PUBLIC NOTICE

SUBSTITUTE TRUSTEE’S NOTICE OF FORECLOSURE SALE

Default having been made in the terms, conditions, and payments provided in a certain Deed of Trust dated MAY 6, 2020, executed by JONI D. MIRACLE, AN UNMARRIED WOMAN, to INDEPENDENCE TITLE & ESCROW SERVICES, INC. Trustee, of record in BOOK 1545, PAGE 419, for the benefit of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP DBA PEOPLES HOME EQUITY, in the Register’s Office for CLAIBORNE County, Tennessee and to J. PHILLIP JONES AND/OR JESSICA D. BINKLEY, either of whom may act, appointed as Substitute Trustee in an instrument of record in the Register’s Office for CLAIBORNE County, Tennessee, to secure the indebtedness described; WHEREAS, said Deed of Trust was last assigned to TENNESSEE HOUSING DEVELOPMENT AGENCY, the entire indebtedness having been declared due and payable by TENNESSEE HOUSING DEVELOPMENT AGENCY, being the present owner/holder or authorized agent, designee or servicer of the holder/owner of said indebtedness, has requested foreclosure proceedings to be instituted; and as provided in said Deed of Trust, I, J. PHILLIP JONES/JESSICA D. BINKLEY will by virtue of the power and authority vested in me as Substitute Trustee, on FRIDAY, FEBRUARY 24, 2023 AT 3:00 P.M. (LOCAL TIME), AT THE FRONT STEPS OF THE CLAIBORNE COUNTY COURTHOUSE IN TAZEWELL, CLAIBORNE 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 CLAIBORNE County, Tennessee, to wit:
PROPERTY LOCATED IN THE COUNTY OF CLAIBORNE, TENNESSEE:
SITUATED IN DISTRICT NO. SEVEN (7) OF CLAIBORNE COUNTY, TENNESSEE AND SITUATED AND DESCRIBED MORE FULLY AS FOLLOWS:
BEING ALL OF LOT NO. ONE (1) OF RUSSELL SPRINGS SUBDIVISION, AS RECORDED IN PLAT BOOK 3, PAGE 63, AS RECORDED AT THE REGISTER’S OFFICE FOR CLAIBORNE COUNTY, TENNESSEE.
SUBJECT TO ALL MATTERS SHOWN ON THE PLAN OF RECORD IN PLAT BOOK 3, PAGE 63, REGISTER’S OFFICE FOR CLAIBORNE COUNTY, TENNESSEE.
SUBJECT TO RESTRICTIONS OF RECORD IN MISC. BOOK 49, PAGE 221, IN THE REGISTER’S OFFICE FOR CLAIBORNE COUNTY, TENNESSEE.
BEING THE SAME PROPERTY CONVEYED TO JONI D. MIRACLE, AN UNMARRIED WOMAN, BY WARRANTY DEED DATED MAY 6, 2020 AND RECORDED IN BOOK 1545, PAGE 417, REGISTER’S OFFICE, CLAIBORNE COUNTY, TENNESSEE.
MAP 077F GROUP A CONTROL MAP 077E PARCEL 001.00
THIS IS IMPROVED PROPERTY KNOWN AS 109 TOPPY RUSSELL LANE, SPEEDWELL, TN 37870.
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. ANY REPRESENTATION CONCERNING ANY ASPECT OF THE SUBJECT PROPERTY BY A THIRD PARTY IS NOT THE REPRESENTATION/RESPONSIBILITY OF TRUSTEE(S)/ SUBSTITUTE TRUSTEE(S) OR THEIR OFFICE.
THIS SALE IS SUBJECT TO ANY UNPAID TAXES, IF ANY, ANY PRIOR LIENS OR ENCUMBRANCES LEASES, EASEMENTS AND ALL OTHER MATTERS WHICH TAKE PRIORITY OVER THE DEED OF TRUST UNDER WHICH THIS FORECLOSURE SALE IS CONDUCTED, 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 ALL APPLICABLE GOVERNMENTAL ENTITIES RIGHT TO REDEEM THE PROPERTY, ALL AS REQUIRED BY 26 U.S.C. 7425, T.C.A. 67-1-1433, AND 28 U.S.C. 2410 (C). THE NOTICE REQUIREMENTS OF T.C.A. 35-5-101 ET SEQ. HAVE BEEN MET.
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
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 LAW OFFICE OF J. PHILLIP JONES. 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.
OTHER INTERESTED PARTIES: TENNESSEE HOUSING DEVELOPMENT AGENCY GREAT CHOICE PLUS LOAN PROGRAM; REPUBLIC FINANCE, LLC c/o TERRY J. CANADY, ATTORNEY AT LAW
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
This is improved property known as 109 TOPPY RUSSELL LANE, SPEEDWELL, TN 37870.
J. PHILLIP JONES/JESSICA D. BINKLEY, SUBSTITUTE TRUSTEE
1800 HAYES STREET
NASHVILLE, TN 37203
(615) 254-4430
www.phillipjoneslaw.com
www.williamsauction.com
F22-1259

Claiborne Progress:
Jan. 18, 25 and Feb. 1, 2023
TS/MIRACLE