Sale at public auction will be on February 20, 2019 at 10:00AM local time, at the south door, Franklin County Courthouse, 1 South Jefferson Street, Winchester, Tennessee pursuant to Deed of Trust executed by Margaret Lorene Robinson, A Widow, to Jamie Green, Trustee, as trustee for CitiFinancial, Inc. on April 20, 2004 at Book T742, Page 659, Instrument No. 04002940; conducted by Shapiro & Ingle, LLP, having been appointed Substitute or Successor Trustee, all of record in the Franklin County Register's Office. Default has occurred in the performance of the covenants, terms, and conditions of said Deed of Trust and the entire indebtedness has been declared due and payable.

Party Entitled to Enforce the Debt: Wilmington Savings Fund Society, FSB, as trustee of Stanwich Mortgage Loan Trust A, its successors and assigns.

The following real estate located in Franklin County, Tennessee, will be sold to the highest call bidder:

Described property located at Franklin County, Tennessee, to wit:

The following described property located in the first (1st) Civil District of Franklin COunty, Tennessee, and being more particularly described as follows, to-wit:

Tract 1: Beginning at a stake located on the East side of Wilson Street, the same being at the Extreme Southwest Corner of Beatrice Shorts Land and the extreme Northwest corner of the tract herein conveyed; thence in a generally Easterly direction along the South boundary of Beatrice Shorts Land, 100 feet to a stake; thence in a generally Westerly direction 100 feet to a stake on the East side of Wilson Street; thence in a generally Northerly direction and along the East Margin of Wilson Street 75 feet to a stake, the same being the point of beginning.

Being a tract of land 75 feet in width and 100 feet in length; and bounded on the North by Beatrice Short; on the East and South by Hattie Golyar; and on the West by Wilson Street

Tract 2:

Beginning at the West Edge of Wilson Street, being the Northeast corner of the property herein described and conveyed, and running thence South 79 deg. West 140 feet to a stake; thence SOuth 23 deg. East 73 feet to a stake; thence North 78 deg. East 112 feet to a stake; thence North 1 deg. West 65 feet to a stake, the point of beginning.

This being the same property conveyed to Waymon Robinson and wife, Margaret Lorene Robinson from Transouth Financial Corporation, by deed dated 05/02/1988 and recorded 05/03/1988 in Book 222 Page 695, Franklin County Records, State of Tennessee.

Street Address: 301 Wilson St, Winchester, Tennessee 37398

Secondary Property Address: Winchester

Parcel Number: 065 M F 006.00

Current Owner(s) of Property: The Heirs of Margaret Lorene Robinson

The street address of the above described property is believed to be 301 Wilson St, Winchester, Tennessee 37398, 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 herein shall control.

This sale is subject to, without limitation, all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory right of redemption of any governmental agency, state or federal; any prior liens or encumbrances including those created by a fixture filing or any applicable homeowners' association dues or assessments; all claims or other matters, whether of record or not, which may encumber the purchaser's title and any matter that an accurate survey of the premises might disclose.

The following parties may claim an interest in the above-referenced property to be affected by the foreclosure: any judgment creditor or lien holder with an interest subordinate to the said Deed of Trust or any party claiming by, through, or under any of the foregoing. Such parties known to the Substitute Trustee may include: Palisades Collection LLC - Assignee of Heilig Meyers; Capital One Bank (USA), N.A.; All parties claiming by, through or under Margaret Robinson.

Terms of Sale will be public auction, for cash, free and clear of rights of homestead, redemption and dower to the extent disclaimed or inapplicable, and the rights of Margaret Lorene Robinson, A Widow, and those claiming through him/her/it/them.

Any right of equity of redemption, statutory and otherwise, and homestead are waived in accord with the terms of said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.

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. 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 Shapiro & Ingle, LLP. 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.

This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded only by the Substitute Trustee at any time. If the Substitute Trustee rescinds the sale, the purchaser shall only be entitled to a return of any money paid towards the purchase price and shall have no other recourse. Once the purchaser tenders the purchase price, the Substitute Trustee may deem the sale final in which case the purchaser shall have no remedy. The real property will be sold AS IS, WHERE IS, with no warranties or representations of any kind, express or implied, including without limitation, warranties regarding condition of the property or marketability of title.

This office may be a debt collector. This may be an attempt to collect a debt and any information obtained may be used for that purpose.

Shapiro & Ingle, LLP

Substitute Trustee

10130 Perimeter Parkway, Suite 400

Charlotte, NC 28216

Phone: (704) 333-8107

Fax: (704) 333-8156

File No. 16-106195