Camden Chronicle Public Notices, January 1, 2026

NOTICE OF SUBSTITUTE 

TRUSTEE’S SALE

WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated December 20, 2014, executed by PATRICIA EVERLY and JOSEPH PAUL WAGNER conveying certain real property therein described to JOSEPH B. PITT, JR., as Trustee, as same appears of record in the Register`s Office of Benton County, Tennessee recorded January 6, 2015, in Deed Book 258, Page 320; and 

WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Rocket Mortgage, LLC f/k/a Quicken Loans, LLC f/k/a Quicken Loans Inc.  who is now the owner of said debt; and

WHEREAS, the undersigned, Rubin Lublin TN, PLLC, having been appointed as Substitute Trustee by instrument to be filed for record in the Register's Office of Benton County, Tennessee.  

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, Rubin Lublin TN, PLLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on February 12, 2026 at or about 11:00 AM at the Benton County Courthouse, 1 Court Square, Camden, TN 38320 - Main Entrance, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Benton County, Tennessee, to wit:

LAND SITUATED IN THE COUNTY OF BENTON IN THE STATE OF TN. TRACT NO. 1: BEGINNING AT A 6 INCH WHITEOAK TREE AT THE NORTHWEST CORNER OF A 130 ACRE TRACT OF LAND CONVEYED TO ALLEN W. BRIDGES BY MRS. BERNICE MELTON, ET AL ON JULY 10, 1957, OF RECORD IN DEED BOOK 52, PAGE 324, OF WHICH THIS IS THE WESTERN PORTION AND WHICH BEGINNING CORNER OF A LOT CONVEYED TO ALLEN W. BRIDGES BY MRS. BERNICE MELTON, ET AL ON JULY 6, 1960, OF RECORD IN DEED BOOK 56, PAGE 262, INCLUDED IN THESE CALLS; RUNS WEST, 50 FEET TO A STAKE; THENCE SOUTH 265 FEET TO A STAKE STANDING ABOUT 30 FEET NORTH OF OLD GRAVEL ROAD; THENCE EAST, 120 FEET TO A STAKE (PASSING THE SOUTHWEST CORNER OF SAID 130 ACRE TRACT AND THE SOUTHEAST CORNER OF THE AFOREMENTIONED LOT AT 50 FEET) THENCE NORTH 265 FEET TO A STAKE IN THE NORTH BOUNDARY OF SAID 130 ACRE 70 FEET EAST FROM THE NORTHWEST CORNER AND THENCE WEST 70 FEET TO THE BEGINNING. TRACT NO. 2: BEGINNING AT A 6 INCH WHITE OAK TREE AT THE NORTHWEST CORNER OF A 130 ACRE TRACT CONVEYED TO ALLEN W. BRIDGES BY MRS. BERNICE MELTON ET AL ON JULY 10, 1957, OF RECORD IN DEED BOOK 52, PAGE 324, AND THE SOUTHWEST CORNER OF STRIP OF LAND CONVEYED TO A.W. BRIDGES ET UX, BY ALVIS MABRY, ET UX, APRIL 25, 1958, OF RECORD IN DEED BOOK 52, PAGE 334, OF WHICH THIS IS THE WESTERN PORTION; RUNS EAST, 70 FEET TO A STAKE THE NORTHEAST CORNER OF THE FIRST LOT HEREINABOVE DESCRIBED; THENCE NORTH 21 FEET TO A STAKE IN SOUTH RIGHT OF WAY OF MORNINGSIDE DRIVE; THENCE WEST 70 FEET WITH SOUTH RIGHT OF WAY OF MORNINGSIDE DRIVE; AND RUNS THENCE SOUTH 21 FEET TO THE BEGINNING. SUBJECT TO THE RESTRICTIVE COVENANTS FILED FOR RECORD JUNE 20, 1957, IN DEED BOOK 51, PAGE 397, WHICH APPLY TO THE ENTIRE WOODLAND ACRES SUBDIVISION AND REFERENCE IS HERE MADE TO THE SAME FOR THE TERMS THEREOF. TRACT NO. 3: BEGINNING AT AN IRON PIN IN THE SOUTH RIGHT OF WAY OF MORNINGSIDE DRIVE IN WOODLAND ACRES SUBDIVISION, THIS POINT BEING BRIDGES NORTHWEST CORNER AND HALLS NORTHEAST CORNER; THENCE RUNS WITH BRIDGES AND HALL`S LINE, SOUTH 170 FEET TO AN IRON PIN AT THE SIDE OF A HILL; THENCE EAST, 30 FEET TO AN IRON PIN BY A 12 INCH WHITE OAK; THENCE NORTH 10 DEGREES WEST, 172 FEET TO THE POINT OF BEGINNING CONTAINING 2,580 SQUARE FEET MORE OR LESS. BEING THE SAME PROPERTY CONVEYED TO PATRICIA EVERLY AND JOSEPH PAUL WAGNER, AS TENANTS IN COMMON WITH THE RIGHT OF SURVIVORSHIP, BY DEED DATED OCTOBER 3, 2012 OF RECORD IN DEED BOOK 227, PAGE 85, IN THE COUNTY CLERK`S OFFICE.

Parcel ID: 079A-A-015.02

PROPERTY ADDRESS: The street address of the property is believed to be 189 ANN AVE, CAMDEN, TN 38320. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control.  

CURRENT OWNER(S): PATRICIA EVERLY, JOSEPH PAUL WAGNER

OTHER  INTERESTED PARTIES: 

The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose.

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Rubin Lublin TN, PLLC, Substitute Trustee

3145 Avalon Ridge Place, Suite 100

Peachtree Corners, GA 30071

rlselaw.com/property-listing

Tel: (877) 813-0992

Fax: (470) 508-9401

A copy of this notice is 

being published at 

www.BetterChoiceNotices.com

12/18, 25-01/01/2026

____________________________________________________

SUBSTITUTE TRUSTEE'S SALE

Sale at public auction will be on January 27, 2026 on or about 10:00AM local time, at the South door of the Benton County Courthouse, Camden, Tennessee, conducted by the Co-Substitute Trustees as identified and set forth herein below, pursuant to Deed of Trust executed by NANCY JOYCE WILLIAMS, to Anthony R. Steele, Trustee, on November 2, 2021, at Record Book 366, Page 131-149 as Instrument No. 107811 in the real property records of Benton County Register's Office, Tennessee.

Owner of Debt: Vanderbilt Mortgage and Finance, Inc.

The following real estate located in Benton County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record:

BEING a tract or parcel of land located in the Fifth Civil District of Benton County, Tennessee, and being more particularly described as follows:

BEGINNING at iron pin in west right-of-way of Overhead Bridge Road (25 feet from center of road), this point being Myrtle Rials` southeast corner and the northeast corner of this lot; thence with Rials` line, South 32 degrees, 30 minutes West, 195 feet to iron pin in Rials` line and the northwest corner of this lot; thence South 40 degrees, 00 minutes East, 98 feet to iron pin in the southwest corner of said lot; thence North 38 degrees, 00 minutes East, 195 feet to iron pin in right-of-way of said road (25 feet from center of road); thence with right-of-way of said road, North 43 degrees, 00 minutes West, 118 feet to the POINT OF BEGINNING, containing 0.468 acre, more or less.

Also conveyed herewith is a 1994 Giles Pennacle manufactured home, GI-11958, situated thereon and permanently affixed to the land described herein and made a part of the real property. Further the Grantor represents, covenants and agrees that the manufactured home on the land is to remain on the land and has been permanently affixed to the land described herein so as to become a part of the real property.

ABOVE DESCRIPTION COPIED FROM PRIOR INSTRUMENT OF RECORD.

This being the same property conveyed to Nancy Joyce Williams, by virtue of a Warranty Deed dated November 5, 2021, from Richard Allen Lambert, as appears of record in Record Book 366, Page 127, in the Register`s Office of Benton County, Tennessee.

PARCEL ID: 078069.03000

Tax ID:  078069.03000

Current Owner(s) of Property:  NANCY JOYCE WILLIAMS

The street address of the above described property is believed to be 599 Overhead Bridge Road, Camden, TN 38320, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control.

SALE IS SUBJECT TO OCCUPANT(S) RIGHTS IN POSSESSION.

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 TERMS OF SALE ARE CASH. ANY TAXES OR FEES WILL BE THE RESPONSIBILITY OF THE PURCHASER.  IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE PURCHASE PRICE.  THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE GRANTOR, THE GRANTEE, OR THE CO-TRUSTEES.

OTHER INTERESTED PARTIES: ESTATE OF NANCY JOYCE WILLIAMS AND UNKNOWN HEIRS OF NANCY JOYCE WILLIAMS AND LOUIS FAULKNER AND ANNETTE HICKS AND THOMAS FAULKNER

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

If applicable, the notice requirements of T.C.A. 35-5-101 have been met.

All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, but the undersigned will sell and convey only as Co-Substitute Trustee(s). 

If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor or Workforce Development are listed as Interested Parties in the advertisement, then the Notice of this foreclosure is being given to them and the Sale will be subject to the applicable governmental entities’ right to redeem the property as required by 26 U.S.C. 7425 and T.C.A. §67-1-1433.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or co-trustee(s). If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the purchase price.  The Purchaser shall have no further recourse against the Trustor, the Trustee or the Trustee's attorney.

MWZM File No.  25-000227-259-1

For additional sale information visit: https://www.tnforeclosurenotices.com

Mackie Wolf Zientz & Mann, P.C.,

 Co-Substitute Trustee

PARK EAST

725 COOL SPRINGS BLVD, SUITE 140

FRANKLIN, TN 37067

AVT Title Services, LLC, 

Co-Substitute Trustee

PARK EAST

725 COOL SPRINGS BLVD, SUITE 140

FRANKLIN, TN 37067

TN INVESTORS PAGE: 

HTTP://MWZMLAW.COM/TN_INVESTORS.PHP

12/25-01/01/2026

____________________________________________________

PUBLIC NOTICE

The Standing Committees of The Benton County Commission will meet in regular session at the following times:

Insurance Committee Monday, January 12, 2026 - 4:30 P.M.

Property Committee Monday, January 12, 2026 - 5:00 P.M.

Law Enforcement Committee Monday, January 12, 2026 - 6:00 P.M.

Highway Committee Tuesday, January 13, 2026 - 4:00 P.M.

Budget Committee Tuesday, January 13, 2026 - 5:00 P.M.

OTHER COMMITTEES/BOARDS

Solid Waste Board  Thursday, January 8, 2026-5 P.M.

Parks & Recreation Board Thursday, January 15, 2026 5:30 P.M.

TRRD Board  Monday, January 26, 2026-5:30 P.M.

THE JANUARY COUNTY COMMISSION MEETING WILL BE HELD ON MONDAY, JAUNARY 20, 2026 AT 6:00 P.M. DUE TO THE MLK DAY HOLIDAY 

*DIGITAL PARTICIPATION FROM THE PUBLIC WILL BE AVAILABLE VIA FACEBOOK LIVE AND LATER ACCESSIBLE ON YOUTUBE.

All Meetings will be held at The Benton County Courthouse with the exception of The Highway Committee which will be held at The Benton County Highway Department.

01/01/2026