News Democrat Public Notices 02/11/26

NOTICE TO CREDITORS

ESTATE OF MELODY CUMMINGS HAY

(Deceased)

2026-PR-5

Notice is hereby given that on the 4^th day of February, 2026 Letters of Testamentary in respect to the Estate of MELODY CUMMINGS HAY, deceased, who died on December 16, 2025, were issued to the Executrix, Karen Cummings Howell, by the Chancery Court of Humphreys County, Tennessee.

All persons, resident and non-resident, having claims, matured or un-matured, against the estate are required to file the same with the Clerk of the above named Court on or before the earlier of the dates prescribed in (1) or (2). Otherwise their claims will forever be 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 date that is four (4) months from the date of the first publication (or posting); or

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

(2) Twelve (12) months from the decedents date of death.

This 4^th day of February, 2026.

Karen Cummings Howell

618 Copperfield Ct.

Brentwood, TN 37027

Personal Representative(s)

/s/ Michael S. Bullion, Clerk & Master

By: Abby Hurt, Chief Deputy Clerk

Morgan Peyton, Deputy Clerk

Stephanie Burney, Deputy Clerk

T. Scott Daniel

Daniel Law, PLLC

129 N. Court Sq.

Waverly, TN 37185

Attorney for Personal Representatives

Publication Dates: February 11 and 18, 2026.

SUBSTITUTE TRUSTEE'S NOTICE OF SALE

Sale at public auction will be on April 1, 2026 at 11:00AM local time, at the north door, Humphreys County Courthouse, 100 N Court Square, Waverly, Tennessee pursuant to Deed of Trust executed by Nathan Poulin, to Scott R. Valby, Trustee, as trustee for Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Mortgage Research Center, LLC dba Veterans United Home Loans, its successors and assigns on March 10, 2023 at Book TD245, Page 1324, Instrument No. 23000700; conducted by LLG Trustee TN LLC, having been appointed Substitute or Successor Trustee, all of record in the Humphreys 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:  Mortgage Research Center, LLC d/b/a Veterans United Home Loans a Missouri Limited Liability Company, its successors and assigns.

The real estate located in Humphreys County, Tennessee, and described in the said Deed of Trust will be sold to the highest call bidder.  The terms of the said Deed of Trust may be modified by other instruments appearing in the public record.  Additional identifying information regarding the collateral property is below and is believed to be accurate, but no representation or warrant is intended.

Street Address: 100 Sutton Avenue, Waverly, Tennessee 37185

Parcel Number: 064KA011.00000

Current Owner(s) of Property: Nathan Poulin

This sale is subject to all matters shown on any applicable recorded Plat or Plan; any unpaid taxes and assessments; any restrictive covenants, easements or setback lines that may be applicable; rights of redemption, equity, statutory or otherwise, not otherwise waived in the Deed of Trust, including rights of redemption of any government agency, state or federal; and any and all prior deeds of trust, liens, dues, assessments, encumbrances, including those created by a fixture filing or any applicable homeowners’ association dues or assessments; any defects, adverse claims and other matters that may take priority over the Deed of Trust upon which this foreclosure sale is conducted or are not extinguished by this Foreclosure Sale; all claims or other matters, whether recorded 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, though, or under any of the foregoing. Such parties known to the Substitute Trustee may include: None.

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 Nathan Poulin, 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 postpone or adjourn the sale to another time certain or to another specified date, time, and location certain, without further newspaper publication upon announcement by posting with the third-party internet posting company and announcing on the date, time, and location of each sale set forth above or any subsequent postpone or adjourned date, time, and location of sale; provided, however if the sale is postponed or adjourned for less than five (5) days after the original sale, announcement by internet posting is not required.

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 LOGS Legal Group 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.

THE PROPERTY IS SOLD WITHOUT ANY REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, RELATING TO TITLE, MARKETABILITY OF TITLE, POSSESSION, QUIET ENJOYMENT OR THE LIKE AND FITNESS FOR A GENERAL OR PARTICULAR USE OR PURPOSE. The title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.

This Notice of Sale can be viewed online by Better Choice Notice Solutions at HTTPS://BetterChoiceNotices.com

LLG Trustee TN LLC

Substitute Trustee

8520 Cliff Cameron Dr., Suite 330

Charlotte, NC 28269

Phone (704) 333-8107

Fax (704) 333-8156

File No. 25-126409

Publication Dates: February 11 and 18, 2026.

DEPARTMENT OF HOMELAND SECURITY

FEDERAL EMERGENCY MANAGEMENT AGENCY

Proposed Flood Hazard Determinations for Humphreys County, Tennessee and Incorporated Areas

The Department of Homeland Security’s Federal Emergency Management Agency has issued a preliminary Flood Insurance Rate Map (FIRM), and where applicable, Flood Insurance Study (FIS) report, reflecting proposed flood hazard determinations within Humphreys County, Tennessee and Incorporated Areas.  These flood hazard determinations may include the addition or modification of Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway.  Technical information or comments are solicited on the proposed flood hazard determinations shown on the preliminary FIRM and/or FIS report for Humphreys County, Tennessee and Incorporated Areas.  These flood hazard determinations are the basis for the floodplain management measures that your community is required to either adopt or show evidence of being already in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program.  However, before these determinations are effective for floodplain management purposes, you will be provided an opportunity to appeal the proposed information.  For information on the statutory 90-day period provided for appeals, as well as a complete listing of the communities affected and the locations where copies of the FIRM are available for review, please visit FEMA’s website at https://www.floodmaps.fema.gov/fhm/BFE_Status/bfe_main.asp or call the FEMA Mapping and Insurance eXchange (FMIX) toll free at 1-877-FEMA MAP (1-877-336-2627).

Publication Date: February 4 and 11, 2026.

PUBLIC NOTICE

The Towers, LLC are proposing to build a 275‐foot Self-Support Telecommunication Tower. Anticipated lighting application is medium intensity dual red/white strobes. The site location is near Dry Creek Rd, Waverly, Humphreys County, TN 37185 (36° 05’ 10.51” North, 87° 51’ 02.59” West). The Federal Communications Commission (FCC) Antenna Structure Registration (ASR, Form 854) filing number is A1376410.

ENVIRONMENTAL EFFECTS – Interested persons may review the application (www.fcc.gov/asr/applications) by entering the filing number. Environmental concerns may be raised by filing a Request for Environmental Review (www.fcc.gov/asr/environmentalrequest) and online filings are strongly encouraged. The mailing address to file a paper copy is: FCC Requests for Environmental Review, Attn: Ramon Williams, 45 L Street NE, Washington, DC 20554.

HISTORIC PROPERTIES EFFECTS ‐ Public comments regarding potential effects on historic properties may be submitted within 30 days from the date of this publication to: Terracon, 2105 Newpoint Place, Suite 600, Lawrenceville, GA 30043; 770-623-0755; PublicNoticeAtlanta@terracon.com. Reference Terracon Project No. 49267096.

Publication Date: February 11, 2026.