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 August 31, 2012, executed by JOYCE H PHIBBS, KASEY N. PHIBBS, conveying certain real property therein described to CONCORD TITLE, as Trustee, as same appears of record in the Register's Office of Loudon County, Tennessee recorded September 17, 2012, in Deed Book T1150, Page 343-351 at Instrument Number 12008073; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to New Residential GNMA II Homebridge 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 Loudon 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 May 8, 2019 at 1:00 PM at the Front Entrance of the Loudon County Courthouse, 601 Grove Street Loudon, TN 37774, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in Loudon County, Tennessee, to wit: SITUATED IN DISTRICT NO. TWO (2) OF LOUDON COUNTY, TENNESSEE AND WITHIN THE CITY OF LENOIR CITY, TENNESSEE AND KNOWN AS LOT 2 OF THE RE-SUBDIVISION OF SIX LOTS INTO TWO LOTS OF PAYNES ADDITION TO LENOIR CITY, UNIT 3 AND SHOWN ON CLT MAP 231, GROUP C, BEING PARCELS 79, 80, 81, AND 38 AS SHOWN IN PLAT CABINET E, SLIDE 45, IN THE REGISTER`S OFFICE FOR LOUDON COUNTY, TENNESSEE AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: TO FIND THE POINT OF BEGINNING BEGIN AT AN IRON ROD SET AT THE POINT OF INTERSECTION OF THE NORTHEAST RIGHT OF WAY OF KINGSTON STREET AND THE NORTHWESTERN RIGHT OF WAY OF FOURTH AVENUE; THENCE WITH THE RIGHT OF WAY OF FOURTH AVENUE NORTH 50 DEG. 00 MIN. EAST 50 FEET TO A NEW IRON ROD A COMMON CORNER TO LOT 1 AND 2, THE POINT OF BEGINNING; THENCE WITH THE COMMON LINE OF LOT 1 AND LOT 2 NORTH 40 DEG. 00 MIN. WEST 142.50 FEET TO A NEW IRON ROD SET IN AN UNOPENED ALLEY; THENCE WITH THE RIGHT OF WAY OF THE ALLEY NORTH 50 DEG. 00 MIN. EAST 77.50 FEET TO AN IRON ROD FOUND IN THE LINE OF LENOIR CITY COMPANY SHOWN IN MAP 23L, GROUP C, PARCEL 78; THENCE WITH THE LINE OF LENOIR CITY COMPANY SOUTH 40 DEG. 00 MIN. EAST, 142.50 FEET TO AN IRON ROD FOUND IN THE RIGHT OF WAY OF FOURTH AVENUE; THENCE WITH THE RIGHT OF WAY OF FOURTH AVENUE, SOUTH 50 DEG. 00 MIN. WEST, 77.50 FEET TO AN IRON ROD THE POINT OF BEGINNING ACCORDING TO THE SURVEY OF HARRY E. FRASER, RLS # 1156 OF LENOIR CITY, TENNESSEE DATED JULY 20, 2000. Parcel ID: 020K-F-020K-032.00-000PROPERTY ADDRESS: The street address of the property is believed to be 205 E 4TH AVE, LENOIR CITY, TN 37771. 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): JOYCE H PHIBBS, KASEY N. PHIBBS 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 119 S. Main Street, Suite 500 Memphis, TN 38103 Tel: (877) 813-0992Fax: (404) 601-5846 Ad #154125 03/27/2019, 04/10/2019, 04/17/2019, 04/24/2019