crisis in charities · 4/17/2020 · payroll for eight weeks plus provide funds ... environmental...

April 17-23, 2020, Vol. 13, Issue 16

CRISIS IN CHARITIESContributions to nonprofit organizations shrinking due to COVID-19 pandemic P. 2

FAYETTE • TIPTON • MADISONFORMERLY THE MEMPHIS NEWS

A Publication of The Daily News Publishing Co.

Jose Manuel Lopez (left) and Jonathan Martinez bring in more food stuffs as some 80 volunteers from Las Americas and Nueva Direccion Church rush to distribute food for 1000 families on April 10, 2020 from the Mid-South Christian College campus. Memphis charities are struggling in the wake of the coronavirus pandemic with donations down over $30 million to date despite the greater need for the services that they provide. (Jim Weber/The West Tennessee News)

WORKING FASTEvergreenUV working fast to fill orders for devices that will kill all known airborne pathogens, including COVID-19 P. 3

MOVING ALONG Medtronic's U.S. distribution network, which runs through Memphis, moving ventilators made in Ireland to hospitals battling coronavirus P. 3

2 April 17-23, 2020 The West Tennessee News

TOM BAILEYThe West Tennessee News

The pandemic had two huge and con-tradictory numbers colliding on Friday morning, April 10.

A new survey of about 300 Memphis nonprofits shows that their revenues are down $32 million so far this year compared to the first three months of 2019.

And for 2.5 miles, a motionless line of cars — most driven by out-of-work La-tinos — waited for hours in front of the ranch homes of Hickory Hill for a chance to receive enough free groceries to feed a family for a week.

As the need for charitable services grows because of the COVID-19 pandem-ic, contributions for those nonprofits are shrinking, also because of the virus.

The effects on Memphis nonprofits may last a long time, Larry Lloyd said.“I think things will change greatly,” said the Memphis Leadership Foundation chief executive. “There will be some nonprofits that won’t survive. There will be some that will merge, and that’s a good idea for some.

“And those that survive will be doing business very differently,” said Lloyd, whose Memphis Leadership Foundation incu-bates and provides back-office support for such nonprofits as Las Americas.

Las Americas organized Friday’s distri-bution of food which the Mid-South Food Bank dropped off in the parking lot of Mid-South Christian College, 3097 Knight Rd.

The first car in line had arrived at 3:30 a.m.By 10:45 a.m., when Las Americas vol-unteers started placing meats, vegetables, fruits, bread and other foods into the trunk

of that older model Honda CR-V, the line of vehicles stretched 2.5 miles: From Knight to Cottonwood to Goodlett to Knight Arnold.

“Nobody is going to come and wait four or five hours for food unless they really need it,” Las Americas executive di-rector Greg Diaz said while overseeing 80 volunteers.

With board and back-office support from Memphis Leadership Foundation, Diaz and his wife Daisy founded Las Ameri-cas about 15 years ago to help Latino youth in the Hickory Hill and Heights neighbor-hoods with mentoring, tutoring and char-acter-building. More than 500 children ages 6 to 18 are enrolled.

Food distribution to the poor has not been among Las Americas’ usual services, but COVID-19 has created unusual needs.

The effects on the Latino community are “terrible,” said Diaz, who also is senior pastor of Nueva Direccion Church. “People are losing their jobs. Many of them work in factories that are shutting down. Many in the restaurant business,” Diaz said be-tween the bullhorn-amplified instructions he gave to the volunteers.“You can go into a restaurant here in the Mid-South and if you peek into the kitchen, it’s a majority of Latinos who are its cooks, dishwashers, whatnot. They are out of work. The con-struction business is slowing down quite a bit,” Diaz said.

“And yet many of them do not qualify for any of the government help,” he said. “None of them is expecting a check to come in the mail.”Las Americas had orga-nized the previous Friday, April 3, to hand out a week of food for up to 500 families,

but another 750 families had to be turned away. So on this Friday, the nonprofit and Mid-South Food Bank prepared for 1,000 families.

“We are amazed at the need that there is among our community,” Diaz said. “We will serve 1,000 today and probably could serve 3,000 if we could. We do what we can do and will measure the need and hopefully be able to do more next week.”

The Memphis Leadership Foundation was not on site Friday helping to hand out pork, chicken, turkey, vegetables, fruits, breads and other foods. But the umbrella organization continued providing a strong,

invisible hand of support to Las Americas and 33 other Memphis-area nonprofits.

Diaz — not Memphis Leadership Foun-dation — founded Las Americas years ago. But the foundation’s board still oversees Las Americas and has incubated the non-profit by providing accounting, human resources, leadership training and other back-office functions.

“They truly have been a blessing,” Diaz said of Memphis Leadership Foundation. “They have been a great support from day one.”

“Our goal is to help people with a great mission,” Barry Maynard said of the foun-dation. He’s a commercial real estate bro-ker who is this year’s board president for Memphis Leadership Foundation.

“A lot of times they have got an idea and the will to do it, but know nothing about financing. We help nonprofits,” Maynard said.

But through the first three months of this year, Memphis Leadership Foundation revenues are down $300,000 compared to the same period last year, said Lloyd, who leads the umbrella nonprofit that operates with an $8.5 million yearly budget and 86 employees.

Memphis Leadership Foundation is known in the nonprofit world as an “inter-mediary,” or an organization that supports the front-line nonprofits. Among the many nonprofits that Memphis Leadership Foun-

dation incubated were Christ Community Health Services and Memphis Athletic Ministries.

Memphis Leadership Foundation has applied for $866,000 in federal relief from the pandemic’s effects through the Pay-check Protection Program, Lloyd said. The money will keep its employees on the payroll for eight weeks plus provide funds for employee benefits, leases, utilities and other expenses.

Lloyd credited another nonprofit inter-mediary, Momentum Nonprofit Partners,

Crisis in charities: Needs soar as donations fall

Some 80 volunteers from Las Americas and Nueva Direccion Church rush to distribute food for 1,000 families on April 10, 2020, from the Mid-South Christian College campus. (Jim Weber/The West Tennessee News)

Maria Lozano (left) and Otilia Wood portion out fresh parsley as some 80 volunteers from Las Americas and Nueva Direccion Church rush to distribute food for 1,000 families on April 10, 2020, from the Mid-South Christian College campus. (Jim Weber/The West Tennessee News)

charities continued on P4

April 17-23, 2020 3The West Tennessee News

TONI LEPESKAThe West Tennessee News

What if the coronavirus could be stopped in its tracks before being breathed, before being touched, before killing a neighbor, a co-worker, or a be-loved friend or parent?

It’s not a fantasy. A Memphis company is working as fast as it can to fill orders for devices that will kill all known airborne pathogens, including COVID-19.

What’s the fatal ingredient? Light, specifically ultraviolet light generated at the UVC spec-trum (280 to 320 nanometers). It makes pathogens sterile. They cannot reproduce. They can-not sicken. They cannot kill. They cannot terrorize a city or a country.

“Half a second exposure, it’s neutralized. It cannot replicate or colonize or harm,” said David Skelton, owner of EvergreenUV Environmental Disinfection at 1931 Thomas, which uses the Lumalier brand of fixtures.

There’s one hiccup. Finding the supplies for the UVC germi-cidal air disinfection units is dif-ficult right now due to demand and supply chain disruptions. Lamps, or bulbs, are the criti-cal component and the hardest part to find.

Skelton is anxious to get

the bulbs because orders for the UVC devices have skyrock-eted. Everyone wants to kill the coronavirus.

“Last year we sold 30,” Skel-ton said. “Right now, as we speak, I have 1,100 on order. And they all want them now. I’m not even able to go to lunch. The phones don’t stop. Everyone is in crisis mode, and we have the solution.”

A portable version of the de-vice looks a little like a bug light. A circular cage surrounds the UVC bulbs, which emit a bluish light. The cage and bulbs sit on a base with a touch screen control panel. A unit made for perma-nent installation in ambulances and other vehicles is rectangular.

EvergreenUV also sells units for installation with air condi-tioning systems and other UV products.

The cost of a UVC unit starts at about $1,800 and rises to about $4,000. EvergreenUV typi-cally sells the units through its distributors and direct mail to customers.

Because UVC light may burn the eyes, a unit can only be used in an empty room or empty ve-hicle. However, an air-condition-ing system unit can purify air in an occupied space.

The technology, which can be suited for institutions, busi-nesses and residences, isn’t an unknown.

According to the Interna-tional Ultraviolet Association, which added a COVID-19 page to its website, ultraviolet light is a “known disinfectant for air, water and surfaces” and can help mitigate the risk of a coronavirus contact infection “when applied correctly.”

Despite the history of germi-cidal light, installation of UVC units has been a lower priority for many decision-makers. That is, until the coronavirus began circling the globe. The 50 UVC bulbs that EvergreenUV keeps in stock were swiftly depleted.

“We’re having to go all over the world,” said Skelton, who spends his days searching for the special lamps. “I’m buying bulbs out of Italy, Hungry, Poland and Japan. I’m buying whatever I can buy.”

He’s got 6,000 bulbs on order from his usual supplier, a Phillips manufacturing plant in Poland, but there hasn’t been a shipment in 60 days.

“I could throw bodies at it,” said Skelton, who has increased his typical work crew of 14 by a full-time employee and four on-call part-timers. “We could hire

even more if we had the parts available. We just picked up a vendor on Presidents Island. Our problem is not people but find-ing the supplies.”

The government is his big-gest customer. Typically, Ever-greenUV installs them in places like executive and legislative buildings and in prisons, but this week a branch of the military called. That’s all hush-hush right now. No orders yet.

He also puts UVC devices in hospitals. The Veterans Admin-istration health care system re-cently placed an order for 650 of the germ-killing light machines.

Another company wants them for ambulances.

“In back of an ambulance or in a bus at five feet away, takes about 18 seconds to kill,” Skelton said. “Take it in a bigger room, the longer it takes. If the area is shadowed 50%, it takes twice as long.”

EvergreenUV products were placed in all University of Mem-phis administration buildings and classrooms (not the dorms) about 10 years ago, Skelton said. Methodist Germantown-Hospi-tal also has been a client.

WAYNE RISHERThe West Tennessee News

A FedEx Supply Chain facility in Olive Branch is handling U.S. distribution of ventilators from medical device maker Medtronic’s ramped-up production lines in Galway, Ireland.

Medtronic, which develops and makes spinal surgery products in Memphis, has been in the news because of an open source initiative to support ventila-tor production by other manufacturers globally.

While the Memphis spinal unit isn’t involved in ventilator production, Medtronic’s Memphis area distribution facilities have been busy moving critical equipment, including ventilators, to hos-pitals around the U.S.

With demand for ventilators rising because of COVID-19, Medtronic is on track to boost the Galway facility’s output at least five-fold. It’s pushing to produce more than 1,000 ventilators a week by the end of June.

Two ventilator models, the Puritan Bennett (PB) 980 and PB560, are produced

at Galway and distributed through the Ol-ive Branch third-party logistics center op-erated by FedEx Supply Chain.

“The FedEx Supply Chain facility in Olive Branch, MS., receives and distrib-utes a number of our products, including ventilators which are manufactured in Galway, Ireland and then shipped to the Olive Branch 3PL facility,” a Medtronic statement read.

“Medtronic employees receive the ventilators and then distribute them to hospitals with the greatest medical need across the U.S.”During the week of March 30, Medtronic made design specifications for the PB560 available under an open source initiative to other companies that want to produce ventilators.

Medtronic said April 8 it had received more than 90,000 registrations for the specifications, and it reported “mean-ing ful progress” with Baylis Medical Company Inc. in Ontario, Canada, the global manufacturer Foxconn Technology Group and Vingroup Joint Stock Com-pany in Hanoi.

The PB560 ventilator is a compact,

lightweight, portable unit that can be used in clinical settings or homes and sells for less than $10,000 on average.

Medtronic recently received U.S. Food and Drug Administration emergency authorization to offer the PB560 in the U.S.Medtronic also is in a limited U.S. market release of technology, developed in collaboration with Intel, that enables clinicians to remotely adjust ventilator settings on the PB980, avoiding exposure to COVID-19 patients. The limited release was in two U.S. hospitals.

Medtronic’s push on ventilator sup-plies and technology came as company of-ficials distanced Medtronic from a failed attempt to develop a mid-priced venti-lator starting a decade ago.Medtronic’s Minimally Invasive Therapies unit, which makes ventilators in Galway, resulted from the 2015 acquisition of Covidien. In 2013, Covidien acquired Newport Medi-cal, toward the end of Newport’s three-year agreement with the U.S. government to develop a full-featured ventilator that could be made at a unit cost of $3,000.

N e w p o r t / C o v i d i e n a n d t h e

government ended their contract in No-vember 2013 without meeting the ob-jective. The New York Times mentioned Medtronic in a March 29 article, “The U.S. Tried to Build a New Fleet of Ventilators. The Mission Failed.”

A Medtronic statement about the arti-cle said, “Medtronic, who had no relation-ship with Newport Medical and who did not purchase Covidien until 2015 – nearly three years after the contract dissolved – had no prior knowledge of or involvement in this contract in any manner.”

Sky-high demand for ventilators is an example of how the coronavirus pan-demic is cutting both ways for the medical device industry.

A suspension of elective surgeries has tamped down demand for some of the products made by the Memphis area’s 18,000 or so employees of medical device makers and suppliers.

The result has been a downgrade of the industry’s profit forecasts for an in-definite time.However, longer-term pros-pects are still bright, as analysts foresee

Ventilators among life-saving gear moving through Memphis area

Orders at EvergreenUV skyrocket in pandemic

EvergreenUV Environmental Disinfection employee Claudine Duncan assembles a UVC unit for shipping on Tuesday, April 7. (Mark Weber/The West Tennessee News)

evergreen continued on P4

ventilators continued on P4

4 April 17-23, 2020 The West Tennessee News

ACROSS1 Music for a

movie6 Dance maneuver

10 Kind of carpet14 Casanova, for

one15 Distinctive air16 Sullen look17 1836 battle site18 Fingerboard

ridge19 It follows that20 Magic charm22 Kind of monkey24 Stadium section25 New parents'

need26 Quirky29 Italian dressing

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stickers38 Not forthright 2 Vending 36 Hollywood's 48 Expire39 Word with arm machine item Bruce or Laura 49 Visibly happy

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duckling way64 ____ with 23 It grows on you

(tolerate) 25 Refuse65 Large pitcher 26 "My bad!"66 Apportion, with 27 Tap trouble

"out" 28 Sup in style67 Token taker 30 String instrument

32 Moving stairway DOWN 34 "Ad Astra" star

1 Blind segment 35 Inkling

Week of 4/20/20 - 4/26/20

The Weekly Crossword by Margie E. Burke

Copyright 2020 by The Puzzle Syndicate

Answers to Last Week’s Crossword:

1 2 3 4 5 6 7 8 9 10 11 12 13

14 15 16

17 18 19

20 21 22 23

24 25

26 27 28 29 30

31 32 33 34 35 36

37 38 39

40 41 42 43 44

45 46 47

48 49 50 51 52

53 54 55 56 57

58 59 60 61

62 63 64

65 66 67

O V E R P L A N S T I E SB I L E L O B O P I N T OE S O P H A G U S I N V A RS I P H O N T E L E C A S TE T E R N A L D E G A S

A E R I E M E N I A LP R O S Y N A V A L O N EL O V E K E V I N A N N AU S E L O N E R C A S E DM A R K E R S U G A R

D I N A R S A N D B A RM A R T I N E T R A V A G EE L I T E C H A R L A T A NS E V E N A O N E R O P ES C E N T P U T T K N E W

Week of 4/20/20 - 4/26/20

SUDOKU Edited by Margie E. Burke

Copyright 2020 by The Puzzle Syndicate

Difficulty: Easy HOW TO SOLVE:

Answers to Last Week’s Sudoku:

Each row must contain the numbers 1 to 9; each column must

contain the numbers 1 to 9; and each set of 3 by 3 boxes must contain the numbers 1 to 9.

88 44 77 1199

44 22 9933 77

99 66 55 335522 55 66

77 33 2211 88 44

33 11 88 77 99 66 44 55 2266 77 44 22 55 88 11 99 3355 22 99 44 33 11 66 88 7744 55 11 99 66 77 22 33 8888 66 77 33 22 55 99 11 4499 33 22 88 11 44 77 66 5577 99 66 55 44 33 88 22 1122 44 33 11 88 99 55 77 6611 88 55 66 77 22 33 44 99

charities continued from P2

And though Skelton has pitched the UVC product in Memphis for years, the bulk of his company’s business comes from places like California and Kentucky.

Skelton got into the business of sell-ing UVC devices in 2004 after a personal brush with its effectiveness. After his father died, he moved his mother from Florida to Memphis. She had a chronic lung disease, COPD. He had a UVC unit installed to improve the air quality.

“My mom went from a wheelchair to a walker to a cane,” Skelton said.

Anytime an epidemic arises, such as SARS, EvergreenUV’s sales spike, but this pandemic – Skelton’s never seen anything like this.Steve Chandler, owner of At Last Pest Control in Memphis, typically gets calls about bugs people can see, but now he’s selling UVC units to kill bugs people cannot see.“I sold 20 units yesterday. That’s huge,” said Chandler, who tells cus-tomers the wait is four to five weeks. “The heightened interest is ridiculous. The weird part about this is it almost sounds like snake oil, but this stuff works. I’ve had one in my house for 15 years.”

Neil Zeid works for a St. Louis area company, EA Medical LLC, which plugs EvergreenUV ’s products to the EMS and first-responder markets. His cli-ents include ambulance users and manufacturers.“UVC light gets all the hard-to-reach spots. It only takes minutes to use,” Zeid said. “It’s an ideal product. Right now, people are ordering them as fast as they can.

“The business is a record-selling busi-ness,” he said, “but what about the next one? We better be prepared.”

for providing the estimate that the revenue of local nonprofits is down $32 million so far this year. The figure is based primarily on a survey of 300 organizations, Lloyd said, adding that arts-related organizations have taken much of the hit.Foundations that provide much of the funding have lost a lot of money. Corporations likely have cut back on their giving, Lloyd said.“And individual donors, I think, are scared,” he said. “They’re losing their jobs, and the furloughs.”

Lloyd does not expect things to stay the same for nonprofits, even after a COVID-19 vaccine is created and the economy recov-ers.Memphis Leadership Foundation’s staff and board oversee 14 nonprofits, like Las Americas, until they are ready to form their own 501 (c)(3) structures and board. The foundation also provides back-office sup-port to another 20 organizations.Among the lasting changes will be “pandemic policies,” Lloyd said. The foundation re-ceives government funding for some of its organizations. Recently, the foundation has been required to have a pandemic policy to continue to receive the support.One new requirement is that organizations have a succession plan in case the chief executive or board chair contracts the virus.Lloyd lik-ens the effects of COVID-19 to a blizzard, a winter season and possibly an ice age.“Now, we are in a blizzard,” he said. “Everything is changing rapidly like a hurricane. There’s relief that needs to plug the gaps and stay alive.”After a blizzard comes the winter. “That’s when things die down and you start recovering,” he said. “If possible, you avoid the ice age.”COVID-19 would have an ice-age effect if “winter sets in and things shut down for good,” he said.

evergreen continued from P3

continuing technological innovation, particular in minimally invasive proce-dures and products, fueling growth after the COVID-19 threat subsides.Moody’s Investors Service in mid-March reduced the outlook for the U.S. medical device in-dustry from “positive” to “stable” because of lower sales.“We expect a pullback in consumption in the first half of the year, followed by a moderate recovery, assum-ing global efforts to arrest the spread of coronavirus are successful,” Moody’s se-nior vice president Scott Tuhy said.

Dublin-based Medtronic employs about 1,400 at its spinal unit in Mem-phis, which includes the Pyramid office campus off Brooks Road in the White-haven area.

The office campus is currently closed to non-essential external visitors and non-business-critical employees. A ma-jority of Pyramid campus employees are able to work from home.A small number in the Spine Research & Development lab are still reporting to the office because their jobs are hands-on and require spe-cialty equipment. Medtronic is screening people entering the campus, encouraging social distancing and frequently cleaning and sterilizing work areas.The Medtronic Memphis Distribution Center on Swin-nea Road handles U.S. and global orders for the Cardiac & Vascular Group and Restorative Therapies Group products, said Eric Epperson, Medtronic senior director, communications, Restorative Therapies Group.

The center is operating at full capacity “to ensure our life-restoring therapies are available to patients who need them,” Ep-person said. Included are products used in the treatment of stroke, atrial fibril-lation, coronary artery disease, chronic pain and other diseases.The distribution center is subject to a range of protective measures including staggered breaks to reduce crowds in common areas.Roy Smith, executive director of the Great-er Memphis Medical Device Council, said the Memphis area’s original equip-ment manufacturers have continued production with limited impact from coronavirus.

“This is likely a result of that most of the Memphis OEMs serve global markets and also have trauma products within their portfolios that aren’t impacted by the delays associated with elective sur-geries,” Smith said.

“A large number of the device com-panies in the Memphis area are contract manufacturers, meaning they provide ad-ditional capacity to the industry but do not provide products directly to hospitals or surgery centers. Depending on their customers, these companies are the most at risk due to the delay of elective sur-geries,” Smith said.Some area businesses have been approached about helping produce personal protective equipment for front-line medical workers, he said.

“While there has been an openness to helping, the international providers have ramped up significantly to meet the needed PPE,” Smith said.

“There are more than 8,000 Mem-phians who work for medical device com-panies and another 10,000 who work for companies that provide goods and ser-vices to the industry,” he continued.

“The sooner this pandemic is over, the better it will be for those directly affected by the virus and those whose livelihood is impacted by it.”

ventilators continued from P3

The West Tennessee NewsJanuary 30-February 5, 2015 29www.thememphisnews.com

public notices

5April 17-23, 2020

Foreclosure NoticesMadison County

you must bring sufficient funds to out-bid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the pur-chaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or marketability of title.

This office may be a debt collector. This may be an attempt to collect a debt and any information obtained may be used for that purpose.

Shapiro & Ingle, LLPSubstitute Trustee

10130 Perimeter Parkway, Suite 400Charlotte, NC 28216

Phone: (704) 333-8107Fax: (704) 333-8156

www.auction.comFile No. 20-120227Apr. 3, 10, 17, 2020 Fpn14534

SUBSTITUTE TRUSTEE’S NOTICE OF SALEOF REAL ESTATE

Default having been made in the payment of the debts and obligations secured to be paid in a certain Deed of Trust, executed the 19th day of July, 2012, Edwin Crouthers and spouse, Jamie Crouthers, to H. McCall Wilson, Jr., as Trustee as the same appears of record in the Office of the Register of Madison County, Tennessee, at Book T1931, Page 407. Thomas M. Minor was thereafter appointed Substitute Trustee by Appointment of Substitute Trustee of record at Book T2115, Page 1170 in the said Register’s Office of Madison County, Tennessee. Whereas, The Bank of Fayette County, being the owners of the debt secured by said Deed of Trust, having requested the undersigned to advertise and sell the property described in and conveyed by said Deed of Trust, all of said indebtedness having matured by a default in the payment of the debt and obligations secured, at the option of the Owner, after being authorized to proceed with a sale under the aforesaid Deed of Trust in the event of a default there under, this is to give notice that the undersigned will on Wednesday, the 6th day of May, 2020, at 11:00 a.m.at the front door of the Madison County Courthouse in Jackson, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Madison County, Tennessee, to wit:

Tract 1:Beginning at the intersection of Sycamore Street and West Alley on the north side of Sycamore Street and the east side of West alley; runs thence East with Sycamore Street 56 feet to a stake; thence North 88 feet to a stake; thence West 56 feet to a stake in an alley; thence South 88 feet to the point of beginning. Included in the above description but excluded from this conveyance is the Parcel of property conveyed to the City of Jackson by Deed of Record in Deed Book 224, Page 424, in the Register’s Office of Madison County, Tennessee, as described as follows: Beginning at a stake in the south boundary line of the Stegall lot the same being the northwest corner of the Estes Lot and the Northeast corner of the Subject lot; thence South 3 degrees 30 minutes East with the Estes west boundary line 15 feet +/- to a stake, the same being a point in control access and fence; thence North 63 degrees 11 minutes West 31 feet +/- to a stake in the south boundary line of the Stegall lot, the same being the end of control access and fence; thence North 86 degrees 30 minutes East

with Stegall’s south boundary line 25 feet +/- to the beginning, containing 200 square feet. Tract 2:Beginning in the north margin of Syca-more Street at a point 102 feet west of Shannon Street at the southwest corner of Beare Ice and Coal Company lot, runs thence North with the west line of said Beare Ice and Coal Com-pany lot 88 feet, more or less, to the southeast corner of Mrs. Alex Stegall’s lot; thence West with Alex Stegall’s south line 51 feet to a stake; thence south 88 feet to the north margin of Sycamore Street 51 feet to the point of beginning. This being the same property which has been designated by the Madison County Tax Assessor as Parcel No. 003.00 & 004.00, Group J on Tax Map 078P.Tract No. 1 being the same property conveyed to Edwin Crouthers and wife, Jamie Crouthers by Warranty Deed of record at Deed Book 690, Page 1941 in the Register’s Office of Madison County, Tennessee. Tract No. 2 being the same property conveyed to Edwin Crouthers and wife, Jamie Crouthers by Warranty Deed of record at Deed Book D690, Page 1947 in the Register’s Office of Madison County, Tennessee. Property Address: 211 & 215 Sycamore Street; Jackson, Madison County, Tennessee 38301Owner of Property: Edwin Crouthers and wife, Jamie Crouthers

The sale of the above described prop-erty shall be subject to unpaid property taxes, assessments, subdivision restric-tions, building lines, easements and all other prior liens and encumbrances of record superior in right to the Deed of Trust. In addition, the following parties may claim an interest in the above refer-enced property: Auto Owners Insurance, c/o Christopher W. Conner, Garner & Conner PLLC< P O Box 5059, Maryville, TN 37802. All rights and equities of redemption, statutory right of redemption, home-stead and dower and all other rights or exemptions of every kind are expressly waived and title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The sale held pursuant to this notice may be rescinded at the Substitute Trustee’s option at any time. The right is reserved to adjourn the day of the sale to another day certain without further publication, upon announcement of the time and place for the sale set forth herein.WITNESS MY HAND, this the 30th day of March, 2020.THOMAS M. MINORSUBSTITUTE TRUSTEEMINOR JOHNSTON DOUGLAS, PLLCATTORNEYS FOR SUBSTITUTE TRUSTEE124 EAST MARKET STREETSOMERVILLE, TN 38068(901) 465-3117Apr. 3, 10, 17, 2020 Fpn14536

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on May

28, 2020 at 10:00AM local time, at the north door, Madison County Court-house, 100 East Main Street, Jackson, Tennessee pursuant to Deed of Trust executed by Allen D. Duncan and Nancy A. Duncan, to David R. Wilson, Trustee, as trustee for Chase Manhattan Bank USA, N.A. on January 5, 2004 at Book T1550, Page 638; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Madison County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: U.S. Bank National Association, as trustee, in trust for registered holders of Chase Funding Mortgage Loan Asset-Backed Certificates, Series 2004-1, its successors and assigns.

The real estate located in Madison County, Tennessee,and described in the said Deed of Trust will be sold to the highest call bidder. The terms of the said Deed of Trust may be modi-fied by other instruments appearing in


28, 2020 at 10:00AM local time, at the north door, Madison County Court-house, 100 East Main Street, Jackson, Tennessee pursuant to Deed of Trust executed by Rufus Clark, to Robert M Wilson, Trustee, as trustee for Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Home Loans, INC. on April 6, 2007 at Book T1798, Page 1349; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Madison County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: Select Portfolio Servicing, Inc., its suc-cessors and assigns.

The real estate located in Madison County, Tennessee,and described in the said Deed of Trust will be sold to the highest call bidder. The terms of the said Deed of Trust may be modi-fied by other instruments appearing in the public record. Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 40 Derringer Cove, Jackson, Tennessee 38305Parcel Number: 016O B 047.00Current Owner(s) of Property: The Heirs of Rufus Clark

This sale is subject to, without limita-tion, all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory right of redemption of any governmental agency, state or federal; any prior liens or encumbrances includ-ing those created by a fixture filing or any applicable homeowners’ association dues or assessments; all claims or other matters, whether of record or not, which may encumber the purchaser’s title and any matter that an accurate survey of the premises might disclose.

The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: All parties claiming by, through, or under Rufus Clark.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Rufus Clark, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and homestead are waived in accord with the terms of said Deed of Trust, and the title is be-lieved to be good, but the undersigned will sell and convey only as Substitute Trustee.

The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end,

Foreclosure NoticesFayette County

SUBSTITUTE TRUSTEE’S NOTICE OF SALE

Sale at public auction will be on May 19, 2020, at or about 10:00 AM, local time, at the south front door of the Fayette County Courthouse, 1 Court Square, Somerville, TN 38068, pursuant to the Deed of Trust executed by Kevin Champion and wife, Leola Champion, to Craig R. Allen, as Trustee for Jim Walter Homes, Inc. dated April 4, 2001, and recorded in Book D575, Page 352, in the Register’s Office for Fayette County, Tennessee (“Deed of Trust”), conduct-ed by Padgett Law Group, having been appointed Substitute Trustee, all of record in the Fayette County Register’s Office. Default in the performance of the covenants, terms, and conditions of said Deed of Trust has been made; and the entire indebtedness has been declared due and payable.Party entitled to enforce the debt: Ne-wRez Mortgage LLC d/b/a Shellpoint Mortgage ServicingOther interested parties: The hereinafter described real property located in Fayette County will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encum-brances of record:Legal Description: Lot #1, Beginning at cotton picker spindle in the center of Turner Road, being the southeast corner of the Freddie Ewell property, runs thence with the east boundary line of same north 345.68 feet to an iron, being southwest corner of Lot #2 of this division, thence with the south bound-ary line of Lot #2 east 283.56 feet to a cotton picker spindle in the center of said road, being the southeast corner of Lot #2 thence with the center of said road (1) south 31 degrees 10 minutes west 97.17 feet; (2) south 37 degrees west 100 feet; (3) south 43 degrees 38 minutes 47 seconds west 257.92 feet to the point of beginning contain-ing 1.24 acres. This being a portion of the Mattie Stewart property as shown in Deed Book 239, Page 799 in the Fayette County Register`s Office.Street Address: The street address of the property is believed to be 1685 Turner Road, Grand Junction, TN 38039, but such address is not part of the legal description of the property. In the event of any discrepancy, the legal description herein shall control. Map/Parcel Number: 173 00112 000Current owner(s) of Record: Kevin D. Champion and Leola ChampionThis sale is subject to all matters shown on any applicable recorded Plat or Plan; any unpaid taxes and as-sessments; any restrictive covenants, easements or setback lines that may be applicable; rights of redemption, equity, statutory or otherwise, not otherwise waived in the Deed of Trust, including rights of redemption of any government agency, state or federal; and any and all prior deeds of trust, liens, dues, assessments, encumbrances, defects, adverse claims and other matters that may take priority over the Deed of Trust upon which this foreclosure sale is conducted or are not extinguished by this Foreclosure Sale.THE PROPERTY IS SOLD WITHOUT ANY REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, RELATING TO TITLE, MARKETABILITY OF TITLE, POSSESSION, QUIET ENJOYMENT OR THE LIKE AND FITNESS FOR A GENERAL OR PARTICULAR USE OR PURPOSE. The title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.The right is reserved to adjourn the sale to another time certain or to another day, time, and place certain, without further publication upon an-nouncement on the day, time, and place of sale set forth above or any subsequent adjourned day, time, and place of sale.If you purchase a property at the fore-closure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified check made payable to or endorsed

to Padgett Law Group. No personal checks will be accepted. To this end, you must bring sufficient funds to out-bid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded by the Substitute Trustee at any time.THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Padgett Law Group, Substitute Trust-ee6267 Old Water Oak Road, Suite 203Tallahassee, FL 32312(850) 422-2520 (telephone)(850) 422-2567 (facsimile)[email protected]# 20-005355-1Apr. 10, 17, 24, 2020 Fpn14541

NOTICE OF TRUSTEE’S SALEWHEREAS, default has occurred

in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated July 12, 2004, and the Deed of Trust of even date se-curing the same, recorded August 11, 2004, in Book No. D738, at Page 863, in Office of the Register of Deeds for Fayette County, Tennessee, executed by Michael W Teems and Julie Teems, conveying certain property therein de-scribed to Accurate Title and Escrow as Trustee for Asset Mortgage of Tennessee, Inc.; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by DEUTSCHE BANK NATIONAL TRUST COMPANY as Trustee for INDYMAC INDX MORTGAGE LOAN TRUST 2004-AR7, MORTGAGE PASS- THROUGH CERTIFICATES Series 2004-AR7.

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and author-ity vested in and imposed upon said Successor Trustee, by DEUTSCHE BANK NATIONAL TRUST COMPANY as Trustee for INDYMAC INDX MORTGAGE LOAN TRUST 2004-AR7, MORTGAGE PASS-THROUGH CERTIFICATES

Series 2004-AR7, will, on June 1, 2020 on or about 9:00 AM, at the Fayette County Courthouse, Somer-ville, Tennessee, offer for sale certain property hereinafter described to the highest bidder FOR certified funds paid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Fayette County, Tennessee, and being more particularly described as follows:

Lot 74, Fourth Addition, Fisherville Lake Subdivision, as shown on plat of record in Plat Book 4, 3, in the Register’s Office of Fayette County, Tennessee, to which plat reference is hereby made for a more particular description of said property.ALSO KNOWN AS: 510 Key Road, Collierville, TN 38017

This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive cov-enants, easements, or setback lines that may be applicable; any statutory rights of redemption of any govern-mental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an ac-curate survey of the premises might disclose. In addition, the following parties may claim an interest in the above- referenced property:MICHAEL W TEEMS JULIE TEEMS

The sale held pursuant to this No-tice may be rescinded at the Successor Trustee’s option at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication,

Continued on Page 6

upon announcement at the time and place for the sale set forth above. In the event of inclement weather, the trustee hereby announces that the sale will be postponed for a period of two weeks. In such situations, notices will be mailed to interested parties of record. W&A No. 346748

DATED April 7, 2020WILSON & ASSOCIATES, P.L.L.C.,

Successor TrusteeApr. 10, 17, 24, 2020 Fpn14552

The West Tennessee News30 January 30-February 5, 2015 www.thememphisnews.com

public notices

6 April 17-23, 2020

the public record. Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 125 Cheyenne Dr, Jackson, Tennessee 38305Parcel Number: 044E C 001.00Current Owner(s) of Property: Nancy A. Duncan


The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: Capital One Bank (USA), N.A..

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable,

and the rights of Allen D. Duncan and Nancy A. Duncan, and those claiming through him/her/it/them.


The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to out-bid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the pur-chaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be

sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or marketability of title.




Phone: (704) 333-8107Fax: (704) 333-8156



20, 2020 at 3:00PM local time, at the north door, Madison County Courthouse, 100 East Main Street, Jackson, Tennes-see pursuant to Deed of Trust executed by Pamela J. Muhammad, to Guaranty Title Company, Trustee, as trustee for First American National Bank on May 23, 1997 at Book T1081, Page 478; and modified by agreement recorded August 11, 2014 at Book T1982, Page 1137; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Madison County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: Towd Point Mortgage Trust 2018-2, U.S. Bank National Association, as Indenture

Trustee, its successors and assigns.The real estate located in Madison

County, Tennessee,and described in the said Deed of Trust will be sold to the highest call bidder. The terms of the said Deed of Trust may be modi-fied by other instruments appearing in the public record. Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 57 Honeysuckle Dr, Jackson, Tennessee 38301Parcel Number: 065P B 030.00Current Owner(s) of Property: The Heirs of Pamela J. Muhammad


The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: All parties claiming by, through, or under Pamela Muhammad aka Pamela J. P. Muhammad a/k/a Pamela J. Jackson.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Pamela J. Muham-mad, and those claiming through him/her/it/them.


The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to out-bid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the pur-chaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or marketability of title.




Phone: (704) 333-8107Fax: (704) 333-8156


SUBSTITUTE TRUSTEE’S SALESale at public auction will be on

May 20, 2020 at 3:00PM local time, at the north door, Madison County Courthouse, 100 East Main Street, Jackson, Tennessee pursuant to Deed of Trust executed by Marty Allan Hardin and Kimberly Sutherland Hardin, to Arnold M Weiss, Trustee, as trustee for Wells Fargo Bank, N.A. on May 7, 2009 at Book T1858, Page 747; and modified by agreement recorded November 7, 2018 in Book T2082 at Page 1807; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Madison County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: Federal Home Loan Mortgage Corpora-tion, as Trustee for the benefit of the Freddie Mac Seasoned Loans Struc-tured Transaction Trust, Series 2019-3, its successors and assigns.

The real estate located in Madison County, Tennessee,and described in the said Deed of Trust will be sold to the highest call bidder. The terms of the said Deed of Trust may be modified by other instruments appearing in the public record. Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 91 Larkwood Drive, Jackson, Tennessee 38305Parcel Number: 032N B 019.00Current Owner(s) of Property: Marty Allan Hardin and Kimberly Sutherland Hardin

This sale is subject to, without limi-tation, all matters shown on any appli-cable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory right of redemption of any governmental agency, state or fed-eral; any prior liens or encumbrances including those created by a fixture filing or any applicable homeowners’ association dues or assessments; all claims or other matters, whether of record or not, which may encumber the purchaser’s title and any matter that an accurate survey of the premises might disclose.

The following parties may claim an interest in the above-referenced prop-erty to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: None.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Marty Allan Hardin and Kimberly Sutherland Hardin, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and home-stead are waived in accord with the terms of said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.

The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.

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

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Foreclosure NoticesContinued from Page 5

The West Tennessee NewsJanuary 30-February 5, 2015 29www.thememphisnews.com

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7April 17-23, 2020

Foreclosure NoticesTipton County

above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the purchaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or market-ability of title.




Phone: (704) 333-8107Fax: (704) 333-8156


SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Thursday, May 7, 2020 at 12:00 noon at the North entrance of the Tipton Co. Courthouse, Covington, TN pursuant to deed of trust executed by David Russell Neese to Charles M. Ennis, Trustee at Record Book 1726, Page 433 and con-ducted by Clifton E. Darnell, Substitute Trustee, all of record in the Tipton Co. Register’s Office. The following real estate located in Tipton Co., TN will be sold to the high-est cash bidder subject to all unpaid taxes, prior liens and encumbrances of record: Lot 1, Resubdivision of Lots 27 & 28, Happy Valley Subdivision, Section B, of record in Plat Cabinet H, Slide 1008 in the Register’s Office of Tipton County, Tennessee to which plat reference is hereby made for a more particular description of said lot.Street address: 140 P.W.R. Loop, Munford, TN 38058Tax parcel ID#: 126D-A-028.00Note holder: Patriot BankOwner: David Russell Neese All right and equity of redemption, statutory and 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. This is an attempt to collect a debt and any information obtained will be used for that purpose.Clifton E. Darnell, Substitute Trustee7500 Capital Drive, Germantown, TN 38138Apr. 10, 17, 24, 2020 Fpn14546

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Thursday, May 7, 2020 at 12:00 noon at the North entrance of the Tipton Co. Courthouse, Covington, TN pursuant to deed of trust executed by Tipton Investment Properties, LLC to Charles M. Ennis, Trustee at Record Book 1747, Page 518 and conducted by Clifton E. Darnell, Substitute Trustee, all of record in the Tipton Co. Register’s Office. The following real estate located in Tipton Co., TN will be sold to the high-est cash bidder subject to all unpaid taxes, prior liens and encumbrances of record: Lot 46, Hidden Ridge Estates

the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the purchaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or market-ability of title.




Phone: (704) 333-8107Fax: (704) 333-8156

www.shapiro-ingle.comFile No. 20-120234Apr. 10, 17, 24, 2020 Fpn14540


28, 2020 at 10:00AM local time, at the north door, Madison County Court-house, 100 East Main Street, Jackson, Tennessee pursuant to Deed of Trust executed by Eric D. Cross and Willene Cross, to Mary Frances Rudy, Trustee, as trustee for Mortgage Electronic Reg-istration Systems, Inc. as nominee for SouthStar Funding on January 17, 2007 at Book T1787, Page 1452; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Madison County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: Wilmington Trust, NA, successor trustee to Citibank, N.A., as Trustee, for the benefit of registered holders of Structured Asset Mortgage Invest-ments II Trust 2007-AR3, Mortgage Pass-Through Certificates, Series 2007-AR3, its successors and as-signs.


Street Address: 86 Windemere Cir, Jackson, Tennessee 38305Parcel Number: 055C D 030.00Current Owner(s) of Property: Wil-lene Cross


The following parties may claim an interest in the above-referenced property to be affected by the fore-closure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: Snider & Horner, PLLC; David Mackey; SouthStar Funding, LLC.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Eric D. Cross and Wil-lene Cross, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and home-

stead are waived in accord with the terms of said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.






Phone: (704) 333-8107Fax: (704) 333-8156



May 20, 2020 at 3:00PM local time, at the north door, Madison County Courthouse, 100 East Main Street, Jackson, Tennessee pursuant to Deed of Trust executed by Louella Anderson and James Gregory Anderson, to FMLS, Inc., Trustee, as trustee for AmSouth Bank on September 26, 2003 at Book T1524, Page 807; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Madison County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: CSMC 2019-RPL4 Trust, its successors and assigns.


Street Address: 1697 Campbell St, Jackson, Tennessee 38305Secondary Property Address: Jack-sonParcel Number: 056P C 007.00Current Owner(s) of Property: Louella Anderson and husband, James Gregory Anderson

This sale is subject to, without limi-tation, all matters shown on any appli-cable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory right of redemption of any governmental agency, state or fed-eral; any prior liens or encumbrances including those created by a fixture filing or any applicable homeowners’

Tipton County, Tennessee, to which plat reference is hereby made for a more particular description of said lot. Street address: 1243 JE Blaydes Parkway, Atoka, TN 38004 Tax parcel ID#: 07-128OA-024.00Note holder: Donald Dale CardOwner: Amy Lynn Smith a/k/a Amy Lynn Wade f/k/a Amy Lynn CardOther Interested Parties: Household Financial Center, Inc. All right and equity of redemption, statutory and 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. This is an attempt to collect a debt and any information obtained will be used for that purpose.Clifton E. Darnell, Substitute Trustee7500 Capital Drive, Germantown, TN 38138Apr. 3, 10, 17, 2020 Fpn14535


May 19, 2020 at 2:00PM local time, at the north door, Tipton County Court-house, 100 Court Square, Covington, Tennessee pursuant to Deed of Trust executed by Kelley Hood and Michael Hood, to Equity Title, Trustee, as trustee for First Franklin Financial Corporation on August 29, 2003 at Record Book 1101, Page 103, Instrument No. 48050; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Tipton County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: PNC Bank, National Association, its successors and assigns.

The real estate located in Tipton County, Tennessee,and described in the said Deed of Trust will be sold to the highest call bidder. The terms of the said Deed of Trust may be modified by other instruments appearing in the public record. Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 109 Lauren Cv, Atoka, Tennessee 38004Parcel Number: 128J B 049.00Current Owner(s) of Property: Kelley Hood and Michael Hood


The following parties may claim an interest in the above-referenced prop-erty to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: First Franklin Financial Corporation.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Kelley Hood and Mi-chael Hood, and those claiming through him/her/it/them.


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

association dues or assessments; all claims or other matters, whether of record or not, which may encumber the purchaser’s title and any matter that an accurate survey of the premises might disclose.

The following parties may claim an interest in the above-referenced prop-erty to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: None.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Louella Anderson and James Gregory Anderson, and those claiming through him/her/it/them.







Phone: (704) 333-8107Fax: (704) 333-8156

www.shapiro-ingle.comFile No. 13-051219Apr. 10, 17, 24, 2020 Fpn14543

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Thursday, April 30, 2020 at 12:00 noon at the North entrance of the Tipton Co. Courthouse, Covington, TN pursuant to deed of trust executed by Amy Lynn Wade f/k/a Amy Lynn Card to Danny Goulder, Trustee, recorded at Book 1622, Page 1012, and conducted by Clifton E. Darnell, Substitute Trustee, all of record in the Tipton Co. Register’s Office. The following real estate located in Tipton Co., TN will be sold to the high-est cash bidder subject to all unpaid taxes, prior liens and encumbrances of record: Lot 732, Blaydes Estates Subdivision, Phase II, Section C, as shown on plat of record in Plat Cabinet H, Slide 160 in the Register’s Office of

Continued on Page 8

The West Tennessee News30 January 30-February 5, 2015 www.thememphisnews.com

public notices

8 April 17-23, 2020

Subdivision, Section C, revised of record in Plat Cabinet H, Slide 553 amended, in the Register’s Office of Tipton County, Tennessee, to which plat reference is hereby made for a more particular description of said lot.Street address: 1923 Wooten Rd., Covington, TN 38019Tax parcel ID#: C.D.01-Map18L-Group D-30.00Note holder: Patriot BankOwner: Tipton Investment Properties, LLCOther Interested Parties: IRSThis sale is subject to the right of redemption by the Internal Revenue Service, Department of the U. S. Trea-sury, pursuant to 26 U.S.C. 7425(d) (1) by reason of the following tax lien(s) of record: Lien Book 21, Page 94. Notice of the sale has been given to the Internal Revenue Service in accordance with 26 U.S.C. 7425(b). All right and equity of redemption, statutory and 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. This is an attempt to collect a debt and any information obtained will be used for that purpose.Clifton E. Darnell, Substitute Trustee7500 Capital Drive, Germantown, TN 38138Apr. 10, 17, 24, 2020 Fpn14547

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Thursday, May 7, 2020 at 12:00 noon at the North entrance of the Tipton Co. Courthouse, Covington, TN pursuant to deed of trust executed by Tipton Investment Properties, LLC to Charles M. Ennis, Trustee at Record Book 1753, Page 63 and conducted by Clifton E. Darnell, Substitute Trustee, all of record in the Tipton Co. Register’s Office. The following real estate located in Tipton Co., TN will be sold to the high-est cash bidder subject to all unpaid taxes, prior liens and encumbrances of record: Lot 127, Section D, Reed Estates Subdivision of record in Plat Cabinet F, Slide 92 in the Register’s Office of Tipton County, Tennessee to which plat reference is hereby made for a more particular description of said lot.Street address: 0 P.W. Reed Drive., Munford, TN 38058Tax parcel ID#: 113L-A-008.00Note holder: Patriot BankOwner: Tipton Investment Properties, LLCOther Interested Parties: IRSThis sale is subject to the right of redemption by the Internal Revenue Service, Department of the U. S. Trea-sury, pursuant to 26 U.S.C. 7425(d) (1) by reason of the following tax lien(s) of record: Lien Book 21, Page 94. Notice of the sale has been given to the Internal Revenue Service in accordance with 26 U.S.C. 7425(b). All right and equity of redemption, statutory and 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. This is an attempt to collect a debt and any information obtained will be used for that purpose.Clifton E. Darnell, Substitute Trustee7500 Capital Drive, Germantown, TN 38138Apr. 10, 17, 24, 2020 Fpn14548

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Thursday, May 7, 2020 at 12:00 noon at the North entrance of the Tipton Co. Courthouse, Covington, TN pursuant to deed of trust executed by Tipton Investment Properties, LLC to Charles M. Ennis, Trustee at Record Book 1754, Page 561 and conducted by Clifton E. Darnell, Substitute Trustee, all of record in the Tipton Co. Register’s Office. The following real estate located in Tipton Co., TN will be sold to the high-est cash bidder subject to all unpaid taxes, prior liens and encumbrances of

record: Lot 1, Tipton – Wyatt Shankle Subdivision of record in Plat Cabinet H, Slide 1175 in the Register’s Office of Tipton County, Tennessee, to which plat reference is hereby made for a more particular description of said lot.Street address: 0 Wyatt Shankle Cove West, Munford, TN 38058Tax parcel ID#: 113-031.11Note holder: Patriot BankOwner: Tipton Investment Properties, LLCOther Interested Parties: IRSThis sale is subject to the right of redemption by the Internal Revenue Service, Department of the U. S. Trea-sury, pursuant to 26 U.S.C. 7425(d) (1) by reason of the following tax lien(s) of record: Lien Book 21, Page 94. Notice of the sale has been given to the Internal Revenue Service in accordance with 26 U.S.C. 7425(b). All right and equity of redemption, statutory and 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. This is an attempt to collect a debt and any information obtained will be used for that purpose.Clifton E. Darnell, Substitute Trustee7500 Capital Drive, Germantown, TN 38138Apr. 10, 17, 24, 2020 Fpn14549

SUBSTITUTE TRUSTEE’S SALE Sale at public auction will be on Thursday, May 7, 2020 at 12:00 noon at the North entrance of the Tipton Co. Courthouse, Covington, TN pursuant to deed of trust executed by Tipton Investment Properties, LLC to Charles M. Ennis, Trustee at Record Book 1746, 0 and conducted by Clifton E. Darnell, Substitute Trustee, all of record in the Tipton Co. Register’s Office. The following real estate located in Tipton Co., TN will be sold to the highest cash bidder subject to all unpaid taxes, prior liens and encumbrances of record: Lots 21 through 33 inclusive, Hidden Ridge Estates Subdivision, Section C, revised of record in Plat Cabinet H, Slide 553 amended, in the Register’s Office of Tipton County, Tennessee, to which plat reference is hereby made for a more particular description of said lotsLot 21 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-21.00)Lot 22 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-22.00)Lot 23 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-23.00)Lot 24 – 0 Scott Cove, Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-24.00)Lot 25 – 0 Scott Cove, Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-25.00)Lot 26 – 0 Scott Cove, Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-26.00)Lot 27 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-27.00)Lot 28 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-48.00)Lot 29 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-47.00)Lot 30 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-46.00)Lot 31 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-45.00)Lot 32 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-44.00)Lot 33 – 0 Wooten Rd., Covington, TN 38019 (tax ID# C.D.01-Map18L-Group D-43.00)Note holder: Patriot BankOwner: Tipton Investment Properties, LLCOther Interested Parties: IRSThis sale is subject to the right of redemption by the Internal Revenue Service, Department of the U. S. Trea-sury, pursuant to 26 U.S.C. 7425(d) (1) by reason of the following tax lien(s) of record: Lien Book 21, Page 94. Notice of the sale has been given to the Internal

Revenue Service in accordance with 26 U.S.C. 7425(b). All right and equity of redemption, statutory and 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. This is an attempt to collect a debt and any information obtained will be used for that purpose.Clifton E. Darnell, Substitute Trustee7500 Capital Drive, Germantown, TN 38138Apr. 10, 17, 24 2020 Fpn14550

NOTICE OF TRUSTEE’S SALEWHEREAS, default has occurred

in the performance of the covenants, terms, and conditions of a Deed of Trust Note dated May 11, 2001, and the Deed of Trust of even date securing the same, recorded May 17, 2001, in Book No. 942, at Page 301, in Office of the Register of Deeds for Tipton County, Tennessee, executed by Peggy S Adkins, conveying certain property therein described to Wil-liam C. Ford as Trustee for Conseco Finance Corp.; and the undersigned, Wilson & Associates, P.L.L.C., having been appointed Successor Trustee by NewRez LLC dba Shellpoint Mortgage Servicing.

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable; and that an agent of Wilson & Associates, P.L.L.C., as Successor Trustee, by virtue of the power, duty, and author-ity vested in and imposed upon said Successor Trustee, by NewRez LLC dba Shellpoint Mortgage Servicing, will, on May 20, 2020 on or about 9:00 AM, at the Tipton County Courthouse, Cov-ington, Tennessee, offer for sale certain property hereinafter described to the highest bidder FOR certified funds paid at the conclusion of the sale, or credit bid from a bank or other lending entity pre-approved by the successor trustee. The sale is free from all exemptions, which are expressly waived in the Deed of Trust, said property being real estate situated in Tipton County, Tennessee, and being more particularly described as follows:

Lot 33, Marshall Acres, Section D, as recorded in Plat Cabinet C, Slide 192 to which plat reference is hereby made for a more particular descrip-tion of said lot.ALSO KNOWN AS: Lot 33 Marshall Acre, Brighton, TN 38011

This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive cov-enants, easements, or setback lines that may be applicable; any statutory rights of redemption of any govern-mental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an ac-curate survey of the premises might disclose. In addition, the following parties may claim an interest in the above- referenced property:PEGGY S ADKINS

The sale held pursuant to this No-tice may be rescinded at the Successor Trustee’s option 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. In the event of inclement weather, the trustee hereby announces that the sale will be postponed for a period of two weeks. In such situations, notices

will be mailed to interested parties of record. W&A No. 341825

DATED April 6, 2020WILSON & ASSOCIATES, P.L.L.C.,

Successor TrusteeApr. 10, 17, 24, 2020 Fpn14551

SUBSTITUTE TRUSTEE’S SALESale at public auction will be on June

22, 2020 at 10:00AM local time, at the north door, Tipton County Court-house, 100 Court Square, Covington, Tennessee pursuant to Deed of Trust executed by Billy Morris and Betty Armstrong, to David Mackin, Trustee, as trustee for Southern Financial Mort-gage, Inc. on June 19, 1998 at Book 831, Page 804; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Tipton County Register’s Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: U.S. Bank National Association, not in its individual capacity but solely as Trustee for the CIM Trust 2018-R5 Mortgage-Backed Notes, Series 2018-R5, its successors and assigns.

The real estate located in Tipton County, Tennessee,and described in the said Deed of Trust will be sold to the highest call bidder. The terms of the said Deed of Trust may be modified by other instruments appearing in the public record. Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 874 Jack Bennett Rd, Brighton, Tennessee 38011Parcel Number: 067 020.00Current Owner(s) of Property: The Heirs of Billy Morris and Betty J. Armstrong


The following parties may claim an interest in the above-referenced property to be affected by the fore-closure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: All parties claiming by, through or under Billy Morris.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Billy Morris and Betty Armstrong, and those claiming through him/her/it/them.


The right is reserved to adjourn the day of the sale to another day,

Notice of Self Storage SalePlease take notice Midgard Self Stor-age - Oakland TN located at 130 Pierce Rd Oakland TN 38060 intends to hold a sale of property stored from storage units in default of payment. The sale will occur as an online auction via www.storageauctions.com on 4/22/2020 at 1:00pm. Tyrus D Pitts unit #098; Charles Terry, jr. (h009) unit #110. This sale may be withdrawn at any time without notice.Apr. 17, 2020 Mpn14544

Notice of Self Storage SalePlease take notice Midgard Self Stor-age - Jackson TN located at 4355 HWY 45 North Jackson TN 38305 intends to hold a sale of property stored from storage units in default of payment. The sale will occur as an online auc-tion via www.storageauctions.com on 4/22/2020 at 1:00pm. Michael Revelle unit #064; Samuel Johnson unit #120; Garrick Transou unit #154; Laconia Mckinnie units #206 & #208; Timothy Maclin unit #219; William Riddell unit #340; Herman Hoyle unit #424; Kevin McCarter unit #CPS024. This sale may be withdrawn at any time without notice.Apr. 17, 2020 Mpn14545

Misc. Notices

time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Ingle, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered.





Phone: (704) 333-8107Fax: (704) 333-8156

www.shapiro-ingle.comFile No. 20-119925Apr. 17, 24, May 1, 2020 Fpn14553

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Foreclosure NoticesContinued from Page 7

crisis in charities · 4/17/2020 · payroll for eight weeks plus provide funds ... environmental...

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