Default having been made in the terms, conditions, and payments provided in a certain Deed of Trust dated JUNE 16, 2006, executed by ANDREW M. GEORGAL AND WIFE, KRISTY R. GEORGAL,  to BANK OF CLEVELAND Trustee, of record in BOOK TD338, PAGE 285, AS CORRECTED BY SCRIVENER'S AFFIDAVIT recorded, in the Register's Office for POLK County, Tennessee and to J. PHILLIP JONES, appointed as Substitute Trustee in an instrument of record in the Register's Office for POLK County, Tennessee, to secure the indebtedness described, the entire indebtedness having been declared due and payable by TENNESSEE HOUSING DEVELOPMENT AGENCY BY AND THROUGH ITS SERVICER AND AUTHORIZED AGENT, U.S. BANK NATIONAL ASSOCIATION as provided in said Deed of Trust, I, J. PHILLIP JONES, will by virtue of the power and authority vested in  me as  Substitute  Trustee, on TUESDAY, JANUARY 5, 2010, AT 11:00 A.M. (LOCAL TIME) AT THE WEST DOOR OF THE POLK COUNTY COURTHOUSE IN BENTON, POLK COUNTY, TENNESSEE, sell to the highest bidder for cash, free from the equity of redemption, homestead, and dower, and all other exemptions which are expressly waived, and subject to any unpaid taxes, if any, the following described property in POLK County, Tennessee, to wit:
PROPERTY LOCATED IN THE COUNTY OF  POLK, TENNESSEE:
LOT TWENTY-TWO (22) SAVANNAH PLACE AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 9, PAGE 91, IN THE REGISTER’S OFFICE OF POLK COUNTY, TENNESSEE.
SUBJECT TO RESTRICTIONS, CONDITIONS, RESERVATIONS, EASEMENTS AND STIPULATIONS AS SET FORTH IN INSTRUMENT OF RECORD IN MISC. BOOK 109, PAGE 115, IN THE REGISTER’S OFFICE OF POLK COUNTY, TENNESSEE.
SUBJECT TO FIFTEEN (15) FOOT DRAINAGE AND UTILITY EASEMENT ON LOT LINES ABUTTING PUBLIC ROADS AS NOTED ON RECORDED PLAT.
SUBJECT TO TEN (10)  FOOT DRAINAGE AND UTILITY EASEMENT ON EXTERIOR LOT LINES AS NOTES ON RECORDED PLAT.
SUBJECT TO FIVE (5) FOOT DRAINAGE AND UTILITY EASEMENT ON INTERIOR LOT LINES AS NOTES ON RECORDED PLAT.
SUBJECT TO BULDING SETBACK LINES AS SHOWN ON RECORDED PLAT.
BEING THE SAME PROPERTY CONVEYED TO ANDREW M. GEORGAL AND WIFE, KRISTY R. GEORGAL, BY DEED DATED JUNE 16, 2006 OF RECORD IN BOOK WD245, PAGE 250, REGISTER'S  OFFICE FOR POLK COUNTY, TENNESSEE.
THIS IS IMPROVED PROPERTY KNOWN AS  112 BENJAMIN PLACE, BENTON, TN 37307.
MAP 035N  GROUP B  PARCEL 024.22
THE SALE OF THE SUBJECT PROPERTY IS WITHOUT WARRANTY OF ANY KIND, AND IS FURTHER SUBJECT TO THE RIGHT OF ANY TENANT(S) OR OTHER PARTIES OR ENTITIES IN POSSESSION OF THE PROPERTY.
THIS SALE IS SUBJECT TO ANY UNPAID TAXES, IF ANY, ANY PRIOR LIENS OR ENCUMBRANCES LEASES, EASEMENTS AND ALL OTHER MATTERS OF RECORD INCLUDING BUT NOT LIMITED TO THE  PRIORITY OF ANY FIXTURE FILING. IF THE U.S. DEPARTMENT OF THE TREASURY/ INTERNAL REVENUE SERVICE, THE STATE OF TENNESSEE DEPARTMENT OF REVENUE, OR THE STATE OF TENNESSEE DEPARTMENT OF LABOR AND WORK FORCE 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, ALL AS REQUIRED BY 26 U.S.C. 7425 AND T.C.A. 67-1-1433.
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 HIGHEST BIDDER AT THE NEXT HIGHEST BID WILL BE DEEMED THE SUCCESSFUL BIDDER.
OTHER INTERESTED PARTIES:  CITIFINANCIAL, INC.; SECRETARY OF HOUSING AND URBAN DEVELOPMENT; KRISTY R. GEORGAL
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
This day, November 2, 2009.  This is improved property known as    112 BENJAMIN PLACE, BENTON, TN 37307.


J. PHILLIP JONES Substitute Trustee
J. PHILLIP JONES, SUBSTITUTE TRUSTEE
SUITE C-205, NASHVILLE HOUSE
ONE VANTAGE WAY
NASHVILLE, TN 37228
(615) 254-4430

      
Default having been made in the terms, conditions, and payments provided in a certain Deed of Trust dated JANUARY 19, 2007, executed by JOSHUA H. LEDFORD AND WIFE, KALISHA M. LEDFORD,  to DAVID S. HUMBERD, Trustee, of record in BOOK TD350, PAGE 476, AS RE-RECORDED IN BOOK TD356, PAGE 139, in the Register's Office for POLK County, Tennessee and to J. PHILLIP JONES, appointed as Substitute Trustee in an instrument of record in the Register's Office for POLK County, Tennessee, to secure the indebtedness described, the entire indebtedness having been declared due and payable by TENNESSEE HOUSING DEVELOPMENT AGENCY BY AND THROUGH ITS SERVICER AND AUTHORIZED AGENT, U.S. BANK NATIONAL ASSOCIATION as provided in said Deed of Trust, I, J. PHILLIP JONES, will by virtue of the power and authority vested in  me as  Substitute  Trustee, on TUESDAY, JANUARY 5, 2010, AT 11:00 A.M. (LOCAL TIME), AT THE WEST DOOR OF THE POLK COUNTY COURTHOUSE IN BENTON, POLK COUNTY, TENNESSEE, sell to the highest bidder for cash, free from the equity of redemption, homestead, and dower, and all other exemptions which are expressly waived, and subject to any unpaid taxes, if any, the following described property in POLK County, Tennessee, to wit:
PROPERTY LOCATED IN THE COUNTY OF POLK, TENNESSEE:
IN THE FIRST CIVIL DISTRICT OF POLK COUNTY, TENNESSEE:
LOT NINE (9), CHEROKEE RIDGE,  AS SHOWN BY PLAT OF RECORD IN PLAT BOOK 9, PAGE 8, IN THE REGISTER’S OFFICE OF POLK COUNTY, TENNESSEE.
ALSO INCLUDED IS A 1999 INDIES HOME, MODEL # 7836, HAVING SERIAL # AL2856-100-1927 A/B AND A LENGTH OF 52.6 FEET AND A WIDTH OF 27.6 FEET.
SEE AFFIDAVIT OF AFFIXATION OF RECORD IN BOOK WD 249, PAGE 110, REGISTER'S OFFICE FOR SAID COUNTY.
SUBJECT TO RESTRICTIONS AS SET OUT IN INSTRUMENT RECORDED IN MISC. BOOK 94, PAGE 401, IN THE REGISTER'S OFFICE OF POLK COUNTY, TENNESSEE, BUT OMITTING ANY COVENANT OR RESTRICTION BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS OR NATIONAL ORIGIN UNLESS AND ONLY TO THE EXTENT THAT SAID COVENANT (A) IS EXEMPT UNDER CHAPTER 42, SECTION 3607, OF THE UNITED STATES CODE OR (B) RELATES TO HANDICAP BUT DOES NOT DISCRIMINATE AGAINST HANDICAPPED PERSONS.
SUBJECT TO DRAINAGE/UTILITY EASEMENTS AND BUILDING SET BACK LINES AS SHOWN OR SPECIFIED BY RECORDED PLAT.
SUBJECT TO OIL AND GAS LEASE AS SET OUT IN INSTRUMENT RECORDED IN MISC. BOOK 42, PAGE 366, REGISTER'S OFFICE OF POLK COUNTY, TENNESSEE.
BEING THE SAME PROPERTY CONVEYED TO JOSHUA H. LEDFORD AND WIFE, KALISHA M. LEDFORD, BY DEED DATED JANUARY 19, 2007 AND RECORDED IN BOOK WD 249, PAGE 108, IN THE REGISTER’S OFFICE OF POLK COUNTY, TENNESSEE.
THIS IS IMPROVED PROPERTY KNOWN AS  424 DAVIS LANE, OLD FORT, TN 37362 A/K/A 424 DAVID LANE, OLD FORT, TN 37362.
MAP 096E  GROUP A  PARCEL 009.00
THE SALE OF THE SUBJECT PROPERTY IS WITHOUT WARRANTY OF ANY KIND, AND IS FURTHER SUBJECT TO THE RIGHT OF ANY TENANT(S) OR OTHER PARTIES OR ENTITIES IN POSSESSION OF THE PROPERTY.
THIS SALE IS SUBJECT TO ANY UNPAID TAXES, IF ANY, ANY PRIOR LIENS OR ENCUMBRANCES LEASES, EASEMENTS AND ALL OTHER MATTERS OF RECORD INCLUDING BUT NOT LIMITED TO THE  PRIORITY OF ANY FIXTURE FILING. IF THE U.S. DEPARTMENT OF THE TREASURY/ INTERNAL REVENUE SERVICE, THE STATE OF TENNESSEE DEPARTMENT OF REVENUE, OR THE STATE OF TENNESSEE DEPARTMENT OF LABOR AND WORK FORCE 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, ALL AS REQUIRED BY 26 U.S.C. 7425 AND T.C.A. 67-1-1433.
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 HIGHEST BIDDER AT THE NEXT HIGHEST BID WILL BE DEEMED THE SUCCESSFUL BIDDER.
OTHER INTERESTED PARTIES: NONE OF RECORD
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
This day, November 2, 2009.  This is improved property known as  424 DAVIS LANE, OLD FORT, TN 37362 (A/K/A 424 DAVID LANE, OLD FORT, TN 37362.)

J. PHILLIP JONES Substitute Trustee
J. PHILLIP JONES, SUBSTITUTE TRUSTEE
SUITE C-205, NASHVILLE HOUSE
ONE VANTAGE WAY
NASHVILLE, TN 37228
(615) 254-4430

Polk County Road Department will be accepting bids on a backhoe, heavy duty, four wheel drive, fully enclosed cab with heater, defroster, air conditioner. Further specs are available at the office of the Road Department, 1887 Welcome valley Road in Benton, TN. Bid opening will be 10:30 a.m. on the 17th day of November, 2009 at the office of Road Superintendent.
Polk County Road Department reserves the right to reject any or all bids.