PUBLIC NOTICE SUBSTITUTE TRUSTEES NOTICE
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9/2/2026
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PUBLIC NOTICE
SUBSTITUTE TRUSTEE’S NOTICE OF SALE
WHEREAS, on June 6, 2011, Michael Gene Gay, Married & Mary Elizabeth Gay, Married executed a deed of trust for the benefit of WALTER MORTGAGE COMPANY, LLC, which deed of trust was recorded on July 25, 2011, as Instrument No. 201106811, in Book 1565, Page 582, in the office of the Chancery Clerk of Pearl River County, Mississippi; Said Deed of Trust was last sold, assigned and transferred to U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST by assignment recorded in Book 2024, Page 2673 as Instrument No. 2024002673 in the office of the Chancery Clerk of Pearl River 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 May 29, 2026 and spread at large upon the records in the office of the aforesaid Chancery Clerk in Book 2026, Page 4832 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, U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST, 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 September 23, 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/porch of the Pearl River County Courthouse in Poplarville, Mississippi, the following described land, property and improvements lying and being situate in Pearl River County, Mississippi, to-wit:
DESCRIPTION NO. 1
COMMENCING AT A NAIL AT THE NW CORNER OF THE NW 1/4 OF SECTION 12, T-2-S, R-14-W, PEARL RIVER COUNTY, MISSISSIPPI AND RUN S89°01’ 41”E 271.29 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE FOR THE POINT OF BEGINNING. THENCE CONTINUE S89°01’ 41”E 186.08 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE; THENCE RUN SOUTH 210.73 FEET TO AN IRON PIN: THENCE RUN N10°03’ 52”E 217.23 FEET, BACK TO THE POINT OF BEGINNING, SAID PARCEL CONTAINS 1.00 ACRES, MORE OR LESS, AND BEING LOCATED IN THE NW 1/4 OF THE NW 1/4 OF SECTION 12, T-2-S, R-14-W, PEARL RIVER COUNTY, MISSISSIPPI.
EASEMENT:
COMMENCING AT A NAIL AT THE NW CORNER OF THE NW 1/4 OF SECTION 12, T-2-S, R-14-W, PEARL RIVER COUNTY, MISSISSIPPI AND RUN S89°01’41”E 457.37 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE FOR THE POINT OF BEGINNING. THENCE CONTINUE S89°01’ 41”E 186.08 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE; THENCE RUN SOUTH 210.73 FEET TO AN IRON PIN: THENCE RUN N10°03’ 52”E 217.23 FEET, BACK TO THE POINT OF BEGINNING, SAID PARCEL CONTAINS 1.00 ACRES, MORE OR LESS, AND BEING LOCATED IN THE NW 1/4 OF THE NW 1/4 OF SECTION 12, T-2-S-R-14-W, PEARL RIVER COUNTY, MISSISSIPPI.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, all outstanding liens for public utilities which constitute liens upon the property, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, easements, rights-of-way, zoning ordinances, restrictions, special assessments, covenants, and any matters of record including, but not limited to, those superior to said Deed of Trust first set out above. Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named or the undersigned. The successful bidder must present certified funds in the amount of the winning bid at the time of sale, as well as timely comply with FinCEN data submission and certification requirements, if applicable.
ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (Rule), found at 89 FR 70258, went into effect.* The Rule applies to certain residential real estate sale transactions, including nonjudicial foreclosures, where the transfer is to a legal entity or trust, and the source of funds is non-financed (which includes cash, certified funds, private financing, or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicious Activity Report requirement.) As part of this Rule, purchasers are required to provide additional information and documentation about themselves, their legal entities, and the source of funds used in the reportable transaction, if applicable. The collection of this information and documentation by the Substitute Trustee is required to comply with the Rule’s reporting requirements, if applicable. To submit and certify the required information, review informative resources/guides, or to certify an exemption please visit https://fincen.foreclosurehotline.net/. If you have questions about the Rule or its applicability to you, please seek the advice of your own independent legal counsel, as the Substitute Trustee cannot give you legal advice.
*The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust, and (3) to confirmation that the successful bidder has timely provided to the Substitute Trustee all information required by the Rule, 89 FR 70258, if applicable. The Substitute Trustee, on behalf of the holder of the Deed of Trust, reserves the right to rescind the foreclosure sale at its own discretion.
I WILL CONVEY only such title as is vested in the Substitute Trustee.
WITNESS MY SIGNATURE, this the 28th day of August, 2026
McCalla Raymer Leibert Pierce, LLP
Substitute Trustee
251 Trace Colony Park Drive Suite A, Ridgeland, MS 39157
(662) 388-5464
Foreclosurehotline.net
File No.: 26-05949MS
26-05949MS
Picayune Item:
Sept. 2, 9 and 16, 2026
26-05949MS/111548
SUBSTITUTE TRUSTEE’S NOTICE OF SALE
WHEREAS, on June 6, 2011, Michael Gene Gay, Married & Mary Elizabeth Gay, Married executed a deed of trust for the benefit of WALTER MORTGAGE COMPANY, LLC, which deed of trust was recorded on July 25, 2011, as Instrument No. 201106811, in Book 1565, Page 582, in the office of the Chancery Clerk of Pearl River County, Mississippi; Said Deed of Trust was last sold, assigned and transferred to U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST by assignment recorded in Book 2024, Page 2673 as Instrument No. 2024002673 in the office of the Chancery Clerk of Pearl River 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 May 29, 2026 and spread at large upon the records in the office of the aforesaid Chancery Clerk in Book 2026, Page 4832 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, U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST, 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 September 23, 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/porch of the Pearl River County Courthouse in Poplarville, Mississippi, the following described land, property and improvements lying and being situate in Pearl River County, Mississippi, to-wit:
DESCRIPTION NO. 1
COMMENCING AT A NAIL AT THE NW CORNER OF THE NW 1/4 OF SECTION 12, T-2-S, R-14-W, PEARL RIVER COUNTY, MISSISSIPPI AND RUN S89°01’ 41”E 271.29 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE FOR THE POINT OF BEGINNING. THENCE CONTINUE S89°01’ 41”E 186.08 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE; THENCE RUN SOUTH 210.73 FEET TO AN IRON PIN: THENCE RUN N10°03’ 52”E 217.23 FEET, BACK TO THE POINT OF BEGINNING, SAID PARCEL CONTAINS 1.00 ACRES, MORE OR LESS, AND BEING LOCATED IN THE NW 1/4 OF THE NW 1/4 OF SECTION 12, T-2-S, R-14-W, PEARL RIVER COUNTY, MISSISSIPPI.
EASEMENT:
COMMENCING AT A NAIL AT THE NW CORNER OF THE NW 1/4 OF SECTION 12, T-2-S, R-14-W, PEARL RIVER COUNTY, MISSISSIPPI AND RUN S89°01’41”E 457.37 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE FOR THE POINT OF BEGINNING. THENCE CONTINUE S89°01’ 41”E 186.08 FEET ALONG THE SECTION LINE TO A RAILROAD SPIKE; THENCE RUN SOUTH 210.73 FEET TO AN IRON PIN: THENCE RUN N10°03’ 52”E 217.23 FEET, BACK TO THE POINT OF BEGINNING, SAID PARCEL CONTAINS 1.00 ACRES, MORE OR LESS, AND BEING LOCATED IN THE NW 1/4 OF THE NW 1/4 OF SECTION 12, T-2-S-R-14-W, PEARL RIVER COUNTY, MISSISSIPPI.
Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, all outstanding liens for public utilities which constitute liens upon the property, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, easements, rights-of-way, zoning ordinances, restrictions, special assessments, covenants, and any matters of record including, but not limited to, those superior to said Deed of Trust first set out above. Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named or the undersigned. The successful bidder must present certified funds in the amount of the winning bid at the time of sale, as well as timely comply with FinCEN data submission and certification requirements, if applicable.
ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (Rule), found at 89 FR 70258, went into effect.* The Rule applies to certain residential real estate sale transactions, including nonjudicial foreclosures, where the transfer is to a legal entity or trust, and the source of funds is non-financed (which includes cash, certified funds, private financing, or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicious Activity Report requirement.) As part of this Rule, purchasers are required to provide additional information and documentation about themselves, their legal entities, and the source of funds used in the reportable transaction, if applicable. The collection of this information and documentation by the Substitute Trustee is required to comply with the Rule’s reporting requirements, if applicable. To submit and certify the required information, review informative resources/guides, or to certify an exemption please visit https://fincen.foreclosurehotline.net/. If you have questions about the Rule or its applicability to you, please seek the advice of your own independent legal counsel, as the Substitute Trustee cannot give you legal advice.
*The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any.
The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust, and (3) to confirmation that the successful bidder has timely provided to the Substitute Trustee all information required by the Rule, 89 FR 70258, if applicable. The Substitute Trustee, on behalf of the holder of the Deed of Trust, reserves the right to rescind the foreclosure sale at its own discretion.
I WILL CONVEY only such title as is vested in the Substitute Trustee.
WITNESS MY SIGNATURE, this the 28th day of August, 2026
McCalla Raymer Leibert Pierce, LLP
Substitute Trustee
251 Trace Colony Park Drive Suite A, Ridgeland, MS 39157
(662) 388-5464
Foreclosurehotline.net
File No.: 26-05949MS
26-05949MS
Picayune Item:
Sept. 2, 9 and 16, 2026
26-05949MS/111548