. Said lot beginning at an iron pipe for a Southeast corner, running in a Southwestwardly direction 270.5 feet to a corner stone; thence running in a Northwestwardly direction approximately 126 feet to a corner stone in the Northwest corner, running thence Northeast 256.5 feet to an iron pipe at the Northeast corner of the lot and running thence South along the Old Dayton Pike 102.2 feet to the beginning point, being the Southeast corner. Parcel Number: 048N C 003 Current Owner(s) of Property: Rodney H. Blaylock and Hollin J. Blaylock Street Address: 10919 Old Dayton Pike, Soddy Daisy, Tennessee 37379 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. * All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 14-061826 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 3, 2015 at 12:00PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Vivian Caylor, to Miyeon Brotherton, Trustee, on Febru-ary 8, 2008 at Book GI 8588, Page 31; all of record in the Hamilton County Register’sOffice.Partyentitledtoenforcesecurityinterest:CitiFinancialServicing LLC, its successors and assigns The following real estate lo-cated in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: THE FOLLOWING DESCRIBED REAL ESTATE IN THE SECOND CIVIL DIS-TRICT, HAMILTON COUNTY, TENNESSEE: BEING IN SECTION TWEN-TY-FOUR (24), TOWNSHIP FIVE (5), RANGE THREE (3), WEST OF THE BASIS LINE, OCOEE DISTRICT, AND MORE FULLY DESCRIBED AS FOLLOWS: BEGINNING AT A STEEL POST IN THE SOUTH LINE OF THE LEE HIGHWAY AT THE NORTHWEST CORNER OF THE LANDS NOW OWNED BY FELTON; THENCE SOUTH FIFTEEN (15) DEGREES WEST ALONG THE EAST LINE OF THE FELTON TRACT A DISTANCE OF ONE HUNDRED FIFTY (150) FEET TO A POINT; THENCE SOUTH EIGHTY-ONE (81) DEGREES FIFTY-FIVE (55) MINUTES EAST STILL ALONG THE NORTH LINE OF THE FELTON TRACT A DISTANCE OF FIFTY (50) FEET TO A POINT IN THE FENCE LINE OF THE PROP-ERTY BELONGING TO ROBERT WHITE; THENCE NORTH TWENTY-TWO (22) DEGREES THIRTY-FIVE (35) MINUTES EAST ALONG THE WEST LINE OF THE WHITE PROPERTY AND ALONG A FENCE AND HEDGE LINE A DISTANCE OF ONE HUNDRED SIXTY-EIGHT AND FIVE-TENTHS (168.5) FEET TO A POINT IN THE SOUTH LINE OF THE LEE HIGHWAY; THENCE WESTWARDLY ALONG THE SOUTH LINE OF THE LEE HIGHWAY A DISTANCE OF NINETY-EIGHT (98) FEET, MORE OR LESS, TO THE POINT OF BEGINNING AND BEING A PART OF THE GEORGE KELLY LANDS. Parcel Number: 131P A 036 Current Owner(s) of Property: Vivian Caylor Street Address: 7920 Old Lee High-way, Ooltewah, Tennessee 37412 Secondary Property Address: 7920 Old Lee Highway, Ooltewah, TN 37363 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 14-061428 HCH3T-2/6,2/13,2/20/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 19, 2015 on or about 11:00AM local time, at the Main door of the Hamil-ton County Courthouse, Chattanooga, Tennessee, conducted by the Sub-stituteTrusteeasidentifiedandsetforthhereinbelow,pursuanttoDeedof Trust executed by ROGER W SHUTTERS AND MARKETA N SHUT-TERS, to EQUITITLE INC, Trustee, on August 16, 2006, at Record Book 8056, Page 451 as Instrument No. 2006082200070 in the real property recordsofHamiltonCountyRegister’sOffice,Tennessee.OwnerofDebt:U.S. Bank National Association, as Trustee for Asset Backed Funding Cor-porationAssetBackedCertificates,Series2006-HE1The following realestate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of re-cord: Located in the Second Civil District of Hamilton County, Tennessee: Lot One Hundred Thirty-Four (134), Unit Four (4), Quail Run Subdivision, as shown by Plat of Record in Plat Book 40, Page 108, in the Register`s OfficeofHamiltonCounty,Tennessee.Beingthesamepropertyconveyedto Roger W. Shutters and wife, Marketa N. Shutters by Deed from Fred L. Edgmon, Inc., dated 10/03/86 and recorded in Book 3258, page 505 in theRegister`sOfficeofHamiltonCounty,Tennessee.Tax ID:150-0-

F-004 Current Owner(s) of Property: ROGER W SHUTTERS AND MAR-KETA N SHUTTERS The street address of the above described property is believed to be 9021 Warbler Ln, Chattanooga, TN 37421, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POS-SESSION. THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICATION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TRUSTEE/SUBSTI-TUTE TRUSTEE RESERVES THE RIGHT TO RESCIND THE SALE. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE DEPOS-IT PAID. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE. OTHER INTERESTED PARTIES: None THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. If applicable, the notice requirements of T.C.A. 35-5-117 have been met. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Depart-ment of Labor or Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to themandtheSalewillbesubjecttotheapplicablegovernmentalentities’right to redeem the property as required by 26 U.S.C. 7425 and T.C.A. §67-1-1433. This property is being sold with the express reservation that thesaleissubjecttoconfirmationbythelenderortrustee.Thissalemaybe rescinded at any time. If the sale is set aside for any reason, the Pur-chaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the MortgageeortheMortgagee’sattorney.MWZMFileNo.13-005387-670JASON S. MANGRUM, J.P. SELLERS, LORI LIANE LONG, Substitute Trustee(s) PREMIER BUILDING, SUITE 404 5217 MARYLAND WAY BRENTWOOD, TN 37027 PHONE: (615) 238-3630 EMAIL: [email protected] BCNS78190 HCH3T-2/6,2/13,2/20/15

NON-RESIDENT NOTICE STATE OF TENNESSEE, COUNTY OF HAM-ILTON TIMOTHY WAYNE MCMILLIAN VS DOCKET NO. 15D250 KELLY JANEMCMILLIANItappearingfromallegationsinPlaintiff’sBill,whichissworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon KELLY MC-MILLIAN. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless KELLY MC-MILLIANanswersandmakesdefensetosaidcomplaintintheofficesofthe Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by KELLY MCMILLIAN and the case will be set for hear-ing ex parte or without KELLY MCMILLIAN presence. This 27th day of January, 2015. LARRY L. HENRY, CIRCUIT COURT CLERK ATTORNEY FOR PLAINTIFF: RICHARD BRENT TEETER 1415 MARKET STREET CHATTANOOGA, TN 37402 HCH4T-2/6,2/13,2/20,2/27/15

NON-RESIDENT NOTICE STATE OF TENNESSEE, COUNTY OF HAM-ILTON BILJANA VLADIMIROVIC KURIC VS DOCKET NO. 15D243 HA-SIBKURICItappearingfromallegationsinPlaintiff’sBill,whichisswornto, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon HASIB KURIC. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Ten-nessee, notifying said non-resident that unless HASIB KURIC answers andmakesdefense tosaidcomplaint in theofficesof theCircuitCourtClerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be taken as admit-ted by HASIB KURIC and the case will be set for hearing ex parte or without HASIB KURIC presence. This 26th day of January, 2015. LARRY L. HENRY, CIRCUIT COURT CLERK ATTORNEY FOR PLAINTIFF: RE-BECCA GARREN PARKER 5751 UPTAIN RD STE 508 CHATTANOOGA, TN 37411 HCH4T-2/6,2/13,2/20,2/27/15

NON-RESIDENT NOTICE STATE OF TENNESSEE, COUNTY OF HAMILTON MISTY MICHELLE HOUSLEY VS DOCKET NO. 15D268 MICHAELLEEHOUSLEYItappearingfromallegationsinPlaintiff’sBill,which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon MICHAEL HOUSLEY. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless MI-CHAEL HOUSLEY answers and makes defense to said complaint in the officesof theCircuitCourtClerkofHamiltonCounty,Tennessee,withinthirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by MICHAEL HOUSLEY and the case will be set for hearing ex parte or without MICHAEL HOUSLEY presence. This 29th day of January, 2015. LARRY L. HENRY, CIRCUIT COURT CLERK ATTORNEY FOR PLAINTIFF: C NICOLE BENJAMIN 821 HOUSTON ST CHATTANOOGA, TN 37403 HCH4T-2/6,2/13,2/20,2/27/15

NON-RESIDENT NOTICE STATE OF TENNESSEE, COUNTY OF HAMILTON LINDA DAVIS VS DOCKET NO. 15D271 WILLIAM DAVIS ItappearingfromallegationsinPlaintiff’sBill,whichisswornto,thatthedefendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon WILLIAM DAVIS. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless WILLIAM DAVIS answers and makes de-fensetosaidcomplaintintheofficesoftheCircuitCourtClerkofHamiltonCounty, Tennessee, within thirty (30) days after the fourth weekly publica-tion of this order, the same will be taken as admitted by WILLIAM DAVIS and the case will be set for hearing ex parte or without WILLIAM DAVIS presence. This 30th day of January, 2015. LARRY L. HENRY, CIRCUIT COURT CLERK Pro Se HCH4T-2/6,2/13,2/20,2/27/15

NON-RESIDENT NOTICE STATE OF TENNESSEE, COUNTY OF HAM-ILTON JOHN JOSEPH LAFFREY VS DOCKET NO. 15D275 KATHRYN ANN LAFFREY It appearing from allegations in Plaintiff’s Bill, which issworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon KATHRYN LAFFREY. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamil-ton County, Tennessee, notifying said non-resident that unless KATHRYN LAFFREYanswersandmakesdefensetosaidcomplaintintheofficesofthe Circuit Court Clerk of Hamilton County, Tennessee, within thirty (30) days after the fourth weekly publication of this order, the same will be tak-en as admitted by KATHRYN LAFFREY and the case will be set for hear-ing ex parte or without KATHRYN LAFFREY presence. This 30th day of January, 2015. LARRY L. HENRY, CIRCUIT COURT CLERK ATTORNEY FOR PLAINTIFF: DANIEL KEITH HABENICHT 852 MCCALLIE AVENUE CHATTANOOGA, TN 37403 HCH4T-2/6,2/13,2/20,2/27/15

STATE OF TENNESSEE ORDER OF PUBLICATION CHECKS FOR CASH, PLAINTIFF Docket Number: 14GS1424 JORDAN MICHAEL LEE, DEFENDANT Date of This Order: 01/29/2015 Appearance Date: 03/23/2015 at 11:00 a.m. Appearance Address: Court of General Ses-sions, Civil Division, Room 111 Hamilton County City Courts Building, 600 Market Street, Chattanooga, TN 37402-1911 It appearing from the record in this cause that the defendant is a non-resident of Tennessee, and cer-tain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment issued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Order shall be published in a newspaper by this County as required by law. LARRY L. HENRY, CLERK OF GENERAL SESSIONS ATTORNEY FOR PLAINTIFF: MAYFIELD AND LESTER PO BOX 789 CHATTANOOGA, TN 37401 HCH4T-2/6,2/13,2/20,2/27/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 24, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Trinidad Sanchez, husband and wife, to Choo Choo Title, Trustee, on February 18, 2003 at Book GI 6567, Page 715; all

of record in theHamiltonCountyRegister’sOffice.Partyentitled toen-force security interest: U.S. Bank National Association, as Trustee for the Green Tree Home Loan Grantor Trust 2003-A, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: All that tract or parcel of land lying and being in the Second Civil District of Hamilton County, Tennessee, being Lot Thirty-seven (37), of P.E. Groves Subdivision, as shown by plat of record in Plat Book13,page20, in theRegister’sOfficeofHamiltonCounty,Tennes-see. Parcel Number: 169G L 039 Current Owner(s) of Property: Trindad Sanchez aka Trinidad Sanchez, married, and wife, Sheila G. Sanchez Street Address: 5336 Connell Street, Chattanooga, Tennessee 37412 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal descrip-tion referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of theauctionintheformofacertified/bankcheckmadepayabletooren-dorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted. Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amounts receivedin excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject to confirmation bythe lender or trustee. This sale may be rescinded at any time. Shapiro & Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555Per-kins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-061081 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 26, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Barbara Ann Reece, individual, to Larry A. Weissman, Trustee, on March 27, 2006 at Book GI 7895, Page 772, In-strumentNo.2006040400263;correctedbyBeneficiary’sAffidavitrecord-ed at Book GI 8368, Page 828, Instrument Number 2007061100342; all of recordintheHamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurityinterest:FederalNationalMortgageAssociation(”FannieMae”),acorporation organized and existing under the laws of the United States of America, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Lot Seven (7), Block Ten (10), Resubdivision of Lots Six (6) and Seven (7), Block Ten (10), Forest Highlands Subdivision, as shown by plat of record in Plat Book21,Page74,intheRegister’sOfficeofHamiltonCounty,TennesseeParcel Number: 109N B 002 Current Owner(s) of Property: Heirs of Bar-bara Ann Reece Street Address: 702 Oak Tree, Chattanooga, Tennessee 37415 Secondary Property Address: 702 Oak Tree Drive, Chattanooga, Tennessee 37415 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 13-054316 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 26, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Frederick H. Kuykendall and Angela D. Kuykendall, husband and wife, to Stanley M. Porter, Sr., Trustee, on June 20, 2003 at Book GI 6732, Page 507; all of record in the Hamilton County Register’sOffice.Partyentitledtoenforcesecurity interest:FederalNa-tional Mortgage Association (”Fannie Mae”), a corporation organizedand existing under the laws of the United States of America, its succes-sors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: IN THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: Lot Thirty-seven (37), Williamsburg Estates, as shown by plat recorded in Plat Book 28, page 2,intheRegister’sOfficeofHamiltonCounty,Tennesseeandatractofland immediately South of and contiguous to said Lot 37 Parcel Number: 159F C 003 Current Owner(s) of Property: Frederick H. Kuykendall and wife, Angela D. Kuykendall Other interested parties: SunTrust Bank Street Address: 2010 Morris Hill Road, Chattanooga, Tennessee 37421 Any property address provided is not part of the legal description of the prop-erty sold herein and in the event of any discrepancy, the legal descrip-tion referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of theauctionintheformofacertified/bankcheckmadepayabletooren-dorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted. Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amounts receivedin excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject to confirmation bythe lender or trustee. This sale may be rescinded at any time. Shapiro & Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555Per-kins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-062872 HCH3T-1/30,2/6,2/13/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated September 22, 2009, and the Deed of Trust of even date se-curing the same, recorded September 24, 2009, in Book No. GI 9023, at Page361, inOfficeof theRegisterofDeeds forHamiltonCounty,Ten-nessee, executed by Loretta Howard, conveying certain property therein described to PRLAP, Inc. as Trustee for Bank of America, N.A.; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Suc-cessor Trustee by Lakeview Loan Servicing, LLC. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Suc-cessor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by Lakeview Loan Servicing, LLC, will, on March 12, 2015 on or about 10:00 AM, at the Hamilton County Courthouse - West Door, Chattanooga, Tennessee, offer for sale certain propertyhereinafterdescribedtothehighestbidderFORcertifiedfundspaid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all ex-emptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: LOCATED IN THE CITY OF CHATTA-NOOGA, HAMILTON COUNTY, TENNESSEE: Lot One (1), Block Six (6), Cherokee Park, a resubdivision of Lots One (1) and Two (2), Block Six (6), Cherokee Park, as shown by plat of record in Plat Book 86, Page 19, in the Register’sOfficeofHamiltonCounty,Tennessee.Forpriortitleseedeed

NOTICES Continued from page 8

See NOTICES, page 10


in Book 8331, Page 706, and see also deed in Book 6567, Page 189, in theRegister’sOfficeofHamiltonCounty,Tennessee.SUBJECTTOAnyGovernmental zoning and subdivision ordinances and regulations in effect thereon. SUBJECT TO A Five (5) foot Power and Communication Ease-ment as shown on plat of record. SUBJECT TO All matters as shown on plat of record. ALSO KNOWN AS: 1800 Newell Avenue, Chattanooga, TN 37404 This sale is subject to all matters shown on any applicable re-corded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbranc-esaswellasanyprioritycreatedbyafixturefiling;andtoanymatterthatan accurate survey of the premises might disclose. In addition, the follow-ing parties may claim an interest in the above-referenced property: HOW-ARD, LORETTA CITY OF CHATTANOOGA, TENNESSEE TENNESSEE HOUSING DEVELOPMENT AGENCY CAPITAL ONE BANK (USA), N.A. DISCOVER BANK The sale held pursuant to this Notice may be rescinded at theSuccessorTrustee’soptionatany time. The right is reserved toadjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 300213 DATED January 26, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 481-3037995-703 FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-1/30,2/6,2/13/15

NOTICE OF FORECLOSURE SALE STATE OF TENNESSEE, HAMIL-TON COUNTY WHEREAS, David S. Howard and Wendy F. Howardexecuted a Deed of Trust to Union Planters Bank, NA, Lender and Emmett James House or Bill R. McLaughlin, Trustee(s), which was dated July 16, 2004 and recorded on July 23, 2004 in Book GI 7211, Page 723, Hamilton County, Tennessee Register of Deeds. WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, Regions Bank d/b/a Regions Mortgage Successor by Merger to Union PlantersBank,N.A.,(the“Holder”),appointedtheundersigned,Brock&Scott, PLLC, as Substitute Trustee, by an instrument duly recorded in the OfficeoftheRegisterofDeedsofHamiltonCounty,Tennessee,withalltherights, powers and privileges of the original Trustee named in said Deed of Trust; and NOW, THEREFORE, notice is hereby given that the entire in-debtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vest-ed in it, will on February 24, 2015, at 10:00AM at the usual and customary location at the Hamilton County Courthouse, Chattanooga, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Hamilton County, Tennessee, to wit: Land in Hamilton County, Tennessee, being described as follows: Beginning at a point in the Southeast line of Clift Mill Road at the West line of the Paris E. Reid property described in Book 906, Page 456, of the Register’sOfficeofHamiltonCounty,Tennessee;thenceSouthwestalongthe curved line of Clift Mill Road 208 feet; more or less, to the Southeast lineofthePennyproperty;thencealongPenny’sSoutheastlineSouth27degrees West 468.9 feet to the East line of Pankey Town Road; thence along the East line of Pankey Town Road, South 18 degrees 30 minutes East 9.6 feet; thence South 69 degrees 59 minutes East 350 feet to Parris E.Reid’sWest line; thencealongReid’sWest lineNorth3degrees03minutes East 676.7 feet to the beginning. Being the same property con-veyed to David S. Howard by deed from Cleghorn C. Jones, Jr. , of record inBook4659,Page236,Register’sOfficeforHamiltonCounty,Tennes-see. Subject to all easements, restrictive covenants and conditions, and other matters of record, including all items set out on any applicable plat of record. Parcel ID Number: 041 157 Address/Description: 12016 Clift Mill Road, Soddy Daisy, TN 37379. Current Owner(s): Davis S. Howard and Wendy Flippo Howard. Other Interested Party(ies): Tennessee Depart-ment of Revenue- Tax Enforcement Division. In addition, this sale shall be subject to the right of redemption by the TENNESSEE DEPARTMENT OF REVENUE, TAX ENFORCEMENT DIVISION, pursuant to T.C.A. 67-1-1433(c)(1) by reason of the following tax lien(s) of record in: Book GI 8800 , Page 525 and recorded in Instrument Number 3704478081106. Notice of the sale has been given to the State of Tennessee in accordance with T.C.A. 67-1-1433(b)(1). The sale of the property described above shall be subject to all matters shown on any recorded plat; any and all liens against said property for unpaid property taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrancesaswellasanyprioritycreatedbyafixturefiling;adeedof trust; and any matter than an accurate survey of the premises might disclose; and All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. Thisoffice isattempting to collect adebt.Any informationobtainedwillbe used for that purpose. Brock & Scott, PLLC, Substitute Trustee c/o Tennessee Foreclosure Department 277 Mallory Station Road Suite 115 Franklin, TN 37067 PH: 615-550-7697 FX: 615-550-8484 File No.: 13-23655 BCNS77940 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 24, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Mark L Dunlap and Tonjia Dunlap, husband and wife, to Pioneer Title, Trustee, on February 23, 2007 at Book GI 8254, Page257; all of record in theHamiltonCountyRegister’sOffice.Partyentitled to enforce security interest: LEHMAN XS TRUST MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-10H, U.S. Bank Na-tional Association, as Trustee, successor in interest to LaSalle Bank Na-tional Association, as Trustee, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the high-est call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Located in the City of Chattanooga, Hamilton County, Tennessee: Lot Four (4), Old Dayton Pike overlook, as shown by revised plat of record in Plat Book 84, Page 79, in theRegister’sOffice ofHamiltonCounty,Tennessee. Parcel Number: 090L A 002 Current Owner(s) of Property: Tonjia Barnes Street Address: 6001 Old Dayton Pike, Hixson, Tennes-see 37343 Any property address provided is not part of the legal descrip-tion of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 13-053733 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 26, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Edwin E. Whittenburg and Rosetta Whit-tenburg, husband and wife, to First Title Insurance Company, Trustee, on December 15, 2003 at Book GI 6981, Page 493; all of record in the HamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurityinter-est: OneWest Bank N.A., its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the high-est call bidder subject to all unpaid taxes, prior liens and encumbrances of record: LOCATED IN THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: Lot Eleven (11), Holly Hills, Unit 9, as shown by platofrecordinPlatBook27,page177,intheRegister’sOfficeofHam-ilton County, Tennessee. Parcel Number: 149F G 017 Current Owner(s)

of Property: Heirs of Rosetta Whittenburg Other interested parties: Heirs of Rosetta Whittenburg, Secretary of Housing and Urban Development Street Address: 2621 Reid Drive, Chattanooga, Tennessee 37421 Any property address provided is not part of the legal description of the prop-erty sold herein and in the event of any discrepancy, the legal descrip-tion referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. SALE IS SUBJECT TO ONE YEAR RIGHT OF REDEMPTION HELD BY THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT BY REASON OF THE DEED OF TRUST OF RECORDATBOOKGI6981,PAGE504,INTHEREGISTER’SOFFICEOF HAMILTON COUNTY, TENNESSEE. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 15-063228 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on April 9, 2015 at 10:00AM local time, at the west door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402 pursuant to Deed of Trust executed by David L. Harper and Lisa Annette Frazier, unmar-ried persons, to Title Escrow of Chattanooga, Inc., Trustee, as trustee for American Home Mortgage Company on April 12, 1993 at Book 4132, Page 447, Instrument No. 124406; conducted by Shapiro & Ingle, LLP having been appointed Substitute or Successor Trustee, all of record in theHamiltonCountyRegister’sOffice.Defaulthasoccurred in theper-formance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable. Party Entitled to Enforce the Debt: U.S. Bank Trust National Association, not in its individual capacity but solely as Delaware trustee and U.S. Bank Na-tional Association, not in its individual capacity but solely as Co-Trustee for Government Loan Securitization Trust 2011-FV1, its successors and as-signs The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder: Described property located at Hamilton County, Tennessee, to wit: LOCATED IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Lot Eighty-One-B (81-B), Resubdivi-sion of Lot 81, Austin Farms, as shown by plat of record in Plat Book 30, Page137,intheRegister’sOfficeofHamiltonCounty,Tennessee.StreetAddress: 7506 Borris Drive, Chattanooga, Tennessee 37416 Second-ary Property Address: 7506 Boriss Drive, Chattanooga, TN 37416 Parcel Number: 138D B 002 Current Owner(s) of Property: David L. Harper and Lisa Annette Frazier, unmarried persons Other interested parties: Capital One Bank (USA), N.A. The street address of the above described prop-erty is believed to be 7506 Borris Drive, Chattanooga, Tennessee 37416, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSES-SION. This sale is subject to all matters shown on any applicable recorded plat any unpaid taxes; and any restrictive covenants, easements, or set-back lines that may be applicable; any statutory right of redemption of any governmental agency, state or federal; any prior liens or encumbrances aswellasanyprioritycreatedbyafixturefiling;andtoanymatterthatanaccurate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: Capital One Bank (USA), N.A. All right of equity of redemption, statutory and oth-erwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certi-fied/bankcheckmadepayabletoorendorsedtoShapiro&Kirsch,LLP.Nopersonalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyother bidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.ThissalemayberescindedbytheSubstituteTrusteeatanytime.Thisofficemaybeadebtcollector. This may be an attempt to collect a debt and any information obtained may be used for that purpose. Shapiro & Ingle, LLP Substitute TrusteeLawOfficeofShapiro&Ingle,LLP555PerkinsRoadExtended,Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.auction.com File No. 15-063397 HCH3T-1/30,2/6,2/13/15

NOTICE OF SUBSTITUTE TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated July 6, 2005, executed by MAE ELLEN MAYS, conveying certain real property therein described to MICHAEL T. BATES, asTrustee,assameappearsofrecordintheRegister’sOfficeofHamil-ton County, Tennessee recorded July 13, 2005, in Deed Book GI 7599, Page532;andWHEREAS, thebeneficial interestofsaidDeedofTrustwas last transferred and assigned to The Bank of New York Mellon, as Trustee for Specialty Underwriting and Residential Finance Trust Mort-gageLoanAsset-BackedCertificates,Series2005-BC4who isnow theowner of said debt; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in theRegister’sOfficeofHamiltonCounty,Tennessee.NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on February 26, 2015 at 10:00 AM at the Front Steps of the Hamilton County Courthouse , located in Chattanooga, Ten-nessee, proceed to sell at public outcry to the highest and best bidder for cashorcertifiedfundsONLY,thefollowingdescribedpropertysituatedinHamilton County, Tennessee, to wit: IN THE CITY OF CHATTANOOGA, COUNTY OF HAMILTON, STATE OF TENNESSEE: LOTS TWENTY-NINE (29), AND THIRTY (30), BLOCK THREE (3), BATTERY HEIGHTS, UNIT THREE (3), AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 12, PAGE 44, REGISTER`S OFFICE OF HAMILTON COUNTY, TENNES-SEE. ACCORDING TO SAID PLAT, SAID LOTS ARE CONTIGUOUS AND MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT IN THE WEST LINE OF VINEWOOD AVENUE FIVE HUNDRED FOURTEEN AND FOUR TENTHS (514.4) FEET, MORE OR LESS, AS MEASURED NORTHWARDLY ALONG SAID WEST LINE FROM ITS INTERSECTION WITH DRY VALLEY ROAD; THENCE NORTHWEST NINETY-THREE AND FOUR TENTHS (93.4) FEET ALONG THE LINE DIVIDING LOTS THIRTY (30) AND THIRTY-ONE (31); THENCE SOUTH-WEST ONE HUNDRED FIFTEEN (115) FEET ALONG THE LINE DIVID-ING LOTS TWO (2) AND THIRTY (30) AND ONE HUNDRED TEN (110) FEET ALONG THE LINE DIVIDING LOT TWENTY-NINE (29) FROM LOTS THREE (3) AND FOUR (4) TO THE NORTHWEST CORNER OF LOT TWENTY-EIGHT (28); THENCE SOUTHEAST ONE HUNDRED FIF-TY-ONE AND ONE TENTH (151.1) FEET ALONG THE LINE DIVIDING LOTS TWENTY-EIGHT (28) AND TWENTY NINE (29) TO THE WEST LINE OF VINEWOOD AVENUE; THENCE NORTH ONE HUNDRED FIFTY (150) FEET ALONG SAID CURVING WEST LINE TO THE POINT OF BEGINNING. SUBJECT TO ANY COVENANTS, CONDITIONS, RESTRICTIONS, RESERVATIONS, OR EASEMENTS OF RECORD. SUBJECT TO ANY GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES OR REGULATIONS IN EFFECT THEREON. Parcel ID: 128I-G-028 PROPERTY ADDRESS: The street address of the property is believed to be 3427 VINEWOOD DR, CHATTANOOGA, TN 37406. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): MAE ELLEN MAYS OTHER INTERESTED PARTIES: DIS-COVER BANK ISSUER OF DISCOVER CARD The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as

anyprioritycreatedbyafixturefiling;andtoanymatterthatanaccuratesurvey of the premises might disclose. This property is being sold with theexpressreservationthatitissubjecttoconfirmationbythelenderorSubstitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statu-tory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose.THIS LAWFIRM ISATTEMPT-ING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846 Ad #77123: 2015-01-30 2015-02-06, 2015-02-13

NOTICE OF SUBSTITUTE TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated October 25, 2006, executed by JOHN WILLIAM SULLINS AND TONYA MARIE SULLINS, conveying certain real prop-erty therein described to ROBBIE L MCLEAN, ATTY AT LAW, as Trustee, assameappearsof record in theRegister’sOfficeofHamiltonCounty,Tennessee recorded November 1, 2006, in Deed Book GI 8133, Page 912; andWHEREAS, the beneficial interest of saidDeed ofTrustwaslast transferred and assigned to Deutsche Bank National Trust Com-pany, as Trustee, in trust for the registered holders of Morgan Stanley ABSCapitalITrust2007-NC2,MortgagePass-ThroughCertificates,Se-ries 2007- NC2 who is now the owner of said debt; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substi-tuteTrusteeby instrument tobefiled for record in theRegister’sOfficeof Hamilton County, Tennessee. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on February 26, 2015 at 10:00 AM at the Front Steps of the Hamilton County Courthouse , located in Chattanooga, Tennessee, proceed to sell at public outcry to thehighestandbestbidderforcashorcertifiedfundsONLY,thefollow-ing described property situated in Hamilton County, Tennessee, to wit: TRACT ONE (1): THE FOLLOWING DESCRIBED REAL ESTATE IN THE THIRD CIVIL DISTRICT, HAMILTON COUNTY, TENNESSEE: BEGIN-NING AT AN IRON PIN, SAID PIN BEING THE SOUTHEAST CORNER OF THE PROPERTY CONVEYED TO BALLEW BY DEED RECORDED IN BOOK 3983, PAGE 501, IN THE REGISTER`S OFFICE OF HAMIL-TON COUNTY, TENNESSEE, SAID POINT BEING ONE HUNDRED FIFTY-NINE AND 4/10 (159.4) FEET FROM THE NORTH RIGHT OF WAY OF MAULDETH ROAD; THENCE NORTH SIXTY-FIVE (65) DE-GREES FOUR (04) MINUTES WEST, ONE HUNDRED (100) FEET TO AN IRON PIN; THENCE NORTH TWENTY-FOUR (24) DEGREES FIFTY-SIX (56) MINUTES EAST, ONE HUNDRED (100) FEET TO AN IRON PIN; THENCE SOUTH SIXTY-FIVE (65) DEGREES FOUR (04) MINUTES EAST, ONE HUNDRED (100) FEET TO AN IRON PIN; THENCE SOUTH TWENTY-FOUR (24) DEGREES FIFTY-SIX (56) MINUTES WEST, ONE HUNDRED (100) FEET TO THE POINT OF BEGINNING. SUBJECT TO ANY GOVERNMENTAL ZONING AND SUBDIVISION ORDINANCES OR REGULATIONS IN EFFECT THEREON. SUBJECT TO ANY COV-ENANTS, CONDITIONS, RESTRICTIONS, RESERVATIONS, OR EASE-MENTS OF RECORD. SUBJECT TO ANY EXISTING EASEMENTS, RESTRICTIONS, OR RIGHT-OF-WAYS. TRACT TWO (2): BEGINNING AT A POINT, SAID POINT BEING THE SOUTHEAST CORNER OF THE PROPERTY CONVEYED TO SULLINS IN BOOK 6079, PAGE 450, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY,TENNESSEE; THENCE, WITH AND ALONG THE EASTERN BOUNDARY LINE OF SAID SULLINS PROPERTY, NORTH TWENTY-FOUR (24) DEGREES FIFTY-SIX (56) MINUTES EAST A DISTANCE OF THIRTY-FOUR (34) FEET TO A POINT; THENCE SOUTH SIXTY-FIVE (65) DEGREES FOUR (4) MINUTES EAST A DISTANCE OF TWENTY-FIVE (25) FEET TO A POINT, SAID POINT BEING IN THE CENTER LINE OF CUSCOWILLA TRAIL, IF SAID CENTER LINE WERE EXTENDED NORTHWARDLY IN A STRAIGHT LINE FROM ITS TERMINUS; THENCE, IN A SOUTHERLY DIRECTION WITH AND ALONG SAID EXTENSION OF THE CENTER LINE OF CUSCOWILLA TRAIL, SOUTH TWENTY-FOUR (24) DEGREES FIFTY-SIX (56) MINUTES WEST A DISTANCE OF THIRTY-FOUR (34) FEET TO A POINT; THENCE NORTH SIXTY-FIVE (65) DEGREES FOUR (4) MINUTES WEST A DISTANCE OF TWENTY-FIVE (25) FEET TO THE POINT OF BEGINNING, SAID PROPERTY BEING MORE FULLY DE-SCRIBED ON A SURVEY BY DAVID MATTHEWS, TENNESSEE REG-ISTERED LAND SURVEYOR NO. 747, BEING DATED OCTOBER 2, 2002, AND BEING JOB NO. 02-638. SUBJECT TO ANY GOVERNMEN-TAL ZONING AND SUBDIVISION ORDINANCES OR REGULATIONS IN EFFECT THEREON. SUBJECT TO ANY COVENANTS, CONDITIONS, RESTRICTIONS, RESERVATIONS, OR EASEMENTS OF RECORD. Parcel ID: 109O-E-015 PROPERTY ADDRESS: The street address of the property is believed to be 3807 CUSCOWILLA TRAIL, CHATTANOOGA, TN 37415. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): JOHN WILLIAM SULLINS AND TONYA MARIE SULLINS OTHER INTERESTED PARTIES: SUNTRUST BANK The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances aswellasanyprioritycreatedbyafixturefiling;andtoanymatterthatanaccurate survey of the premises might disclose. This property is being sold withtheexpressreservationthatitissubjecttoconfirmationbythelenderor Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statu-tory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitnessforaparticularuseorpurpose.THISLAWFIRMISATTEMPTINGTO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846 Ad #77189: 2015-01-30 2015-02-06, 2015-02-13

SUBSTITUTE TRUSTEE’S SALE WHEREAS, default having been made in the payment of the debts and obligations secured by a Deed of Trust ex-ecuted on December 16, 2009, by James D. Fain aka James David Fain aka James Fain and Marilyn L. Fain aka Marilyn Ball Fain aka Marilyn FaintoLarryA.Weissman,Trustee,forthebenefitofMortgageElectronicRegistration Systems, Inc. as nominee for Suntrust Mortgage, Inc. and appearingofrecordinRegister’sOfficeofHamiltonCounty,Tennessee,inBookGI9081,Page794;andWHEREAS,thebeneficialinterestofsaidDeed of Trust was last transferred and assigned to Federal National Mort-gageAssociation (”FNMA”)andWHEREAS,FederalNationalMortgageAssociation (”FannieMae”),acorporationorganizedandexistingunderthe laws of the United States of America, as the holder of the Note for whichdebtisowed,(“NoteHolder”),appointedtheundersigned,PriorityTrusteeServicesofTN,LLC,asSubstituteTrusteebyinstrumentfiledortobefiledforrecordintheRegister’sOfficeofHamiltonCounty,Tennes-see, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and WHEREAS, pursuant to Tenn. Code Ann. § 35-5-117,notlessthansixty(60)dayspriortothefirstpublicationrequiredby§ 35-5-101, the notice of the right to foreclose was properly sent, if so re-quired; and NOW, THEREFORE, notice is hereby given that the entire in-debtedness has been declared due and payable as provided in said Deed of Trust by the Note Holder, and that the undersigned, Priority Trustee Services of TN, LLC, Substitute Trustee, or its duly appointed attorneys or agents, by virtue of the power and authority vested in it, will on Thurs-day, February 26, 2015, commencing at 11:00 a.m. at the Main Door (Walnut Street side) of the Hamilton County Courthouse location in Ten-nessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Hamilton County, Ten-nessee, to wit: LOCATED IN THE SECOND CIVIL DISTRICT OF HAMIL-TON COUNTY, TENNESSEE: TRACT ONE (1): LOT SIX (6), BREWER HILLS SUBDIVISION, LOCATED IN OOLTEWAH, HAMILTON COUNTY, TENNESSEE, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 20,

PAGE42,INTHEREGISTER’SOFFICEOFHAMILTONCOUNTY,TEN-NESSEE. ACCORDING TO SAID PLAT, SAID LOT FRONTS 100 FEET ON THE SOUTHWESTERN LINE OF BREWER DRIVE AND EXTENDS SOUTHWESTWARDLY OF UNIFORM WIDTH 150 FEET TO ONE OF THE SOUTHWESTERN LINES OF SAID SUBDIVISION. THE SOURCE OFGRANTOR’SINTERESTISFOUNDINDEEDRECORDEDINBOOK1381,PAGE323,INTHEREGISTER’SOFFICEOFHAMILTONCOUN-TY, TENNESSEE. TRACT TWO (2): BEING THE WESTERN 25 FEET OF LOT SEVEN (7), BREWER HILLS SUBDIVISION, AS SHOWN BY PLATOFRECORDINPLATBOOK20,PAGE42,INTHEREGISTER’SOFFICE OF HAMILTON COUNTY, TENNESSEE. ACCORDING TO SAID PLAT SAID PART OF LOT FRONTS 25 FEET ON THE SOUTHERN LINE OF BREWER DRIVE AND EXTENDS THENCE SOUTHWARDLY, BE-TWEEN PARALLEL LINES AND ALONG THE EASTERN LINE OF LOT SIX (6) OF SAID SUBDIVISION, A DISTANCE OF 150 FEET TO THE SOUTHERN LINE OF SAID LOT SEVEN (7). THE SOURCE OF GRANT-OR’SINTERESTISFOUNDINDEEDRECORDEDINBOOK1727,PAGE44, INTHEREGISTER’SOFFICEOFHAMILTONCOUNTY,TENNES-SEE. SUBJECT TO RESTRICTIONS AS SET OUT IN INSTRUMENT RECORDEDINBOOK1381,PAGE612,INTHEREGISTER’SOFFICEOF HAMILTON COUNTY, TENNESSEE. PROPERTY ADDRESS: 9616 Brewer Drive, Ooltewah, TN 37363 CURRENT OWNER(S): James D. Fain aka James David Fain aka James Fain and Marilyn L. Fain aka Mari-lyn Ball Fain aka Marilyn Fain The sale of the above-described property shall be subject to all matters shown on any recorded plan; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created byafixturefiling;andanymatterthatanaccuratesurveyofthepremisesmight disclose. Substitute Trustee will only convey any interest he/she may have in the property at the time of sale. Property is sold “as is, where is.”Foreverylienorclaimoflienofthestateidentifiedabove,pleasebeadvised notice required by § 67-1-1433 (b)(1) was timely given and that any sale of the property herein referenced will be subject to the right of the state to redeem the land as provided for in § 67-1-1433(c)(1). All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. PRIORITY TRUSTEE SERVICES OF TN, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 Web Site: www.rcolegal.com TS#: 1R451614 FEI # 2013.02595 01/30/2015, 02/06/2015, 02/13/2015

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated March 16, 2006, and the Deed of Trust of even date secur-ing the same, recorded March 22, 2006, in Book No. GI7880, at Page 184,inOfficeoftheRegisterofDeedsforHamiltonCounty,Tennessee,executed by Charles E. Rosenthal and Francis O. Rosenthal, convey-ing certain property therein described to Equititle as Trustee for Mortgage Electronic Registration Systems, Inc., as nominee for Decision One Mort-gage Company, LLC, its successors and assigns; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Deutsche Bank National Trust Company, as Trustee for Morgan Stanley ABSCapitalIInc.Trust2006-HE4,MortgagePass-ThroughCertificates,Series 2006-HE4. NOW, THEREFORE, notice is hereby given that the en-tire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by Deutsche Bank National Trust Company, as Trustee for Mor-gan Stanley ABS Capital I Inc. Trust 2006-HE4, Mortgage Pass-Through Certificates,Series2006-HE4,will,onFebruary 23, 2015 on or about 3:00 PM, at the Hamilton County Courthouse - steps facing Market St./Parking garage, Chattanooga, Tennessee, offer for sale certain property hereinafterdescribedtothehighestbidderFORcertifiedfundspaidattheconclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemp-tions, which are expressly waived in the Deed of Trust, said property be-ing real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: LOCATED IN THE CITY OF CHATTA-NOOGA, HAMILTON COUNTY, TENNESSEE: LOT THIRTY-FIVE (35), ROLLINGWOOD ADDITION, UNIT TWO (2), as shown by plat of record in Plat Book 20, Page 85, in theRegister’sOffice ofHamiltonCounty,Tennessee. ALSO KNOWN AS: 3716 Shamrock Drive, Chattanooga, TN 37406-2766 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemp-tion of any governmental agency, state or federal; any prior liens or en-cumbrancesaswellasanyprioritycreatedbyafixturefiling;andtoanymatter that an accurate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced prop-erty: ROSENTHAL, CHARLES E. ROSENTHAL, FRANCIS O. INTERNAL REVENUE SERVICE EQUABLE ASCENT FINANCIAL, LLC F/K/A HILCO RECEIVABLES, LLC ASSIGNEE OF GE PRIVATE LABELS TENANTS OF On or about March 5, 2007, the United States of America, Internal RevenueService,filedafederaltaxlienagainsttheDefendant,CharlesA.Rosenthal,recordedintheRegister’sOfficeofHamiltonCounty,Ten-nessee in Book GI8260, Page 239. Any interest in the property held by the United States of America, Internal Revenue Service, by virtue of the aforementioned federal tax lien is both junior and inferior to the interests held by Deutsche Bank National Trust Company, as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2006-HE4, Mortgage Pass-Through Cer-tificates,Series2006-HE4.Provided,however,thattheUnitedStatesofAmerica, Internal Revenue Service, pursuant to 26 U.S.C. §7425 and 28 U.S.C. §2410(c), shall have one hundred and twenty (120) days from the date of the sale within which to redeem the property by virtue of its tax lien(s) herein by payment of the actual amount paid by the purchaser at the foreclosure sale, plus any amount in excess of the expenses neces-sarily incurred in connection with such property, less the income from such property, plus a reasonable rental value of such property. As required by 26 U.S.C. §7425(b), the United States of America, Internal Revenue Service has been given timely notice of this action. The sale held pursuant tothisNoticemayberescindedattheSuccessorTrustee’soptionatanytime. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 301089 DATED January 20, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 2001047636 FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 26, 2015 at 10:00AM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Cora M. Mobley, unmarried, to Weissman, Larry A., Trustee, on January 22, 2013 at Book GI 9866, Page 189; all of record intheHamiltonCountyRegister’sOffice.Partyentitledtoenforcesecu-rity interest: JPMorgan Chase Bank, National Association, its successors and assigns The following real estate located in Hamilton County, Ten-nessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF HAMILTON, STATE OF TENNESSEE, AND IS DESCRIBED AS FOLLOWS: LOT TEN (10), EASTOVER ACRES, AS SHOWN BY PLAT RECORDED IN PLAT BOOK 24,PAGE40,INTHEREGISTER’SOFFICEOFHAMILTON,COUNTY,TENNESSEE. Parcel ID: 158D G 010 Commonly known as 1707 Clay-ton Drive, Chattanooga, TN 37421 However, by showing this address no additional coverage is provided. Parcel Number: 158D-G-010.00 Current Owner(s) of Property: Cora M. Mobley, unmarried Other interested parties: Tennessee Housing Development Agency Street Address: 1707 Clayton Drive, Chattanooga, Tennessee 37421 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No




‘Island of Lemurs: Madagascar 3D’

coming to Tennessee Aquarium

IMAX Feb. 13

A special group of animals living on a remote island in the Indian Ocean may best be known as characters in

animated �lms, but lemurs are very real. Audi-ences can learn more about these high-energy creatures when “Island of Lemurs: Madagascar 3D” opens at the Tennessee Aquarium IMAX 3D �eater on Friday, Feb. 13.

�is new IMAX 3D �lm is an account of the life and career of Dr. Patricia Wright. She has made the modern-day survival of the highly endangered lemurs her life’s work. “�e lemurs’ story is one of the great adventures of epic pro-portions,” said Drew Fellman, the �lm’s writer and producer. “A twist of fate brought them to this strange island, where they forged a new life and whole parallel reality that was uniquely theirs. �at inspired us to make this movie.”

“Island of Lemurs: Madagascar 3D” places audiences in the remote rainforests, where lemurs leap from tree to tree and bound across the landscape.

�e Ring-tailed Lemur is perhaps the most recognizable because it has been portrayed in �lms and is a fairly common species in zoos worldwide. “One of the funniest sights in Madagascar is watching the ringtails sunbathe in the morning,” said Fellman. “After waking up, they climb to the tops of rocks and trees and open their arms wide to catch the sun.”

�at said, nothing quite captures the fun of lemurdom like the sight of dancing Sifakas.

Sifakas are large, slender lemurs that are mostly arboreal. �ey can leap great distances between trees that are covered in needle-sharp spines. �ey’re built for jumping, not walking, and when they travel on the ground, they skip and dance from side to side in what’s been de-scribed as a charming lateral ballet. “It’s hilari-ous, it’s acrobatic, and it’s just an extraordinary sight to see,” said Fellman.

If the Sifakas are the dance troupe, the Indri, the largest of the lemurs, are the choral mas-ters. “�ey have a primitive wail that echoes through the forest,” said Fellman. “�e whole group will join in and sing to each other across long distances.”

Ring-tailed lemurs in the Anja Reserve of Madagascar. (Photos by Drew Fellman. Copyright Warner Bros Entertainment)

Sifaka Lemurs are threatened by habitat destruction in Madagascar. See LEMURS, page 23


Are We There Yet?

By Jay Edwards

T his guy goes to a psychiatrist and says, “Doc, uh, my broth-er’s crazy; he thinks he’s a chicken.” And, uh, the doctor says, “Well, why don’t you turn him in?” � e guy says, “I would,

but I need the eggs.” – Alvy Singer in “Annie Hall”Besides being a quasi-journalist, I am a Realtor. After one

house I listed sold, the buyer and her agent were doing what’s known as “the � nal walk-through.” � is is the last look a buyer takes of the property before closing to make sure the repairs that were supposed to be done in fact have been. It’s critical everything goes well.

So as they surveyed the beautiful, old, Spanish mission-style house near downtown, things on the checklist were working out to their satisfaction.

� at’s when the rooster next door decided to crow.Apparently, in the past few days, the neighbor next door went

out and bought herself a rooster – not the normal, rooftop, weathervane kind, but the cock� ghting, Fog Horn Leg Horn, crowing kind.

I learned a few things this week. You can have up to four hens in the city limits, but no roosters. I don’t know if there are exceptions to that, like if your rooster is shy, or a mute, or even headless, like the world famous “Mike” (www.miketheheadless-chicken.org).

None of that really mattered. I was just trying to get everyone to the closing table. And the last thing anyone wanted at the eleventh hour was a rooster who thought he was Big Ben.

We called the owner of the rooster, who said that if it was a problem she could relocate the bird to her mother’s farm in the northern part of the state, far from earshot of the buyer. We told her we thought it would be a good idea and “� ank you very much.”

� en on Sunday night, two days after closing but before pos-session had been transferred, the buyer’s agent stopped by the house to pick up the key. As she exchanged pleasantries with the owner, who was in the process of moving out, she turned to get in her car and heard that familiar and unpleasant sound of “cock-a-doodle-doo!”

Needless to say, I received a call shortly thereafter, and after listening to the agent’s plight, agreed to make another call to the rooster’s owner. � at took place the next morning, and went very well I think, all things considered. She asked me if they were just concerned about the rooster crowing at night, and I told her I really thought they would prefer the rooster be gone. So she reassured me that it would be, and soon.

I know it’s hard to give up a pet, but being the good neighbor, that’s what she agreed to do. And so, as they say down on the farm – all’s well that ends well.

•••I’m still not sure how Google pulled o� Google Earth or

when they came out and took the picture. I guess they have a big Google spaceship. Our house was taken in the summertime when our grass was green, which I appreciated.

Someone who doesn’t appreciate them so much is a 50-year old guy in France. When Google decided to photograph his house, it also happened to be the exact moment he had chosen to step outside and relieve himself. Google took the shot and posted the photo on their site. � e man is suing. He agrees that his face is blurred out, but says he’s still the laughingstock of his village.

Jay Edwards is editor-in-chief of the Hamilton County Herald and an award-winning columnist. Contact him at [email protected].

� is past month, there were several occasions where friends and church members had to carry food to someone’s house, either due to illness or a death in the fam ily.

With the moves my family experienced and the sadness our friends and family experienced, January 2015 was not an easy month for us, and I’m glad it’s over. Hopefully, February will calm down for everyone involved.

One of the things that came out of everything happening in January was food. A mighty lot of food was prepared and taken to various homes, and so I gleaned a few new recipes.

One such recipe was Tutti Bread. I know, crazy name, huh? I’d never heard of this “bread” my friend, Pam Simpson, made, but she said it had been in her family for years and years, and that she was always making it and taking it somewhere!

After some searching, it seems that it has been around for years – guess I just haven’t been run-ning around with the right group? I don’t know, but that’s the recipe I have for you today, and I think you’ll really like it!

During my search for Tutti Bread, I found various other bread recipes, including one that caught my eye that I’ll also share. It doesn’t sound like much – the name is just Fancy French Bread – but it looks like it would be pretty yummy!

I’ve tried to � nd informa-tion about how Tutti Bread got its name. � is wasn’t easy to � nd, but I did come across a few explanations. Also, my younger sister, Karen, sent me some strange food trivia I thought I would share. But let’s talk about the recipe � rst.

I found only two recipes for Tutti Bread – one from Cooks.com and one from the Sirmon Family Cookbook, by Sandy (Sir-mon) Coston. I don’t know this family, and they didn’t elaborate on the origin of the recipe.

� e word tutti is Italian for “all,” and is the plural of tutto. Tutti frutti is Italian for “all fruits,” so I’m thinking tutti bread would mean all of the ingredients are stu� ed into the bread. But that’s just me, and my deduction.

Tutti is also used in music. It can be an adjective meaning “all the voices or instruments togeth-er,” or a noun meaning “a tutti

passage or movement,” or “the tonal product or e� ect of a tutti performance” (Dictionary.com). But this bread isn’t very musically inclined – so this can’t be a very reliable reference.

I did � nd a de� nition by Little Richard, but it refers to the song “Tutti Frutti”. He said, “I was a disher-washer at the Greyhound Bus Station in Macon, Georgia. I was making twelve dollars a week, and worked for many years there. And I used to sing ‘Tutti Frutti’

every night because the boss man would make me wash so many pots, and you couldn’t send anything back to him, so the only thing I could think of to get back at him was ‘Bop bopa-a-lu a whop bam boo.’ He didn’t know what I was saying, and I didn’t either.”

As interesting as that explana-tion is, I still don’t think it refers to Tutti Bread. Honestly, I got so distracted after that, I quit my search.

Now for the food trivia my sister Karen sent me. Here it is:

“Given the rise in foodie cul-ture, it’s no wonder that there are a plethora of cookbooks avail-able covering every imaginable

kind of comestible. However, you might be surprised to learn just how far back the recording of food preparation goes: One of the earliest known recipes was writ-ten on cuneiform tablets, and has been dated almost 4,000 years ago to around 1700 B.C.”

� e above bit of information was in the Grand Junction Free Times; however, here’s more on the subject from the New York Times:

“Tucked away in a dark room of a Gothic-style library at Yale University, what may be the world’s oldest known cook-books are shedding light on an ancient cuisine.

“Known as the Yale culinary tablets, the three small Meso-potamian clay slabs, dating to about 1700 B.C., contain what are probably the oldest known written recipes, according to William W. Hallo, the cura-tor of the Yale Babylonian Collection and a professor of Assyriology and Babylonian

literature.“� e tablets, the largest of

which measures seven by nine-and-a-half inches, are covered with compact, tiny lines of cunei-form writing. Although damaged to di� erent degrees, they provide cooking instructions for more than two dozen Mesopotamian dishes, among them stews of pigeon, lamb or spleen, a turnip dish and a kind of poultry pie.”

I think I’ll stick to Tutti bread – and here’s the recipe for it. Enjoy!

Kay Bona is a sta� writer for the Hamilton County Herald and an award-winning columnist and photographer. Contact her at [email protected]. v

Kay’s CookingCorner

By Kay Bona

Tutti Bread

1 loaf French bread8 oz. pkg. Swiss cheese slices1 stick butter, softened1/2 c. onion, chopped1 tbsp. poppy seed1 tbsp. prepared mustard4 slices raw bacon, diced

Slice bread into 16 slices, cutting almost to bottom of loaf. Cut cheese into diagonal slices. Insert in loaf with point up.

Mix onion, butter, mustard and poppy seed. “Ice” loaf with mixture. Sprinkle bacon over loaf. Cook at 400 degrees until bacon is done.

■ COOKING CORNER

Bop bopa-a-lu a whop bam boo! Tutti Frutti, oh Rudy!

Fancy French Bread

1 loaf French bread1 (12 oz.) pkg. Mozzarella cheese, sliced1 stick butter1/2 c. chopped onion2 tbsp. crushed parsley4 thin slices bacon

Preheat oven to 350 degrees. Slice bread loaf nearly through. Put slice of cheese between the slices of bread. Sauté onions in butter and add parsley; pour onions, butter, and parsley over loaf. Place slices of bacon along top of loaf. Wrap in heavy-duty foil. Bake 20 minutes, uncover, and cook until bacon is done.

Just then, the associate’s com-puter, and the paralegal and other attorneys’ cell phones all “ding” with the sound of an incoming email. It was from Bill, the � rm’s lawyer, who was the General Motors Contact, notifying all 30 o� ces of the law � rm, nation-wide, of the Court decision, and taking full responsibility for the “error.” His was the only name

mentioned.Can you imagine it happening

any other way?© 2015 under analysis LLC.

Under analysis is a syndicated column of the Levison Group. Charles S Kramer is a principal of the St. Louis based law � rm, Riezman Berger, PC. Comments or criticisms about this column may be sent directly to the Levison group at [email protected], or to this newspaper. v

UNDER ANALYSIS Cont. from page 4


Real EstateHAMILTON COUNTY HERALD

FOR HAMILTON, SEQUATCHIE, DADE,

WALKER AND CATOOSA COUNTIES

BUILDING PERMIT PREDICTIONS P14

BRAVES CARAVAN P24

THE CRITIC’S CORNER P18

Spring might be more than a month away, but that doesn’t mean you have to wait to start cleaning. You’re already spending a lot of time indoors, where it’s warm and dry. You might as well improve your indoor air quality and rid your home of the dirt you accumulated last summer and fall.

I realize I’m risking my wife seeing this column and my Honey Do List suddenly getting longer as a result. Regardless, completing these tasks now can keep spring

cleaning to a minimum. On its consumer website, HouseLogic.com, the National Association of Realtors provides several tips for winter cleaning.

For example, get out the vacuum and tackle the dryer vent. Not only does removing the lint build-up help dry your clothes faster, it also eliminates a poten-tial �re hazard. And while you have the vacuum out, ask yourself when you last looked under your furniture. You might be surprised by how many dust bunnies are hiding underneath.

Before putting away the vac-uum, pull the refrigerator away from the wall and clean the coils. Periodically cleaning the refrig-erator helps it maintain e�ciency, which can save you money each month in utility costs.

You can also wash and disin-fect your garbage cans, waste-baskets, and toilet brush holders.

Let the garden hose do the initial work for you, and then use a disinfectant. An added bonus is letting them dry outside in direct sunlight, which helps eliminate bacteria.

Also, change out your HVAC �lters every 60 days. �ese �lters trap dust so you don’t breathe it in, but after a while, they’ve caught all the dust they can hold. Swap them out regularly to keep dust particles o� your �oors and furniture and out of your lungs. When purchasing new �lters, consider their e�ciency rating – the higher the rating, the better they are at removing dirt, mold spores, and pet dander.

Finally, get out the dust rag and clean the tops of your doors, trimming, and artwork. Tackle anything with a horizontal sur-face. Chair rails, electrical wall plates, smoke detectors, upper kitchen cabinets – they all col-

lect dirt and dust, and often are not part of your normal cleaning routine.

Don’t let the winter blues get you down. Check o� these chores now, and by the time spring ar-rives, you’ll have more time to spend outside enjoying everything Greater Chattanooga has to o�er.

�e Greater Chattanooga Association of Realtors is “�e Voice of Real Estate in Greater Chattanooga.” �e Association is a regional organization with more than 1,500 members, and is one of more than 1,400 local boards and associations of REALTORS nationwide that comprise the Na-tional Association of Realtors. �e Greater Chattanooga Association of Realtors services Hamilton and Sequatchie counties in southeast Tennessee and Catoosa, Dade, and Walker counties in northwest Georgia. For more information, visit www.gcar.net. v

Say goodbye to spring cleaningREALTOR ASSOCIATION PRESIDENT’S MESSAGE

FOUNDED IN 1912

2015 Board of Directors, Greater Chattanooga Association of REALTORS®

Travis Close, PresidentNathan Walldorf, President-ElectRobert Fisher, TreasurerRobert BackerKim BassJennifer CooperRuss ElliottFidel FonsecaBarry HamiltonTeresa HoggHappy HuddlestonDenise MurphyBrenda PargeonGeoff RamseyJanice RobertsonVicki TrappSabrena Turner 2015 Board of Directors, Multiple Listing Service of Chattanooga, Inc.

Wells Eady, PresidentVicki Trapp, President-ElectBarry Hamilton, TreasurerKim BassTravis CloseJennifer CooperJason FarmerDan GriessHappy HuddlestonByron KellyPaula PalmerRon TuckerSabrena Turner 2015 Board of Directors, Northwest Georgia Council

Teresa Hogg, PresidentMandy Bandy Melton, President-ElectDenise Lindsey, SecretaryMichele Dills Hudson, TreasurerEddie FloydJake KellerhalsBecky Maples

(423) 698-8001Fax: (423) 698-8004

2963 AMNICOLA HIGHWAYCHATTANOOGA, TN 37406

The region’s answer to all things real estate.

www.gcar.net

Travis Close President

Greater ChattanoogaAssociation of

REALTORS®

By David Laprad

McCoy Homes held a Realtor-only sneak peek event at its de-sign center on East Brainerd Road last week. �e event allowed agents to learn what McCoy has

to o�er their clients.During the event, McCoy

previewed two communities available for custom builds and purchases. �e Ridges of Crys-tal Brook o�ers more than 70 estate lots in Apison, includ-

ing executive homes from the low $300,000s. Scarlet Ridge in Ooltewah o�ers 17 new homes on .75 to 1.5 acre lots. Homes begin in the mid $200,000s.

Maps of the neighborhoods were available for viewing, and

the entire McCoy team was on hand to answer questions, includ-ing general contractor and owner Billy McCoy, Vice President of Operations Connie McCoy, lead

McCoy Homes previews new neighborhoods for Realtors

L-R: Billy McCoy, general contractor and owner of McCoy Homes; Connie McCoy, vice president of operations at McCoy Homes; Paula Palmer of Real Estate Part-ners; Julie Bledsoe, lead designer at McCoy Homes; and Bryan Bledsoe, chief operating officer at McCoy Homes. (Photos by David Laprad)

See McCOY, page 14


designer Julie Bledsoe, and Chief Operating O�cer Bryan Bledsoe.

Joining the McCoy team were Paula Palmer of Real Estate Part-ners, the listing agent for McCoy, and Mike Tally of People’s Home Equity.

Palmer said working with

McCoy is a pleasure. “He’s very customer service oriented,” she said. �e entire building process is stress-free for buyers.”

A number of Realtors attended the event, including Dan Griess of Crye-Leike, who wanted to meet Billy and view his house plans. “Billy is building many homes in our main service area, Ooltewah,”

Griess said. “By knowing the kinds of products the di�erent builders are producing, we can better serve our buyer clients.”

Although McCoy is in the process of building homes in Crystal Brook and Scarlet Ridge,

Billy said buyers are welcome to either customize their house or build an original design from the ground up.

“We love what we do, and we’re looking forward to seeing people make a McCoy home their home,”

Billy said.For questions about Crys-

tal Brook or Scarlet Ridge, call Palmer at 595-5741 or 265-0088.

For more information about McCoy Homes, visit www.mccoy-homesinc.com. v

By David Laprad

Building permits in Hamilton County will be down in 2015, says Dale Akins of �e Market Edge.

Akins was the guest speaker at the Home Builders Association of Greater Chattanooga (HBA)’s general membership meeting held �ursday, Jan. 29. �e Market Edge provides commercial and residential building permit re-ports as well as local and regional trend reports, among other ser-vices. Moving at a breakneck pace through dozens of slides packed with numbers and charts, Akins estimated that Hamilton County

will issue about 750 building permits in 2015, down from 919 in 2014.

Akins based his prediction on a lack of job growth in Hamil-ton County. “�e Chattanooga market simply hasn’t recovered from the 2009 recession,” he said. “Volkswagen gave you a bump of 10,000 jobs in 2010, 2011, and 2012, but the last two years have been terrible.”

In 2013 and 2014, Hamilton County lost 3,333 jobs, according to statistics Akins displayed dur-ing his talk. �e lost jobs in turn have created a slowing trend for building permits, Akins said.

To create the demand for 750 permits, Akins said Hamilton County will need to produce 750 jobs in 2015.

Local builder Jay Bell of Bell Development is taking a di�er-ent view of the demand for new construction in the coming year. “Dale based his estimates on a conservative view of what the job market in Hamilton County is going to do in 2015,” he told the Hamilton County Herald. “We’re hoping to see more growth out of the Volkswagen announce-ment and continued growth of other local businesses.”

Akins predicted Hamilton County would issue 800 building permits in 2014 – 119 fewer than were ultimately issued. Bell says Akins based that number on an equally conservative view.

“We think building permits will remain about the same as they were last year, or even expe-rience a bit of growth,” Bell said. “We have a new school going up, great stu� is happening around UTC, and we’re looking forward to growth in Red Bank due to their new zoning regulations.”

Whereas Akins based his predictions on a conservative model, Bell says his predictions are founded on con�dence in the market. “We’re expecting good things to happen,” he said. “If I didn’t wake up every morning with an optimistic outlook, I wouldn’t be a home builder.”Installation of officers and directors

Prior to Akins’s presenta-tion, the HBA installed its newly elected o�cers and directors for 2015.

O�cers for 2015 include President Win Pratt, Associate Vice President Paula Palmer, Treasurer Mike Croxall, Secre-tary Bell, and Immediate Past President Ethan Collier.

Directors include Nina Boss, Joe Bozich, Ronda Van Billiard, Elaine Burt, Tim Burns, Tom Carmichael, Jordan Cornelison,

Bobby Cronan, Lenny Delius, Karen Flores, Stuart Gaines, Frank Goodwin, Marty Hilliard, Amber James, Gus Issa, Dale Mabee, David Matthews, Mike Moon, Dennis Neal, Barry Payne, Vicki Schambron, Ramona Scott, Sherman Smith, Gabe �omas, Jeremy Toliver, Trae Vaughn, Brandon Waters, and Terry West.

Life directors include Colman Hochman, Don Moon, and Har-old Payne.

�e HBA will now turn its at-tention to preparing for the 49th Annual Tri-State Home Show, scheduled to take place Friday, March 13 through Sunday, March 15. For booth information, call 624-9992. v

Dale Akins of The Market Edge says Hamilton County will issue 169 fewer building permits in 2015.

The HBA’s 2015 directors stand to be recognized.

Dennis Epperson, secretary of the Home Builders Association of Tennessee, installs Win Pratt as the 2015 president of the Home Builders Association of Greater Chattanooga. (Photos by David Laprad)

Analyst predicts fewer building permits

in Hamilton County

Guests view maps of two new neighborhoods in which McCoy is building homes. Many Realtors attended the sneak peek, which was held at McCoy’s design center, located at 7550 East Brainerd Rd.

McCOY Continued from page 13


Tennessee Housing Develop-ment Agency last week an-nounced the creation of the Vicki George Award in honor of a retiring employee who has spent the last 22 years raising aware-ness of homebuyer education and counseling statewide.

�e Vicki George Award will recognize an educator or counsel-ing agency who excels in provid-ing professional homeownership education and counseling that results in a signi�cant improve-ment in housing opportunities for Tennessee families.

�e announcement was a surprise to George, and came as THDA’s Board of Directors rec-ognized her for 40 years of state service, 34 of which were with THDA.

“We have seen that educating homebuyers on the front-end of the loan dramatically lowers the risk of foreclosures later on down the road,” explained Ralph Perrey, THDA’s executive director.

“Vicki’s e�orts have made THDA’s homebuyer education program the best and most ef-fective in the country, and have helped secure a bright future for thousands of Tennesseans.”

When George took over

THDA’s homebuyer education program in 1993, there were 11 homeownership education counseling agencies in �ve coun-ties. Today, there’s an extensive network of certi�ed homebuyer educators and counselors across the state. In the past 13 years, this network has provided homeown-ership training to over 61,726 Tennesseans.

Homebuyer education is available to anyone interested in purchasing a home in Tennessee. Each attendee must complete an eight-hour course covering topics like mortgage insurance, home repairs, escrow, and steps to prevent foreclosure. A full list of certi�ed-instructors and the class calendar is available for consum-ers at GreatChoiceTN.com.

THDA will announce the �rst recipient at the Governor’s Hous-ing Conference October 7-8 at the Nashville Music City Center. �e award is part of a showcase of housing honors called Ten-nessee’s Best. THDA will solicit nominations for the Vicki George Homebuyer Educator Award and other Tennessee’s Best awards on their website this summer.

Source: Tennessee Housing Development Agency v

THDA created new award for

homebuyer educators

�e Board of Directors of Pioneer Title Agency this week announced the appointment of Sandra Jolley as president and chief executive o�cer. She is the third president of PTA since its founding. Jolley has been with the �rm for 35 years, and has held controlling interest for many years.

Jolley said she could not be more excited about her new posi-tion and the future of Pioneer Title Agency. “�e new Consum-er Financial Protection Bureau regulations will make our indus-try and PTA stronger and safer. And the computer hardware and software systems upgrades we’re implementing will signi�cantly decrease our turnaround time on title commitments,” she said. “Most importantly, we are ap-

preciative of our loyal following of clients.”

�e nine employees of PTA have combined experience of 122 years in the title business. Sta� attorney Tammie Belcher has 22 years with PTA, is the chief title examiner, and has been the heart and soul of PTA’s title searches for many years. Belcher’s work in Pioneer’s proprietary title plant makes searches exceptionally accurate. According to Jolley, PTA’s escrow o�cers, Debbie Raborn and Robin Rose, “are the �nest [she’s] ... worked with in 35 years.”

PTA is located in Chattanooga at 513 Georgia Ave. A branch o�ce is located at 6150 Shallow-ford Rd. PTA can be reached at (423) 756-8221.

Source: Pioneer Title Agency v

�e Chattanooga Housing Authority introduced a new online application process when it opened its Housing Choice Voucher Program waiting list on Jan. 26. �e process took only a few minutes and was completed by 6,533 applicants.

Using an online application allowed applicants to apply on their computers, tablets, and cell phones. In the past, thousands of applicants were forced to wait in line to �ll out a hard copy appli-cation at the Chattanooga Hous-ing Authority (CHA) central of-�ce. Numbers collected by CHA sta� members show a majority of applicants (62 percent) used a mobile device to complete the application. A total of 29 percent used computers to apply. Tablets were used to submit nine percent of applications. A vast majority of applicants were able to complete the process on their own, with no assistance. About 500 applicants chose to take advantage of the computer lab at CHA Central O�ce, where CHA sta� mem-bers were available to walk them through the process. Local librar-ies also provided free computer access to those who needed it.

“�is was an extremely ef-�cient way for our clients to apply,” said Executive Director Betsy McCright. “�e process was quick, easy to navigate, and it didn’t require thousands of ap-plicants to wait in line to put pen to paper. Most importantly, this will help expedite the selection process so we can get vouchers to those selected quickly. Before, we spent months processing the data.”

�e CHA used third-party computer software to randomly select 1,000 applicants from the pool to create a waiting list. Mc-Cright hopes to be able to screen those 1,000 applicants for eligibil-ity within the next 18 months.

�e lottery selection process took place Jan. 30 at the CHA central o�ce on Holtzclaw Av-enue. �e random drawing took less than a minute. �e CHA then sorted the names based on random drawing. On Feb. 2 at noon, the CHA posted the 1,000 waiting list applicants on its web-site, www.chahousing.org. �e CHA will also post hard copies of

the waiting list at all CHA public housing management o�ces. �ose who are not selected will need to reapply in the future.

For more information on the Housing Choice Voucher Pro-gram and the registration pro-cess, visit www.chahousing.org or call (423) 752.4893.

Source: Chattanooga Housing Authority v

Online process proves successful for Housing Voucher Program

Jeremy Blaylock, IT director at the Chattanooga Housing Authority (CHA), hits the “Enter” key to begin the lottery selection process for CHA’s Housing Choice Voucher Program. The random drawing took less than a minute. (Photo by David Laprad)

Vicki George, retired head of the THDA’s homebuyer education program, and THDA Executive Director Ralph Perry. An award for homebuyer education counselors will be presented at the Governor’s Housing Conference in George’s name. (Photo provided)

Pioneer Title Agency appoints new president and CEO

Sandra Jolley is the new president and chief executive officer of Pioneer Title Agency in Chattanooga. (Photo provided)


Experience” on Friday, April 17 featuring National Book Award winner Charles Frazier, novel-ist Ron Rash, and Guggenheim Fellow Allan Gurganus. Chris Dortch, director of the Chat-tanooga Film Festival, has been invited to moderate.

Also on the schedule for Fri-day, April 17 is the panel discus-sion “Women of the Southern Wild: Enduring Female Char-acters in Southern Literature & Drama,” featuring Ron Rash, Atlanta native Tayari Jones, Dos Passos Prize-winner Jill Mc-Corkle, and New York Times bestselling author Lee Smith. National Book Award �nalist Jayne Ann Phillips will moder-ate.

Readings by new members of the Fellowship of Southern Writ-ers and the Fellowship Award Winners are scheduled through-out the weekend. New Fellows include novelists Tayari Jones, George Singleton, and Steve Yarbrough, and poets Kate Dan-iels, Brooks Haxton, and C.D. Wright. Award-winners include

poets Kevin Young, Terrance Hayes, and Jesse Graves; �ction writers Jennine Capó Crucet, Steve Yarbrough, and Megan Mayhew Bergman; non�ction winners James C. Cobb and Robert Benson; and playwright Branden Jacobs-Jenkins.

To close the weekend, local spoken word poet Christian Col-lier will perform in collaboration with Shane Morrow of Jazza-nooga on Sunday, April 19.Social Events

Attendees may also attend a variety of formal and informal social events with the participat-ing writers. On �ursday, April 16, the Southern Lit Alliance will host an Opening Reception in the Fellowship of Southern Writ-ers Archives on the top �oor of the newly constructed UTC Library. On Friday, April 17, guests may enjoy cocktails and conversation with the Fellowship of Southern Writers award win-ners at the Flying Squirrel Bar on Johnson Street.

Saturday, April 18 will feature two special events. �e Heritage Dinner with John T. Edge at Easy

Bistro will be a small gathering with special guest John T. Edge of the Southern Foodways Al-liance. �e evening will feature drinks, snacks, and a four-course seasonal dinner prepared by Chef Erik Niel. Moonshine Sere-nade with �e Oxford American, taking place at the Bessie Smith Cultural Center from 7 to 9 p.m., will feature music by Clyde Edg-erton & Friends, a discussion of Southern identity with Lookout Mountain writer Jamie Quatro and �e Oxford American editor Roger D. Hodge, and cocktails. �e cocktail bar will be stocked with locally sourced spirits – moonshine whiskey, craft brew, and wine – from Chattanooga Whiskey and Chattanooga Brewing Company.

All occasions, with the excep-tion of cocktails at the Flying Squirrel Bar, require a separate ticket. For tickets, reservations, and to view a full schedule please visit www.SouthernLitAl-liance.org/Celebration-of-South-ern-Literature.

Source: �e Southern Lit Alli-ance v

SOUTHERN LIT Continued from page 4

Brainbuster – Make your brain tingle!

By Kay Bona [email protected]

Our English language is constantly morphing. Some words are lost, some are born. How well have you kept up? See how well you do at the puzzle below!

1. �ere are only four countries in the world with one syllable in their name. Can you name them?

2. True or false: �e word “checkmate” in chess comes from the Persian phrase “Shah Mat,” which means “the queen is dead.”

3. Of the following de�nitions, which one de�nes “spooner-ism”: A word having the same or nearly the same meaning as another word or other words in a language; the transposition of sounds of two or more words, such as Let me sew you to your sheet for Let me show you to your seat; a word with an opposite meaning of another word; a combination of two contradictory terms such as bittersweet or the phrase living death.

4. If a person is described as “atrabilious,” what are they ac-cused of having? �e inability to feel by touching; having the ability to perform miracles; a person who deals with unimport-ant things; a person who is bad-tempered or irritable.

5. If you’re a person that “confusticates,” you: make up non-sensical words with no meaning; regularly lie or cheat; con-stantly hide your true intentions; are someone who predicts the future.

6. If you know what this word means, then you have either seen, or know of someone, like this. What is a “gongoozler?” A child raised and spoiled by their grandmother; someone who speaks foolishly or says silly things; a person who has a habit of dropping in at mealtimes; an idle spectator or rubbernecker.

7. What is a “lazaretto”: a person who stares at pool of water as a means of self-hypnosis; a hospital for lepers; the space on a ship between decks that’s used for storage; a smooth or sweet voice, tone, or writing style.

8. I’ve been accused of being a balatron. Why am I called that, or have I done? I’m a joker or a clown: I constantly talk non-sense, or babble on about nothing; I’m an aviator or pilot; I’m someone with a great capacity, or appetite, for food.

9. Irrefragably is a word sometimes used by attorneys, or in court cases. What does it mean? In itself: made pale or thin; indisputably; hungrily or greedy.

10. And last but not least, if I have a fear known as ergasio-phobia, I’m in bad shape! Ergasiophobia can be a persistent and debilitating disorder in some people, causing signi�cant psy-chological disability and dysfunction. What’s bothering me? I’m afraid of being buried alive; I’m afraid of everything; I’m afraid of being pursued by timber wolves around a kitchen table while wearing socks on a newly-waxed �oor; I’m afraid to go to work.ANSWERS

1. Chad, France, Greece, and Spain. 2. False. Checkmate means “the king is dead.” 3. �e transposition of sounds of two or more words. 4. A person who’s bad-tempered or irritable. 5. You are someone who makes up nonsensical words, with no intention of have a meaning. 6. A gongoozler is an idle specta-tor or rubbernecker. 7. A hospital for lepers, although there isn’t much of a need for these now. 8. I’m a joker or a clown. 9. �e old word of “irrefragably” can be used for “indisputably.” 10. I’m afraid to go to work. �e fear of being pursued by timber wolves around a kitchen table while wearing socks on a newly-waxed �oor is actually a �ctional phobia created by Gary Larson, au-thor of the “Far Side” comics.

I have concluded that my husband feels that we hired a maid somewhere in the 13 years we have been together. Frankly, I am not sure that he is aware his shoes belong in his closet; for that matter, that anything belongs in his closet.

On a daily basis, I pick up at least three pairs of his shoes from my living room �oor. Drives. Me. Crazy. �erefore, I have been on a mission to rectify this situation, which has proven quite di�cult since I really do not have any space for something of this extent. Here’s to me wishing we had purchased a home with a mudroom!

Instead, I have decided to make a boot tray, which will prove functional while acting as a great décor piece. �is is a minimal woodworking project for people new to DIY-ing and is quick to accomplish.

I will be using reclaimed wood from a pallet I have, so this also makes this project super inexpensive. If a pallet is not available, the wood you would need to purchase would still be inexpensive.

Items needed:• wood for sides and bottom• wood glue• wood nails• nail gun or hammer• a drawer handle• iron casters

To start, con�gure the dimensions of the boot tray. I will be making a square shape tray, as this is what �ts in my allotted space; however, it can be made as large or small as needed. My tray will measure 18” by 18” inches.

Next, �gure out your cuts for the bottom and side pieces. I have a pine board available for the bottom of the tray and since it is

going to be a perfect square, all of my cuts need to be the same measuring 18” on each side. After the bottom piece is cut and ready, the cuts for the side pieces can be made.

To make the side pieces there are two options: if you have a

miter saw available, make the cuts the correct length with the ends cut at a 45 degree angle. If a miter saw is not available, all the sides can be nailed together making the shape, but the cuts will be di�erent.

Example: For my 18’’ by 18” square tray, the sides need to be cut with two pieces measuring 18 inches and two pieces measuring 16 inches. �is is because I will be attaching them without mitered sides, so my 16 inch boards will be attached sitting on the inside

of the 18 inch long sides. I have to account for the width of the sideboards, and my material is 1 inch wide.

Once the sideboards are ready, run wood glue along all the edges of the sideboards and piece them together. Afterwards, secure the pieces together with wood nails. �en, sit the bottom piece of the tray on top of the sidepieces and nail all of it together.

Now for the �nal additions; add your handle of choice onto the front and screw in the casters onto the bottom. Flip that baby over and �ll er’ up with shoes!

You can also assemble two 90 degree galvanized iron elbows and a piece of galva-nized iron pipe together into a handle. �is would be a great way to incorporate more of an industrial, rustic feel.

If you would like to skip cutting wood altogether then an old, shallow, dresser

drawer would work great for this project. So, stop sitting there and start creating!

April Sherrill is a sta� writer for the Hamilton County Herald. Contact her at [email protected]. v

Reclaimed wood boot tray

Do It Yourself

By April Sherrill

What’d They Say?By April Sherrill

[email protected]

Fill in the blanks in the quote using the following words:

become, must, lose, ocean, few, humanity, you humanity, ocean, faith, dirty, drops, ocean, dirty

“_____ _____ not _____ _____ in _____. _____ is an _____; if a _____ _____ of the _____ are _____, the _____ doesnot__________.”

~ Mahatma GandhiAnswer in next week’s paper.

Answer to last week’s quote.“Youcan’tdoanythingaboutthelengthofyourlife,butyoucandosomethingaboutitswidthanddepth.”

~ Evan Esar

(Photo courtesy of magnoliahomes.net)


its authority by imposing an unjust and discriminatory charge. �e County WWTA �led a mo-tion to dismiss the complaint, which the trial court initially de-nied. Upon the County WWTA’s amended motion to dismiss and motion for summary judgment, American Heritage’s motion for partial summary judgment, and supplemental briefs submitted by both parties, the trial court grant-ed summary judgment in favor of the County WWTA. �e court found that because the Utility District Law of 1937, Tennessee Code Annotated §§ 7-82-101 to -804, provided an administrative procedure for contesting utility charges, no private right of action was available. �e court further ruled that in the alternative, if a private right of action were allowed by this Court on appeal, American Heritage’s complaint could be certi�ed as a class action lawsuit. American Heritage has appealed. Having determined that

the trial court erred by applying the Utility District Law of 1937 to a non-utility district water and wastewater treatment authority,

we reverse the grant of summary judgment. We a�rm the trial court’s ruling regarding the class action certi�cation. v

I Swear CrosswordCRIME AND ... By Victor Fleming

Across1Gauchos’weaponry 6 Frequent encl.10 Reformer Lucretia14 Act the elocutionist15 Impatient initials16Bee’sgreat-nephew17 With 63-Across,

source of quotation18 Rocker Ford19 Campbell of “Scream

3”20 Detailed analysis22 Ohio city23 Start of a quotation25 Unfit for detail work28 Double agent, e.g.29 ___-Bismol30 ___ Men (“Who Let the

DogsOut”band)33 Oft-quoted auth.37“Hey!,”toHadrian38 Employer of quota-

tion’ssource41 Ginger ___42 Fit sound to action,

e.g.44 Granola bits45 Drift47 Bears49 Gaggle male50 End of the quotation56 Opposite of pencil in57Ships’sinkers?61 Dryer detritus62 Pain in the neck63 See 17-Across64 Box office request65 Incursion66“We’relivingin___ofuncertainty”67 ___ about (legal time frame)68 They may be against you69 All keyed up

Down1Anjou’skin2Willyof“FreeWilly” 3 Part of old French Indochina 4 Take a shot at 5 Attacks vigorously 6 Cantina toast 7 Digression 8 Lascivious sort 9 Pollution-fighting org.10 Early space travelers11 Puccini product

12 Recording devices13Bopper’sleader?21 Take a shot at22 One in the viper family24Witness’sphrase25 Where folks can get into hot water26 Impose, as taxes27 Tournament for all30Victoria’sSecretproduct31Socialworker?32“___makingalist...”34 Mouse manipulator35 Lubricant ingredient36“TheKingandI”costar39 Bouquet40 Ogles43“Gunsmoke”deputy46 Court limit48 Fruit-drink suffix49 Blowtorch fuel50Ma’sinstrument51 Night hunter

52 Sorbet flavor53 War epic54 Type of geometry55Wrestler’srepertoire58 Noted fashion model59 1990s collectibles60 Snick-and-___ (machete)62 Country club coach

Victor Fleming’s puzzles have appeared in many publications, including the New York Times and Games Magazine.

Last week’s solution

Complete the grid soeach row, column and3-by-3 box (in boldborders) containsevery digit, 1 to 9. Forstrategies on how tosolve Sudoku, visitwww.sudoku.org.uk

SOLUTION TOTUESDAY’S PUZZLE

Level: 1 23 4

© 2012 The Mepham Group. Distributed byTribune Media Services. All rights reserved.

1/25/12

Last weeks solution

Long live the pasquins

C harlie Hebdo promotes itself as having a viewpoint that re�ects “all components of left wing pluralism.” Its busi-ness is satire. It skewers Jews, Catholics, Protestants, and

Muslims. It has twice been attacked by terrorists. �e attack in 2011 didn’t kill anyone.

From Webster’s Revised Unabridged, I learned that the Pas-quino was a tarnished old statue that was dug up in ancient Rome next to the shop of a “witty cobbler or tailor.” The local custom, it is said, was to post satire on this statue. From this statue, ap-parently, we get the word pasquin – one who satirizes.

John Dryden wrote, “The Grecian wits, who satire first began/ Were pleasant pasquins on the life of man.” The Romans made fun of life. Pleasantly. I know of no wars in the ancient world that were waged over satire.

The French co-opted this little word from the Greeks, adding their ade ending. In my little dictionary, I find pasquinade, one who satirizes. I like to think of Charlie Hebdo, though, as a place full of pasquins.

Satire is regarded as an art form in which the vices and follies of people are “held up to censure by means of ridicule, derision, burlesque, irony, parody, caricature, or other methods.” The quoted language is from Robert C. Elliott, in the Encyclopedia Britannica. The intent of the satirist – the pasquin – often is to change that which is pasquinaded, lampooned, satirized.

When I disconnect from all vestiges of intellectualism (not ter-ribly difficult, since that part of my load is pretty light), I tend to focus on two concepts where satire is concerned: (1) someone is making fun of someone else; and (2) often, the one being made fun of “can’t take it.”

Not being able to take being lampooned manifests in different ways, ranging from suffering embarrassment in silence to leav-ing in disgust (the crowd, the company, the town, the country) to enlisting abettors with a view toward revenge. The last option, presumably, is aimed at a perceived wrongness of the pasqui-nade.

In eulogy mode, Scott Simon of NPR News recently com-mented, “Satire is tricky business. … The same people who laugh at one joke can get offended by the next.” I say eulogy, be-cause the January attack on Charlie Hebdo left 12 of its cartoon-ists dead. The attack is widely attributed to extreme Islamists, who were offended by cartoons lampooning, pasquinading, their faith, its symbols, and key characters.

I’m reminded of the playgrounds of my youth. There was always someone who could not take satire and who responded with violence. A punch in the nose, perhaps; a full-speed football tackle; or worse.

This topic raises the question “What’re you gonna do?” Ban the satire, and “they” win. Leave it alone, and “they” keep at-tacking. Try to regulate it? Well, bring a shovel to collect the leftover smoke.

Freedom of expression is a liberty that comes with responsi-bilities and costs. Always has been. Always will be. Wherever one draws the boundary of appropriateness, the risk is others will disagree. The idea, though, that, under any aegis, someone would kill another over a cartoon offends me, and then some! You?

Vic Fleming is a district court judge in Little Rock, Ark., where he also teaches at the William H. Bowen School of Law. Contact him at vic�[email protected].

I Swear

By Vic Fleming

The Hamilton County Herald is pleased to publish numerous columns

from inside and outside sources. The opinions and views of these columnists

are their own and do not necessarily convey the opinions of

The Hamilton County Herald.

APPELLATE COURT Cont. from page 5


For the next several weeks, I’ll be involved in my county sheri� ’s citizen academy, where I’ll have the opportunity to learn a whole lot about a department that most of us take for granted - except when we need them to get us out of a bad situation. Now, this acad-emy isn’t going to make me into my hero, Cordell Walker, from “Walker Texas Ranger” fame, but it will give me insight into the day-to-day operation of the sher-i� ’s department, and allow me to see what it’s like on the other side of the badge.

� is year’s class, number 47, is a pretty good-sized one, made up of individuals from all walks of life, with myself being the only county commissioner. I’m there because I thought it would be good to see where our tax dollars go, and I � gured it might help me make the right decisions when it comes to providing for the pro-tection of our citizens, as well as our law enforcement personnel. I also have to admit I’m looking forward to the “ride along” with an o� cer one evening and getting to � re a � rearm in the new � ring range, but most importantly, I want to understand what these enforcers of today’s laws have to go through. You’ve always heard you never know what the other guy feels until you walk in his shoes. I’m just trying them on to see how they � t.

� is bit of training will also show me the problems my county is experiencing with narcotics, gangs, and crimes I never would have thought would occur here. Big time crime has come to the country and we, as a population, need to be aware of what its warn-ing signals are. � e rural coun-tryside is the perfect place for the production of methamphetamine,

better known by most of us as meth, and we need to know what to watch for, and most important-ly, what to stay away from.

Today’s law enforcement has its hands full, and with the new thinking process of society, they also must operate in a di� erent manner from days gone by. � eir job is one that takes special peo-ple and individuals who must deal with problems that can change from our worst nightmare to an opportunity that makes some-one’s day the best ever. Each day when they pin on those badges, I’m sure they wonder what will be waiting for them outside the door, and when they take them o� after a 14-hour shift, will their rest be one of peace or a time of replay-ing the day’s happenings.

During the next session of the academy, I have the chance to do a mock up of a stopped automo-bile. After seeing what I’m to do in this circumstance, I’ll be told to walk up beside the car and check out those inside. Of course, this isn’t for real, but these are depu-ties with weapons that do shoot and can sting pretty good, so you have to be careful. Understand, I’m a writer and not Walker Texas

Ranger, so I’ll probably be shot at, but I will remind them that I’m the commissioner on the com-mittee that approves their budget each year, so hopefully ink by the barrel, along with votes, will be stronger than bullets. I guarantee this ole farm boy will be peeking real carefully into that car window.

Over my years as a writer, I’ve had the chance to take some of these walks to see for myself what others do so I can better under-stand their roles in their occupa-tions. I’ll never forget walking the mock up of Baghdad at Fort Campbell, where the 101st train, and seeing what they go through to learn their missions. I gained a real understanding, appreciation, and total respect of our � ghting force.

I’ve even gone through a hot sauce plant in New Mexico to see what those workers do behind the scenes where the peppers are ground into a really � ne powder. I’ll never forget that day, and how my sinus problem was cleared and my breathing turned into a four-alarm � re. I really appreciate those workers doing that job so my tacos will be just right.

I understand you don’t have to go out and do what everyone else does just to appreciate their work. Often, we become so complacent and totally involved in ourselves that we forget to realize that these servants of the people, who are out there at all hours watching after our welfare, do exist, and have families, too. Next time one of them stops you, don’t tell them you pay their salary, because they may ask you for a raise. Instead, put your feet in their shoes.

Pettus L. Read writes for the Tennessee Farm Bureau Federa-tion. He may be contacted at [email protected] . v

Put your feet in their shoes

Read All About It

By Pettus L. ReadTennessee Farm Bureau

‘The Loft’ a thriller with few thrills

Halfway through watching “� e Loft,” I told a friend via text that they could have titled it “Men Are Pigs.” She replied, “I could have told you that.” I’m not sure if she was talking

about the movie or men, but either way, that brief exchange was the most entertaining part of the two hours I spent in the theater watching the � lm.

(Maybe you think I’m a pig for texting during a movie, but there was only one other person in the theater, and they weren’t anywhere near me. When someone is sitting near you, texting once the lights go out is bad protocol.)

Anyway, here I am, giving another piece of January trash a bad review. But it’s not my fault. I didn’t want to see a bad movie anymore than the � lmmakers wanted to make one.

� e creative team behind “� e Loft” could have taken a step toward making the movie more enjoyable by infusing at least some of its characters with a modicum of sympathy. � e story revolves around � ve married guys who agree to split the cost of a high end downtown loft for their extracurricular activities. “No messy credit card bills, no sneaking around town,” says Vincent, who proposes the idea and gives each man one of only � ve keys to the suite.

� e only character with a mote of likability is Chris, who says he doesn’t cheat on his wife, but does it anyway when someone throws a pretty blonde in his face. (Oops. Did I say too much?)

� is seems like a great set-up until one of the women brought to the loft ends up dead – and not just garden variety dead, but “handcu� ed to the bed, sliced open, with Latin writ-ten in blood on the headboard” dead. As the men try to � gure out “whodunnit,” they grow suspicious of each other, and much yelling and manly posturing ensues. (A great drinking game while watching “� e Loft” would be to take a shot every time one of the guys chest bumps someone and screams “Bring it on!” I’d be out before the end of the second act.)

� ere are a few twists, but wow, are they hackneyed. I didn’t see the big one coming, but instead of being surprised, I groaned. In that moment, which happens well before the end of the � lm, any semblance of curiosity I had regarding the identity of the killer seeped out of me like air being let out of a balloon.

� e thing I disliked the most about “� e Loft” was what the big reveal says about its central characters. While I can’t give anything away, it essentially makes them hypocrites. “You slept with who? Bring it on!” (Oops. Did I say too much?)

I also don’t think the women in the movie got a fair shake. With one exception, all of the central female characters are either psychotic, gold diggers, or “working girls.” I guess since all of the men are pigs, it’s only fair that most of the women would be wallowing in mud, too. Either that, or the screenwrit-er couldn’t craft human characters, so he created unpleasant archetypes.

“� e Loft” doesn’t o� er much more fodder for complaint. � e casting is decent and the acting is pretty good, and while I would have liked slicker, more “Hitchcockian” camerawork, di-rector Erik Van Looy did an OK job behind the camera. I could have used fewer blurry close-ups of the actors during the police interrogation scenes, but I understand he was trying to suggest a confused state of mind.

Maybe I’m giving too much artistic credibility to Van Looy. After all, “� e Loft” doesn’t even qualify as disposable enter-tainment, just disposable.

Two stars out of four. Rated R for sexual content, nudity, bloody violence, language, and some drug use. David Laprad is the assistant editor of the Hamilton County Herald and an award-winning columnist and photographer. He will do his best to like the next movie he reviews. Contact him at [email protected].

The Critic'sCorner

By David Laprad

Pending home sales stall in December

Despite interest rates being at their lowest level of 2014, pending home sales cooled in December but remained above year-over-year levels for the fourth consecutive month, according to the National As-sociation of Realtors. All major regions experienced declines in December.

� e Pending Home Sales Index, a forward-looking indica-tor based on contract signings, decreased 3.7 percent to 100.7 in December from a slightly down-wardly revised 104.6 in No-vember but is 6.1 percent above December 2013 (94.9). Despite last month’s decline (the largest since December 2013 at 5.8 per-cent), the index experienced its highest year-over-year gain since June 2013 (11.7 percent).

Lawrence Yun, NAR chief economist, says fewer homes available for sale and a slight ac-celeration in prices likely led to December’s decline in contract signings. “Total inventory fell in December for the � rst time in 16 months, resulting in fewer choices for buyers and a modest uptick in price growth in mar-kets throughout the country,” he said. “With interest rates at lows not seen since early 2013,

the strength in existing-sales in upcoming months will largely depend on the willingness of current homeowners to realize their equity gains from the past couple years and trade up.”

Added Yun, “More jobs, increasing consumer con� -dence, less expensive mortgage insurance, and new low down payment programs coming into the marketplace will likely lead to more demand from � rst-time buyers.”

Pending home sales in the South declined 2.6 percent to an index of 116.6 in December, but are 8.6 percent above last December.

Total existing-homes sales in 2015 are forecast to be around 5.26 million, an increase of 6.6 percent from 2014. � e national

median existing-home price for all of this year is expected to in-crease between 4 and 5 percent. In 2014, existing-home sales declined 3.1 percent and prices rose 5.8 percent.Realtors support FHFA Director Watt’s efforts to promote affordable homeownership

� e following is a statement by National Association of Real-tors President Chris Polychron:

“Realtors support responsible lending to quali� ed buyers, which is essential for building strong communities. � e new low down payment mortgage program introduced last month by Federal Housing Finance Agency Director Mel Watt will safely serve creditworthy bor-rowers who lack the resources for substantial downpayments plus closing costs while mitigating risk with strong underwriting.

“NAR research shows that saving for a down payment is the biggest hurdle to homeowner-ship for many � rst-time buyers, who have been entering the mar-ket at lower than normal rates. Improved access to safe, a� ord-able mortgage credit through FHFA’s 3 percent down payment program will help new borrow-ers achieve the dream of home-ownership.”

National Association of Realtors

A Summary of Recent News


organizing principle for the code” (formbasedcodes.org).

�e form-based code initiative in Chattanooga kicked o� with a public meeting at Bessie Smith Cultural Center on Wednesday, Jan. 28. Lee Einsweiler, the princi-pal and founding partner of Code Austin, introduced the project and explained the importance of the e�ort.

“Having a walkable, high quality, urban downtown are all embedded in your planning,” Einsweiler said to a crowd of about 250, “but they are not yet embedded in your code. We want to tune your existing regulations so they help you do what your plans say you should be doing.”

Travis Close, president of the Greater Chattanooga Association of Realtors, attended the event. Afterward, he spoke favorably about the use of a form-based code in portions of Chattanooga.

“�e idea of creating a form-based code is exciting to us,” he said. “I think it will present some new and unique opportunities regarding how we look at current and future development through-out the extended downtown area.”

�e city’s form-based code ini-tiative has its roots in task forces Mayor Andy Berke put together a year ago as part of Chattanooga Forward, an e�ort to envision the future of the city. Task force members from a variety of back-grounds spent several months investigating and discussing a variety of topics, and then made their recommendations to the mayor.

One of their suggestions was to do form-based codes. Berke liked the idea because he wants the people of Chattanooga to have input into where the city is headed. “Form-based codes are people-centric,” he said. “�ey’re about getting people who care about their city involved, asking

them what they want to see, and then making it happen.”

To allow the Chattanooga com-munity to help shape its form-based code, Code Studio and the Regional Planning Agency have scheduled a multi-day charrette in March. A charrette is a plan-ning session in which citizens, planners, and other technical professionals collaborate in the preparation of a new form-based code. �roughout the process, the public will have a chance to pro-vide input and react to concepts.

Charrettes are inclusive by nature, Einsweiler said, and designed to build consensus from the outset. “We could go into a dark room, read your plans, and come back and tell you what to do. But that would go over like a lead balloon,” he said. “We want to talk with you, understand your concerns, and work with you to develop a collaborative answer.”

Code Austin has 30 years of planning and zoning experience around the country, including in Denver, Colo., Los Angeles, Calif., Bu�alo, N.Y., and more. But Eins-weiler said they won’t be replac-ing the planning Chattanooga has done over the years. “We’re not bringing in a preconceived model to apply to your city,” he said. “I didn’t grab something from Cali-fornia or South Florida to stamp on top of you. We have enough time and energy to do something that �ts Chattanooga.”

As an example of how the form-based code will be tailored to Chattanooga, Einsweiler mentioned street design. “We’ve seen some awful intrusions into neighborhoods like speed humps, which suggest your streets aren’t working,” he said. “We need to be thinking about more natural calming mechanisms, like getting the streets right.”

Starting Saturday, March 7 and

ending �ursday, March 12, a team of 12 consultants from a va-riety of disciplines ranging from design, to transportation and parking, to historical preservation will work with citizens to discuss the new form-based code. Every event will be held at Bessie Smith, and will be open to the public.

Highlights will include:Hands-on neighborhood design workshop

Saturday, March 7 from 8:30

a.m. until noonOpen design studio

Sunday, March 8 through Wednesday, March 11 from 9 a.m. until 6 p.m.Lunch and learns

Monday, March 9; Tuesday, March 10; and Wednesday, March 11 from noon to 1 p.m.Drop-in open house

Monday, March 9 from 6 to 8 p.m.Work-in progress presentation

�ursday, March 12 from 6 to 7:30 p.m.

Close said he’s looking for-ward to the Association and its members providing input. “Our leadership plans to fully engage in this process, starting with the charrette that will begin on March 7,” he said. “I believe our many talented and experienced Realtors can make some lasting and signi�cant contributions to the process.”

Einsweiler said form-based code is not a “Hail Mary” pass - a big play to save a city (like the Tennessee Aquarium). Rather, he compared it to a running game. “Form-based code is about mak-ing incremental improvements all over the downtown area,” he said.

Before closing, Einsweiler reit-erated that a form-based code is a regulation, not a mere guideline, adopted into city law. “We hope your City Council will be work-ing on adoption by fall or winter,” he said. “�is is a real thing, and it’s going to replace your existing code. We hope it will be a better thing for all of you.”

Additional details are available on the project website at www.CHA-FBC.com. v

Lee Einsweiler, the principal and founding partner of Code Austin, the com-pany consulting with the city on the form-based code project. (Photo by David Laprad)

About 250 people attended the kickoff event. (Photo provided)

FORM-BASED Continued from page 1

Actual form-based code. Unlike traditional zoning code, which consists of reams of text, form-based code is highly visual, which helps to produce predic-tive results. (Image courtesy of Lee Einsweiler)


personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 15-063305 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 12, 2015 at 10:00AM local time, at the west door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402, pursuant to Deed of Trust executed by Tessa N. Nichols an un-married woman, to Kathryn L. Harris, Trustee, on November 11, 2010 at Book GI 9293, Page 180, In-strument No. 2010111800135; all of record in the Hamilton County Regis-ter’sOffice.Partyentitledtoenforcesecurityinterest:NationstarMortgageLLC, its successors and assigns The following real estate located in Ham-ilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: Lot Ten (10), Stormy Ridge Subdivision, as shown by plat of record in Plat Book 58, Page194,intheRegister’sOfficeofHamiltonCounty,Tennessee.FORPRIOR TITLE, see Deed recorded in Book 8458, Page 873, in the Regis-ter’sOfficeofHamiltonCounty,Tennessee.THISCONVEYANCEMADESUBJECT TO THE FOLLOWING: Restrictions as set out in instrument recorded in Book 5138, Page 461, as amended in Book 6121, Page 456, intheRegister’sOfficeofHamiltonCounty,Tennessee,butomittinganycovenant or restriction based on race, color, religion, sex, handicap, famil-ial status or national origin unless and only to the extent that said covenant (a) is exempt under Chapter 42, Section 3607, of the United States Code of (b) relates to handicap but does not discriminate against handicapped persons. Building setback lines as shown, described or noted by recorded plat. Conditions and easements contained in document of record in Book 2116,Page186,intheRegister’sOfficeofHamiltonCounty,Tennessee.Any governmental zoning and subdivision ordinances in effect thereon. All notes, stipulations, restrictions, easements, conditions, and regulations as set out on recorded plat. Parcel Number: 067H B 010 Current Owner(s) of Property: Tessa Noel Nichols, unmarried Street Address: 1152 Stormy Ridge Drive, Soddy Daisy, Tennessee 37379 Any property address pro-vided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bankcheckmadepayable toorendorsed toShapiro&Kirsch,LLP. No personal checks will be accepted. To this end, you must bring suf-ficientfundstooutbidthelenderandanyotherbidders.Insufficientfundswill not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that thesaleissubjecttoconfirmationbythelenderortrustee.Thissalemaybe rescinded at any time. Shapiro & Ingle, LLP Substitute Trustee Law OfficeofShapiro&Ingle,LLP555PerkinsRoadExtended,SecondFloorMemphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.auc-tion.com File No. 14-062820 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 24, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Joe W. Phillips aka Joseph W. Phillips, Jr., and Nichole Brobst Phillips aka Nicole B. Phillips, husband and wife, to Milligan Reynolds Guaranty Title Agency Inc., Trustee, on December 15, 2005 at Book GI 7784, Page 6; all of record in the Hamilton County Reg-ister’sOffice.Partyentitledtoenforcesecurity interest:NationstarMort-gage LLC, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Described property located in Hamilton County, Tennessee, and being more particu-larly described in deed of record in Book GI 7784, Page 6; in the Regis-ter’sOfficeofHamiltonCounty,TennesseeParcelNumber:029025.04Current Owner(s) of Property: Joseph W. Phillips, Jr. aka Joe W. Phillips Street Address: 5931 Sam Smith Road, Birchwood, Tennessee 37308 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal descrip-tion referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and

otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of theauctionintheformofacertified/bankcheckmadepayabletooren-dorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted. Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amounts receivedin excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject to confirmation bythe lender or trustee. This sale may be rescinded at any time. Shapiro & Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555Per-kins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 08-005066 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 26, 2015 at 12:00AM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Denisha Leftwich, unmarried, and Lakesha Left-wich, unmarried, to Matt B. Murfree, Trustee, on August 8, 2008 at Book GI 8737, Page 227, Instrument No. 2008081200117; all of record in the HamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurityinter-est: U.S. Bank Trust, N.A., as Trustee for LSF9 Master Participation Trust, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all un-paid taxes, prior liens and encumbrances of record: All that tract or parcel of land lying and being in the Second Civil District, Hamilton County, Ten-nessee, being further described as follows: The Southern One-half (1/2) of that portion of Tract Five (5) of the Subdivision of the Lethia Douglas 16.1 acre tract as shown on plat recorded in Book S, Volume 21, Page 26,Register’sOfficeofHamiltonCounty,Tennessee.Forprior titleseedeed dated October 31, 2006 and recorded November 2, 2006 in Book 8135,Page880,intheRegister’sOfficeofHamiltonCounty,Tennessee.SUBJECT TO Any Governmental zoning and subdivision ordinances and regulations in effect thereon. SUBJECT TO All easements, rights of way, protective covenants and mineral reservations of record, if any. Parcel Number: 169C-A-021.01 Current Owner(s) of Property: Denisha Leftwich, unmarried, and Lakesha Leftwich, unmarried Street Address: 1012 Mc-Brien Road, Chattanooga, Tennessee 37412 Any property address pro-vided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bankcheckmadepayable toorendorsed toShapiro&Kirsch,LLP. No personal checks will be accepted. To this end, you must bring suf-ficientfundstooutbidthelenderandanyotherbidders.Insufficientfundswill not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that thesaleissubjecttoconfirmationbythelenderortrustee.Thissalemaybe rescinded at any time. Shapiro & Ingle, LLP Substitute Trustee Law OfficeofShapiro&Ingle,LLP555PerkinsRoadExtended,SecondFloorMemphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirs-chattorneys.com File No. 14-056813 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 24, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Judith A. Anderson aka Judith Anderson, an unmarried woman, to FMLS, Inc., Trustee, on May 27, 2004 at Book GI7152,Page869;allof record in theHamiltonCountyRegister’sOf-fice.Party entitled to enforce security interest: JPMorganChaseBank,National Association, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: TheWest 115 feet of Lot 76,West part ofH.Scholze’sAddition toSt.Elmo,asshownbyplatofrecordinPlatBook5,page30,intheRegister’sOfficeofHamiltonCounty,Tennessee.REFERENCEismadeforpriortitletoDeedofrecordinBook6303,page317,refiledinBook6760,page359,intheRegister’sOfficeofHamiltonCounty,Tennessee.Commonlyknownas: 5008 St. Elmo Avenue, Chattanooga, TN 37409 SUBJECT TO right of way granted to Lookout Mountain Railway as set out in Book I, Volume 3, page512,intheRegister’sOfficeofHamiltonCounty,Tennessee,andasshown on recorded plat. Parcel Number: 167J-C-017.00 Current Owner(s) of Property: Judith Anderson, unmarried Other interested parties: City of Chattanooga, AmSouth Bank Street Address: 5008 Saint Elmo Avenue, Chattanooga, Tennessee 37409 Any property address provided is not

part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 15-063297 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 26, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Aljon Dale Bradley and wife, Dianne M. Bradley, to Thomas F. Baker, IV, Trustee, on July 12, 1989 at Book 3631, Page974;allofrecordintheHamiltonCountyRegister’sOffice.Partyen-titled to enforce security interest: Regions Bank DBA Regions Mortgage, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: BEGINNING at a pointintheWesternlineofHighlandWay,OneHundredTwenty-five(125)feet South of Ely Road; running thence Southwardly along Highland Way, Twenty-seven (27) feet to an iron pin in the Northwestern line of Easy Street; thence Southwestwardly along said Easy Street, One Hundred Thirty-seven (137) feet to a point; thence Northwestwardly, One Hundred Twenty-seven (127) feet, more or less, to a point in the Southern line of Lot Two (2) of the Laura Gray Tract; thence Eastwardly along the Southern line of Lots Two (2) and Three (3), One Hundred Fifty (150) feet to the point of beginning, being sometimes known as Lot Four (4), Block Eight (8), Laura Gray Tract. Parcel Number: 109K E 029 Current Owner(s) of Property: Aljon Dale Bradley and wife, Dianne M. Bradley Street Address: 1326 Easy Lane, Chattanooga, Tennessee 37415 Secondary Property Address: 1326 Easy Lane, Hixson, TN 37343 Any property address pro-vided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bankcheckmadepayable toorendorsed toShapiro&Kirsch,LLP. No personal checks will be accepted. To this end, you must bring suf-ficientfundstooutbidthelenderandanyotherbidders.Insufficientfundswill not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that thesaleissubjecttoconfirmationbythelenderortrustee.Thissalemaybe rescinded at any time. Shapiro & Ingle, LLP Substitute Trustee Law OfficeofShapiro&Ingle,LLP555PerkinsRoadExtended,SecondFloorMemphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirs-chattorneys.com File No. 14-062367 HCH3T-1/30,2/6,2/13/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 20, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Dawn L. Schussler and husband, David Lee Schussler, to First Title Insurance, Trustee, on April 6, 2006 at Book GI 7900,Page346;allof record in theHamiltonCountyRegister’sOffice.Party entitled to enforce security interest: U.S. Bank National Associa-tion (as successor-in-interest to Bank of America, N.A., as successor by merger to LaSalle Bank National Association), as trustee, on behalf of the holders of the GSAMP Trust 2006-HE4 Mortgage Pass-Through Cer-tificates,Series2006-HE4,itssuccessorsandassignsThefollowingrealestate located in Hamilton County, Tennessee, will be sold to the high-est call bidder subject to all unpaid taxes, prior liens and encumbrances of record: LOCATED IN THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: Lot Seventy (70), Eastland Estates, Unit Two (2), asshownbyplatofrecord inPlatBook29,page256, intheRegister’sOfficeofHamiltonCounty,Tennessee.ParcelNumber:172AC034Cur-rent Owner(s) of Property: Dawn L. Schussler and husband, David Lee Schussler Street Address: 9333 Charbar Circle, Chattanooga, Tennes-see 37421 Any property address provided is not part of the legal descrip-tion of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at theconclusionoftheauctionintheformofacertified/bankcheckmadepayable to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.To this end, youmust bring sufficient funds to outbidthelenderandanyotherbidders.Insufficientfundswillnotbeaccepted.Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject toconfirmationby the lenderor trustee.Thissalemaybe rescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle, LLP 555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 09-021765 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Feb-ruary 12, 2015 at 10:00AM local time, at the west door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402 pursuant to Deed of Trust executed by Daniel Bastnagel and Kristie Bastnagel, husband and wife, to Jon M. Ahern, Trustee, as trustee for Numerica Mortgage, LLC on June 3, 2008 at Book GI 8683, Page 544, Instrument No. 2008060400256; conducted by Shapiro & Ingle, LLP having been appointed Substitute or Successor Trustee, all of record in the Hamilton County Register’s Office. Default has occurred in the performance ofthe covenants, terms, and conditions of said Deed of Trust and the en-tire indebtedness has been declared due and payable. Party Entitled to Enforce the Debt: Wells Fargo Bank, NA, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder: Described property located at Hamilton County, Tennessee, to wit: IN THE THIRD CIVIL DISTRICT OF HAMIL-TON COUNTY, TENNESSEE: TRACT ONE (1): The Northwestern Two Hundred Twenty (220) feet of the Northeastern Three Hundred Ninety-Six (396) feet of Lot Eighty-Nine (89), Chattanooga Garden Farms, as shownbyplatofrecordinPlatBook6,Page30,intheRegister’sOfficeof FHamilton County, Tennessee. According to said plat said part of lot is more particularly described as follows: BEGINNING at the most Northern corner of said lot, said point being the most Eastern corner of Lot Eighty-Eight (88) of said subdivision; thence Southwestwardly, along the dividing line between Lots 88 and 89, 396 feet to a point; thence Southeastwardly, at right angles, 220 feet to a point; thence Northeastwardly, and parallel tothefirst linehereindescribed,396feettoapoint intheNortheasternline of said lot; thence Northwestwardly, along said line, 220 feet to the point of beginning. SUBJECT TO AND TOGETHER WITH a 12-foot right of way for ingress and egress as shown in Deed Book 2532, Page 84, in the Register’s Office of Hamilton County, Tennessee. SUBJECTTOany Governmental Zoning and Subdivision Ordinances or Regulations in effect thereon. SUBJECT TO any Covenants, Conditons, Restrictions, Reservations, or Easements of record. IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: TRACT TWO (2): Being the SoutheastTwenty-five(25)feetofTractOne(1),asshownoncorrectiveplat of lot Eighty-eight (88), Chattanooga Garden Farm, as shown by plat recordedInPlatBook28,Page103,intheRegister’sOfficeofHamiltonCounty, Tennessee, said part of Tract One (1) being further described as follows:?BEGINNINGattheSoutheastcornerofsaidTractOne(1),North29 degrees 10 minutes East 260.27 feet to a point in the North line thereof;

thence with the said North line, South 60 degrees 50 minutes East 25 feet to the Northeast corner thereof; thence with the East line of Tract One (1), South 29 degrees 10 minutes West 266.15 feet to the point of beginning. SUBJECT TO any Governmental Zoning and Subdivision Ordinances or Regulations in effect thereon. SUBJECT TO any Covenants, Condi-tions, Restrictions, Reservations, or Easements of record. FOR PRIOR DEEDREFERENCESEEBOOK5917,PAGE709INTHEREGISTER’SOFFICEOFHAMILTONCOUNTY, TENNESSEE.?TAX ID#074N-A-023PROPERTY ADDRESS 8706 Walnut Road Hixson, TN 37343 Street Ad-dress: 8706 Walnut Road, Hixson, Tennessee 37343 Parcel Number: 074N A 023 Current Owner(s) of Property: Daniel Bastnagel, married The street address of the above described property is believed to be 8706 Walnut Road, Hixson, Tennessee 37343, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. This sale is subject to all mat-ters shown on any applicable recorded plat any unpaid taxes; and any restrictive covenants, easements, or setback lines that may be applicable; any statutory right of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by afixturefiling;andtoanymatterthatanaccuratesurveyofthepremisesmight disclose. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.ThissalemayberescindedbytheSubstituteTrusteeatanytime.Thisofficemaybeadebtcollector. This may be an attempt to collect a debt and any information obtained may be used for that purpose. Shapiro & Ingle, LLP Substitute TrusteeLawOfficeofShapiro&Ingle,LLP555PerkinsRoadExtended,Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.auction.com File No. 14-062194 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 20, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by John Evans and Mekesha Evans, husband and wife, to Stanley M. Porter, Sr., Trustee, on November 6, 2003 at Book GI6925, Page 31, Instrument No. 2003111000010; all of record in the HamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurityinter-est: The Bank of New York Mellon, successor trustee to JPMorgan Chase Bank, N.A., as trustee on behalf of the registered holders of Bear Stearns Asset Backed Securities 2006-SD3, Asset-Backed Certificates, Series2006-SD3, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Described property located in Hamilton County, Tennessee, and being more particu-larly described in deed of record in Book GI6925, Page 31, Instrument No. 2003111000010;intheRegister’sOfficeofHamiltonCounty,TennesseeParcel Number: 023J-A-008.00 Current Owner(s) of Property: John Evans and wife, Mekesha Evans Other interested parties: LVNV Funding LLC Assignee of Citibank Street Address: 5415 Johnson Road, Birchwood, Tennessee 37308 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 13-055436 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 27, 2015 on or about 11:00AM local time, at the Main door of the Hamilton County Courthouse, Chattanooga, Tennessee, conducted by the SubstituteTrustee as identified and set forth herein below, pursuant toDeed of Trust executed by PAULINE WRIGHT, to ARNOLD M. WEISS, Trustee, on February 22, 2007, at Record Book GI 8277, Page 827 as Instrument No. 2007032000270 in the real property records of Hamilton CountyRegister’sOffice,Tennessee.OwnerofDebt:HSBCBANKUSA,N.A., AS INDENTURE TRUSTEE FOR THE REGISTERED NOTEHOLD-ERS OF RENAISSANCE HOME EQUITY LOAN TRUST 2007-1 The fol-lowing real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encum-brances of record: A CERTAIN TRACT OR PARCEL OF LAND IN HAM-ILTON COUNTY, STATE OF TENNESSEE, DESCRIBED AS FOLLOWS, TO-WIT: LOT NO. TWENTY - EIGHT (28), ACCORDING TO THE PLAT OF FOXWOOD HEIGHTS, AS THE SAME APPEARS OF RECORD IN PLAT BOOK 14, PAGE 39, OF THE REGISTERS OFFICE OF HAMIL-TON COUNTY, TENNESSEE. ACCORDING TO SAID PLAT LOT IS DE-SCRIBED AS: BEGINNING AT THE NORTHWEST CORNER OF SAID LOT IN THE EASTERN LINE OF MCCORD AVENUE ONE HUNDRED FIFTEEN AND 04/100 (115.04) FEET MORE OR LESS, SOUTHWARDLY ALONG SAID LINE FROM RADIUS POINT AT ITS INTERSECTION WITH WILCOX BOULEVARD; THENCE SOUTHWARDLY ALONG THE CURVED EASTERN LINE OF MCCORD AVENUE ONE HUNDRED TEN AND 05/100 (110.05) FEET TO THE NORTHWEST CORNER OF LOT TWENTY - SEVEN (27) ON SAID PLAT; THENCE EASTWARDLY ALONG THE NORTHWEST CORNER OF LOT TWENTY-SEVEN (27) AND TWENTY-EIGHT (28), A DISTANCE OF ONE HUNDRED THIRTY (130) FEET TO THE EASTERN LINE OF FOXWOOD HEIGHTS PLAT; THENCE NORTHWARDLY ALONG THE EASTERN LINE OF FOX-WOOD HEIGHTS PLAT ONE HUNDRED (100) FEET TO THE SOUTH-EAST CORNER OF LOT TWENTY - NINE (29) ON SAID PLAT; WHICH CORNER IS SEVENTY - TWO AND 5/10 (72.5) FEET SOUTHWARDLY ALONG THE EASTERN LINE OF FOXWOOD HEIGHTS PLAT FROM THE NORTHEAST CORNER OF SAID PLAT; THENCE WESTWARDLY ALONG THE LINE DIVIDING SAID LOTS TWENTY-EIGHT (28) AND TWENTY -NINE (29), A DISTANCE OF ONE HUNDRED SEVENTY AND 4/10 (170.4) FEET TO THE BEGINNING. Tax ID: 147AJ019 Current Owner(s) of Property: PAULINE WRIGHT The street address of the above described property is believed to be 1208 MCCORD AVENUE, CHAT-TANOOGA, TN 37404, but such address is not part of the legal descrip-tion of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION. THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICATION, UPON AN-NOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TRUSTEE/SUBSTITUTE TRUSTEE RESERVES THE RIGHT TO RESCIND THE SALE. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE DEPOSIT PAID. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE. OTHER INTERESTED PARTIES: JUDG-MENT IN FAVOR OF CHAMPION WINDOW CO. OF CHATTANOOGA . LLC,A DELAWARE LLC, D/B/A CHAMPION THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. If applicable, the notice requirements of T.C.A.




35-5-117 have been met. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the Sale will be subject to the applicable governmental entities’righttoredeemthepropertyasrequiredby26U.S.C.7425andT.C.A. §67-1-1433. This property is being sold with the express reserva-tionthatthesaleissubjecttoconfirmationbythelenderortrustee.Thissale may be rescinded at any time. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, theMortgageeortheMortgagee’sattorney.MWZMFileNo.14-006278-670 JASON S. MANGRUM, J.P. SELLERS, LORI LIANE LONG, Substi-tute Trustee(s) PREMIER BUILDING, SUITE 404 5217 MARYLAND WAY BRENTWOOD, TN 37027 PHONE: (615) 238-3630 EMAIL: [email protected] BCNS77610 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 27, 2015 on or about 11:00AM local time, at the Main door of the Hamilton County Courthouse, Chattanooga, Tennessee, conducted by the SubstituteTrustee as identified and set forth herein below, pursuant toDeed of Trust executed by SHARAN M. LEE AND BOBBY L. LEE, to TITLE ENTERPRISE, Trustee, on September 15, 2004, at Record Book GI 7295, Page 631 as Instrument No. 2004100400382 in the real property recordsofHamiltonCountyRegister’sOffice,Tennessee.OwnerofDebt:THE BANK OF NEW YORK MELLON F/K/A THE BANK OF NEW YORK AS SUCCESSOR TRUSTEE FOR JPMORGAN CHASE BANK, N.A., AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATEHOLDERS OF POPULAR ABS, INC. MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2005-1 The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: A CERTAIN TRACT OR PARCEL OF LAND LOCATED IN HAMILTON COUNTY, TENNESSEE, DESCRIBED AS FOLLOWS TO-WIT: BEING LOT NO. 52, NORTH CHESTER SUBDIVISION, OF RECORD IN PLAT BOOK 27, PAGE 131, REGISTER`S OFFICE FOR HAMILTON COUNTY, TENNESSEE, TO WHICH SAID PLAN REFERENCE IS HEREBY MADE FOR A MORE COMPLETE AND ACCURATE LEGAL DESCRIPTION THEREOF. BE-ING THE SAME PROPERTY CONVEYED TO BOBBY L. LEE AND WIFE, SHARAN M. LEE FROM CHARLES A. THOMAS, JR. AND WIFE, WIN-IFRED J. THOMAS BY WARRANTY DEED DATED JUNE 6, 1997 AND RECORDED JUNE 9, 1997 IN BOOK 4884, PAGE 314, REGISTER`S OF-FICE FOR HAMILTON COUNTY. Tax ID: 074M A 010 Current Owner(s) of Property: SHARAN M. LEE AND BOBBY L. LEE The street address of the above described property is believed to be 1617 N Chester Road, Hixson, TN 37343, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the le-gal description referenced herein shall control. SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION. THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICATION, UPON AN-NOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TRUSTEE/SUBSTITUTE TRUSTEE RESERVES THE RIGHT TO RESCIND THE SALE. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE DEPOSIT PAID. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE. OTHER INTERESTED PARTIES: MICHIGAN FIDELITY ACCEPTANCE CORPORATION JUNIOR DOT AND JUDGMENT IN FAVOR OF LVNV FUNDING THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. If applicable, the notice requirements of T.C.A. 35-5-117 have been met. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and con-vey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the Sale will be subject to the applicable governmental entities’righttoredeemthepropertyasrequiredby26U.S.C.7425andT.C.A. §67-1-1433. This property is being sold with the express reserva-tionthatthesaleissubjecttoconfirmationbythelenderortrustee.Thissale may be rescinded at any time. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, theMortgageeortheMortgagee’sattorney.MWZMFileNo.14-006239-670 JASON S. MANGRUM, J.P. SELLERS, LORI LIANE LONG, Substi-tute Trustee(s) PREMIER BUILDING, SUITE 404 5217 MARYLAND WAY BRENTWOOD, TN 37027 PHONE: (615) 238-3630 EMAIL: [email protected] BCNS77622 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 27, 2015 on or about 11:00AM local time, at the Main door of the Hamilton County Courthouse, Chattanooga, Tennessee, conducted by the Substitute Trustee as identified and set forth herein below, pursu-ant to Deed of Trust executed by SEAN L MILLER AND JONATHAN C MILLER, to FIRST CHOICE TITLE INC, Trustee, on December 13, 2006, at Record Book GI 8182, Page 424 as Instrument No. 2006121500003 in the realproperty recordsofHamiltonCountyRegister’sOffice,Tennes-see. Owner of Debt: DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR MORGAN STANLEY ABS CAPITAL I INC. TRUST 2007-NC2 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-NC2 The following real estate located in Hamilton County, Ten-nessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE SECOND CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE, BEING THE SOUTH 60 FEET OF THE NORTH 180 FEET OF THE WESTERN 110 FEET OF THE 6 ACRE TRACT CONVEYED TO G.W ARMOUR BY D.C MERRILLE, WIDOW, BY DEED DATED APRIL 14,1916, AND BEING DESCRIBED AS THE SOUTH 24 POLES OF THE NORTH 54 POLES OF THE EAST HALF OF THE SOUTHWEST QUARTER OF THE NORTHWEST QUARTER OF SECTION 32, TOWNSHIP 6, NORTH OR SOUTH, RANGE 3, WEST OF THE BASIS LINE IN THE OCOEE DISTRICT, MAKING A LOT OR TRACT OF GROUND 60 FEET WIDE, NORTH AND SOUTH BY 110 FEET DEEP. EAST AND WEST; EXCEPTING THE EAST 10 FEET OF SAID LOT TO BE USED FOR ROADWAY PURPOSES. BEING THE SAME PROPERTY CONVEYED BY WARRANTY DEED RECORDED IN BOOK 8182 PAGE 422, IN THE REGISTER`S OFFICE OF HAMILTON COUNTY, TENNES-SEE. Tax ID: 169G B 038 Current Owner(s) of Property: SEAN L MILLER AND JONATHAN C MILLER The street address of the above described property is believed to be 1305 BOYD STREET , CHATTANOOGA, TN 37412, but such address is not part of the legal description of the prop-erty sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION. THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CER-TAIN WITHOUT FURTHER PUBLICATION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TRUSTEE/SUBSTITUTE TRUSTEE RESERVES THE RIGHT TO RE-SCIND THE SALE. IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE DEPOSIT PAID. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE TRUSTEE. OTHER INTERESTED PARTIES: JUDGMENT IN FAVOR OF CAPITAL ONE BANK (USA), N.A., AS ASSIGNEE OF POE: ADMAN ELECTRIC CO. INC THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. If applicable, the notice requirements of T.C.A. 35-5-117 have been met. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Depart-ment of Labor or Workforce Development are listed as Interested Parties

in the advertisement, then the Notice of this foreclosure is being given to themandtheSalewillbesubjecttotheapplicablegovernmentalentities’right to redeem the property as required by 26 U.S.C. 7425 and T.C.A. §67-1-1433. This property is being sold with the express reservation that thesaleissubjecttoconfirmationbythelenderortrustee.Thissalemaybe rescinded at any time. If the sale is set aside for any reason, the Pur-chaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the MortgageeortheMortgagee’sattorney.MWZMFileNo.14-000673-670JASON S. MANGRUM, J.P. SELLERS, LORI LIANE LONG, Substitute Trustee(s) PREMIER BUILDING, SUITE 404 5217 MARYLAND WAY BRENTWOOD, TN 37027 PHONE: (615) 238-3630 EMAIL: [email protected] BCNS77612 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Feb-ruary 26, 2015 at 10:00AM local time, at the west door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402, pursuant to Deed of Trust executed by Anita Diane Miller and husband, William Lacy Linebarger, to John T. Flaugher, Trustee, on April 20, 2001 at Book GI5841,Page664;modified inBookGI7292,Page597;allof recordintheHamiltonCountyRegister’sOffice.Partyentitledtoenforcesecu-rity interest: GSMPS Mortgage Loan Trust 2005-RP2, Mortgage Pass-ThroughCertificates,Series2005-RP2,U.S.BankNationalAssociation,as Trustee, Successor-in-Interest to Wachovia Bank National Association, as Trustee, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder sub-ject to all unpaid taxes, prior liens and encumbrances of record: The Civil District of Hamilton County, Tennessee: BEING Lot Number One-A (1-A), Sliger Subdivision, as shown by Plat of record in Plat Book 30, Page 320, intheRegister’sOfficeofHamiltonCounty,Tennessee,resubdivisionofLot One (1), as shown by Plat of record in Plat Book 15, page 89, in the saidRegister’sOffice.ParcelNumber:109PE019CurrentOwner(s)ofProperty: Anita Diane Miller and husband, William Lacy Linebarger Other interested parties: Velocity Investments LLC assignee of CITIBANK c/o McLemore & Edington, PLLC, CITIBANK SOUTH DAKOTA, N.A. c/o John M. Richardson, Jr., P.C. Street Address: 111 West Leawood Avenue, Chattanooga, Tennessee 37415 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.auction.com File No. 14-062035 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 17, 2015 at 12:00 PM local time, at the Davidson County Courthouse, South Main door, One Public Square, Chattanooga, Tennessee, pursu-ant to Deed of Trust executed by Terry Stocks, an unmarried person, to Larry A. Weissman, Trustee, on May 1, 2007 at Instrument No. 20070517-0058826; all of record in theDavidsonCountyRegister’sOffice. Partyentitled to enforce security interest: Nationstar Mortgage LLC, its succes-sors and assigns The following real estate located in Davidson County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Land lying in Davidson County, Tennessee, described as follows, to-wit: Land in the 11th Civil District of Davidson County, Tennessee. Being a part of Lot No. 1 Block ”L”on thePlanofWoodlawnEstates,of record inBook843,page82,Register’sOfficeforsaidCounty,anddescribedinthreeseparatetractsby William C. Parrish, Surveyor as follows: Tract No. 2; beginning at the northeast corner of Tract No. 1 at the margin of Duling Avenue; thence south86degrees11’East58.8feettoanironstake;thencesouth3de-grees45’west225feettoanironstake;thencenorth86degrees13’west58.8feettoanironstake;thencenorth3degrees45’East225feettothepoint of beginning. Being the same property conveyed to Terry Ray Stocks from Jerry Shrum and wife, Joyce Shrum by deed dated May 1st, 2007 of record inBook20070517-0058825, page , saidRegister’sOffice.Parcel Number: 043 09 0 324.00 Current Owner(s) of Property: Terry Ray Stocks aka Terry Stocks Street Address: 334 Duling Avenue, Madison, Tennessee 37115 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-062529 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 17, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Natalie Cooper and Husband, Kenneth A. Cooper, to Equititle Inc., Trustee, on July 22, 2003 at Book GI 6784, Page 826;allofrecordintheHamiltonCountyRegister’sOffice.Partyentitledto enforce security interest: CitiMortgage, Inc., its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: LOT EIGHTEEN (18), BLOCK FIFTEEN (15), BILTMORE ESTATES EXTENSION, as shown by plat recorded in Plat Book14,Page78,intheRegister’sOfficeOfHamiltonCounty,Tennes-see. Being the same property conveyed to Kenneth A. Cooper and wife, Natalie Cooper by Deed from R. Mark Payton and wife, Lisa D. Payton, dated03/05/93,andrecordedinBook4118,Page535,intheRegister’sOfficeofHamiltonCounty,Tennessee.SUBJECTTOAnyexistingease-ments, restrictions or right of ways. SUBJECT TO Any governmental zon-ing and subdivision ordinances or regulations in effect thereon. Parcel Number: 157C H 009 Current Owner(s) of Property: Kenneth A. Cooper and wife, Natalie Cooper Other interested parties: North Star Capital Ac-quisition, LLC c/o Shon Leverett Street Address: 718 Woodvale Avenue, Chattanooga, Tennessee 37411 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 09-017235 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE WHEREAS, default having been made in the payment of the debts and obligations secured by a Deed of Trust executed on November 13, 2007, by Patsy R Vironet to Robert M. Wil-son,Trustee, for the benefit ofCountrywideBank, FSB and appearingof record in Register’s Office of Hamilton County, Tennessee, in BookGI8533,Page644;andWHEREAS,thebeneficialinterestofsaidDeedofTrust was last transferred and assigned to Federal National Mortgage As-sociation(”FNMA”)andWHEREAS,FederalNationalMortgageAssocia-tion(”FannieMae”),acorporationorganizedandexistingunderthelawsof the United States of America, as the holder of the Note for which debt isowed,(“NoteHolder”),appointedtheundersigned,PriorityTrusteeSer-vicesofTN,LLC,asSubstituteTrusteebyinstrumentfiledortobefiledforrecordintheRegister’sOfficeofHamiltonCounty,Tennessee,withalltherights, powers and privileges of the original Trustee named in said Deed of Trust; and WHEREAS, pursuant to Tenn. Code Ann. § 35-5-117, not less thansixty(60)dayspriortothefirstpublicationrequiredby§35-5-101,the notice of the right to foreclose was properly sent, if so required; and NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Note Holder, and that the undersigned, Priority Trustee Services of TN, LLC, Substitute Trustee, or its duly appointed attorneys or agents, by vir-tue of the power and authority vested in it, will on Thursday, February 19, 2015, commencing at 11:00 a.m. at the Main Door (Walnut Street side) of the Hamilton County Courthouse location in Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following de-scribed property situated in Hamilton County, Tennessee, to wit: The land referred to in this policy is situated in the State of TN, County of Hamilton, City of Chattanooga and described as follows: The following described real estate, situate, lying, and being in the County of Hamilton, State of Tennessee, to wit: Situated in the First Civil District of Hamilton County, Tennessee, within the corporate limits of the City of Chattanooga, Tennes-see being known and designated as all of Lot Six (6) Block 11, Corrected Plat of Biltmore Estates Extension, as shown by plat of record in Plat Book 14, Page 78, in the Register’s Office of Hamilton County, Tennessee.Being the same parcel conveyed to Patsy R. Vironet from Mel Martinez by virtue of a deed dated October 7, 2003 recorded October 14, 2003 in Deed Book GI 6894, Page 57 Document No. 2003101400247 in Hamilton County, Tennessee. With the appurtenances thereto Apn: 157C F 007 00 000 PROPERTY ADDRESS: 603 Woodvale Avenue, Chattanooga, TN 37411 CURRENT OWNER(S): Patsy R Vironet The sale of the above-described property shall be subject to all matters shown on any recorded plan; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and anymatter that an accuratesurvey of the premises might disclose. Substitute Trustee will only convey any interest he/she may have in the property at the time of sale. Property issold“asis,whereis.”SUBORDINATELIENHOLDERS:DiscoverBankc/o Zwicker & Associates PC For every lien or claim of lien of the state identifiedabove,pleasebeadvisednoticerequiredby§67-1-1433(b)(1)was timely given and that any sale of the property herein referenced will be subject to the right of the state to redeem the land as provided for in § 67-1-1433(c)(1). All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. PRIORITY TRUSTEE SERVICES OF TN, LLC 1587 Northeast Express-way Atlanta, Georgia 30329 Web Site: www.rcolegal.com TS#: 1R443314 FEI # 2013.02550 01/23/2015, 01/30/2015, 02/06/2015

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 17, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Tammy S. Millsaps, a single woman, to Wes-ley D. Turner, Trustee, on April 25, 2005 at Book GI 7515, Page 335; all of recordintheHamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurity interest:WellsFargoBank,N.A.,asTrustee for thecertificate-holdersofAsset-BackedPass-ThroughCertificates,Series2005-WCW2,its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Lot 7, Bill Swartz Subdivision as shown by plat of record in Plat Book 61, Page 311, in the Register’s Office of Hamilton County, Tennessee, to which plat refer-ence is hereby made for a more particular description of said lot. Parcel Number: 069 032.21 Current Owner(s) of Property: Tammy S. Millsaps, a single woman Street Address: 6731 Cooley Road, Harrison, Tennessee 37341 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the le-gal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. SALE IS SUBJECT TO ANY INTEREST THAT MAY EXIST IN UNRELEASED DEED OF TRUST OF RECORDATBOOKGI7403,PAGE983,INTHEREGISTER’SOFFICEOF HAMILTON COUNTY, TENNESSEE. THERE MAY BE A MANUFAC-TURED HOME LOCATED UPON THE ABOVE- DESCRIBED PROPER-TY WHICH MAY OR MAY NOT BE PERMANENTLY AFFIXED TO SAID PROPERTY. IN THE EVENT IT IS DETERMINED THAT THE MANU-FACTURED HOME IS NOT PERMANENTLY AFFIXED TO THE PROP-ERTY, IT SHALL BE THE RESPONSIBILITY OF THE PURCHASER TO UNDERTAKE ANY AND ALL LEGAL STEPS NECESSARY TO OBTAIN TITLE TO SAID MANUFACTURED HOME. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-061244 HCH3T_1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 17, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Brandy Hankins, unmarried and Christopher L. Lockey, unmarried, to Larry A. Weissman, Trustee, on December 29, 2006 at Book GI 8205, Page 692; all of record in the Hamilton County Register’sOffice.Partyentitledtoenforcesecurity interest:FederalNa-tionalMortgageAssociation(”FannieMae”),acorporationorganizedandexisting under the laws of the United States of America, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: IN THE THIRD CIVIL DISTRICT Of HAMIL-TON COUNTY, TENNESSEE: Lot Twenty-one (21), First Addition of Port Serena Village, as shown by plat of record in Plat Book 21, Page 8, in the Register’sOfficeofHamiltonCounty,Tennessee.Beingthesamepropertyconveyed to Billie Eunice Kokenzie, a single person, by Warranty Deed from Cora Cleo Antle, joined by husband, James Hinnard, dated Septem-ber 22, 2004 and recorded in Book 7283, Page 836, in theRegister’sOfficeofHamiltonCounty,Tennessee.Seealso,AffidavitbeingrecordedsimultaneouslyherewithintheRegister’sOfficeofHamiltonCounty,Ten-nessee. Covenants, Conditions, and Restrictions as set out in instrument recordedinBook1403,Page487,asmodifiedinBook1449,Page288,insaidRegister’sOfficeofHamiltonCounty,Tennessee,butomittinganycovenant or restriction based on race, color, religion, sex, handicap, famil-ial status or national origin unless and only to the extent that said covenant (a) is exempt under Chapter 42, Section 3607, of the United States Code or (b) relates to handicap but does not discriminate against handicapped persons. Sixteen (16) foot utility easement as shown by dotted lines on recorded plat. Conditions and easements contained in document of re-cordinBook2116,Page186,intheRegister’sOfficeofHamiltonCounty,Tennessee. Any governmental zoning and subdivision ordinances in ef-fect thereon. All notes, stipulations, restrictions, easements, conditions, and regulations as set out on recorded plat. Parcel Number: 083N B 015 Current Owner(s) of Property: Chris Lockey aka Christopher L. Lockey,

unmarried Street Address: 1906 East Crabtree Road, Hixson, Tennessee 37343 Secondary Property Address: 1906 Crabtree Road, Hixson, TN 37343 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the le-gal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at theconclusionoftheauctionintheformofacertified/bankcheckmadepayable to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.To this end, youmust bring sufficient funds to outbidthelenderandanyotherbidders.Insufficientfundswillnotbeaccepted.Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject toconfirmationby the lenderor trustee.Thissalemaybe rescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle, LLP 555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-062382 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 17, 2015 at 12:00 PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Patricia A. Russell, single, to Maria Bingham, Trustee, on May 4, 2007 at Book GI 8331, Page 314; all of record in the HamiltonCountyRegister’sOffice.Partyentitledtoenforcesecurityinter-est: CitiFinancial Servicing LLC, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the high-est call bidder subject to all unpaid taxes, prior liens and encumbrances of record: ALL THAT CERTAIN PARCEL OF LAND IN, HAMILTON COUNTY, STATE OF TN, AS MORE FULLY DESCRIBED IN BOOK GI 6900 PAGE 592 ID#136M-E-008, BEING KNOWN AND DESIGNATED AS LOT NOS. 4 AND 5, BLOCK 1 ARLINGTON HEIGHTS ADDITION, FILED IN PLAT BOOK 5 AT PAGE 21. Parcel Number: 136M E 008 Current Owner(s) of Property: Patricia A. Russell Street Address: 1304 Dodson Avenue, Chattanooga, Tennessee 37406 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901) 761-5690 www.kirschat-torneys.com File No. 14-062221 HCH3T-1/23,1/30,2/6/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated July 14, 2003, and the Deed of Trust of even date securing the same, recorded July 22, 2003, in Book No. GI 6773, at Page 229, inOfficeof theRegisterofDeeds forHamiltonCounty,Tennessee,ex-ecuted by Linda Hansen, conveying certain property therein described to NO TRUSTEE ON DEED OF TRUST as Trustee for Mortgage Electronic Registration Systems, Inc., as nominee for Franklin American Mortgage Company; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by Wells Fargo Bank, N.A. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and author-ity vested in and imposed upon said Successor Trustee, by Wells Fargo Bank, N.A., will, on March 26, 2015 on or about 10:00 AM, at the Hamil-ton County Courthouse, West Door, 615 Walnut Street, Chattanooga, TN 37402, offer for sale certain property hereinafter described to the highest bidderFORcertified funds paid at the conclusion of the sale, or creditbid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: Lot Twenty-Six, Autumnchase Subdivision, as shown by Plat Recorded in Plat Book43,Page63,intheRegister’sOfficeofHamiltonCounty,Tennessee.ALSO KNOWN AS: 8211 Fallen Maple Drive, Chattanooga, TN 37421-1243 This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances aswellasanyprioritycreatedbyafixturefiling;andtoanymatterthatanaccurate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: HAN-SEN, LINDA; JPMORGAN CHASE BANK, NA The sale held pursuant to thisNoticemaybe rescindedat theSuccessorTrustee’s optionat anytime. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 248513 DATED January 12, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 481-2397920-703 FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 24, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Thomas Westberry and Barbara West-berry, to Arnold M. Weiss, Trustee, on September 19, 2008 at Book GI 8767,Page556;modifiedatBookGI 9214,Page773; all of record intheHamiltonCountyRegister’sOffice.Partyentitled toenforcesecurityinterest: Branch Banking and Trust Company, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: LOCATED IN THE CITY OF CHATTANOOGA, HAMILTON COUNTY, TENNESSEE: Lot Eighty-four (84) of Colonial Shores, Unit Two (2), as shown by plat recorded in Plat Book 32, Page 20, in theRegister’sOffice of HamiltonCounty, Tennessee. SUBJECTTO any governmental zoning and subdivision ordinances or regulations in effect thereon. SUBJECT TO Easement and other matters as shown on plat recorded in Plat Book 32, Page 20, in theRegister’sOffice ofHamilton County, Tennessee.?SUBJECT TO Restrictions recorded inBook2379,Page31, in theRegister’sOfficeofHamiltonCounty,Ten-nessee. SUBJECT To Easement to City of Chattanooga for sewer line purposes, recorded in Book 4402, Page 151, and Book 4546, Page 975, in the Register’s Office of Hamilton County, Tennessee. SUBJECTTOEasement to Chattanooga Cable TV Company recorded in Book 2750, Page838,intheRegister’sOfficeofHamiltonCounty,Tennessee.SUB-JECT TO Applicable conditions and easements as set out in subdivision regulationsrecordedinBook2116,Page186,intheRegister’sOfficeofHamilton County, Tennessee. SUBJECT TO any covenants, conditions, restrictions, reservations or easements of record. FOR PRIOR DEED REFERENCESEEBOOK6395,PAGE28INTHEREGISTER’SOFFICEOF HAMILTON COUNTY, TENNESSEE. Parcel Number: 101O-C-010.00 Current Owner(s) of Property: Thomas Westberry husband and wife, Bar-bara Westberry Other interested parties: Colonial Shores Neighborhood Association, Inc. Street Address: 1813 Colonial Shores Drive, Hixson, Tennessee 37343 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemp-tion, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at




the foreclosure sale, the entire purchase price is due and payable at the conclusionoftheauctionintheformofacertified/bankcheckmadepay-able to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted.Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amountsreceived in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is beingsoldwiththeexpressreservationthatthesaleissubjecttoconfir-mation by the lender or trustee. This sale may be rescinded at any time. Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-060218 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 24, 2015 at 12:00PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Brian P. Roberson and wife, Chandra Roberson, to Mid-South Title Corp., Trustee, on April 16, 2008 at Book GI 8648, Page 682;allofrecordintheHamiltonCountyRegister’sOffice.Partyentitledto enforce security interest: Bank of America, N.A., its successors and as-signs The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF Hamilton, STATE OF Tennessee, AND IS DESCRIBED AS FOLLOWS: IN THE THIRD CIVIL DISTRICT OF HAMILTON COUNTY, TENNESSEE: LOT 3, FOREST WOOD SUBDIVI-SION, AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 26, PAGE 188, INTHEREGISTER’SOFFICEOFHAMILTONCOUNTY,TENNESSEE.Parcel Number: 091B B 070 Current Owner(s) of Property: Brian P. Rob-erson and wife, Chandra Roberson Street Address: 7111 Cane Hollow Road, Hixson, Tennessee 37343 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 12-041292 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Febru-ary 17, 2015 at 12:00PM local time, at the west door, Hamilton County Courthouse, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of Trust executed by Kenneth R. Higgins and Lisa Michelle Hig-gins, husband and wife, to Stanley M. Porter, Sr., Trustee, on April 21, 2004 at Book GI 7104, Page 938; all of record in the Hamilton County Register’sOffice.Partyentitledtoenforcesecurity interest:FederalNa-tionalMortgageAssociation(”FNMA”),acorporationorganizedandexist-ing under the laws of the United States of America, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: In the Third Civil District of Hamilton County, Tennessee: Lot Fifty-two (52), North Brook Subdivision, Unit One (1), as shown by plat of record in Plat Book 31, Page 50, in the Regis-ter’sOfficeofHamiltonCounty,Tennessee.ParcelNumber:074GA030Current Owner(s) of Property: Kenneth Higgins aka Kenneth R. Higgins and Lisa M. Higgins, husband and wife Other interested parties: SunTrust Bank Street Address: 714 North Brook Drive, Hixson, Tennessee 37343 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal descrip-tion referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of theauctionintheformofacertified/bankcheckmadepayabletooren-dorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted. Tothisend,youmustbringsufficientfundstooutbidthelenderandanyotherbidders. Insufficient fundswillnotbeaccepted.Amounts receivedin excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject to confirmation bythe lender or trustee. This sale may be rescinded at any time. Shapiro & Ingle,LLPSubstituteTrusteeLawOfficeofShapiro&Ingle,LLP555Per-kins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 12-037083 HCH3T-1/23,1/30,2/6/15

NOTICE OF TRUSTEE’S SALE WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated November 29, 2007, and the Deed of Trust of even date se-curing the same, recorded December 3, 2007, in Book No. GI 8535, at Page957, inOfficeof theRegisterofDeeds forHamiltonCounty,Ten-nessee, executed by Raymond Duke, conveying certain property therein described to Assured Title Services, LLC as Trustee for Mortgage Elec-tronic Registration Systems, Inc., as nominee for Mortgageit, Inc., its suc-cessors and assigns; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by CitiMortgage, Inc.. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and authority vested in and imposed upon said Successor Trustee, by CitiMortgage, Inc., will, on February 26, 2015 on or about 10:00 AM, at the Hamil-ton County Courthouse, Chattanooga, Tennessee, offer for sale certain propertyhereinafterdescribedtothehighestbidderFORcertifiedfundspaid at the conclusion of the sale, or credit bid from a bank or other lend-ing entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Hamilton County, Tennessee, and being more particularly described as follows: Located in the City of Chat-tanooga, Hamilton County, Tennessee: Lot Nine (9), Block 214, East End LandCompany’sAdditionNo.One(1),asshownbyplatofrecordinPlatBook2,Page22,intheRegister’sOfficeofHamiltonCounty,Tennessee.Subject to any governmental zoning and subdivision ordinances or regula-tions in effect thereon. Subject to Requirements of Zoning Ordinance No. 2962 of the City of Chattanooga, Tennessee, and any amendment thereof. ALSO KNOWN AS: 4316 7th Avenue, Chattanooga, TN 37407 This sale is subject to all matters shown on any applicable recorded plat; any un-paid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any prioritycreatedbyafixturefiling;andtoanymatterthatanaccuratesurveyof the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: DUKE, RAYMOND The sale heldpursuanttothisNoticemayberescindedattheSuccessorTrustee’soption at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. W&A No. 250880 DATED January 15, 2015 WILSON & ASSOCIATES, P.L.L.C., Successor Trustee 485047543 FOR SALE INFORMATION, VISIT WWW.MYFIR.COM and WWW.REALTYTRAC.COM HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 10, 2015 at 12:00 PM local time, at the west door, Hamilton County Court-house, 615 Walnut Street, Chattanooga, Tennessee, pursuant to Deed of

Trust executed by Sean M Robinson aka Sean Robinson and Christyn A Robinson aka Christy A. Robinson, husband and wife, to Lakeside Title & Escrow, Trustee, on November 29, 2011 at Book GI 9527, Page 620;allofrecordintheHamiltonCountyRegister’sOffice.Partyentitledtoenforce security interest: Nationstar Mortgage LLC, its successors and as-signs The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Described property located in Hamilton County, Tennessee, and being more particularly described in deed of record in BookGI9527,Page620;intheRegister’sOfficeofHamiltonCounty,Ten-nessee Parcel Number: 083H B 007 Current Owner(s) of Property: Sean M. Robinson and wife, Christy A. Robinson Street Address: 7734 North Dent Road, Hixson, Tennessee 37343 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschat-torneys.com File No. 14-062072 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 26, 2015 at 10:00AM local time, at the west door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402 pursuant to Deed of Trust executed by Kelvert Y. Scruggs and Tiffany C. Scruggs, hus-band and wife, to Arnold M. Weiss, Esq., Trustee, as trustee for Wells Fargo Home Mortgage, Inc. on May 15, 2002 at Book GI 6246, Page 531, Instrument No. 2002051600303; conducted by Shapiro & Ingle, LLP having been appointed Substitute or Successor Trustee, all of record in theHamiltonCountyRegister’sOffice.Defaulthasoccurred in theper-formance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable. Party Entitled to Enforce the Debt: Wells Fargo Bank, NA, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder: Described property located at Ham-ilton County, Tennessee, to wit: All that tract or parcel of land lying and being in the Second Civil District of Hamilton County, Tennessee, being Lot Twenty-two (22) of Corrective Plat Misty Ridge Subdivision, as shown byplatrecordedinPlatBook49,Page31,intheRegister’sOfficeofHam-iltonCounty, Tennessee. ?Being the same property conveyed by deedrecorded inBook4047,Page912, in theRegister’sOfficeofHamiltonCounty, Tennessee. This conveyance is made subject to the following: Easements and other matters on plat recorded in Plat Book 48, Page 380 andcorrectiveplatrecordedinPlatBook49,Page31,intheRegister’sOf-ficeofHamiltonCounty,Tennessee.Applicableconditionsandeasementsin subdivision regulations recorded in Book 2116, Page 186, in the Reg-ister’sOfficeofHamiltonCounty,Tennessee.StreetAddress:9219 Misty Ridge Drive, Chattanooga, Tennessee 37416 Parcel Number: 111M E 019.22 Current Owner(s) of Property: Kelvert Y. Scruggs and wife, Tiffany C. Scruggs The street address of the above described property is believed to be 9219 Misty Ridge Drive, Chattanooga, Tennessee 37416, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. This sale is subject to all matters shown on any applicable recorded plat any unpaid taxes; and any restrictive covenants, easements, or setback lines that may be applicable; any statutory right of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any prioritycreatedbyafixturefiling;andtoanymatterthatanaccuratesurveyof the premises might disclose. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and con-vey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certi-fied/bankcheckmadepayabletoorendorsedtoShapiro&Kirsch,LLP.Nopersonalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the

saleissubjecttoconfirmationbythelenderortrustee.ThissalemayberescindedbytheSubstituteTrusteeatanytime.Thisofficemaybeadebtcollector. This may be an attempt to collect a debt and any information obtained may be used for that purpose. Shapiro & Ingle, LLP Substitute TrusteeLawOfficeofShapiro&Ingle,LLP555PerkinsRoadExtended,Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.auction.com File No. 15-063116 HCH3T-1/23,1/30,2/6/15

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on March 26, 2015 at 10:00 AM local time, at the west door of the Hamilton County Courthouse, 615 Walnut Street, Chattanooga, TN 37402, pursuant to Deed of Trust executed by Holly M. Charlton, unmarried, to Charles E. Tonkin, II, Trustee, on June 9, 2010 at Book GI 9188, Page 780; corrected byScrivener’sAffidavit recorded inBookGI 9719,Page884; all of re-cord in theHamiltonCountyRegister’sOffice.Partyentitled toenforcesecurity interest: Nationstar Mortgage LLC, its successors and assigns The following real estate located in Hamilton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Described property located in Hamilton County, Tennessee, and being more particularly described in deed of record in BookGI9188,Page780;correctedbyScrivener’sAffidavit recorded inBookGI9719,Page884;intheRegister’sOfficeofHamiltonCounty,Ten-nessee Parcel Number: 157K M 001 Current Owner(s) of Property: Holly Charlton aka Holly M. Charlton Other interested parties: Brainerd Park Neighborhood Association Street Address: 116 North Saint Marks Av-enue, Chattanooga, Tennessee 37411 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are ex-pressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is dueandpayableattheconclusionoftheauctionintheformofacertified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personalcheckswillbeaccepted.Tothisend,youmustbringsufficientfunds tooutbid the lenderandanyotherbidders. Insufficient fundswillnot be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the saleissubjecttoconfirmationbythelenderortrustee.Thissalemayberescindedatanytime.Shapiro&Ingle,LLPSubstituteTrusteeLawOfficeof Shapiro & Ingle, LLP 555 Perkins Road Extended, Second Floor Mem-phis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.auction.com File No. 14-062253 HCH3T-1/23,1/30,2/6/15

NON-RESIDENT NOTICE STATE OF TENNESSEE, COUNTY OF HAM-ILTON ALLISON DELLA HERRING BOYNTON VS DOCKET NO. 15D175 BRIANMARSHALLBOYNTONItappearingfromallegationsinPlaintiff’sBill, which is sworn to, that the defendant is a non-resident of the State of Tennessee, so that the ordinary process of law cannot be served upon BRIAN BOYNTON. IT IS ORDERED that publication be made for four successive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee, notifying said non-resident that unless BRIAN BOYNTON answers and makes defense to said complaint in the officesof theCircuitCourtClerkofHamiltonCounty,Tennessee,withinthirty (30) days after the fourth weekly publication of this order, the same will be taken as admitted by BRIAN BOYNTON and the case will be set for hearing ex parte or without BRIAN BOYNTON presence. This 14th day of January, 2015. LARRY L. HENRY, CIRCUIT COURT CLERK ATTORNEY FOR PLAINTIFF: RICHARD BRENT TEETER 1415 MARKET ST., CHAT-TANOOGA, TN 37402 HCH4T-1/23,1/30,2/6,2/13/15

STATE OF TENNESSEE ORDER OF PUBLICATION ALLIED FINANCE, PLAINTIFF Docket Number: 14GS3914 GUSTAS LATASHA S, DEFEN-DANT Date of This Order: 01/09/2015 Appearance Date: 03/09/2015 at 11:00 a.m. Appearance Address: Court of General Sessions, Civil Divi-sion, Room 111 Hamilton County City Courts Building, 600 Market Street, Chattanooga, TN 37402-1911 It appearing from the record in this cause that the defendant is a non-resident of Tennessee, and certain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment issued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Or-der shall be published in a newspaper by this County as required by law. LARRY L. HENRY, CLERK OF GENERAL SESSIONS ATTORNEY FOR PLAINTIFF: MAYFIELD & LESTER PO BOX 789, CHATTANOOGA, TN 37401 HCH4T-1/23,1/30,2/2,2/13/15

IN THE JUVENILE COURT OF HAMILTON COUNTY, TENNESSEE STATEOFTENNESSEE,DEPARTMENTOFCHILDREN’SSERVICES,Petitioner, v. No. 262,167 NOTICE OF ENTRY REQUIRED Kristen Karen Wooten Bowers, Last known address: 7530 Noah Reid Road, Chatta-nooga, Tennessee, 37416; Respondent. IN THE MATTER OF: Madison

Kaitlyn Willyard, b. 03/09/2004 A CHILD UNDER EIGHTEEN (18) YEARS OF AGE ORDER FOR SERVICE BY PUBLICATION It appearing to the Court from the allegations of the Petition for Termination of Paren-talRights,MotionforServicebyPublicationandtheAffidavitofDiligentSearch that the whereabouts of the Respondent, Kristen Karen Woo-ten Bowers, is unknown and cannot be ascertained by diligent search, therefore, the ordinary process of law cannot be served upon them. It is, therefore, ORDERED that said Respondent be served by publication of the following notice for four consecutive weeks in the Hamilton County Herald, a newspaper published in Hamilton County, Tennessee. NOTICE RESPONDENT Kristen Karen Wooten Bowers The State of Tennessee, DepartmentofChildren’sServiceshasfiledaPetitiontoTerminateParen-tal Rights against you seeking to forever terminate your parental rights to the child, Madison Willyard. It appears from the record in this matter that ordinary process of law cannot be served on you because your where-abouts are unknown. You are hereby ORDERED to appear before the Hamilton County Juvenile Court, 1600 E. 3rd Street, Chattanooga, TN 37404 for trial on March 18th, 2015 at 9:00 a.m. to plead and/or answer the Petition. On the above date, the Court will hold a hearing for the relief demanded in the Petition. If you fail to appear at the hearing, evidence will be presented in your absence, and your parental rights to the subject child couldbeforeverterminatedatthehearing.AnyappealofthisCourt’sfinaldisposition of the complaint or petition for termination of parental rights will be governed by the provisions of Rule 8A, TRAP, which imposes special time limitations for the filing of the transcript or statement of evidence,thecompletionandtransmissionoftherecordonappeal,andthefilingofbriefs in the appellate court, as well as other special provisions for expedit-ing the appeal. You may obtain a copy of the Petition and any subsequent-lyfiledlegaldocumentsorhearingdatesintheJuvenileCourtClerk’sOf-ficeattheaddressshownabove.Enteredthis14thdayofJanuary,2015.MAGISTRATE HAMILTON COUNTY JUVENILE COURT APPROVED FOR ENTRY: Kelly N. Johnson, BPR #030209 Assistant General Coun-selStateofTennesseeDepartmentofChildren’sServices5600BrainerdRoad, Suite 602-C Chattanooga, TN 37411 HCH4T-1/23,1/30,2/6,2/13/15

STATE OF TENNESSEE ORDER OF PUBLICATION HAMILTON FAM-ILY DENTISTRY, PLAINTIFF Docket Number: 14GS6456 ORTIZ CAR-LOS J, DEFENDANT Date of This Order: 01/16/2015 Appearance Date: 03/16/2015 at 11:00 a.m. Appearance Address: Court of General Ses-sions, Civil Division, Room 111 Hamilton County City Courts Building, 600 Market Street, Chattanooga, TN 37402-1911 It appearing from the record in this cause that the defendant is a non-resident of Tennessee, and cer-tain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment issued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Order shall be published in a newspaper by this County as required by law. LARRY L. HENRY, CLERK OF GENERAL SESSIONS ATTORNEY FOR PLAINTIFF: MAYFIELD AND LESTER PO BOX 789, CHATTANOOGA, TN 37401 HCH4T-1/23,1/30,2/6,2/13/15

STATE OF TENNESSEE ORDER OF PUBLICATION GREAT AMERI-CAN CASH ADVANCE, PLAINTIFF Docket Number: 14GS806 CAR-ROLL TAMARA JEAN, DEFENDANT Date of This Order: 01/16/2015 Ap-pearance Date: 03/16/2015 at 11:00 a.m. Appearance Address: Court of General Sessions, Civil Division, Room 111 Hamilton County City Courts Building, 600 Market Street, Chattanooga, TN 37402-1911 It appearing from the record in this cause that the defendant is a non-resident of Ten-nessee, and certain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment is-sued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Order shall be published in a newspaper by this County as required by law. LARRY L. HENRY, CLERK OF GENERAL SESSIONS ATTORNEY FOR PLAINTIFF: MAYFIELD AND LESTER PO BOX 789, CHATTANOOGA, TN 37401 HCH4T-1/23,1/30,2/6,2/13/15

STATE OF TENNESSEE ORDER OF PUBLICATION ERLANGER MEDICAL CENTER, PLAINTIFF Docket Number: 12GS6064 STEVENS PATRICK ANTHONY, DEFENDANT Date of This Order: 01/15/2015 Ap-pearance Date: 03/16/2015 at 11:00 a.m. Appearance Address: Court of General Sessions, Civil Division, Room 111 Hamilton County City Courts Building, 600 Market Street, Chattanooga, TN 37402-1911 It appearing from the record in this cause that the defendant is a non-resident of Ten-nessee, and certain property or money has been attached. One or more civil warrants have issued but returned unserved, and an attachment is-sued and was levied upon certain property or money. IT IS ORDERED that publication be made requiring the defendant to appear at the time and place stated above and defend this suit, or a judgment by default may be entered against him. This Order shall be published in a newspaper by this County as required by law. LARRY L. HENRY, CLERK OF GENERAL SESSIONS ATTORNEY FOR PLAINTIFF: MAYFIELD & LESTER PO BOX 789, CHATTANOOGA, TN 37401 HCH4T-1/23,1/30,2/6,2/13/15 v

NOTICES Continued from page 21 Trustee/Mortgagee’s Sales Scheduled in the Next 3 WeeksProperty City Owner Trustee SALES TO TAKE PLACE ON 02/09/15

1602 Daugherty Ferry Road 37373 Begin at iron stake on S side Daugherty Ferry Road Sale Creek Abbie Raines Wilson & Associates, PLLCSALES TO TAKE PLACE ON 02/10/15

9378 Crystal Brook Dr 37302 L97 Final Plat Crystal Brook Ph3 Apison Phillip Shane Sparks and Samantha Lee Sparks Shapiro & Kirsch LLP6441 Brookmead Cir 37343 L118 Plan of Valleybrook Park PUD Unit 1 Hixson Marlene J. Mackesy Shapiro & Kirsch LLP8524 Ricardo Ln 37343 L114 Sequoyah Hills Subd Unit No. 3 Hixson Russell David May Shapiro & Kirsch LLP8424 Shade Tree Ln 37363 L4 Stillwater Subd Unit 1 Ooltewah Richard H. Wiehe and Nancy A. Wiehe Shapiro & Kirsch LLP112 E Walden Cir 37379 L57,58 Thomas Subd Soddy-Daisy Donald P. Pierce and Carol J. Pierce Shapiro & Kirsch LLP506 Notre Dame Ave 37412 L18 Madonna Acres Chattanooga Gerald L Mann and Brenda J. Masters Shapiro & Kirsch LLP1004 McHann Dr 37412 L3 B H Blaney Forest East Ridge L. Brock Bennington Shapiro & Kirsch LLP4408 McCahill Rd 37415 L3 Pete Roberts Subd Chattanooga Deborah A. Bruner and Edward C. Bruner Shapiro & Kirsch LLP125 Narragansette Ave 37415 L9 Valleyview Add No. 2 Chattanooga Sheryl Powell Campbell Shapiro & Kirsch LLP8506 Brandermill Ln 37421 L56 Brandermill Estates Chattanooga WilliamT.O’DonnellandMelodyH.O’Donnell Shapiro & Kirsch LLP

SALES TO TAKE PLACE ON 02/12/157505 Irongate Dr 37343 L15 Iron Gates Estates Hixson Jana L Jackson And Richard D Jackson Rubin Lublin Suarez Serrano, LLC8706 Walnut Road 37343 multiple tracts Hixson Daniel Bastnagel Shapiro and Ingle, LLP2406 Ivey St 37404 L8 B7 Glenwood Chattanooga Larry B Woodruff Rubin Lublin Suarez Serrano, LLC2607 13th Ave 37407 L40 B2 Woodside Chattanooga Alicia Whitaker Gallaher And Terry James Whitaker Rubin Lublin Suarez Serrano, LLC809 Belvoir Hills Dr 37412 L6 Mount Belvoir Subd B3 Chattanooga David S Painter Rubin Lublin Suarez Serrano, LLC3837 Dixie Circle Fka 21 Dixie Circle 37415 L196 Lupton City Subd Chattanooga Anna M Byrd And Brian R Byrd Rubin Lublin Suarez Serrano, LLC

SALES TO TAKE PLACE ON 02/16/1510941 Ward Rd 37379 L1-A Final plat resub L1 Jimmy Coffman Tract Soddy-Daisy Sherrie L. Lawson Shapiro & Kirsch LLP

SALES TO TAKE PLACE ON 02/17/15334 Duling Avenue 37115 L1 B L Plan of Woodlawn Estates Madison Terry Ray Stocks Shapiro & Kirsch LLP6731 Cooley Rd 37341 L7 Bill Swartz Subd Harrison Tammy S. Millsaps Shapiro & Kirsch LLP1906 E Crabtree Rd 37343 L21 First Add Port Serena Village Hixson Chris Lockey Shapiro & Kirsch LLP714 N Brook Dr 37343 L52 North Brook Subd Unit 1 Hixson Kenneth Higgins and Lisa M. Higgins Shapiro & Kirsch LLP924 Horne Rd 37343 Parcel No. 083-155 Hixson Wade B. Crews Shapiro & Kirsch LLP2004 Suck Creek Rd 37405 Parcel No. 116B A 008 & 116B A 009 Chattanooga Robert Louis Widerkehr, Jr. Shapiro & Kirsch LLP1304 Dodson Ave 37406 L4,5 B1 Arlington Heights Add Chattanooga Patricia A. Russell Shapiro & Kirsch LLP300 W 41st St 37410 Pt L3 Subd E pt L6 Kirkland Estate Chattanooga Greg Winton Shapiro & Kirsch LLP901 Moss St 37411 L18,19 Eddings Subd Chattanooga Frank Hayes and Janice Hayes Shapiro & Kirsch LLP609 N Moore Rd 37411 L5 B13 Corrected Plat Biltmore Estates Chattanooga Keith Alan Jones and Betty Louise Jones Shapiro & Kirsch LLP718 Woodvale Avenue 37411 L18 B15 Biltmore Estates Ext Chattanooga Kenneth A. Cooper & Natalie Cooper Shapiro & Kirsch LLP

SALES TO TAKE PLACE ON 02/19/15603 Woodvale Ave 37411 L6 B11 Corrected plat Biltmore Estates Ext Chattanooga Patsy R Vironet FEI, LLC8064 Rhodes Rd 37421 L86-B Liles Add Chattanooga Phillip Neiman Mackie Wolf Zientz & Mann PC

SALES TO TAKE PLACE ON 02/20/153267 Stepping Rock Dr 37302 L16 Crystal Brook Apison Bryan R. Larosa and Beth E. Larosa Shapiro and Ingle, LLP5415 Johnson Road 37308 Parcel No. 023J-A-008.00 Birchwood John Evans & Mekesha Evans Shapiro and Ingle, LLP9333 Charbar Cir 37421 L70 Eastland Estates Unit 2 Chattanooga Dawn L. Schussler and David Lee Schussler Shapiro and Ingle, LLP

SALES TO TAKE PLACE ON 02/23/153716 Shamrock Drive 37406-2766 L35 Rollingwood Add Unit 2 Chattanooga Charles E. Rosenthal Wilson & Associates, PLLC


This family of Indri Lemurs are among the many lemurs

listed as an endangered species.

Mouse Lemurs and Greater Bamboo Lemurs are two species being helped through the conserva-tion e�orts of Dr. Wright.

Greater Bamboo Lemurs are extremely rare, with perhaps only 300 individuals left in the world. Dr. Wright has been diligently monitoring their population and even moving a few individuals from one protected forest to another with the hope of bolstering their numbers. �e �lm crew captured a “love story” between two groups of these critically endangered Greater Bamboo Lemurs. “In a �lm full of �rsts, that was my favorite moment,” said David Douglas, the �lm’s director and cinematogra-pher. “Capturing that successful meeting and the release that followed, creating a new family and the possibility of replenishing the population.”

�e Mouse Lemur is the smallest primate in the world but it still has the same genetic foundation of all primates, including humans.

Dr. Wright has been tracking 500 Mouse Lemurs for more than a decade with microchips. In this case, the researchers are trying to unlock secrets these nocturnal creatures harbor that may yield medical advances for humans. “Mouse Lemurs in captivity are one of the few animals that have been documented getting Alzheimer’s,” said Douglas. “By conducting a long-term study of wild popula-tions, Dr. Wright and her colleagues hope to analyze the di�erence between captive and wild popula-tions to search for clues for the disease’s cause.”

“Island of Lemurs: Madagascar 3D,” narrated by Academy Award winner Morgan Freeman, is ap-proximately 40 minutes in length and is rated G.

Source: Tennessee Aquarium

LEMURS Continued from page 11

Violinist to perform at Southern Adventist Tuesday, Feb. 24

Southern Adventist University will host violinist Bella Hristova on Tuesday, Feb. 24 at 7:30 p.m. in Ackerman Auditorium in Mabel Wood Hall. Tick-ets are $5 for adults and $12 for a family. Hristova is a young musician with a growing international career as a soloist and recording artist. She received the 2013 Avery Fisher Career Grant, which is given to outstanding instrumentalists and based on excellence alone. Hristova has performed in many prestigious venues, received numerous prizes and awards, and has been praised by the Washington Post as “a player of impressive power and control.” For more information, please call (423) 236-2814.Denim and Diamonds returns Saturday, Feb. 28

Chattanoogans will come together at 7 p.m. on Saturday, Feb. 28 at the Chattanooga Convention Center for the tenth annual Denim and Diamonds fundraiser, which supports the Project Access com-munity health partnership and other community health initiatives. �e evening will include dinner, dancing, and live and silent auctions. Entertain-ment will be provided by �e Beaters and Sound-force. Attendees are encouraged to come dressed as a star or icon from the “Back to the Future” �lms, the Old West, the 1950s, or the 1980s. �e event is organized by the Chattanooga Hamilton-County Medical Society, the Medical Foundation of Chat-tanooga, and the Medical Alliance. Table sponsor-ships are available for $1,500. Individual tickets are $125. To purchase a table or individual tickets, call the Medical Society at 622-2872 or visit www.chattdenim.org. Sponsorship opportunities, includ-ing exclusive sponsorships, are available ranging from $500 to $7,500. Opportunities include exclu-sive sponsorships of activities and events. For more information, contact Kevin Lusk at 622-2872.Mad, Bad & Dangerous Saturday, Feb. 28

Girls Preparatory School will host its inaugural women’s entrepreneurial summit, named Mad, Bad & Dangerous on Saturday, Feb, 28. �e all-day event will feature a marketplace showcasing over 50 vendors for women’s products and services, keynote speakers, educatiuonal tracks, and a tech-tinkering lab. In addition, �e Company Lab will host a “Girl Edition” of its 24-Hour Generator, a business pitch competition for local juniors and seniors. For more information on participating in the Marketplace, contact Mandy Senn at [email protected] or (423) 634-7659.St. Chatty’s Day Parade Saturday, March 14

�e Shamrock Society will present the 2nd An-nual St. Chatty’s Day Parade on Saturday, March 14 from noon to 2 p.m. �is year’s parade has been expanded and approved by the City of Chattanooga will begin on Riverfront Parkway, extend across

Market Street Bridge, continue on Frazier Avenue, run through Coolidge Park, and end at Renaissance Park. �e proceeds will bene�t Chattanooga’s Kids on the Block. �e Shamrock Society is made up of local business and community leaders.4 Bridges Arts Festival Friday, April 10-Sunday, April 12

�e 4 Bridges Arts Festival will return to the First Tennessee Pavilion April 10 through 12. �e event will feature a variety of arts and crafts, in-cluding painting, glasswork, jewelry, textiles, pho-tography, sculpture and more, as well as local food, children’s art activities, and entertainment. �is year’s jurors are Katie Delmez, curator at the Frist Center for Visual Arts; Bill May, executive director at Arrowmont School of Arts and Crafts; and Peggy Wood Townsend, director of Public Art Chatta-nooga. �e festival will begin with a preview party Friday evening. Festival and preview party tickets may be purchased at www.4bridgesartsfestival.org or at the door. Preview party hours are 6:30 p.m. to 10 p.m. Festival hours are Saturday from 10 a.m. to 7 p.m. and Sunday from 10 a.m.to 5 p.m. For more information, visit www.4bridgesartsfestival.org.Annual Palate 2 Palette Saturday, April 25

�e Craniofacial Foundation of America (CFA) will host its 8th Annual Palate 2 Palette event on Saturday, April 25. �e event will begin at 5 p.m. with the Gallery Stroll. Following the stroll, guests can go to the Bubbles and Sweets after party at Track 29 from 8 to 10 p.m. Proceeds from the event will bene�t the CFA, a non-pro�t organization that supports the work of the Tennessee Craniofacial Center (TCC) at Children’s Hospital at Erlanger and Erlanger Health System. For tickets or informa-tion, visit www.p2pchattanooga.com.A Night to Remember Saturday, April 25

�is year’s Night to Remember is scheduled to take place Saturday, April 25 at 8 p.m. at the Chat-tanooga Trade and Convention Center. Grammy nominated singer and songwriter Ledisi is sched-uled to headline the show, which will also feature singer Leela James and singer and songwriter Ra-heem DeVaughn. In 27 years, A Night to Remem-ber has raised over $4 million for various organiza-tions that support Chattanooga’s youth. Tickets go on sale Tuesday, Feb. 10 at Bessie Smith Cultural Center, Mary’s Lounge, by phone at (423) 266-8658, or online at www.anighttoremember.org.Chattanooga Outdoors Show Friday, May 8 - Sunday, May 10

�e inaugural Chattanooga Outdoors Show will take place at East Ridge’s Camp Jordan Park and Arena Friday, May 8 through Sunday, May 10. �e show will bring in exhibitors from all over the southeast to show o� everything from kayaks and backpacks to ATVs and �shing boats. Outdoor Chattanooga will be at the front door o�ering the estimated 20,000 show-goers information about where to play with those toys. v

EVENT CALENDAR Continued from page 1

100 YEARS AGOWhat was going on in

Chattanooga in 1915?Saturday, Feb. 6

News from Nashville last night was that Gov. Rye had appointed W.B. Garvin of Chattanooga to succeed the late Judge �omas M. McCon-nell as chancellor.

Mrs. P.S. Beebe of Colum-bus, Ohio is the guest of her mother, Mrs. Mary Read Frat-er. Mrs. Beebe was formerly Miss Caroline Frater.Sunday, Feb. 7

�e “Dansant Nationale,” which is to be given for the bene�t of the Old Ladies Home, has chosen Mrs. Z.C. Patten, Jr., to be queen and Ross Faxon as k. �e program will feature new dances in a cabaret scene by Miss Eleanor Salmon and her dancing part-ner, Joseph Capeheart.

Misses Irene and Marie Bennett were hostesses at the home of their aunt, Mrs. Sam Le Clereq on Missionary Ridge at a “500” party.Monday, Feb. 8

American housewives are organizing to boycott white bread due to the rise in cost, and are using cornbread in-stead. White bread is now six cents a loaf.

Miss Josephine Whiteside and Miss Maude Whiteside will go to Sewanee �ursday for a visit with friends.Tuesday, Feb. 9

Mr. and Mrs. James B. Clark announce the marriage of their

daughter, Mason McKay, to Austin M. Meuller. �e wed-

ding took place at the home of the bride. Dr. J. W. Moore of Centenary Church o�ciated. �e young couple will live in St. Louis.

Miss Margaret McKinney is visiting relatives in Fayetteville, Miss.

Mr. and Mrs. R.T. Wright, Jr., will move into their new bungalow on the side of Mis-sionary Ridge this week.Wednesday, Feb. 10

Fire destroyed the home of Dr. N.C. Steele on Missionary Ridge yesterday and damaged the next door home of W.S. Palmer. Due to the e�cient work of No. 8 Automobile Chemical Co., the Palmer house was saved. Dr. and Mrs. Steele were packed to go to Florida. Dr. and Mrs. Willard Steele were living with them.

Mrs. Emma Belle Miles is ill at Pine Breeze Sanatorium.

Miss Abbie Palmer will give a free recital of her pupils at the studio at 516 Wyatt St. Friday afternoon.Thursday, Feb. 11

Mrs. W.C. Hahn and Miss Regina Hahn have returned from Brooklyn, N.Y., where they attended the wedding of C.M. Gretcher and Miss Hazen.

Miss Elizabeth Read has re-turned from Nashville, where she has been the guest of Miss Mamie Craig.Friday, Feb. 12

Members of the faculty and students of the University of Chattanooga were honored with an open house at the home of President and Mrs. Hixson. �is is one of the most enjoyable annual events on the school calendar.


Logan Carbons, 10, got in line with his mother at

8:45 a.m. for the 3:30 meet and greet. Like his favorite Atlanta Braves

player, fi rst baseman Freddie Freeman, does

before a game, he dressed for the occasion.

Carbons displays the reward for his long wait.

Hunter signs a ball for Carbons.

Carbons meets one of his baseball heroes, Outfi elder Cedric Hunter. (Photos by David Laprad)

With the 2015 Major League season quickly ap-proaching, the Atlanta Braves last week set out into Braves Country for their seventh annual caravan, presented by Academy Sports + Outdoors. � e caravan made stops throughout the Southeast, including Chat-tanooga on � ursday, Jan. 29.

� e Braves Country Caravan gives fans the opportu-nity to interact with Braves players, coaches, and broad-casters before the new season kicks o� in April. Caravan stops include autograph sessions at Academy Sports + Outdoors stores, community appearances, and private events.

“Our entire organization looks forward to the Braves Country Caravan because it gives us the chance to get out into the community and show fans our appreciation,” said Atlanta Braves President John Schuerholz. “Meeting Braves fans from all over the Southeast who have come to see us outside of the ballpark reminds us this game is about connecting with people, and it is the perfect way to head into spring training.”

Source: � e Atlanta Braves v

Logan Carbons, 10, got in line with his mother at

8:45 a.m. for the 3:30 meet and greet. Like his favorite Atlanta Braves

player, fi rst baseman Freddie Freeman, does

before a game, he dressed for the occasion.

Carbons displays the reward for his long wait.

Braves caravan stops in Chattanooga