Ad #16263: 2011-10-23  2011-10-30, 2011-11-06

NOTICE OF SUBSTITUTE TRUSTEE`S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated March 22, 2005, executed by Kerry L. Tidwell and Sheila K. Tidwell, conveying certain real property therein described to Robert M. Wilson, Jr, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded March 30, 2005, in Deed Book 484, Page 2530-2541; 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 CWABS, Inc., Asset-Backed Certificates, Series 2005-4 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 Suarez Serrano TN LLC, 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 Suarez Serrano TN LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 17, 2011 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 THE 3RD DISTRICT OF RUTHERFORD COUNTY, TENNESSEE BEING LOT NO. 137, ST. JOHNS WOOD SECTION 5 ACCORDING TO PLAT AND SURVEY OF SAME APPEARING OF RECORD IN PLAT BOOK 14, PAGE 160 REGISTER`S OFFICE OF RUTHERFORD COUNTY, TENNESSEE TO WHICH PLAT REFERENCE IS HEREBY MADE FOR MORE COMPLETE DETAILS AS TO LOCATION AND DESCRIPTION OF SAID LOT. BEING THE SAME PROPERTY CONVEYED TO SHEILA K. TIDWELL MARRIED FROM KEITH D. SAGER AND WIFE, MARY C. SAGER BY DEED DATED NOVEMBER 5TH, 2001 AND FILED FOR RECORD IN BOOK 108, PAGE 1299 REGISTER`S OFFICE OF RUTHERFORD COUNTY, TENNESSEE. PARCEL ID: 12.00 PROPERTY ADDRESS: The street address of the property is believed to be 208 Saint Lukes Lane, 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): Sheila K. Tidwell OTHER INTERESTED PARTIES: Capital One Bank (USA), N.A. Kerry L. Tidwell 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 Suarez Serrano TN LLC, 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 #16241: 2011-10-23  2011-10-30, 2011-11-06

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 Pamela S. Merrilees to Tennessee Title, as trustee dated November 15, 2006 in the amount of $120,800.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1459988, Deed Book 688, Page 1174-1189, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to U.S. Bank National Association as Trustee for RASC 2007KS2 by assignment; and, U.S. Bank National Association as Trustee for RASC 2007KS2 , 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, November 17, 2011 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: Being all of Lot No. 5, Section Five, Wildwood Farms according to survey and plat of same appearing of record in Plat Book 19, Page 126, of the Registers Office of Rutherford County, Tennessee, to which plat reference is hereby made for more complete details as to location and description of said lot. Being the same property conveyed to Pamela S. Merrilees, an unmarried woman, by Deed form Stephen D. Mitchell, married, dated November 15, 2006, of record in Book 688, Page 1173, Registers Office for Rutherford County, Tennessee. (dated and recorded simultaneously herewith). Parcel ID No.: 033ME-014 Map & Parcel No.: 033ME-014 PROPERTY ADDRESS: 508 Greystone Place, Smyrna, Tennessee 37167 CURRENT OWNER(S): Pamela S. Merrilees SUBORDINATE LEINHOLDERS: GMAC Mortgage, LLC 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. 11-00490 /CONV Ad Run Dates: 10/23/2011, 10/30/2011 and 11/06/2011 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 # 16223

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 Mario J. Navarro and Morgan M. Navarro to Robert M. Wilson, as trustee dated September 27, 2006 in the amount of $122,200.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1451011, Deed Book 673, Page 3200-3215, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to US Bank National Association as Trustee by assignment; and, US Bank National Association as Trustee, 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, November 17, 2011 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: A certain tract of parcel of land in Rutherford County, State of Tennessee, described as follows, to-wit: Being Lot No. 12, Section One, on the Plan of Woodland Hills, of record in Plat Book 12, Page 99, Registers Office for Rutherford County, Tennessee, to which plat reference is hereby made for a more complete description. Being the same property conveyed to Mario Navarro and wife Morgan Navarro by Deed from Rhegess B. Perry and Jacqueline S. Perry, dated September 28, 2006 in Book 673 Page 3197, Registers Office for Rutherford County, TN. Parcel ID No.: 029 GC-065.00  Map & Parcel No.: 029 GC-065.00   PROPERTY ADDRESS:  519 Woodland Hills Drive, La Vergne, Tennessee 37086 CURRENT OWNER(S): Mario Navarro SUBORDINATE LIENHOLDERS: GMAC Mortgage Corporation OTHER INTERESTED PARTIES: Wilmington Finance 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. 09-25994 /CONV Ad Run Dates: 10/23/2011, 10/30/2011, and 11/6/2011 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 # 16156

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 Steven G. Chase and Candi K. Chase to Robert M. Wilson, Trustee dated September 29, 2006 in the amount of $140,000.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1450257, Deed Book 672, Page 2357-2375, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to US Bank National Association as Trustee by assignment; and, US Bank National Association as Trustee, 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, November 17, 2011 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: Being Lot No. 130, Section V, Cherrywood Estates, as shown by plat of record in Plat Book 26, Page 147, of the Registers Office of Rutherford County, Tennessee, to which plat reference is hereby made for a more complete and accurate description of said lot. Being the same property conveyed to Steven G. Chase, a married person by Warranty Deed from First Frontier Enterprises, LLC dated October 15, 2003 and filed for record in Book 325, Page 2784, in the Registers Office for Rutherford County, Tennessee. This property is commonly known as: 4269 Birch Drive, Murfreesboro, Tennessee 37129. Parcel ID No.: 070HB-049  Map & Parcel No.: 070HB-049   PROPERTY ADDRESS:  4260 Birch Drive, Murfreesboro, Tennessee 37129 CURRENT OWNER(S): Steven G. Chase SUBORDINATE LIENHOLDERS: 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. 10-25453 /CONV Ad Run Dates: 10/23/2011, 10/30/2011, and 11/6/2011 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 # 16159

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 Armando Soria to Stewart Title of TN Inc., Trustee dated July 19, 2005 in the amount of $97,355.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1357537, Deed Book 524, Page 2560-2578, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to The Bank of New York Mellon Trust Company, National Association fka The Bank of New York Trust Company, N.A. as successor to JPMorgan Chase Bank N.A. as Trustee by assignment; and, The Bank of New York Mellon Trust Company, National Association fka The Bank of New York Trust Company, N.A. as successor to JPMorgan Chase Bank N.A. as Trustee, 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, November 10, 2011 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. 4616, on the Final Plat, Phase Forty-Six, Lake Forest Estates, as shown by plat appearing of record in Plat Book 27, Page 276, of the Registers Office of Rutherford County, Tennessee, to which plat reference is hereby made for more complete details of said lot. Being part of the same property conveyed to Armando Soria, a married man, by Warranty Deed dated July 20, 2005 of record in Record Book 524, Page 2558, Registers Office for Rutherford County, Tennessee. Map & Parcel No.: 014CB-075 PROPERTY ADDRESS: 1210 Shannon Lane, La Vergne, Tennessee 37086 CURRENT OWNER(S): Armando Soria 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. 11-13150 /CONV Ad Run Dates: 10/16/2011, 10/23/2011 and 10/30/2011 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 # 15984

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 31, 2005, executed by Latasha Lee and Willie Simmons, conveying certain real property therein described to Realty title & Escrow Company, Inc., as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded December 1, 2005, in Deed Book 569, Page 1230; 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 CWABS,INC.,Aasset-Backed Certificates,Series 2006-BC2 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 Suarez Serrano TN LLC, 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 Suarez Serrano TN LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 10, 2011 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. 4740, ON THE PLAN OF FINAL PLAT, PHASE FORTY-SEVEN, LAKE FOREST ESTATE, OF RECORD IN PLAT BOOK 28, PAGE 151, REGISTER`S OFFICE FOR SAID COUNTY, TO WHICH PLAN REFERENCE IS HEREBY MADE FOR A MORE COMPLETE DESCRIPTION. BEING PART OF THE SAME PROPERTY CONVEYED TO AMNON SHREIBMAN, TRUSTEE BY DEED FROM NECLLS ENTERPRISES INCORPORATED, DATED DECEMBER 3, 2001. OF RECORD BOOK 118, PAGE 1193, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. FURTHER BEING PART OF THE SAME PROPERTY CONVEYED TO THE GREENVALS CONSTRUCTION HOMES, LLC BY DEED FROM AMNON SHREIBMAN, TRUSTEE, DATED MARCH 7, 2005, OF RECORD IN BOOK 482, PAGE 1636 REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. PARCEL ID: 014C-C-040.00 PROPERTY ADDRESS: The street address of the property is believed to be 1043 Cheryl 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): Latasha Lee OTHER INTERESTED PARTIES: Mortgage Electronic Registration Systems, Inc, acting solely as nominee for Ownit Mortgage Solutions, Inc., Specialized Loan Servicing LLC Willie Simmons 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 Suarez Serrano TN LLC, 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 #16091: 2011-10-16  2011-10-23, 2011-10-30 

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 May 29, 2000, executed by RACHEL HAMILTON, conveying certain real property therein described to Arnold M. Weiss, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded April 4, 2000, in Deed Book B-618, Page 180; 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 CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-18 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 Suarez Serrano TN LLC, 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 Suarez Serrano TN LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 10, 2011 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: BEING A HOUSE AND LOT OF GROUND SITUATED ON THE SOUTH SIDE OF AN KNOWN AND DESIGNATED AS CITY NO. 514 EAST STATE STREET IN SAID CITY, AND BEGINNING AT THE SOUTHWEST CORNER OF A LOT CONVEYED BY MRS. GEORGE WALTER TO JOHN E. QUEENER BY DEED WHICH IS OF RECORD IN DEED BOOK NO. 73, PAGE 202. OF THE REGISTER`S OFFICE OF RUTHERFORD COUNTY, TENNESSEE; AND RUNNING WEST 50 FEET ON STATE STREET TO A LOT DEEDED BY MRS. GEORGE WALTER TO MARTHA ANN DOUGLAS BY DEED OF RECORD IN DEED BOOK NO. 73, PAGE 201 OF SAID OFFICE; THENCE SOUTH 133 FEET TO A LOT OWNED BY MRS. GEORGE WALTER, OR FORMERLY OWNED BY HER; THENCE EAST 50 FEET TO THE SAID JOHN E. QUEENER LOT; THENCE NORTH 133 FEET TO THE POINT OF BEGINNING. BEING THE SAME PROPERTY CONVEYED IN SAID REGISTER`S OFFICE IN DEED BOOK 126, PAGE 479. BEING THE SAME PROPERTY CONVEYED TO RACHEL HAMILTON BY DEED FROM CHESTER A. RUCKER AND WIFE, DORA RUCKER OF RECORD IN BOOK 571, PAGE 61, DATED MARCH 8, 1996 IN THE AFORESAID REGISTER`S OFFICE. PARCEL ID: R0064680 PROPERTY ADDRESS: The street address of the property is believed to be 514 E. STATE STREET, MURFREESBORO, TN 37130. 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): ANY UNKNOWN HEIRS AT LAW FOR RACHEL HAMILTON, Curtis Lee McCullough OTHER INTERESTED PARTIES: Heights Finance Corporation, City of Mufreesboro RACHEL HAMILTON 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 Suarez Serrano TN LLC, 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 #16093: 2011-10-16  2011-10-23, 2011-10-30 

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 Paul W. Hartman and Christie Hartman to Mary Frances Rudy, as trustee dated August 22, 2001 in the amount of $195,200.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1083153, Deed Book 96, Page 1861-1878, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to LPP Mortgage Ltd. by assignment; and, LPP Mortgage Ltd., 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, November 10, 2011 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: Being Lot No. 43, Stratford Hall, Section I, as shown of record in Plat Book 21, Page 107, Registers Office of Rutherford County, Tennessee, to which reference is hereby made for a more complete and accurate legal description thereof. Being the same property conveyed to Paul Hartman and Christie Hartman by deed recorded in Book 96, Page 1859, Registers Office of Rutherford County, Tennessee. Parcel ID No.: 90-B-D-/43.00   Map & Parcel No.: 90-B-D-/43.00   PROPERTY ADDRESS:  2167 Veranda Place, Murfreesboro, Tennessee 37130 CURRENT OWNER(S): Paul W. Hartman and Christie Hartman SUBORDINATE LIENHOLDERS: HSBC Mortgage Services, Stratford Hall Homeowners Association, Inc. 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. 11-15936 /CONV Ad Run Dates: 10/16/2011, 10/23/2011 and 10/30/2011 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 # 15960

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 Laura Flores and Tim McGee to Elite Home Loans, Trustee dated December 1, 2006 in the amount of $114,300.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1463475, Deed Book 693, Page 3043-3059, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to Bank of America, National Association as successor by merger to LaSalle Bank National Association as Trustee by assignment; and, Bank of America, National Association as successor by merger to LaSalle Bank National Association as Trustee, 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, November 10, 2011 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: A certain tract or parcel located in Rutherford County, Tennessee, described as follows to-wit: Land in Rutherford County, State of Tennessee, being Lot No. 45, Section Three, Cayla Village of record in Plat Book 18, Page 166, Registers Office for Rutherford County, Tennessee, to which plat reference is hereby made for a more complete and accurate description. Being the same property conveyed to Laura Flores, unmarried and Tim McGee, unmarried by Warranty Deed from Juan M. Flores, married, dated 12/30/04 and recorded 1/5/05 in Book 461, Page 2128, Registers Office for Rutherford County, Tennessee. This conveyance is made subject to any and all zoning regulations, building restrictions, setback lines, if any, easements and rights for public utilities applicable to this property. Taxes for the current year have been prorated and are assumed by the Grantee(s) herein. Parcel ID No.: 033LE01404 Map & Parcel No.: 033LE01404 PROPERTY ADDRESS: 293 Country Village Drive, Smyrna, Tennessee 37167 CURRENT OWNER(S): Laura Flores 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. 09-22023 /CONV Ad Run Dates: 10/16/2011, 10/23/2011 and 10/30/2011 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 # 15978

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, 2003, executed by Jimmy D. Kesey, Nina F. Kesey, conveying certain real property therein described to R. Rick Hart, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded August 1, 2003, in Deed Book 296, Page 2514-2530; 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 Suarez Serrano TN LLC, 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 Suarez Serrano TN LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 10, 2011 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: BEING ALL OF LOT NO. 103, RESUBDIVSION OF BRADFORD PLACE, ACCORDING TO PLAT AND SURVEY OF SAME APPEARING OF RECORD IN PLAT BOOK 17, PAGE 57, 58, & 59, 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. BEING THE SAME PROPERTY CONVEYED TO NINA. F. KESEY AND HUSBAND JIMMY D. KEYSEY, BY THE DEED OF RECORD IN DEED BOOK 592, PAGE 621, OF THE SAID REGISTER`S OFFICE. PARCEL ID: 068IA02000 PROPERTY ADDRESS: The street address of the property is believed to be 2602 KELLY CLOSE, MURFREESBORO, TN 37130. 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): Jimmy D. Kesey, Nina F. Kesey 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 Suarez Serrano TN LLC, 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 #16115: 2011-10-16  2011-10-23, 2011-10-30

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 4, 2004, executed by RUSSELL GREGSON AND STACEY L. GREGSON, conveying certain real property therein described to AMERICAN TITLE COMPANY, INC., as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded October 18, 2004, in Deed Book 437, Page 2077-2091; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS,INC., ASSET-BACKED CERTIFICATES, SERIES 2004-12 who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose, if required pursuant to T.C.A. s 35-5-117, was given in accordance with Tennessee law; and WHEREAS, the undersigned, Rubin Lublin Suarez Serrano TN LLC, 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 Suarez Serrano TN LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 22, 2011 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: PROPERTY LOCATED AT 204 SUTTER COURT, SMYRNA, RUTHERFORD COUNTY, TENNESSEE 37167 AND: LAND IN RUTHERFORD COUNTY, TENNESSEE BEING LOT NO. 57 ON THE PLAN OF BRANDYWINE SUBDIVISION, PH II, A PLANNED UNIT DEVELOPMENT, AS OF RECORD IN PLAT BOOK 17, PAGE 52, REGISTER`S OFFICE FOR SAID COUNTY, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE COMPLETE AND ACCURATE LEGAL DESCRIPTION. BEING THE SAME PROPERTY CONVEYED TO RUSSELL GREGSON ON 09/13/98, BY DEED FROM THOMAS CRAIG CALLAHAN AND WIFE, ANGELA M. CALLAHAN, FILED FOR RECORD ON 01/07/99, IN BOOK 640, PAGE 626, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. PARCEL ID: 033L-D-005.00 PROPERTY ADDRESS: The street address of the property is believed to be 204 SUTTER COURT, 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): RUSSELL GREGSON OTHER INTERESTED PARTIES: UNION PLANTERS BANK, NA , BENEFICIAL TENNESSEE, INC., HUNTERS CHASE C/O GASSER PROPERTY MANAGEMENT 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 Suarez Serrano TN LLC, 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

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 21, 2004, executed by MICHAEL J. VANCE AND SUZANNE VANCE, conveying certain real property therein described to ARNOLD M. WEISS, ATTORNEY, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded September 23, 2004, in Deed Book 430, Page 1989-2003; 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 CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2004-09 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 Suarez Serrano TN LLC, 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 Suarez Serrano TN LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 22, 2011 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. 69, FINAL PLAT-SECTION III, WILKERSON TRACE, OF RECORD IN PLAT BOOK 27, PAGE 165, REGISTER`S OFFICE FOR SAID COUNTY, TO WHICH REFERENCE IS MADE FOR A MORE COMPLETE AND ACCURATE DESCRIPTION OF SAID LOT. BEING PART OF THE SAME PROPERTY CONVEYED TO JONES CONSTRUCTION CO., A PARTNERSHIP BY DEED OF RECORD IN BOOK 395, PAGE 1052, SUSIE VANCE EXECUTES THIS DOCUMENT, WITH THE CONSENT OF THE GRANTOR SPOUSE, FOR THE PURPOSE OF WAIVING HOMESTEAD AND/OR OTHER MARITAL RIGHTS THAT MAY BE GRANTED TO A SPOUSE BY LAW IN THE PROPERTY AND/OR WHICH MIGHT BE ASSERTED AGAINST THE TRUSTEE, BENEFICIARY, MORTGAGEE, OR THEIR ASSIGNS IN ENFORCING ANY RIGHTS. PARCEL ID: 078L-C-002.00 PROPERTY ADDRESS: The street address of the property is believed to be 1737 COZUMEL COURT, 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): MICHAEL J. VANCE A/K/A MICHAEL JASON VANCE A/K/A MICHAEL VANCE OTHER INTERESTED PARTIES: CHARLES (BUSTER) GROSS C/O WM. KENNERLY BURGER-BURGER SCOTT & MCFARLIN AND ASCEND FEDERAL CREDIT UNION SUZANNE VANCE, Bullock, Fly & Hornsby 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 Suarez Serrano TN LLC, 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 #16404: 2011-10-30  2011-11-06, 2011-11-13

FORECLOSURE SALE NOTICE

WHEREAS, William R. Duarte and wife, Lisa A. Duarte, by a Deed of Trust, dated June 18, 2008, of record in Record Book 852, Page 3499, Register’s Office for Rutherford County, Tennessee, conveyed to Randall Clemons, Trustee, the hereinafter described real property to secure payment of a promissory note as described in said Deed of Trust; and 

The lender has complied with TCA 35-5-117 by mailing debtor Notice of Right to Foreclose.

WHEREAS, Robert Evans Lee having been appointed Substitute Trustee by Wilson Bank & Trust, the owner and holder of said note by an instrument of record in Record Book 1085, Page 2517, Register’s Office for Rutherford County, Tennessee, with authority to act alone with the powers given the Trustee; and

WHEREAS, default having occurred with respect to the note secured by the Deed of Trust, and the full balance owing having been accelerated; and

WHEREAS, Wilson Bank & Trust, as the owner and holder of said note, has demanded that the real property covered by the Deed of Trust be advertised and sold in satisfaction of said debt and the cost of the foreclosure, in accordance with the terms and provisions of said note and Deed of Trust;

NOW, THEREFORE, notice is hereby given that I, Robert Evans Lee, Substitute Trustee, pursuant to the power, duty and authority vested in and imposed upon me in said Deed of Trust, will on December 2, 2011 at 2:00 PM., Central Time, at the front door of the Courthouse in Murfreesboro, Rutherford County, Tennessee, offer for sale to the highest and best bidder for cash and free from all rights and equity of redemption, statutory or otherwise, homestead, dower and all other rights and exemptions of every kind as provided in said Deed of Trust, certain real property situated in Rutherford County, Tennessee, described as follows:

Land in Rutherford County, Tennessee, being all of Lot No. 86, on the Final Plat, Farmington, Section Four, as shown by plat appearing of record in Plat Book 32, page 19, of the Register’s Office of Rutherford County, Tennessee, to which plat reference is hereby made for a more complete details of said lot.

Being the same property conveyed to William R. Duarte and wife, Lisa A. Duarte, by deed from L & S Construction, LLC, a Tennessee Limited Company as of record in Record Book 852, Page 3497, Register’s Office for said County.

Subject property has the address of 208 Old Orchard Drive, Lascasses, TN  37085

The right is reserved to adjourn the day of sale to another day and time certain, without further publication and in accordance with law, upon announcement of said adjournment on the day and time and place of sale set forth above, and/or to sell to the second highest bidder in the event the highest bidder does not comply with the terms of the sale.

Substitute Trustee will make no covenant of seisin or warranty of title, express or implied, and will sell and convey the subject real property by Successor Trustee’s Deed, as Substitute Trustee only.

THIS sale is subject to all matters shown on any applicable recorded Plat or Plan; any unpaid taxes which exist as a lien against said property, including without limitation city and county property taxes; any restrictive covenants, easements or setback lines that may be applicable; any statutory rights of redemption not otherwise waived in the Deed of Trust, including rights of redemption of any governmental agency, state or federal; and any prior liens or encumbrances that may exist against the property.  This sale is also subject to any matter that an accurate survey of the premises might disclose.

INTERESTED PARTIES are Rutherford County Property Tax Division and Farmington Subdivision Homeowner’s Association, Inc.

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

THIS 18th day of October, 2011                                Robert Evans Lee, Substitute Trustee

Lee & Lee Attorneys at Law, P.C.

109 East Gay Street

Lebanon, TN  37087

615-444-3900

Run: October 23, 2011, October 30, 2011, November 6, 2011