LEGAL NOTICE

The Rutherford County Purchasing Committee will meet on Wednesday, April 3, 2013 at 4:30 P.M. in Suite 205 of the Rutherford County Courthouse to open bids on the following:

1. Property Insurance; Excess Casualty; Third Party Administrator Services for all casualty lines; Third Party Administrative Services for On-the-Job Injury

Occupational opt-Out program including re-pricing, bill review, occupational

network, and other related services; other Re-insurance products; Broker services. 

2. Any Other Business

The Purchasing Committee reserves the right to accept the lowest or best bid and/or reject any and all bids.

In accordance with ADA (Americans with Disabilities Act), any disabled persons

requiring accommodations for participation in the meeting should contact the County Mayor’s Office at 898-7745 at least two working days prior to the meeting in order that appropriate accommodations can be made.

PURCHASING COMMITTEE

TO BE RUN: Thursday, March 21, 2013

SUBSTITUTE TRUSTEE'S SALE

Sale at public auction will be on May 16, 2013 at 10:00AM local time, at the east front door, Rutherford County Courthouse, Murfreesboro, Tennessee, conducted by Shapiro & Kirsch, LLP Substitute Trustee, pursuant to Deed of Trust executed by David B. Hale, Jr., unmarried, to R. Dale Floyd, Trustee, on October 31, 2000 at Record Book 31, Page 2735; all of record in the Rutherford County Register's Office.

Owner of Debt: Tennessee Housing Development Agency

The following real estate located in Rutherford County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record:

Being all of Lot No. 30A, Final Plat, Section II-Phase II, Chenoweth Pointe, according to the plat thereof, recorded in Plat Book 23, Page 29 of the Register's Office of Rutherford County, Tennessee, to which plat reference is hereby made for more complete details of location and description of said lot.

Street Address: 2744 Windwalker Court, Murfreesboro, Tennessee 37128

Parcel Number: 125B-C-025.00

Current Owner(s) of Property: David B. Hale, Jr., unmarried

Other interested parties: PYOD LLC c/o Mark A. Sexton, Hosto, Buchan, Prater & Lawrence P.L.L.C. and SunTrust Bank c/o John R. Cheadle, Jr., Attorney

The street address of the above described property is believed to be 2744 Windwalker Court, Murfreesboro, Tennessee 37128, 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 TENANT(S) RIGHTS IN POSSESSION.

If applicable, the notice requirements of T.C.A. 35-5-117 have been met.

All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.

If the highest bidder cannot pay the bid within twenty-four (24) hours of the sale, the next highest bidder, at their highest bid, will be deemed the successful bidder.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded at any time.

Shapiro & Kirsch, LLP Substitute Trustee

www.kirschattorneys.com

Law Office of Shapiro & Kirsch, LLP

555 Perkins Road Extended, Second Floor

Memphis, TN 38117

Phone (901)767-5566

Fax (901)761-5690

File No. 13-046964

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 28, 2006, executed by EDWIN T PIOTROWSKI, conveying certain real property therein described to PRLAP, INC., as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded August 7, 2006, in Deed Book 651, Page 2035-2051; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A. who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. § 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Rutherford 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 April 18, 2013 at 02:00 PM at the courthouse door where the foreclosure sales are customarily held , located in Murfreesboro, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Rutherford County, Tennessee, to wit: LAND IN RUTHERFORD COUNTY, TENNESSEE, BEING LOT NO. 11, ON THE PLAN OF SECTION I, FLOWRENCE MEADOWS, OF RECORD IN PLAT BOOK 11, PAGE 226, REGISTER`S OFFICE FOR SAID COUNTY, TO WHICH PLAN REFERENCE IS HEREBY MADE FOR A MORE COMPLETE DESCRIPTION. BEING THE SAME PROPERTY CONVEYED TO EDWIN PIOTROWSKI, AN UNMARRIED PERSON BY DEED FROM RANDALL MCGRIFF, AN UNMARRIED PERSON, DATED JULY 28, 2006, RECORDED 8/7/06, OF RECORD IN BOOK 651, PAGE 2033, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. Parcel ID: 71DA10.00 PROPERTY ADDRESS: The street address of the property is believed to be 5134 RACHEL COURT, MURFREESBORO, TN 37129. 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): EDWIN T PIOTROWSKI OTHER INTERESTED PARTIES: The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846  Ad #47013: 2013-03-21  2013-03-28, 2013-04-04

NOTICE OF SUBSTITUTE TRUSTEE'S SALE TENNESSEE, RUTHERFORD COUNTY DEFAULT having been made in the terms, conditions and payments provided in certain Deed of Trust executed by Brenda Holmes aka Brenda Lee Holmes and Robin Resh to American Title Company, Trustee dated November 20, 2002 in the amount of $149,150.00, and recorded in the Register's Office of Rutherford County, Tennessee in Deed Book 212, Page 196-209, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to JPMorgan Chase Bank, National Association by assignment; and, JPMorgan Chase Bank, National Association, as the current holder of said Deed of Trust (the "Holder"), has appointed as Substitute Trustee the undersigned, , any of whom may act, by instrument filed for record in the Register's Office of Rutherford County, Tennessee with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; therefore, NOTICE is hereby given that the entire amount of said indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and the undersigned as Substitute Trustee, or a duly appointed attorney or agents by virtue of the power and authority vested by the Appointment of Substitute Trustee, will on Thursday, April 11, 2013 commencing at 12:00 PM at the east door of the Rutherford County Courthouse, Murfreesboro, Tennessee; sell to the highest bidder for cash, immediately at the close of sale, the following property to-wit: Land in Rutherford County, Tennessee, being Lot No. 9, on the Plan of Lake Forest Estates, Section B, Phase 1, of record in Plat Book 14, Page 180, said Registers Office for said County, to which reference is made for a more complete description. Being the same property conveyed to Brenda Lee Holmes on 01-06-95, by deed from Holigan Family Investments, Inc., filed for record on 01-18-95, in Book 524, Page 500 and corrected in Book 541, Page 847, Registers Office for Rutherford County, Tennessee. Being the same property conveyed to Brenda Lee Holmes and Robin Resh as joint tenants from Brenda Lee Holmes by Quitclaim Deed dated November 20, 2002 and being recorded simultaneously with this transaction in Book 212, Page 194 for said Registers Office in Rutherford County, Tennessee. Parcel ID No.: 006GC009.00 Map & Parcel No.: 006GC009.00 PROPERTY ADDRESS: 491 Forest Ridge Drive, La Vergne, Tennessee 37086 CURRENT OWNER(S): Brenda Lee Holmes and Robin Resh SUBORDINATE LEINHOLDERS: NA OTHER INTERESTED PARTIES: NA All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, however, the undersigned will sell and convey only as Substitute Trustee. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property; as well as any prior liens or encumbrances as well as priority created by a fixture filing; and/or any matter that an accurate survey of the premises might disclose. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor and Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the sale will be subject to the applicable governmental entities` right to redeem the property, as required by 26 U.S.C § 7425 and T.C.A. § 67-1-1433. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust. The notice requirements of T.C.A. §35-5-117 were satisfied prior to the first publication of the Notice of Substitute Trustee`s Sale. Substitute Trustee reserves the right to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above. MCC TN, LCC 3525 Piedmont Road NE, Six Piedmont Center, Suite 700 Atlanta, GA 30305 (404) 373-1612 www.mccurdycandler.com File No. 08-11705 /FNMA Ad Run Dates: 3/21/2013, 3/28/2013 and 4/4/2013 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Ad # 46970

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated September 30, 2008, executed by RYAN PATTON, conveying certain real property therein described to STEWART TITLE OF TENNESSEE INC, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded October 7, 2008, in Deed Book 874, Page 2897-2909; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. § 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Rutherford 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 April 18, 2013 at 02:00 PM at the courthouse door where the foreclosure sales are customarily held , located in Murfreesboro, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Rutherford County, Tennessee, to wit: LAND IN RUTHERFORD COUNTY, TENNESSEE, BEING ALL OF LOT NO. 54 ON THE FINAL PLAT, WESTHAVEN ESTATES, SECTION II, AS SHOWN BY PLAT APPEARING OF RECORD IN PLAT BOOK 28, PAGE 247, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE, TO WHICH SAID PLAN REFERENCE IS HEREBY MADE FOR A MORE COMPLETE AND ACCURATE LEGAL DESCRIPTION THEREOF. BEING THE SAME PROPERTY CONVEYED TO RYAN PATTON, UNMARRIED BY DEED FROM DREAMHOMES, INC., A TENNESSEE, CORPORATION AS OF RECORD IN RECORD BOOK 874, PAGE 2895, REGISTER`S OFFICE FOR SAID COUNTY. Parcel ID: 101-O-D-008.00 PROPERTY ADDRESS: The street address of the property is believed to be 2808 MAYLON DRIVE, MURFREESBORO, TN 37128. 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): RYAN PATTON OTHER INTERESTED PARTIES: WESTHAVEN COMMUNITY PROPERTY OWNERS ASSOCIATION, INC. The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846  Ad #46836: 2013-03-21  2013-03-28, 2013-04-04

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated September 9, 2004, executed by PATRICIA ARANA, RAUL ARANA, conveying certain real property therein described to NATIONAL REGISTERED AGENTS, INC., as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded September 20, 2004, in Deed Book 429, Page 1527-1543; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWALT, INC., ALTERNATIVE LOAN TRUST 2005-J5 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-J5 who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. § 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Rutherford 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 April 18, 2013 at 02:00 PM at the courthouse door where the foreclosure sales are customarily held , located in Murfreesboro, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Rutherford County, Tennessee, to wit: SITUATED IN THE SECOND (2) CIVIL DISTRICT OF RUTHERFORD COUNTY, TENNESSEE AND WITHIN THE CORPORATE LIMITS OF THE CITY OF LAVERGNE, TENNESSEE AND BEING KNOWN AS ALL OF LOT NUMBER FIVE THOUSAND SEVEN HUNDRED TWENTY FIVE (5725) ON THE FINAL PLAT, PHASE FIFTY SEVEN, LAKE FOREST ESTATES, AS THE SAME APPEARS OF RECORD IN PLAT BOOK 27, PAGE 1, REGISTER`S OFFICE OF RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS MADE FOR A MORE COMPLETE DESCRIPTION. Parcel ID: 014B-D-05200 PROPERTY ADDRESS: The street address of the property is believed to be 7004 ZITHER LANE, LA VERGNE, TN 37086. 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): PATRICIA ARANA OTHER INTERESTED PARTIES: Castle Credit Corporation RAUL ARANA The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846  Ad #46796: 2013-03-21  2013-03-28, 2013-04-04

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 January 29, 2009, executed by CHRISTOPHER C. HICKEY, conveying certain real property therein described to ANDREW C. RAMBO, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded March 5, 2009, in Deed Book 902, Page 1888-1896; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A. who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. § 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Rutherford 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 April 18, 2013 at 02:00 PM at the courthouse door where the foreclosure sales are customarily held , located in Murfreesboro, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Rutherford County, Tennessee, to wit: LAND IN RUTHERFORD COUNTY, TENNESSEE, BEING ALL OF LOT NO. 14-R, ON THE FINAL PLAT, SECTION I, WESTVIEW, AS SHOWN ON PLAT OF RECORD IN PLAT BOOK 26, PAGE 184, AND AS AMENDED BY SURVEYOR`S CERTIFICATE OF CORRECTION OF RECORD IN BOOK 297, PAGE 2935, RECORD BOOK 297, PAGE 2937, AND RECORD BOOK 327, PAGE 1459, IN THE REGISTER`S OFFICE OF RUTHERFORD, TENNESSEE. THIS BEING THE SAME PROPERTY CONVEYED TO CHRISTOPHER C. HICKEY, UNMARRIED, BY QUIT CLAIM DEED FROM BOBBY RAY HICKEY AND SUE HICKEY, HUSBAND AND WIFE, DATED JANUARY 15, 2009, FILED OF RECORD ON JANUARY 26, 2009, IN BOOK 892, PAGE 1746, IN THE AFORESAID REGISTER`S OFFICE. Parcel ID: 101-H-D-014.01 PROPERTY ADDRESS: The street address of the property is believed to be 1415 WESTVIEW DRIVE, MURFREESBORO, TN 37128. 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): CHRISTOPHER C. HICKEY OTHER INTERESTED PARTIES: The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846

 Ad #46790: 2013-03-21  2013-03-28, 2013-04-04

NOTICE OF SUBSTITUTE TRUSTEE'S SALE TENNESSEE, RUTHERFORD COUNTY DEFAULT having been made in the terms, conditions and payments provided in certain Deed of Trust executed by Todd Kalbfeld and Michelle Selber to Denise Haraseviate, Trustee dated June 8, 2006 in the amount of $114,720.00, and recorded in the Register's Office of Rutherford County, Tennessee in Deed Book 631, Page 2232-2254, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to JPMorgan Chase Bank, National Association by assignment; and, JPMorgan Chase Bank, National Association, as the current holder of said Deed of Trust (the "Holder"), has appointed as Substitute Trustee the undersigned, , any of whom may act, by instrument filed for record in the Register's Office of Rutherford County, Tennessee with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; therefore, NOTICE is hereby given that the entire amount of said indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and the undersigned as Substitute Trustee, or a duly appointed attorney or agents by virtue of the power and authority vested by the Appointment of Substitute Trustee, will on Thursday, May 2, 2013 commencing at 12:00 PM at the east door of the Rutherford County Courthouse, Murfreesboro, Tennessee; sell to the highest bidder for cash, immediately at the close of sale, the following property to-wit: Land in Rutherford County, Tennessee, being all of Lot No. 123, on the Plan of Fall Creek Subdivision, PRD, Final Plat, Section 5, Phase 1, as shown by plat appearing of record in Plat Book 28, Page 299, Revising Plat Book 28, Page 235, of the Registers Office of Rutherford County, Tennessee, to which plat reference is hereby made for more complete details of said lot. Being the same property conveyed to Todd Allen Kalbfeld, and wife, Michelle Selber by Deed dated June 8, 2006 from Greenvale Construction, LLC., a Tennessee Limited Liability Company as of record in Record Book 631, Page 2230, Registers Office for said County. Parcel ID No.: 21E-B-6.00 Map & Parcel No.: 21E-B-6.00 PROPERTY ADDRESS: 221 Breeze Drive, Murfreesboro, Tennessee 37129 CURRENT OWNER(S): Todd Allen Kalbfeld and Michelle Selber SUBORDINATE LEINHOLDERS: N/A OTHER INTERESTED PARTIES: N/A All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, however, the undersigned will sell and convey only as Substitute Trustee. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property; as well as any prior liens or encumbrances as well as priority created by a fixture filing; and/or any matter that an accurate survey of the premises might disclose. If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor and Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the sale will be subject to the applicable governmental entities` right to redeem the property, as required by 26 U.S.C § 7425 and T.C.A. § 67-1-1433. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust. The notice requirements of T.C.A. §35-5-117 were satisfied prior to the first publication of the Notice of Substitute Trustee`s Sale. Substitute Trustee reserves the right to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above. MCC TN, LCC 3525 Piedmont Road NE, Six Piedmont Center, Suite 700 Atlanta, GA 30305 (404) 373-1612 www.mccurdycandler.com File No. 13-01360 /CONV Ad Run Dates: 03/21/2013, 03/28/2013 and 04/04/2013 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Ad # 47050

SUBSTITUTE TRUSTEE'S SALE

Sale at public auction will be on April 18, 2013 at 10:00AM local time, at the east front door, Rutherford County Courthouse, Murfreesboro, Tennessee, conducted by Shapiro & Kirsch, LLP Substitute Trustee, pursuant to Deed of Trust executed by Lori Johnson and husband, Michael A. Johnson, to Lawrence Vogan, Attorney, Trustee, on July 29, 2005 at Record Book 530, Page 2370; all of record in the Rutherford County Register's Office.

Owner of Debt: HSBC Mortgage Services, Inc.

The following real estate located in Rutherford 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 Rutherford County, Tennessee, to wit:

Lot Number 92, Villages at Garrison Cove, Section II, according to plat and survey of same appearing of record in Plat Book 24, Page 158, of the Register's Office of Rutherford County, Tennessee, to which plat reference is hereby made for a more complete and accurate description of said lot.

Street Address: 2052 Aberdeen Circle, Murfreesboro, Tennessee 37130

Parcel Number: 081F-C-092.00

Current Owner(s) of Property: Lori Johnson and husband, Michael A. Johnson

Other interested parties: Crevecor Mortgage Inc, HSBC Mortgage Services INC., The Villages at Garrison Cove Homeowner's Association C.O Preferred Property Management, LLC and Mortgage Electronic Registration Systems, Inc.

The street address of the above described property is believed to be 2052 Aberdeen Circle, Murfreesboro, Tennessee 37130, 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 TENANT(S) RIGHTS IN POSSESSION.

If applicable, the notice requirements of T.C.A. 35-5-117 have been met.

All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.

If the highest bidder cannot pay the bid within twenty-four (24) hours of the sale, the next highest bidder, at their highest bid, will be deemed the successful bidder.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded at any time.

Shapiro & Kirsch, LLP Substitute Trustee

www.kirschattorneys.com

Law Office of Shapiro & Kirsch, LLP

555 Perkins Road Extended, Second Floor

Memphis, TN 38117

Phone (901)767-5566

Fax (901)761-5690

File No. 07-17049

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 December 11, 2006, executed by EDGAR A RAMIREZ, conveying certain real property therein described to GREGG MURPHY, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded December 19, 2006, in Deed Book 696, Page 3778-3786; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A. who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. § 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Rutherford 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 April 18, 2013 at 02:00 PM at the courthouse door where the foreclosure sales are customarily held , located in Murfreesboro, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Rutherford County, Tennessee, to wit: LAND IN RUTHERFORD COUNTY, TENNESSEE, BEING LOT NO. 39, ON THE PLAN OF HIGHLAND PARK, SECTION 3, AS SHOWN ON PLAT OF RECORD IN PLAT BOOK 5, PAGE 32, IN THE REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION. BEING THE SAME PROPERTY CONVEYED TO HOWARD W. THOMPSON AND WIFE, ANNIE L. THOMPSON BY DEED OF RECORD IN BOOK 266, PAGE 382 RECORDED 4/4/1978, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. BEING THE SAME PROPERTY CONVEYED TO EDGAR A. RAMIREZ, BY DEED FROM HOWARD W. THOMPSON AND ANNIE L. THOMPSON OF RECORD IN INSTRUMENT NO./ BOOK 696 PAGE 3776 REGISTER`S OFFICE FOR RUTHERFORD COUNTY TENNESSEE. Parcel ID: 028L-H-006.00 PROPERTY ADDRESS: The street address of the property is believed to be 222 BRANCH TRAIL, SMYRNA, TN 37167. 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): EDGAR A RAMIREZ OTHER INTERESTED PARTIES: The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846  Ad #46741: 2013-03-14  2013-03-21, 2013-03-28

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated June 18, 2007, executed by AL POVEDA, conveying certain real property therein described to ROBERT M. WILSON, JR, ATTORNEY, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded June 20, 2007, in Deed Book 755, Page 1659-1666; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A. who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. § 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned,Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Rutherford 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 April 11, 2013 at 02:00 PM at the courthouse door where the foreclosure sales are customarily held , located in Murfreesboro, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Rutherford County, Tennessee, to wit: LAND IN RUTHERFORD COUNTY, STATE OF TENNESSEE. BEING LOT NUMBER 4018 LAKE FOREST ESTATES, PHASE FORTY, OF RECORD IN PLAT BOOK 23, PAGE 178, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE COMPLETE AND ACCURATE LEGAL DESCRIPTION. BEING THE SAME PROPERTY CONVEYED BY WARRANTY DEED TO RODNEY D. LAWARY, MARRIED FROM OLE SOUTH PROPERTIES, INC. DATED MARCH 27TH, 2001 AND RECORDED ON APRIL 6, 2001 OF RECORD IN RECORD BOOK 58, PAGE 1088, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. BEING THE SAME PROPERTY CONVEYED TO AL POVEDA FROM RODNEY D. LAWARY AND WIFE EUDORA LAWARY BY WARRANTY DEED DATED 06/18/07 OF RECORD IN BOOK 755, PAGE 1656 OR INSTRUMENT NO. ____________________ REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE FILED SIMULTANEOUSLY HEREWITH. THE SOURCE OF THIS DESCRIPTION IS THE LAST RECORDED DEED OF RECORD. Parcel ID: 014C-B-01800 PROPERTY ADDRESS: The street address of the property is believed to be 213 BILL STEWART BOULEVARD, LA VERGNE, TN 37086. 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): AL POVEDA OTHER INTERESTED PARTIES: The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin TN, PLLC, Substitute Trustee 119 S. Main Street, Suite 500 Memphis, TN 38103 www.rubinlublin.com/property-listings.php Tel: (877) 813-0992 Fax: (404) 601-5846  Ad #46632: 2013-03-14  2013-03-21, 2013-03-28 

SUBSTITUTE TRUSTEE'S SALE

Sale at public auction will be on April 11, 2013 at 10:00AM local time, at the east front door, Rutherford County Courthouse, Murfreesboro, Tennessee, conducted by Shapiro & Kirsch, LLP Substitute Trustee, pursuant to Deed of Trust executed by Harold A. Johnson, married, to CTC Real Estate, Trustee, on January 6, 2006 at Record Book 583, Page 1075; all of record in the Rutherford County Register's Office.

Holder: Bank of America, N.A.

The following real estate located in Rutherford County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record:

The following described property located in the Thirteenth (13th) Civil District of Rutherford County, Tennessee, to-wit:

Being Lot 27 of the revised Section I of Pleasant Acres Subdivision, as of record in Plat Book 1, Page 105, Register's Office of Rutherford County, Tennessee, to which reference is made for more complete details of location and description of said lot.  This is improved property located at 1207 Northfield boulevard, Murfreesboro, Tennessee.

Street Address: 1207 West Northfield Boulevard, Murfreesboro, Tennessee 37129

Parcel Number: 080J-A-02400

Current Owner(s) of Property: Harold A. Johnson, single

The street address of the above described property is believed to be 1207 West Northfield Boulevard, Murfreesboro, Tennessee 37129, 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 TENANT(S) RIGHTS IN POSSESSION.

If applicable, the notice requirements of T.C.A. 35-5-117 have been met.

All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.

If the highest bidder cannot pay the bid within twenty-four (24) hours of the sale, the next highest bidder, at their highest bid, will be deemed the successful bidder.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded at any time.

Shapiro & Kirsch, LLP Substitute Trustee

www.kirschattorneys.com

Law Office of Shapiro & Kirsch, LLP

555 Perkins Road Extended, Second Floor

Memphis, TN 38117

Phone (901)767-5566

Fax (901)761-5690

File No. 12-037901