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Legal/Public Notices for 12/30/12 - Substitute Trustee's Sales (1)

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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 Larry B. Shea and Elaine M. Shea to Cumberland Title, Trustee dated December 13, 2006 in the amount of $144,000.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1465433 , Deed Book 696, Page 3504-3530, ("Deed of Trust"); and, the beneficial interest of said Deed of Trust having been last transferred to Wells Fargo Bank, N.A. as Trustee for the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates Series 2007-3 by assignment; and, Wells Fargo Bank, N.A. as Trustee for the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates Series 2007-3, 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, January 24, 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: Being Lot No. 25, Section I, St. Johns Wood, as shown by plat of record in Plat Book 13, Page 252, 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 Larry B. Shea and Elaine M. Shea, husband and wife by Deed from Charles K. Aldridge and wife, Eloise M. Aldridge as of record in Record Book 696, Page 3502, Registers Office for said County. Parcel ID No.: 028KB-011 Map & Parcel No.: 028KB-011 PROPERTY ADDRESS: 123 Saint Michaels Lane, Smyrna, Tennessee 37167 CURRENT OWNER(S): Larry B. Shea and Elaine M. Shea 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. 12-00584 /CONV Ad Run Dates: 12/30/2012, 1/6/2013 and 1/13/2013 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 # 42731

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 February 12, 2010, executed by JASON CUNNINGHAM, MELANIE CUNNINGHAM, conveying certain real property therein described to JOSEPH B. PITT, JR, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded March 4, 2010, in Deed Book 977, Page 3903-3912; 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 January 24, 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: TAX ID NUMBER(S) 50 C-C-25.00 LAND SITUATED IN THE COUNTY OF RUTHERFORD IN THE STATE OF TN LAND IN RUTHERFORD COUNTY, TENNESSEE BEING LOT NO. 259 ON THE PLAN FINAL PLAT OF SECTION X, SEVEN OAKS, OF RECORD IN PLAT BOOK 27, PAGE 119, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAN REFERENCE IS HEREBY MADE FOR A COMPLETE AND ACCURATE DESCRIPTION THEREOF. BEING THE SAME PROPERTY CONVEYED TO JASON CUNNINGHAM AND MELANIE CUNNINGHAM, HUSBAND AND WIFE, BY DEED DATED 9/2/2004 OF RECORD IN DEED BOOK 427, PAGE 2511, IN THE COUNTY CLERK`S OFFICE. COMMONLY KNOWN AS: 1302 KAISER DRIVE, SMYRNA, TN 37167 Parcel ID: 50 C-C-25.00 PROPERTY ADDRESS: The street address of the property is believed to be 1302 KAISER DRIVE, 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): JASON CUNNINGHAM, MELANIE CUNNINGHAM 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 #42693: 2012-12-30  2013-01-06, 2013-01-13  

NOTICE OF SUBSTITUTE TRUSTEE’S SALE
WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated May 20, 2008, executed by SHELONDO T. GRUBBS, AND WIFE AND STEPHANIE D. GRUBBS, conveying certain real property therein described to STEWART TITLE OF TENNESSEE, INC. as same appears of record in the Register's Office of Rutherford County, on May 22, 2008, as Instrument No. 1565069, in Book 844, at Page 3189; 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 (“Notice”) was given in compliance with Tennessee law by the mailing a copy of the Notice to the parties at least sixty (60) days prior to the first publication of the Substitute Trustee’s Sale. WHEREAS, the undersigned, RECONTRUST COMPANY, N.A., having been appointed by as Substitute Trustee by instrument 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, RECONTRUST COMPANY, N.A., as Substitute Trustee or its duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on January 22, 2013, 2:00 PM at the Rutherford County courthouse door where the foreclosure sales are customarily held At the Rutherford County Courthouse, Murfreesboro, TN, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Rutherford County, Tennessee, to wit: LAND IN RUTHERFORD COUNTY, TENNESSEE, BEING ALL OF LOT NO. 138, ON THE PLAN RESUBDIVISION LOT 2, METROPOLITAN FEDERAL SUBDIVISION , OAK VALLEY, SECTION II, AS SHOWN BY PLAT APPEARING OF RECORD IN PLAT BOOK 13, PAGE 279, AS CORRECTED BY SURVEYOR'S CERTIFICATE OF CORRECTION OF RECORD IN DEED BOOK 453, PAGE 724, OF THE REGISTER'S OFFICE OF RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR MORE COMPLETE DETAILS OF SAID LOT. PARCEL # 033L C 01400 PROPERTY ADDRESS: The street address of the property is believed to be 126 HERMITAGE DRIVE, 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): SHELONDO T GRUBBS AKA SHELONDO GRUBBS and STEPHANIE GRUBBS AKA STEPHANIE D GRUBBS 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. RECONTRUST COMPANY, N.A. IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. RECONTRUST COMPANY, N.A., Substitute Trustee 2380 Performance Dr, TX2-984-0407 Richardson, TX 75082 Tel: (800) 281-8219 Fax: (866) 681-5002 Registered Agent: CT Corporation System 800 South Gay Street, Suite 2021 Knoxville, TN 37929 Tel: (865) 342-3522 TS#:09-0133354 FEI #1006.67769 12/30/2012, 01/06/2013, 01/13/2013­

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, January 17, 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: 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 LEINHOLDERS: 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: 12/23/2012, 12/30/2012, and 1/6/2013 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 # 42541

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 Melinda B. Lohr to Cumberland Title, Trustee dated November 17, 2006 in the amount of $80,000.00, and recorded in the Register's Office of Rutherford County, Tennessee in Instrument No. 1460852, Deed Book 689, Page 1683-1702, ("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 2007-KS2 by assignment; and, U.S. Bank National Association as Trustee for RASC 2007-KS2, 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, January 17, 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: Situated in Civil District Number Three (3) of Rutherford County, Tennessee and within the corporate limits of the City of LaVergne, Tennessee and being known as all of Lot Number One Thousand and Fifteen (1015) of the HORIZONTAL PROPERTY REGIME PRIVATE ELEMENT PLAT OF THE COTTAGES OF LAKE FOREST PHASE ONE as the same appears of record in Plat Book 26, Page 115, Registers Office of Rutherford County, Tennessee, to which Plat specific reference is hereby made for a more particular description. Being the same property conveyed to Melinda B. Lohr, unmarried by deed from Ole South Properties, Inc. of record in Record Book 396, Page 686, dated April 28, 2004 Registers Office for said County. Parcel ID No.: 014J C 00100 Map & Parcel No.: 014J C 00100 PROPERTY ADDRESS: 8008 Logan Drive, La Vergne, Tennessee 37086 CURRENT OWNER(S): Melinda B. Lohr SUBORDINATE LEINHOLDERS: U.S. Bank, 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. 12-08767 /CONV Ad Run Dates: 12/23/2012, 12/30/2012, and 1/6/2013 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 # 42537

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 KHAMPHIOU KHENESISANA AKA KAMPHIO KHENESISANA, TERRY KHENESISANA, conveying certain real property therein described to STEWART TITLE OF TN, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded November 3, 2005, in Deed Book 560, Page 3539-3563; 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 BENEFIT OF THE CERTIFICATEHOLDERS OF THE CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2006-BC1 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 January 17, 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. 25, ON THE PLAN OF AMENDMENT PLAT, SECTION 1, WESTHAVEN ESTATES, AS SHOWN BY PLAT APPEARING OF RECORD IN PLAT BOOK 27, PAGE 263, OF THE REGISTER`S OFFICE OF RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR MORE COMPLETE DETAILS OF SAID LOT. BEING PART THE SAME PROPERTY CONVEYED TO TERRY KHENESISANA AND KHAMPHIO KHENESISANA, HUSBAND AND WIFE, BY WARRANTY DEED DATED OCTOBER 31, 2005 OF RECORD IN THE RECORD BOOK 560, PAGE 3537, SAID REGISTER`S OFFICE. Parcel ID: 101NE01700 PROPERTY ADDRESS: The street address of the property is believed to be 2719 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): KHAMPHIOU KHENESISANA AKA KAMPHIO KHENESISANA, TERRY KHENESISANA OTHER INTERESTED PARTIES: Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Ownit Mortgage Solutions, Inc., Specialized Loan Servicing LLC 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 #42446: 2012-12-23  2012-12-30, 2013-01-06  

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 7, 2005, executed by MICHELLE R. BAILEY, conveying certain real property therein described to HERITAGE TITLE SERVICES, as Trustee, as same appears of record in the Register's Office of Rutherford County, Tennessee recorded May 17, 2005, in Deed Book 500, Page 898-918; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to HSBC BANK USA, N.A., AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE NOMURA HOME EQUITY LOAN, INC., ASSET-BACKED CERTIFICATES, SERIES 2005-FM1 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 January 10, 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 CIVIL DISTRICT NUMBER TWO (2) OF RUTHERFORD COUNTY, TENNESSEE AND WITHIN THE CORPORATE LIMITS OF THE CITY OF LAVERGNE, TENNESSEE AND BEING KNOWN AS ALL OF LOT NUMBER FOUR THOUSAND SIX HUNDRED THIRTY (4630) OF THE FINAL PLAT, PHASE FORTY SIX, LAKE FOREST ESTATES AS THE SAME APPEARS OF RECORD IN PLAT BOOK 27, PAGE 276, REGISTER`S OFFICE OF RUTHERFORD COUNTY, TENNESSEE, TO WHICH PLAT SPECIFIC REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION. BEING THE SAME PROPERTY CONVEYED TO MICHELLE R. BAILEY, UNMARRIED BY WARRANTY DEED FROM GREENVALE CONSTRUCTION, LLC, A TENNESSEE LIMITED LIABILITY COMPANY, OF RECORD IN RECORD BOOK 500, PAGE 895, REGISTER`S OFFICE FOR RUTHERFORD COUNTY, TENNESSEE. Parcel ID: 014C B 04800 PROPERTY ADDRESS: The street address of the property is believed to be 1225 SHANNON LN, 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): MICHELLE R. BAILEY OTHER INTERESTED PARTIES: HSBC BANK USA, NATIONAL ASSOCIATION AS TRUSTEE FOR THE HOLDERS OF THE NOMURA HOME EQUITY LOAN, INC. ASSET-BACKED CERTIFICATES, SERIES 2005-FMI 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 #42359: 2012-12-16  2012-12-23, 2012-12-30  

FORECLOSURE SALE
Default having been made by failure to comply with the terms and conditions of a certain Deed of Trust dated July 5, 2006, executed by Nelson C. Baker and wife, Linda M. Baker, recorded in Record Book 641, Page 1695, Register’s Office for Rutherford County, Tennessee, and wherein the said Nelson C. Baker and wife, Linda M. Baker conveyed the property therein described to Stewart Title of Tennessee, Inc., Trustee, to secure the indebtedness therein described, and the entire indebtedness having been declared due and payable as provided in said Deed of Trust and note, and payment not having been made as demanded; and the undersigned, Joel E. Jordan, of 3326 Aspen Grove Drive #604, Franklin, Tennessee 37067, having been appointed as Substitute Trustee in the place and stead of Stewart Title of Tennessee, Inc., Trustee, said appointment being set forth in the Register’s Office for Rutherford County, Tennessee, notice is hereby given that I, Joel E. Jordan, Substitute Trustee, having been requested so to do by the lawful owner of said indebtedness, will on Tuesday, January 22, 2013, at 12:00 Noon at the East door of the Rutherford County Courthouse, Murfreesboro, Tennessee, sell at public outcry to the highest and best bidder for cash, free from equity of redemption, homestead and dower, and all other exemptions of every kind, all of which are expressly waived in said Deed of Trust, the following described real estate in Rutherford County, Tennessee:
Land in Rutherford County, Tennessee, being all of Lot No. 11, on the Plan of Everbrite Point, as shown by plat appearing of record in Plat Book 29, Page 247, of the Register’s Office of Rutherford County, Tennessee, to which plat reference is hereby made for more complete details of said Lot No. 11.
Being the same property conveyed to Nelson C. Baker and Linda M. Baker, Husband and Wife, by Warranty Deed from Ashley Segroves, Married, dated July 5, 2006 and recorded in Record Book 641, Page 1686, Register’s Office of Rutherford County, Tennessee.
This is improved property known as 1403 Sunray Drive, Murfreesboro, Tennessee 37127.
The 2012 county and city taxes are currently due and payable.
The following person(s) or entity(ies) hold a Deed of Trust, lien or other encumbrance on the above described property: Ownit Mortgage Solutions, Inc. (MERS), Deed of Trust Record Book 641, Page 1716; City of Murfreesboro Notice of Lien, Record Book 1071, Page 3425
Said sale is subject to any and all unpaid taxes and any other prior claims, liens, easements, set back lines and restrictions.
THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICATION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE.  THE TRUSTEE/SUBSTITUTE TRUSTEE RESERVES THE RIGHT TO RESCIND THE SALE.
IN THE EVENT THE HIGHEST BIDDER DOES NOT HONOR THE HIGHEST BID WITHIN 24 HOURS, THE NEXT BIDDER AT THE NEXT HIGHEST BID WILL BE DEEMED THE SUCCESSFUL BIDDER.
THE NOTICE OF RIGHT TO FORECLOSE HAS BEEN SENT AS REQUIRED BY T.C.A. §35-5-117.
JOEL E. JORDAN, Substitute Trustee
STELTEMEIER & WESTBROOK, PLLC
3326 Aspen Grove Drive, #604
Franklin, Tennessee 37067
Insertion Dates:  December 23, 2012, December 30, 2012 and January 6, 2013
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