                IN THE COURT OF APPEALS OF TENNESSEE
                             AT JACKSON
                        ASSIGNED ON BRIEFS MAY 7, 2010

            SELF HELP VENTURES FUND v. GLENNA ROBILIO

               Direct Appeal from the Circuit Court for Shelby County
                      No. CT-000814-07     Jerry Stokes, Judge


                  No. W2009-00368-COA-R3-CV - Filed June 1, 2010


The pro se defendant in an unlawful detainer action appeals an award of summary judgment
in favor of the ultimate purchaser at foreclosure. Because the purchaser has demonstrated
undisputed facts that show the existence of the elements of its unlawful detainer action, and
because the defendant has failed to show the existence of a genuine issue of material fact, we
affirm the trial court’s grant of summary judgment. We further dismiss the defendant’s
remaining issues.


  Tenn. R. App. P. 3; Appeal as of Right; Judgment of the Circuit Court Affirmed

A LAN E. H IGHERS, P.J., W.S., delivered the opinion of the Court, in which D AVID R. F ARMER,
J., and H OLLY M. K IRBY, J., joined.

Glenna Robilio, Memphis, Tennessee, pro se

Harris P. Quinn, Memphis, Tennessee, for the appellee, Self Help Ventures Fund
                                                OPINION

                                I.   F ACTS & P ROCEDURAL H ISTORY

        A company called Netbank held a Deed of Trust on certain real property owned by
Glenna Robilio located at 1109 Perkins Terrace, Memphis, Tennessee (the “Property”).
According to the Affidavit of former Netbank Vice President Sally Dover, after Ms. Robilio
defaulted in her payment obligations 1 to Netbank under the Deed of Trust, Netbank mailed
a letter, dated February 3, 2005, by first class mail to Ms. Robilio at the Property’s address.
The letter, a copy of which is included in the record before us, reads:

       You are hereby notified as follows:

              a. You have breached the terms of the deed of trust securing the
       captioned loan in that you have failed to make the monthly payments which
       were due on November 01, 2003 through February 03, 2005, inclusive.

               b. To cure this breach as of this date you must pay $19388.26 in
       certified funds, money order or through Western Union Quick Collect service.
       The amount necessary to cure the breach will increase when additional
       payment or an additional late charge becomes due.

                  c. This breach must be cured by 03-05-05.

               d. A failure to cure this breach on or before the date specified above
       will result in acceleration of the sums secured by the deed of trust and will
       result in a foreclosure sale of your property.

             e. If this breach is not cured, foreclosure action will begin in
       approximately 45 days, and a deficiency judgment may be pursued.

                  f. This breach may be reported to the credit bureau.

       After acceleration you would have the right to reinstate your loan prior to the
       fifth day before a foreclosure sale of your property by curing all breaches of
       the terms of the deed of trust and by paying all reasonable expenses incurred
       by the lender or trustee in enforcing the deed of trust.



       1
           Ms. Robilio does not argue that she was not in default.

                                                     -2-
       After acceleration you would have the right to bring a court action to assert the
       non-existence of a default or any other defense you may have to acceleration
       and sale.

According to Ms. Dover’s Affidavit, Ms. Robilio failed to cure her defaults on or before the
date specified in the letter, and Netbank exercised its option to accelerate her indebtedness
without further demand on Ms. Robilio.

      The Affidavit of Netbank attorney Harris P. Quinn indicates that Ms. Robilio filed
Chapter 13 Bankruptcy Case No. 05-28888 on June 15, 2005, which was dismissed on July
28, 2005, and Chapter 13 Bankruptcy Case No. 05-31893 on August 5, 2005, which was
dismissed on November 18, 2005. A foreclosure sale of the Property was scheduled for
March 3, 2006. The following publication appeared in The Daily News, a Memphis
newspaper, on February 10, 17 and 24, 2006:

       Default having occurred in the payment of the debts and obligations by a
       certain Deed of Trust executed July 30, 2003 by Glenna F. Robilio, to Kathryn
       L. Harris, as Trustee . . . this is to give notice that the undersigned will, on
       Friday, March 3, 2006 commencing at 12:20 p.m. at the main door of the
       Southwest entrance of the Adams Avenue entrance of the Courthouse,
       Memphis, Shelby County, Tennessee, proceed to sell at public outcry to the
       highest and best bidder for cash, the [Property].

              ....

              Interested Parties:   Glenna Robilio
              Owner of Debt:        NetBank

       All announcements at the sale on the date of the sale will take priority over this
       notice.

A copy of the Notice of Substitute Trustee Sale was mailed to Ms. Robilio at the Property
on February 10, 2006, and the article was signed for by Ms. Robilio as delivered on February
23, 2006. According to Mr. Quinn’s Affidavit, on February 28, 2006, Ms. Robilio filed
Chapter 13 Case No. 06-21370. She also filed both a Complaint to enjoin the foreclosure
sale and a Motion to Impose an Automatic Stay under the Bankruptcy Code. Following a
hearing, the bankruptcy court entered an order on March 10, 2006, imposing an automatic




                                              -3-
stay; however, the court authorized Netbank to continue the foreclosure sale to another date,2
with the stipulation that “no deed is to be recorded pending further order of this Court or
unless confirmation of Debtor’s Chapter 13 Plan is denied or unless the case is dismissed
after confirmation[.]” By consent order, the March 10, 2006 order was supplemented to
provide that Netbank “shall have the option of continuing the foreclosure sale from time to
time by announcement at the foreclosure sale.”

        In his Supplemental Affidavit, Mr. Quinn states that he “appeared at the main door
of the Southwest entrance of the Adams Avenue entrance of the Shelby County Courthouse
at 12:20 p.m. on March 3, 2006 and announced that the Substitute Trustee Sale of the
Property was being continued to March 31, 2006 at 12:20 p.m.” Ms. Robilio did not appear
at the scheduled March 3, 2006 Substitute Trustee Sale.

       On May 26, 2006, the bankruptcy court entered an “Order Confirming Plan,” which
provided that “[a]ll property shall remain property of the Chapter 13 estate[.]” Netbank filed
an objection, and an agreed order was entered on August 25, 2006, which stated that

        if Netbank fails to receive a monthly ongoing mortgage payment from the
        Trustee in any month beginning September 2006, then the automatic stay shall
        be terminated as to Netbank, the subject Property and the proceeds thereof
        without further notice, hearing, order or ten (10) day stay notwithstanding any
        future modification of the Plan in which event Debtor shall voluntarily
        surrender the subject Property to Netbank. 3

The Trustee’s record attached to Mr. Quinn’s Affidavit indicates that Netbank did not receive
on-going mortgage payment disbursements beginning September 2006. Therefore, after
periodic continuances, the Substitute Trustee Sale was scheduled for October 30, 2006 at
12:20 p.m. Attached to Mr. Quinn’s Second Supplemental Affidavit is a copy of an e-mail
sent by him to Ms. Robilio’s attorney, notifying him of the scheduled sale and specifically
advising him that he “anticipate[d] that the lender [would] proceed with the sale at that time
due to debtor’s payment defaults.” On October 30, 2006, a foreclosure sale was conducted,
and on November 6, 2006, a Successor’s Trustee Deed was recorded transferring ownership
of the Property to Federal National Mortgage Association (“FNMA”).

        2
         Mr. Quinn states that Ms. Robilio was present in the courtroom when the court authorized the
continuance.
        3
            The agreed order provided that if Netbank failed to receive its mortgage arrearage, that “Netbank
may give written notice to Debtor . . . that Debtor is in default . . . and that Debtor needs to cure the default.
. . . If Debtor fails to timely cure the default after written notice, then the automatic stay shall be immediately
terminated as to Netbank . . . without further notice, hearing order or ten (10) day stay[.]”

                                                       -4-
       On October 25, 2006, just prior to the sale, the bankruptcy court dismissed Ms.
Robilio’s Chapter 13 case for failure to abide by court orders, and on November 3, 2006, Ms.
Robilio filed a Notice of Appeal and a Motion to Impose Automatic Stay in the bankruptcy
court. Following a hearing, the bankruptcy court issued an order granting “Ms. Robilio’s
motion to impose the stay as to all creditors except for Netbank[.]”

        On January 3, 2007, FNMA filed the present action, a Forcible Entry and Detainer
Warrant in the general sessions court of Shelby County, Tennessee, against Ms. Robilio. On
January 26, 2007, Ms. Robilio filed a “Motion to Remand this Case Back to the U.S.
Bankruptcy Court for the Six Circuit, Appellate Panel” and a “Motion to Dismiss this Case,
It is a Moot Case.” Among the various grievances listed was the assertion that NetBank
never provided her notice of the foreclosure sale or a payoff statement to allow her to cure
the default. On February 5, 2007, the general sessions court granted possession of the
Property to FNMA. Ms. Robilio appealed to the circuit court.

       FNMA filed a motion for summary judgment in the circuit court on June 20, 2007,
seeking a judgment for possession of the Property, which was granted on July 27, 2007. On
appeal, we reversed the trial court’s grant of summary judgment, finding that FNMA had
failed to address Ms. Robilio’s arguments regarding lack of notice, thus leaving open a
factual question. Fed. Nat’l Mortgage Ass’n v. Robilio, No. W2007-01758-COA-R3-CV,
2008 WL 2502114, at *1 (Tenn. Ct. App. June 24, 2008).

        Pursuant to a Quit Claim Deed recorded on December 15, 2008, FNMA conveyed all
of its right, title and interest in the Property to Self Help Ventures Fund (“SHVF”). The
circuit court, on January 16, 2009, entered an order granting FNMA’s motion to substitute
Self Help Ventures Fund (“SHVF”) as plaintiff. Thereafter, on February 17, 2009, SHVF
filed a motion for summary judgment, which the trial court granted in an April 7, 2009 order.
Ms. Robilio appeals.4

                                       II.    I SSUES P RESENTED

        Appellant presents the following issues for review, as we perceive them:

1.      Whether the trial court erred in granting SHVF’s motion for summary judgment;



        4
         Prior to the entry of the final judgment, Ms. Robilio appealed to this Court. Although we found Ms.
Robilio’s appeal premature, based on her correspondence with this Court after entry of the final judgment
which “adequately advised the courts and Appellee that she intended to appeal the trial court’s order of April
7, 2009[,]” we waived any procedural insufficiencies in her Notice of Appeal.

                                                     -5-
2.     Whether the trial court addressed Appellant’s evidence/counter complaint; and

3.     Whether Appellant’s due process rights were violated.

For the following reasons, we affirm the circuit court’s grant of summary judgment to SHVF.


                                     III.   D ISCUSSION

                                  A. Summary Judgment

       Proceeding pro se, Ms. Robilio challenges the trial court’s award of summary
judgment to SHVF. Summary judgment is appropriate when “there is no genuine issue as
to any material fact and . . . the moving party is entitled to judgment as a matter of law.”
Tenn. R. Civ. P. 56.04. Ruling on a motion for summary judgment does not involve
disputed issues of fact, but only questions of law. Owner-Operator Indep. Drivers Ass’n v.
Concord EFS, Inc., 59 S.W.3d 63, 68 (Tenn. 2001). Thus, our standard for reviewing a
grant of summary judgment is de novo with no presumption of correctness as to the trial
court’s findings. See Webber v. State Farm Mut. Auto. Ins. Co., 49 S.W.3d 265, 269 (Tenn.
2001). The evidence must be viewed “in the light most favorable to the nonmoving party,”
and all reasonable inferences must be drawn in the non-moving party’s favor. Staples v.
CBL & Assocs., 15 S.W.3d 83, 89 (Tenn. 2000).

        Summary judgment is appropriate only when the moving party can show that there
exists no genuine issue of material fact. Hannan v. Alltel Publ’g Co., 270 S.W.3d 1, 5
(Tenn. 2008) (citing Tenn. R. Civ. P. 56.04; Byrd v. Hall, 847 S.W.2d 208, 214 (Tenn.
1993)). There are two burden-shifting methods available when the moving party does not
bear the burden of proof: the moving party may either affirmatively negate an essential
element of the nonmoving party’s claim or establish an affirmative defense. Id. (citing Byrd,
847 S.W.2d at 215 n.5). However, when the party bearing the burden at trial is the moving
party, the moving party may shift the burden “by alleging undisputed facts that show the
existence of [an] element [of his or her claim] that entitle the plaintiff to summary judgment
as a matter of law.” Id. at 9 n.6. If this initial burden of production is not satisfied, the
motion for summary judgment should be dismissed. Id. (citing Byrd, 847 S.W.2d at 215).
However, if the moving party meets its initial burden, the burden of production then shifts
to the nonmoving party to show that a genuine issue of material fact exists. Id. (citing Byrd,
847 S.W.2d at 215).

       On appeal, Ms. Robilio contends that she did not receive requisite notice of the
foreclosure sale. Therefore, she argues, the foreclosure sale was unauthorized, it failed to

                                             -6-
convey Property ownership to SHVF, and SHVF cannot maintain an unlawful detainer
action.

        Unlawful detainer5 is found “where the defendant enters by contract, either as tenant
or as assignee of a tenant, or as personal representative of a tenant, or as subtenant, or by
collusion with a tenant and, in either case, willfully and without force, holds over the
possession from the landlord, or the assignee of the remainder or reversion.” Tenn. Code
Ann. § 29-18-104. A landlord/tenant relationship, established by contract is required in
order to maintain an unlawful detainer action. Fed. Nat’l Mortgage Ass’n, 2008 WL
2502114, at *4. “If the trust deed establishes a landlord/tenant relationship between the
mortgagor and foreclosure sale purchaser, then a constructive entry on the part of the
purchaser attaches upon the passing of title; this constructive entry provides the basis for
maintaining the unlawful detainer action.” Id. (citing Metro. Life Ins. Co. v. Moore, 72
S.W.2d 1050, 1051 (Tenn. 1934); Griffith v. Brackman, 37 S.W. 273, 274 (Tenn. 1896)). In
this case, SHVF was required to prove both its constructive possession of the Property and
its loss of possession by Ms. Robilio’s act of unlawful detainer. Id. (citing Accord Foster
v. Hill, 510 S.W.2d 520, 522 (Tenn. Ct. App. 1973)).

        We first address Ms. Robilio’s argument that SHVF did not constructively possess the
Property because Netbank failed to provide her with the requisite notice. “In the unique
situation of foreclosures conducted under a power of sale, the requisite landlord/tenant
relationship may not arise when the trustee has exercised the power of sale in violation of the
deed of trust.” Id. at *5 (citing CitiFinancial Mortgage Co., Inc. v. Beasley, No. W2006-
00386-COA-R3-CV, 2007 WL 77289, at *6 (Tenn. Ct. App. Jan. 11, 2007)). The Deed of
Trust between Netbank and Ms. Robilio contractually sets forth the manner and content of
the notice required to be given by Netbank prior to acceleration or foreclosure:

                22. Acceleration; Remedies. Lender shall give notice to Borrower prior
        to acceleration following Borrower’s breach of any covenant or agreement to
        this Security Instrument (but not prior to acceleration under Section 18 unless
        Applicable Law provides otherwise). The notice shall specify: (a) the default;
        (b) the action required to cure the default; (c) a date, not less than 30 days from
        the date the notice is given to Borrower, by which the default must be cured;
        and (d) that failure to cure the default on or before the date specified in the


        5
         “Although FED proceedings are considered one type of action, the Tennessee Code identifies
separate bases for the recovery of real property by summary proceeding: forcible entry and detainer, Tenn.
Code Ann. § 29-18-102 (2000), forcible detainer, Tenn. Code Ann. § 29-18-103 (2000), and unlawful
detainer, Tenn. Code Ann. § 29-18-104 (2000).” Fed. Nat’l Mortgage Ass’n, 2008 WL 2502114, at *4 n3.


                                                   -7-
      notice may result in acceleration of the sums secured by this Security
      Instrument and sale of the Property. The notice shall further inform Borrower
      of the right to reinstate after acceleration and the right to bring a court action
      to assert the non-existence of a default or any other defense of Borrower to
      acceleration and sale. If the default is not cured on or before the date specified
      in the notice, Lender at its option may require immediate payment in full of all
      sums secured by this Security Instrument without further demand and may
      invoke the power of sale and any other remedies permitted by Applicable Law.
      Lender shall be entitled to collect all expenses incurred in pursuing the
      remedies provided in this Section 22, including, but not limited to, reasonable
      attorneys’ fees and costs of title evidence.

              If Lender invokes the power of sale, Trustee shall give notice of sale by
      public advertisement in the county in which the Property is located for the time
      and in the manner provided by Applicable Law, and Lender or Trustee shall
      mail a copy of the notice of sale to Borrower in the manner provided in Section
      15. Trustee, without demand on Borrower, shall sell the Property at public
      auction to the highest bidder at the time and under the terms designated in the
      notice of sale. Lender or its designee may purchase the Property at any sale.

             Trustee shall deliver to the purchaser Trustee’s deed conveying the
      Property without any covenant or warranty, express or implied. . . . If the
      Property is sold pursuant to this Section 22, Borrower, or any person holding
      possession of the Property through Borrower, shall immediately surrender
      possession of the Property to the Purchaser at the sale. If the possession is not
      surrendered, Borrower or such person shall be a tenant at will of the purchaser
      and hereby agrees to pay the purchaser the reasonable rental value of the
      Property after sale.

Regarding the appropriate means of effecting notice, the Deed of Trust provides in part:

             15. Notices. All notices given by Borrower or Lender in connection
      with this Security Instrument must be in writing. Any notice to Borrower in
      connection with this Security Instrument shall be deemed to have been given
      to Borrower when mailed by first class mail or when actually delivered to
      Borrower’s notice address if sent by other means. Notice to any one Borrower
      shall constitute notice to all Borrowers unless Applicable Law expressly
      requires otherwise. The notice address shall be the Property Address unless
      Borrower has designated a substitute notice address by notice to Lender. . . .
      If any notice required by this Security Instrument is also required under

                                             -8-
        Applicable Law, the Applicable Law requirement will satisfy the
        corresponding requirement under this Security Instrument.

        According to the Deed of Trust’s terms, the lender may invoke the power of sale only
after the expiration of the thirty (30) day curative period, which commences only after proper
notice of default has been given. Only when the sale occurs “pursuant to . . . Section 22” and
the Borrower refuses to surrender possession does a landlord/tenant relationship arise.

        Typically, a trustee must strictly comply with the advertisement and notice terms set
forth in a deed of trust. CitiFinancial Mortgage Co., Inc., 2007 WL 77289, at *8 (citing
Henderson v. Galloway, 27 Tenn. 692, 695-96 (Tenn. 1848)). The consequence for failure
to comply with foreclosure terms is dependent upon the requirement’s source. Id. Clear
terms laid out in a deed of trust must be strictly complied with in order for the conveyance
to be valid. Id. (citing Progressive Bldg. & Loan Ass’n v. McIntyre, 89 S.W.2d 336, 336
(Tenn. 1936)). However, a foreclosing trustee proceeding according to statutory
requirements must not meet such an exacting standard. Id. (citing Tenn. Code Ann. §§ 35-5-
101 - 35-5-116 (2001 & Supp. 2006)). A trustee’s failure to comply with statutory
requirements does not render the foreclosure sale void or even voidable. Id. (citing Tenn.
Code Ann. § 35-5-106; Doty v. Fed. Land Bank of Louisville, 89 S.W.2d 337 (Tenn. 1936);
Williams v. Williams, 156 S.W.2d 363, 369 (Tenn. Ct. App. 1941)). “[W]here a deed of trust
provision varies from the statutory requirements, that term will generally supersede the
statutory requirement.” Id. (citing Tenn. Code Ann. § 35-5-101(d); McIntyre, 89 S.W.2d at
336; Potts v. Coffman, 240 S.W.783, 784 (Tenn. 1922)).

      At the time that the notice of the foreclosure sale of the Property was published,
Tennessee Code Annotated section 35-5-101 6 provided in relevant part:

        (a) 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 such sale shall be made at least three (3) different
        times in some newspaper published in the county where the sale is to be made.

        (b) The first publication shall be least twenty (20) days previous to the sale.

The applicable required contents of the advertisement or notice are as follows:




        6
         Effective January 1, 2007, the party selling the property is required to send a copy of the notice to
the debtor and co-debtor. Tenn. Code Ann. 35-5-104(e) (Supp. 2006).

                                                     -9-
       (1) Give the names of the plaintiff and defendant, or parties interested;
       (2) Describe the land in brief terms, including the street address if available;
       (3) Mention the time and place of sale;


Tenn. Code Ann. § 35-5-104 (2001).


        In this case, SHVF has demonstrated that both the statutory notice requirements and
the notice requirements set forth in the Deed of Trust were met. Pursuant to the Deed of
Trust, on February 3, 2005, Netbank sent Ms. Robilio a letter via first class mail stating: 1)
that she had breached the Deed of Trust’s terms; 2) the amount owed to cure the breach; 3)
a cure date more than thirty days from the date of the letter; 4) that her that failure to cure
would result in acceleration and possibly foreclosure; 5) that she had a right to reinstate the
loan after acceleration; and 6) that she had a right to pursue court action. After Ms. Robilio
allegedly failed to cure her defaults by the date specified in the notice letter, Netbank
exercised its option to accelerate the indebtedness and to invoke the power of sale. After two
bankruptcy filing delays, Netbank gave notice of sale by public advertisement as set forth
both statutorily and in the Deed of Trust. As we stated above, the notice of sale, scheduling
the sale for March 3, appeared in The Daily News on February 10, 17 and 24, 2006. The
notice provided among other things: 1) the parties’ names; 2) a description of the Property;
3) the Property’s address; 4) the date and time of the sale–more than twenty days from the
first publication; 5) the place of the sale; and 6) the manner of sale. Furthermore, it specified
that “[a]ll announcements at the sale on the date of the sale will take priority over this
notice.” A copy of the notice of sale was mailed to Ms. Robilio via certified mail, and she
signed for it as delivered on February 23, 2006. Moreover, by consent order, the parties
allowed Netbank to “continu[e] the foreclosure sale from time to time by announcement at
the foreclosure sale.”


       Although Ms. Robilio, again, filed for bankruptcy on February 28, Netbank was
authorized to proceed with the foreclosure sale with the stipulation that a deed could not be
recorded unless confirmation of Ms. Robilio’s Chapter 13 Plan was denied, or unless her case
was dismissed after confirmation. On May 26, Ms. Robilio’s bankruptcy plan was
confirmed, and on August 26, an agreed order was entered stating that if Netbank failed to
received its monthly payment beginning in September, that the automatic stay would be
terminated as to Netbank “without further notice, hearing, order or ten (10) day stay[.]”
(emphasis added). When Netbank failed to receive its mortgage disbursement in September,
it scheduled the foreclosure sale for October 30, 2006, and an e-mail was sent to Ms.
Robilio’s attorney, notifying him of the scheduled sale, specifically advising him that it was


                                              -10-
“anticipate[d] that the lender [would] proceed with the sale at that time due to debtor’s
payment defaults.” 7 On October 25, 2006, the bankruptcy court dismissed Ms. Robilio’s
Chapter 13 case. After periodic continuances announced at the time, date and place of the
scheduled sales, a foreclosure sale was conducted on October 30, 2006.8 A Successor’s
Trustee Deed was recorded on November 6, 2006, transferring ownership of the Property to
FNMA.


       On appeal, Ms. Robilio acknowledges that she received notice of the scheduled March
3, 2006 foreclosure sale. However, she seems to argue that pursuant to the August 25, 2006
agreed order, that she was entitled to further notice. Although the agreed order provides for
additional notice if Netbank failed to receive a payment on its arrearage claim, it does not
provide for such additional notice regarding a failed payment towards its ongoing mortgage
claim. Again, the order states
        If Netbank fails to receive its July and August ongoing mortgage payments
        from the Trustee in the Trustee’s August disbursement or if Netbank fails to
        receive a monthly ongoing mortgage payment from the Trustee in any month
        beginning September 2006, then the automatic stay shall be terminated as to
        Netbank, the subject Property and the proceeds thereof without further notice,
        hearing order or ten (10) day stay notwithstanding any future modification of
        the Plan in which the Debtor shall voluntarily surrender the subject Property
        to Netbank.


Based on the plain language of this order, Netbank was not required to provide further notice
following a failed ongoing mortgage payment. Because Ms. Robilio received the notice
required under both the Deed of Trust and under the applicable statutes, we find the
foreclosure sale was effective to transfer title to FNMA and ultimately to SHVF.9


        7
       Ms. Robilio claims that the attorney to which the e-mail was sent was no longer her attorney.
However, because this notice was merely provided as a courtesy, we need not consider her claim.
        8
         Ms. Robilio claims that it is unclear whether the foreclosure sale was conducted on October 27,
2006 or October 30, 2006 because the Successor Trustee’s Deed lists the foreclosure sale date as October
27. A misstated date does not constitute an error requiring deed correction. Tenn. Code Ann. § 66-5-107.
Moreover, Ms. Robilio does not argue, nor is there any proof, that an October 27 sale date affected her right
to receive notice.
        9
         Ms. Robilio also argues that the foreclosure sale was invalid because she was not provided with a
payoff statement. Neither the Deed of Trust nor the statute requires a payoff statement. The Deed of Trust
required only that the notice state the amount necessary to cure the default, which was included in the
                                                                                             (continued...)

                                                    -11-
Accordingly, a landlord/tenant relationship arose between SHVF and Ms. Robilio, giving
SHVF constructive possession of the Property, such that it could maintain an unlawful
detainer action. Furthermore, SHVF lost possession of the Property through Ms. Robilio’s
act of unlawful detainer, satisfying the second element of SHVF’s claim. See Fed. Nat’l
Mortgage Ass’n, 2008 WL 2502114, at *4 (citing Accord Foster, 510 S.W.2d at 522).
Because SHVF has alleged undisputed facts that show the existence of the elements of its
claim, and Ms. Robilio has failed to show the existence of a genuine issue of material fact,
we affirm the trial court’s grant of summary judgment in its favor.10 See Hannan, 270
S.W.3d at 9 n6.


                                             B. Due Process


       In her statement of issues, Ms. Robilio questions whether the trial court violated her
due process rights “[b]ecause of no Notice of sale, no Statement of Payoff, no Time Frame
to Cure Default As required in the Deed of Trust.” However, she fails to provide any
argument whatsoever regarding this issue. Among other reasons, we dismiss this issue as
waived.
        Parties who decide to represent themselves are entitled to fair and equal
        treatment by the courts. Whitaker v. Whirlpool Corp., 32 S.W.3d 222, 227
        (Tenn. Ct. App. 2000); Paehler v. Union Planters Nat'l Bank, Inc., 971 S.W.2d
        393, 396 (Tenn. Ct. App. 1997). The courts should take into account that
        many pro se litigants have no legal training and little familiarity with the
        judicial system. Irvin v. City of Clarksville, 767 S.W.2d 649, 652 (Tenn. Ct.
        App. 1988). However, the courts must also be mindful of the boundary
        between fairness to a pro se litigant and unfairness to the pro se litigant’s
        adversary. Thus, the courts must not excuse pro se litigants from complying
        with the same substantive and procedural rules that represented parties are
        expected to observe. Edmundson v. Pratt, 945 S.W.2d 754, 755 (Tenn. Ct.
        App. 1996); Kaylor v. Bradley, 912 S.W.2d 728, 733 n. 4 (Tenn. Ct. App.


        9
        (...continued)
February 3, 2005 letter to Ms. Robilio.
        10
           Ms. Robilio also challenges the foreclosure sale’s validity, claiming that the bankruptcy court did
not have jurisdiction because Netbank instituted foreclosure proceedings before she filed for bankruptcy, and
because her bankruptcy case was dismissed prior to the foreclosure sale. Ms. Robilio’s argument is without
merit. Despite its stay as to other creditors, the bankruptcy court specifically authorized the foreclosure sale.
Moreover, once Ms. Robilio’s bankruptcy case was dismissed, the automatic stay was revoked, allowing her
creditors to pursue her outstanding debts.

                                                      -12-
       1995).


Hessmer v. Hessmer, 138 S.W.3d 901, 903 (Tenn. Ct. App. 2003).

       Taking into account that Ms. Robilio is a pro se litigant, we find that she has failed
to present a sufficient argument concerning this issue. Tennessee Rule of Civil Procedure
27(a) provides that an appellant's brief
       shall contain ... [a]n argument, which may be preceded by a summary of
       argument, setting forth the contention of the appellant with respect to the
       issues presented, and the reasons therefor, including the reasons why the
       contentions require appellate relief, with citations to the authorities and
       appropriate references to the record ... relied on[.]


“The failure of a party to cite to any authority or to construct an argument regarding his
position on appeal constitutes waiver of that issue.” Boggs Kurlander Steele, LLC v. Horizon
Commc'ns, No. M2006-00018-COA-R3-CV, 2008 WL 490628, at *4 (Tenn. Ct. App. Feb.
21, 2008) (citing Newcomb v. Kohler Co., 222 S.W.3d 368, 402 (Tenn. Ct. App. 2006); see
also Rector v. Halliburton, No. M1999-02802-COA-R3-CV, 2003 WL 535924, at *9 (Tenn.
Ct. App. Feb. 26, 2003) (per curiam); Rhea County v. Town of Graysville, No. E2001-02313-
COA-R3-CV, 2002 WL 1723681, at *7 (Tenn. Ct. App. July 25, 2002)).

       On appeal, Ms. Robilio addresses this issue only by listing it in the section entitled
“issues presented for review.” This inclusion within a list of issues does not provide the
“argument” and “citation to the authorities” required by Tennessee Rule of Appellate
Procedure 27(a). Thus, we find, under Tennessee Rule of Appellate Procedure 27(a), that Ms.
Robilio has waived her right to have this issue considered by this Court.


                                     C. Counterclaim


       Finally, Ms. Robilio questions whether the trial court addressed her “evidence/counter
complaint.” We assume Ms. Robilio refers to her request in her “Objection to Plaintiff’s
Motion for Summary Judgment” to recover actual and punitive damages as a “person
damaged by a lender’s actions” and for the alleged failures of Netbank and SHVF to comply
with the foreclosure statutes’ notice requirements. In her brief before this Court, Ms. Robilio
seeks $944,000.00 in damages, representing lost salary, medical bills, lost property, and
punitive damages.



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        Although the trial court did not expressly address Ms. Robilio’s “prayer for relief,”
we find that in granting SHVF’s motion for summary judgment, in which it found the notice
requirements complied with, that it impliedly denied Ms. Robilio claim for damages. This
issue is without merit.




                                    IV.   C ONCLUSION


       For the aforementioned reasons, we affirm the decision of the circuit court. Costs of
this appeal are taxed to Appellant, Glenna Robilio, for which execution may issue if
necessary.




                                                   _________________________________
                                                   ALAN E. HIGHERS, P.J., W.S.




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