SUBSTITUTE TRUSTEE'S NOTICE OF SALE WHEREAS, on September 25, 2024, Susan Ann Montelius executed a deed of trust for the benefit of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for MORTGAGE SOLUTIONS OF COLORADO, LLC., its successors and assigns, which deed of trust was recorded on September 26, 2024, as Instrument No. 2024-0019081-T-J1, in the office of the Chancery Clerk of the First Judicial District of Harrison County, Mississippi; Said Deed of Trust was last sold, assigned and transferred to MORTGAGE SOLUTIONS OF COLORADO, LLC D/B/A MORTGAGE SOLUTIONS FINANCIAL by assignment recorded in the office of the Chancery Clerk as Instrument No. 2025-0026198-T-J1 of Harrison County, Mississippi. WHEREAS, the holder of the deed of trust at the time of the substitution substituted McCalla Raymer Leibert Pierce, LLP as Trustee, as authorized by the terms thereof, by instrument recorded December 9, 2025 and spread at large upon the records in the office of the aforesaid Chancery Clerk as Instrument No. 2025-0026199-D-J1 prior to the posting and publication of this notice; and WHEREAS, default having been made in the terms and conditions of the deed of trust, and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of the deed of trust, and the legal holder of said indebtedness, MORTGAGE SOLUTIONS OF COLORADO, LLC D/B/A MORTGAGE SOLUTIONS FINANCIAL, has requested the undersigned Substitute Trustee to execute the trust and sell said land, property and improvements in accordance with the terms of the deed of trust for the purpose of raising the sums due thereunder, together with attorney's fees, Substitute Trustee's fees and expenses of sale; THEREFORE, on January 28, 2026, the undersigned Substitute Trustee in the deed of trust, will offer for sale at public outcry and sell to the highest bidder for cash, within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.) at the East front door of the Harrison County Courthouse (1st Judicial District) in Gulfport, Mississippi, the following described land, property and improvements lying and being situate in Harrison County, Mississippi, to-wit: Lot 4, PLANTATION OAKS SUBDIVISION, PHASE 2, a subdivision according to the official map or plat thereof on file and of record in the Office of the Chancery Clerk of the First Judicial District of Harrison County, Mississippi, in Plat Book 63 at Page 9 thereof. I WILL CONVEY only such title as is vested in the Substitute Trustee. WITNESS MY SIGNATURE, this the 22nd day of December, 2025 McCalla Raymer Leibert Pierce, LLP Substitute Trustee 1022 Highland Colony Parkway, Suite 304 Ridgeland, MS 39157-2049 (662) 388-5464 Foreclosurehotline.net File No.: 25-04207MS PUBLISH: 01/07/2026,01/14/2026,01/21/2026 25-04207MS IPL0301605 Jan 7,14,21 2026