NOTICE OF SUBSTITUTE TRUSTEE'S SALE STATE OF MISSISSIPPI COUNTY OF 2ND DISTRICT HARRISON WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated February 5, 2009, executed by JERRY R. ADKINS AKA DR. JERRY R. ADKINS and PATRICIA G. ADKINS conveying certain real property therein described to THOMAS R HUDSON, as Trustee, for MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS BENEFICIARY, AS NOMINEE FOR BANKPLUS, Original Beneficiary, to secure the indebtedness therein described, as same appears of record in the Office of the Chancery Clerk of 2nd District Harrison County, Mississippi filed and recorded February 13, 2009, at Instrument Number 2009 577 T-J2; and WHEREAS, the beneficial interest of said Deed of Trust was transferred and assigned to Federal Home Loan Mortgage Corporation as Trustee for Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2019-1; and WHEREAS, Rubin Lublin, LLC has been appointed as Substitute Trustee; and NOW, THEREFORE, the holder of said Deed of Trust, having requested the undersigned so to do, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee shall, on November 12, 2025 within the lawful hours of sale between 11:00AM and 4:00PM at the front steps of the south side of the Courthouse proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in 2nd District Harrison County, Mississippi, to wit: LOTS 8 AND 9, BLOCK 3, LAKE VILLA SUBDIVISION, A SUBDIVISION ACCORDING TO THE OFFICIAL MAP OR PLAT THEREOF ON FILE AND OF RECORD IN THE OFFICE OF THE CHANCERY CLERK OF HARRISON COUNTY, SECOND JUDICIAL DISTRICT , MISSISSIPPI IN PLAT BOOK 26 AT PAGE 12. AND ALSO A PARCEL OF LAND LOCATED IN THE WEST 1/2 OF LOT 140, LA BONNE TERRE SUBDIVISION - PHASE IV, MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 140, LA BONNE TERRE SUBDIVISION - PHASE IV, THENCE RUN NORTH 00 DEGREES 06'44" WEST A DISTANCE OF 179.17 FEET TO THE POINT OF BEGINNING; THENCE CONTINUE NORTH 00 DEGREES 06'44" WEST A DISTANCE OF 98.05 FEET TO A POINT; THENCE RUN SOUTH 05 DEGREES 08'21" EAST A DISTANCE OF 17.76 FEET; THENCE RUN SOUTH 08 DEGREES 05'55" EAST A DISTANCE OF 21.69 FEET TO A POINT; THENCE RUN SOUTH 19 DEGREES 06'05" EAST A DISTANCE OF 23.90 FEET TO A POINT; THENCE RUN SOUTH 03 DEGREES 41'35" WEST A DISTANCE OF 36.33 FEET TO A POINT; THENCE RUN SOUTH 89 DEGREES 45'56" WEST A DISTANCE OF 9.94 FEET TO THE POINT OF BEGINNING, CONTAINING 667 SQUARE FEET. PROPERTY ADDRESS: The street address of the property is believed to be 2533 MERCEDES DRIVE, BILOXI, MS 39531. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. Title to the above described property is believed to be good, but I will convey only such title as is vested in me as Substitute Trustee. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100 Peachtree Corners, GA 30071 rlselaw.com/property-listing Tel: (877) 813-0992 Fax: (470) 508-9401 PUBLISH: 10/08/2025, 10/22/2025, 10/29/2025, 11/05/2025 IPL0277558 Oct 8,22,29,Nov 5 2025