WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated December 12, 2011, executed by MARY ANN HOWELL, conveying certain real property therein described to FNC TITLE SERVICES, LLC, as Trustee, as same appears of record in the Register's Office of Coffee County, Tennessee recorded December 29, 2011, in Deed Book T846, Page 259 ; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to Reverse Mortgage Solutions, Inc. who is now the owner of said debt; andWHEREAS, 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 Coffee 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 June 6, 2019 at 3:00 PM at the Coffee County Justice Center 300 Hillsboro Boulevard, Manchester, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Coffee County, Tennessee, to wit:THAT CERTAIN TRACT OR PARCEL OF LAND IN COFFEE COUNTY, STATE OF TENNESSEE, DESCRIBED AS FOLLOWS, TO-WIT:LOTS THIRTEEN (13) AND FOURTEEN (14), BLOCK THIRTY-TWO (32), SECTION ELEVEN (11), OF LAKEWOOD PARK, AN ADDITION OF COFFEE COUNTY, TENNESSEE, THE PLAT OF SAID LAND APPEARING ON RECORD IN PLAT CABINET 166B IN THE REGISTER`S OFFICE IN COFFEE COUNTY, TENNESSEE, SUBJECT TO EASEMENTS, COVENANTS, RESERVATIONS AND RESTRICTIONS OF RECORD.Parcel ID: 101P A 013.00PROPERTY ADDRESS: The street address of the property is believed to be 125 ELM LANE, BEECHGROVE, TN 37018. 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): ESTATE AND/OR HEIRS AT LAW OF MARY HOWELLOTHER INTERESTED PARTIES: HSBC BANK NEVADA, N.A./UNION TRUSTThe 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 Trustee119 S. Main Street, Suite 500Memphis, TN (877) 813-0992Fax: (404) 601-5846 Ad #156042 05/08/2019, 05/15/2019, 05/22/2019