SUBSTITUTE TRUSTEE'S SALE Sale at public auction will be on January 8, 2019 on or about 2:00PM local time, at the Front door of the Hawkins County Courthouse, Rogersville, Tennessee, conducted by the Substitute Trustee as identified and set forth herein below, pursuant to Deed of Trust executed by WILLIAM J. TATE AND LETITIA D. CUMBOW, to J. Robert Boatright, Trustee, on February 19, 2016, at Record Book 1190, Page 641-651 as Instrument No. 16001205 in the real property records of Hawkins County Register's Office, Tennessee. Owner of Debt: PACIFIC UNION FINANCIAL, LLC. The following real estate located in Hawkins County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: William J. Tate and Letitia D. Cumbow Located in the town of Mt. Carmel, 7th Civil District of Hawkins County, Tennessee: Being Lot 169 of Hammond Estates, Phase V, a map or plat of same drawn by Murrell Weems, RLS Tennessee No. 285, PO Box 304, Rogersville, Tennessee 37857 dated April 1998 being of record in Map Cabinet 3, Envelope 739-A in the Register`s Office for Hawkins County, at Rogersville, Tennessee. And being the same property conveyed to William J. Tate and Letitia D. Cumbow, Tenants in Common with the Right of Survivorship, by Warranty Deed dated February 19, 2016 of record in Book 1190, Page 638 in the Register`s Office for Hawkins County, at Rogersville, Tennessee. Tax Map 21L, Group B, Parcel 38.00 Premises subject to restrictions of record in Book 421, Page 451 in the Register`s Office for Hawkins County, at Rogersville, Tennessee. Description taken from prior conveyance without the benefit of a new survey. Tax ID: 21L, Group B, Parcel 38.00 Current Owner(s) of Property: WILLIAM J. TATE AND LETITIA D. CUMBOW The street address of the above described property is believed to be 203 Valley Crest Dr, Mount Carmel, TN 37645, 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 TRUSTEE. OTHER INTERESTED PARTIES: None 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 Substitute Trustee. 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 trustee. 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 Mortgagor, the Mortgagee or the Mortgagee's attorney. MWZM File No. 18-000272-840-1 Mackie Wolf Zientz & Mann, P.C., Substitute Trustee(s) PREMIER BUILDING, SUITE 404 5217 MARYLAND WAY BRENTWOOD, TENNESSEE 37027 PHONE: (615) 238-3630 EMAIL: TNSALES@MWZMLAW.COM 3x 11/28;12/5,12/2018