Crockett County Times Public Notices, January 7, 2026

NOTICE OF DEFAULT AND FORECLOSURE SALE

WHEREAS, on September 18, 2009, a certain Home Equity Conversion Deed of Trust (“Reverse

Mortgage”) was executed by BOBBY JOE DAVIS, an unmarried man, in favor of EQUIPOINT

FINANCIAL NETWORK, INC., as beneficiary and Arnold M. Weiss, as trustee, and was recorded on

October 26, 2009 under Clerk`s Instrument Number 21345, Book 258, Page 247-255 in the real property

records of Crockett County, Tennessee.

WHEREAS, the Reverse Mortgage was insured by the United States Secretary of Housing and Urban

Development (the “Secretary”) pursuant to the National Housing Act for the purpose of providing single

family housing; and

WHEREAS, the beneficial interest in the Reverse Mortgage is now owned by the Secretary, pursuant to

an assignment dated December 17, 2018, and recorded on April 25, 2019, under Clerk`s Instrument

Number 42607 in the real property records of Crockett County, Tennessee; and

WHEREAS, a default has been made in the covenants and conditions of the Reverse Mortgage in that a

Borrower dies and the Property is not the principal residence of at least one surviving Borrower; and

WHEREAS, the entire amount delinquent as of February 13, 2026, is $79,918.33; and

WHEREAS, by virtue of the default, the Secretary has declared the entire amount of the indebtedness

secured by the Reverse Mortgage to be immediately due and payable;

NOW THEREFORE, pursuant to powers vested in Mackie Wolf Zientz & Mann, P.C. by the Single

Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by

the Secretary’s designation of Mackie Wolf Zientz & Mann, P.C. as Foreclosure Commissioner, recorded

in the real property records of Crockett County, Tennessee under Instrument number 57960, notice is

hereby given that on February 13, 2026, on or about 11:00AM  local time, all real property at or used in

connection with the following described premises (“Property”) will be sold at public auction to the

highest bidder:

Commonly known as: 489 Salem Road, Gadsden, TN 38337.

Tax ID:  053-018.00

The sale will be held in Crockett County, Tennessee at the following location: at the main door of the

Crockett County Courthouse, Alamo, Tennessee.

The Secretary of Housing and Urban Development will bid $79,918.33.

There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay,

at or before closing, his pro rata share of any real estate taxes that have been paid by the Secretary to the

date of the foreclosure sale.

When making their bids, all bidders except the Secretary must submit a deposit totaling $7,991.83 in the

form of a certified check or cashier’s check made out to the Secretary of HUD.  A deposit need not

accompany each oral bid.  If the successful bid is oral, a deposit of $7,991.83 must be presented before

the bidding is closed.  The deposit is nonrefundable.  The remainder of the purchase price must be

delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause

shown, time being of the essence.  This amount, like the bid deposits, must be delivered in the form of a

certified or cashier’s check.  If the Secretary is the highest bidder, he need not pay the bid amount in cash.

The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after

the delivery date of the remainder of the payment and all other costs associated with the transfer of title.

At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them.

The Secretary may grant an extension of time within which to deliver the remainder of the payment.  All

extensions will be for 15-day increments for a fee of $500.00, paid in advance.  The extension fee shall be

in the form of a certified or cashier’s check made payable to the Secretary of HUD.  If the high bidder

closes the sale prior to the expiration of any extension period, the unused portion of the extension fee

shall be applied toward the amount due.

If the high bidder is unable to close the sale within the required period, or within any extension of time

granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of

the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for

any costs incurred as a result of such failure.  The Commissioner may, at the direction of the HUD

representative, offer the property to the second highest bidder for an amount equal to the highest price

offered by that bidder.

There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor

or others subsequent to a foreclosure completed pursuant to the Act.  Therefore, the Foreclosure

Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in

accordance with the terms of the sale as provided herein.  HUD does not guarantee that the property will

be vacant.

Other interested Parties: ESTATE OF BOBBY JOE DAVIS AND UNKNOWN HEIRS OF BOBBY JOE

DAVIS AND SECRETARY OF HOUSING & URBAN DEVELOPMENT.

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

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.

1433. §67-1-1433.

The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written

application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale,

or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of

service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are

tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the

Secretary of HUD, before public auction of the property is completed.

The amount that must be paid if the mortgage is to be paid in full prior to the scheduled sale is

$79,918.33, plus all other amounts that would be due under the mortgage agreement if payments under

the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice,

mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner’s

attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the

necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a

commission for the Foreclosure Commissioner, and all other costs incurred in connection with the

foreclosure prior to reinstatement.

Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale

shall be submitted to the address of the Foreclosure Commissioner provided below.

Date: December 2, 2025

__________________________________

By Andrew Jensen, Attorney at Law, Bar No. 043120

Mackie Wolf Zientz & Mann, P.C.

Foreclosure Commissioner

Park East

725 Cool Springs Blvd, Suite 140

Franklin, TN 37067

(615) 238-3630

(615) 777-4517 Fax

MWZM File: 25-000043-430-1

TN INVESTORS PAGE: HTTP://MWZMLAW.COM/TN_INVESTORS.PHP

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NOTICE TO CREDITORS

Estate of Frances Annette Proctor Riddick No. 11315

Notice is hereby given that on the 16th day of December 2025, Letters of Testamentary in respect to the estate of Frances Annette Proctor Riddick who died Teststate, were issued to the undersigned by the Probate Court of Crockett County, Tennessee.

All persons, resident and non-resident, having claims, matured or unmatured, against the estate are required to file the same with the Clerk of the above-named Court in triplicate on or before the earlier of the dates prescribed in (1) or (2) otherwise their claims will be forever barred.

(1) (A) Four (4) months from the date of the first publication (or posting, as the case may be) of this notice if the creditor received an actual copy of this notice to creditors at least sixty (60) days before the date that is four (4) months from the date of the first publication (or posting); or

(B) Sixty (60) days from the date the creditor received an actual copy of the notice to creditors if the creditor received the copy of the notice less than sixty (60) days prior to the date that is four (4) months from the date of first publication (or posting) as described in (1)(A); or 

(2)  Twelve (12) months from the decedent’s date of death.

This 16th day of December 2025

Carol Proctor Tucker, Co-Petitioner

Harold Edward Proctor, Co-Petitioner

Estate of Frances Annette Proctor Riddick

James Stephenson, Clerk & Master

Sara E. Barnett, Attorney

312 East Lafayette Street

P.O. Box 2004

Jackson, TN.  38302-2004

731-424-0461

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NOTICE TO CREDITORS

Estate of Davie Lee Riddick No. 11316

Notice is hereby given that on the 16th day of December 2025, Letters of Testamentary in respect to the estate of Davie Lee Riddick who died Teststate, were issued to the undersigned by the Probate Court of Crockett County, Tennessee.

All persons, resident and non-resident, having claims, matured or unmatured, against the estate are required to file the same with the Clerk of the above-named Court in triplicate on or before the earlier of the dates prescribed in (1) or (2) otherwise their claims will be forever barred.

(1) (A) Four (4) months from the date of the first publication (or posting, as the case may be) of this notice if the creditor received an actual copy of this notice to creditors at least sixty (60) days before the date that is four (4) months from the date of the first publication (or posting); or

(B) Sixty (60) days from the date the creditor received an actual copy of the notice to creditors if the creditor received the copy of the notice less than sixty (60) days prior to the date that is four (4) months from the date of first publication (or posting) as described in (1)(A); or 

(2)  Twelve (12) months from the decedent’s date of death.

This 16th day of December 2025

Carol Proctor Tucker, Petitioner

Estate of Davie Lee Riddick

James Stephenson, Clerk & Master

Sara E. Barnett, Attorney

312 East Lafayette Street

P.O. Box 2004

Jackson, TN.  38302-2004

731-424-0461

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SUBSTITUTE TRUSTEE'S NOTICE OF SALE

WHEREAS, by Deed of Trust of record in Deed of Trust Book 330, at Pages 142-161, and being instrument no. 47563, of record in the Register’s Office for Crockett County, Tennessee, dated June 7, 2021 and recorded on June 11, 2021, Kacee Autumn Savage and Corey D. Savage, husband and wife, trustors, conveyed to Tim Williams as trustee, for 21st  Mortgage Corporation as beneficiary, the hereinafter described real property to secure the payment of a Consumer Loan Note dated June 7, 2021 (the “Note”) and other indebtedness as described in said Deed of Trust; and

WHEREAS, Tim Williams resigned as Trustee under said Deed of Trust and Philip L. Robertson was appointed as Substitute Trustee pursuant to a certain Appointment of Substitute Trustee of record in Deed of Trust Book 357 at Pages 674-675, and being instrument no. 56267, in the Register’s Office for Crockett County, Tennessee; and

WHEREAS, default in the payment of the indebtedness secured by said Deed of Trust has been made; and the entire balance of which having been declared due and payable in accordance with the terms of said Note and Deed of Trust, the owner and holder of said indebtedness, 21st Mortgage Corporation,  has directed me, the undersigned, Substitute Trustee, to foreclose said Deed of Trust and to advertise and sell the real property in satisfaction of said debt and the cost of foreclosure, in accordance with the terms and provisions of the Note and Deed of Trust.

NOW, THEREFORE, by virtue of the authority vested in me by said Deed of Trust, I or my duly appointed agent, will on the 5th day of February, 2026, offer for sale and sell the following described real property  —  believed to have an address of 555 Salem Road, Gadsden, Tennessee —  at the usual and customary location at the historic Crockett County Courthouse, front entrance, 1 S. Bells St., located in Alamo, Tennessee, beginning at or about 11:00 a.m. to the last, highest, and best bidder for cash, and free from all rights and equities of redemption, homestead, dower, marital share and all other exemptions and other rights of every kind, including the statutory right of redemption, all of which were expressly waived by the terms of said Deed of Trust. This sale is subject to, however, such prior encumbrances and priority tax liens as may appear of record in said Register's Office.  Purchase price shall be due and payable at the time and place of sale or in cash by wire transfer, received not later than close business of the next business day after the day of the sale. The property herein to be foreclosed is described as follows:

The property may also have a street address of 555 Salem Road, Gadsden, Tennessee; however, no warranty is made thereto.  The controlling designation of the property is the legal description set forth above.

Pursuant to T.C.A. 47-9-604 this sale shall also include a manufactured home described as one (1) 2021 Tru MH Celebration with serial number SRB038631AL.

NOW, THEREFORE, in compliance with Tenn. Code Ann. § 35-5-104(a), a true and correct copy of this Notice is displayed online and available for public viewing at HTTPS://BetterChoiceNotices.com

If the United States or the State of Tennessee have any liens or claimed lien(s) on the Property, and are named herein as interested parties, timely notice has been given to the applicable governmental entity, and the sale will be subject to any applicable rights of redemption held by the entity as required by 26 U.S.C. § 7425 and/or Tenn. Code Ann. § 67-1-1433.

The sale will be for cash without warranty of any kind including the location, condition or set back of improvements on the property.  Undersigned reserves the right to sell the property in individual parcels and / or in a group, in the sole discretion of Undersigned.  The property is subject to any and all restrictive covenants or easements of record with the Register’s Office, Crockett County, Tennessee.  The proceeds of the sale will be applied in accordance with the provisions of the Deed of Trust.  If the highest bidder is unable to comply with the terms of sale, undersigned reserves the right to sell the property to the next highest bidder able to comply or to readvertise the sale if he chooses.  Undersigned reserves the right to conduct the sale through his duly appointed agent, or to postpone the date and time of sale upon announcement at the time and place specified above. 

Philip L. Robertson

Robertson Law Group

555 Marriott Drive, Ste 315

Nashville, TN 37214

probertson@robertsonlg.com

615-823-1862

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PUBLIC HEARING NOTICE

CITY OF BELLS

INTENT TO APPLY FOR CDBG 2026

A public meeting will be held on January 22, 2026, at 3:00 p.m. The public is urged to attend this meeting, which will be held at:

Bells City Hall

12984 US-79

Bells, TN 38006

The purpose of this meeting is to discuss City of Bells’ intent to submit application for a FY2026 Community development Block Grant, to identify community needs and to explore the use of CDBG funds to address those needs.

The City of Bells does not discriminate on the basis of race, color, national origin, sex, religion, age, or disability. Persons needing special accommodations due to disability may contact City Hall at 731-663-2334.

Mayor Eric Jordan

City of Bells

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GRAND JURY NOTICE

It is the duty of your Grand Jury to investigate any public offense, which they have reason to believe has been committed and which is triable or indictable in this county. Any person having knowledge or proof that such an offense has been committed may apply to testify before the Grand Jury subject to the provisions of Tennessee Code Annotated, section 40- 12-014. The foreman of the Crockett County Grand Jury is presently Jule Nance, 549 E. Park Street, P.O. Box 311, Alamo, Tennessee 38001. 

The Grand Jury will next meet on Monday, February 2, 2026, at 9:00 am. You may be prosecuted for perjury for any oral or written statement which you make under oath to the Grand Jury, when you know the statement to be false or when the statement touches on a matter material to the point in question. 

In compliance with Tennessee Code Annotated, section 40-12-105. 

Kim R. Kail 

Circuit Court Clerk 

Crockett County, Tennessee

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Public Notice:

The Crockett County courthouse and all county offices, including all Crockett County convenience centers, will be closed Monday, January 19, in observance of Dr. Martin Luther King Jr’s Day.

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Public Notice:

The Crockett County Budget Committee will meet Tuesday, January 20, at 6 p.m. in the downstairs courtroom of the Crockett County courthouse.

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Public Notice:

The Crockett County Commission will meet Tuesday, January 20, at 6:30 p.m. in the downstairs courtroom of the Crockett County courthouse.

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PUBLIC HEARING

A public hearing for the adoption of the updated 2018 edition of the International Residential Code (IRC) will be held on Monday, January 20, during the County Commission meeting at 6:30 p.m.

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NOTICE TO CREDITORS

Estate of Carolyn Wilhite Roberts No. 11319

Notice is hereby given that on the 22nd  day of December 2025, Letters of Administration in respect to the estate of Carolyn Wilhite Roberts who died Intestate, were issued to the undersigned by the Probate Court of Crockett County, Tennessee.

All persons, resident and non-resident, having claims, matured or unmatured, against the estate are required to file the same with the Clerk of the above-named Court in triplicate on or before the earlier of the dates prescribed in (1) or (2) otherwise their claims will be forever barred.

(1)    (A)  Four (4) months from the date of the first publication (or posting, as the case may be) of this notice if the creditor received an actual copy of this notice to creditors at least sixty (60) days before the date that is four (4) months from the date of the first publication (or posting); or

(B)  Sixty (60) days from the date the creditor received an actual copy of the notice to creditors if the creditor received the copy of the notice less than sixty (60) days prior to the date that is four (4) months from the date of first publication (or posting) as described in (1)(A); or 

(2)  Twelve (12) months from the decedent’s date of death.

This 22nd day of December 2025.

John Roberts, Co-Administrator 

David Roberts, Co-Administrator 

Estate of Carolyn Wilhite Roberts 

James Stephenson, Clerk & Master

Randy C. Camp  Attorney 

29 North Bells Street 

Alamo, Tennessee 38001

731-345-4050    

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VACANCY NOTICE

Anyone interested in filling the position of District 8 position 1 for the Crockett County Commission until the next general election in August of this year (2026), please contact Crockett County Mayor Gary Reasons at (731) 696-5460.

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