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Jimmerson v. Wilson & Associates, PLLC

United States District Court, W.D. Tennessee, Eastern Division

March 27, 2015

Baron Jimmerson and Kimberly Y. Jimmerson, Plaintiffs,
Wilson & Associates, PLLC and Nationstar Mortgage, LLC, Defendants.


EDWARD G. BRYANT, Magistrate Judge.

On referral for report and recommendation are the motion of Plaintiffs for a temporary injunction [D.E. 7] and the motions of Defendants Wilson & Associates, PLLC [D.E. 8, 8-1] and Nationstar Mortgage, LLC [D.E. 10] to dismiss for failure to state a claim.

Relevant Background

Plaintiffs Baron and Kimberly Jimmerson purchased the property at 5 Hayworth Cove, Jackson, Tennessee in 2004 and their mortgage of $113, 400.00 ultimately was assigned to Defendant Nationstar Mortgage, LLC ("Nationstar").

According to the Plaintiffs, in 2013, they attempted to modify their mortgage and during negotiations, their monthly payments became delinquent. Defendant Nationstar, through its substitute trustee, Defendant Wilson and Associates ("Wilson") foreclosed on the property December 4, 2014 and then sought eviction of the Plaintiffs. On January 21, 2015, the Plaintiffs obtained a temporary restraining order from Madison County, Tennessee Chancellor James Butler and the Chancellor set a hearing on this matter. However, before this hearing by the Chancellor, Defendant Nationstar removed the case to this U.S. District Court and the Co-Defendant Wilson consented to this action.


The Plaintiffs argue that they did not have proper notice of the foreclosure and want to set it aside and also stop the eviction efforts. Plaintiffs also affirm that the terms of their trust deed required notice of sale by (1) public advertisement in the county in which the property is located for the time and in the manner provided by applicable law and (2) the lender or Trustee shall mail a copy of the notice of sale to the to the borrower in the manner provided in the trust deed.

This Court held a brief telephone conference with the attorneys on February 23, 2015 and counsel for Plaintiffs reaffirmed their concession on the mail notice requirement of the deed of trust.[1] However, Plaintiffs contest the validity of the newspaper advertisement of the notice of sale. Plaintiffs complain the publication appeared in a Shelby County, Tennessee business newspaper and was printed in Shelby County. Plaintiffs assert this was not the required newspaper in general circulation in Jackson and Madison County, Tennessee. They argue that section 22 of the trust deed requires strict compliance with the advertisement of the sale and as such, the Shelby County publication is inadequate and a failure of that requirement.

Indeed, this trust deed provision requires (1) notice of sale to be given by public advertisement in the county where the Property is located (2) in accord with the applicable law.

First as to the public notice in the county of the property, Defendants establish that the newspaper in which this foreclosure was published was The [Memphis] Daily News ( The Daily News) and The Proof of Publication states, in relevant part: "The Daily News Publishing Company, the Publisher of The Daily News, a daily newspaper of general circulation and the Publisher of The Daily News, a weekly newspaper of general circulation hereto attached publication appeared in The Daily News on the following dates: October 31, 2014, November 7, 2014 and November 14, 2014. Tenn. Code Ann. ยง35-5-10(a) states: In any sale of land to foreclose a deed of trust, mortgage or other lien securing the payment of money or other thing of value or under judicial orders or process, advertisement of the sale shall be made at least three (3) different times in some newspaper published in the county where the sale is to be made."

Also unrebutted is the affidavit of the Publisher of The Daily News for the past twelve years, who states this newspaper has run public notices, foreclosure notices, bid notices and other public notices in various counties, including Madison County, Tennessee since 2012 and that as of October 31, 2014, The Daily News was distributed in approximately sixty-six (66) locations throughout Madison County, Tennessee.

Lastly, Defendants cite Thacker v. Shapiro & Kirsch, LLP, Paul Abraham and the Knoxville News Sentinel, 354 S.W.3d 733, 737 (Tenn. Ct. App. 2011) which finds the word "publish" to mean "to make generally known, " and holding that publication in an out-of-county newspaper that was in general circulation in the county of the foreclosure sale provided legally sufficient publication notice.

Report and Recommendation

Regarding the requested injunctive relief, when considering a motion for preliminary injunction a district ...

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