PUBLIC NOTICE SUBSTITUTE TRUSTEES NOTICE
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10/14/2026
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PUBLIC NOTICE
SUBSTITUTE TRUSTEE’S NOTICE OF FORECLOSURE SALE
WHEREAS, on April 21, 2020, Patrick Gary executed a certain Deed of Trust to Elevated Title, Trustee for the use and benefit of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Low VA Rates, LLC, its successors and assigns which Deed of Trust is of record in the office of the Chancery Clerk of Lafayette County, Mississippi, on April 28, 2020,, as Document Number 2020-03505.
WHEREAS, Planet Home Lending, LLC, the current holder and/or assignee, substituted Halliday, Watkins & Mann, P.C. as Trustee by instrument recorded in the Chancery Clerk’s Office on September 17, 2026, as Document Number 2026 - 08791; and
WHEREAS, Default having been made in the terms and conditions of said deed of trust and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of said deed of trust, Planet Home Lending, LLC, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on November 9, 2026 offer for sale at public outcry and sell within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.), at the west front door of the Lafayette County chancery Building, to the highest and best bidder for cash the following described property situated in Lafayette County, Mississippi, to wit:
Lot No. 53 Cross Creek Subdivision, Phase 3, as said lot is set out and shown on the official map or plat of said phase of said subdivision being on file and of record in Plat Cabinet B, in Slide 135, in the Office of the Chancery Clerk of Lafayette County, Mississippi, reference to all of which is hereby made in aid of and as a part of this description.
More commonly known as: 205 Noah Loop, Oxford, MS 38655
I will convey only such title as vested in me as Substituted Trustee.
Important Notice to Potential Bidders: Federal law administered by the Financial Crimes Enforcement Network (“FinCEN”), a bureau of the U.S. Department of the Treasury, requires certain residential real estate transactions to be reported to the federal government. If you are the winning bidder at auction, you may be required to provide identifying information about yourself and, if applicable, any entity or trust purchasing the property. This information is required by federal law and must be provided to complete the sale. Failure to provide required information after the sale may delay or prevent issuance of the foreclosure deed.
Halliday, Watkins, & Mann, P.C.
Substitute Trustee
Halliday, Watkins & Mann, P.C.
1107 Highland Colony Pkwy, Suite 207
Ridgeland, MS 39157
(801) 355-2886
Oxford Eagle:
Oct. 15 - Nov. 5, 2026
MS23072
SUBSTITUTE TRUSTEE’S NOTICE OF FORECLOSURE SALE
WHEREAS, on April 21, 2020, Patrick Gary executed a certain Deed of Trust to Elevated Title, Trustee for the use and benefit of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Low VA Rates, LLC, its successors and assigns which Deed of Trust is of record in the office of the Chancery Clerk of Lafayette County, Mississippi, on April 28, 2020,, as Document Number 2020-03505.
WHEREAS, Planet Home Lending, LLC, the current holder and/or assignee, substituted Halliday, Watkins & Mann, P.C. as Trustee by instrument recorded in the Chancery Clerk’s Office on September 17, 2026, as Document Number 2026 - 08791; and
WHEREAS, Default having been made in the terms and conditions of said deed of trust and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of said deed of trust, Planet Home Lending, LLC, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on November 9, 2026 offer for sale at public outcry and sell within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.), at the west front door of the Lafayette County chancery Building, to the highest and best bidder for cash the following described property situated in Lafayette County, Mississippi, to wit:
Lot No. 53 Cross Creek Subdivision, Phase 3, as said lot is set out and shown on the official map or plat of said phase of said subdivision being on file and of record in Plat Cabinet B, in Slide 135, in the Office of the Chancery Clerk of Lafayette County, Mississippi, reference to all of which is hereby made in aid of and as a part of this description.
More commonly known as: 205 Noah Loop, Oxford, MS 38655
I will convey only such title as vested in me as Substituted Trustee.
Important Notice to Potential Bidders: Federal law administered by the Financial Crimes Enforcement Network (“FinCEN”), a bureau of the U.S. Department of the Treasury, requires certain residential real estate transactions to be reported to the federal government. If you are the winning bidder at auction, you may be required to provide identifying information about yourself and, if applicable, any entity or trust purchasing the property. This information is required by federal law and must be provided to complete the sale. Failure to provide required information after the sale may delay or prevent issuance of the foreclosure deed.
Halliday, Watkins, & Mann, P.C.
Substitute Trustee
Halliday, Watkins & Mann, P.C.
1107 Highland Colony Pkwy, Suite 207
Ridgeland, MS 39157
(801) 355-2886
Oxford Eagle:
Oct. 15 - Nov. 5, 2026
MS23072