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 23, 2008, executed by MICHAEL W. OVERBEY AND SHIRLEY A. OVERBEY, HUSBAND AND WIFE, to FMLS, INC. Trustee, of record in RECORD BOOK 104, PAGE 335, for the benefit of REGIONS BANK, in the Register’s Office for LEWIS 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 LEWIS County, Tennessee, to secure the indebtedness described, the entire indebtedness having been declared due and payable by REGIONS BANK, 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, OCTOBER 25, 2024 AT 1:00 P.M. (LOCAL TIME) AT THE EAST DOOR OF THE LEWIS COUNTY COURTHOUSE IN HOHENWALD, LEWIS 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 LEWIS County, Tennessee, to wit:

PROPERTY LOCATED IN THE COUNTY OF LEWIS, STATE OF TENNESSEE, DESCRIBED AS FOLLOWS:

LOT 106, OF CHANDLER SUBDIVISION, AS SHOWN ON PLAT OF RECORD IN PLAT BOOK RR AT PAGE 599 IN THE REGISTER’S OFFICE OF LEWIS COUNTY, TENNESSEE TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY.

BEING THE SAME PROPERTY CONVEYED TO MICHAEL W. OVERBEY AND WIFE, SHIRLEY A. OVERBEY, BY WARRANTY DEED DATED AUGUST 6, 1999 AND RECORDED IN DEED BOOK A-89, PAGE 212, REGISTER’S OFFICE FOR LEWIS COUNTY, TENNESSEE.

SUBJECT TO CHANDLER SUBDIVISION RESTRICTIONS OF RECORD IN DEED BOOK RR AT PAGE 599, REGISTER’S OFFICE FOR LEWIS COUNTY, TENNESSEE; AND TO GAS LINE ESEMENT IN FAVOR OF THE CITY OF HOHENWALD, OF RECORD IN DEED BOOK A-38, AT PAGE 786, REGISTER’S OFFICE FOR LEWIS COUNTY, TENNESSEE.

THIS IS IMPROVED PROPERTY KNOWN AS 131 CHANDLER STREET, HOHENWALD, TN 38462.

MAP 036J GROUP A PARCEL 005.00

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. 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: NONE OF RECORD

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

This is improved property known as 131 CHANDLER STREET, HOHENWALD, TN 38462.

J. PHILLIP JONES/

JESSICA D. BINKLEY,

Substitute Trustee

1800 HAYES STREET

NASHVILLE, TN 37203

(615) 254-4430

http://www.phillipjoneslaw.com

F24-0611