2545 Mosswood Dr

CREEKSIDE ADDN (LISD) BLK 3 LOT 17

C&M No. 44-25-02399/ FILE NOS O q | O 5" S| NOTICE OF TRUSTEE'S SALE AND APPOINTMENT OF SUBSTITUTE TRUSTEE Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is serving on active military duty. including actiye military duty as a member of the Texas National Guard or the National Guard of another state or as a member of a reserve component of the armed forces of the United States, please send written notice of the active duty military service to the sender of this notice immediately. Sender is: Codilis & Moody, P.C., 20405 State Highway 249, Suite 170, Houston, TX 77070 INSTRUMENT BEING FORECLOSED AND MORTGAGE SERVICER INFORMATION Deed of Trust dated May 14, 2021 and recorded under Clerk's File No. 89857, in the real property records of Denton County Texas, with Brooke Bengard, a single woman and Cheryl Ball, a single woman as Grantor(s) and Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Petra Home Lending, a Texas Corporation, its successors and assigns as Original Mortgagee. Deed of Trust executed by Brooke Bengard, a single woman and Cheryl Ball, a single woman securing payment of the indebtedness in the original principal amount of $534,600.00 and obligation therein described including but not limited to the promissory note and all modifications, renewal and extensions of the promissory note (the “Note”) executed by Brooke Bengard, Cheryl Ball. CITIZENS BANK NA f/k/a RBS CITIZENS NA is the current mortgagee (the “Mortgagee”) of the Note and Deed of Trust or Contract Lien. The Mortgage Servicer is authorized to represent the Mortgagee by virtue of a servicing agreement with the Mortgagee. Pursuant to the Servicing Agreement and Texas Property Code 51.0025, the Mortgage Servicer is authorized to collect the debt and to administer any resulting foreclosure of the property securing the above referenced loan. Citizens Bank, N.A. is acting as the Mortgage Servicer for the Mortgagee. Citizens Bank, N.A.., is representing the Mortgagee, whose address is: PO BOX 2800, Glen Allen, VA 23058. Legal Description: BEING LOT 17, IN BLOCK 3, OF CREEKSIDE ADDITION, AN ADDITION TO THE “CITY OF CARROLLTON, DENTON COUNTY, TEXAS, ACCORDING TO THE PLAT THEREOF REGORBED,IN CABINET R, SLIDE 357, OF THE PLAT RECORDS, DENTON COUNTY, TEXAS. a Om nm SALE INFORMATION i eS s a Date of Sale: 09/02/2025 Earliest Time Sale Will Begin: 10:00 AM = = 3 Location of Sale: The place of the sale shall be: Denton County Courthouse, Texas at the’ foliving = location: The courtyard area of the southwest corner of the Denton County Courts Bldg, or if the preceding area is; no longer the designated area, at the area most recently designated by the County Commissioner's C@urt_ - 3 <x a TERMS OF SALE A default has occurred in the payment of said herein referenced indebtedness, and the same is now wholly due, and the Mortgagee and/or Mortgage Servicer has requested the hereinafter appointed Substitute Trustee to sell said property to the highest bidder for cash and to distribute or apply the proceeds of said sale in accordance with the terms of said Deed of Trust. The Sale will be conducted as a public auction to the highest bidder for cash, except that Mortgagee’s bid may be by credit against the indebtedness secured by the lien of the Deed of Trust. Pursuant to the Deed of Tnust, the mortgagee has the right to direct the Trustee to sell the property in one or more parcels and/or to sell all or only part of the property. Pursuant to Section 51.009 of the Texas Property Code, the Property will be sold in “AS IS,” “WHERE IS” condition, without any express or implied warranties, except as to the warranties of title, if any, provided for under the Deed of Trust. ase A Denton  The sale will begin at the earliest time stated above, or within three (3) hours after that time. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the funds paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE(S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED IN THIS NOTICE OF SALE. THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. WHEREAS, in my capacity as attorney for the Mortgagee and/or Its Mortgage Servicer, and pursuant to Section 51.0076 of the Texas Property Code, I HEREBY APPOINT AND DESIGNATE Phillip Pierceall, Douglas Rodgers, Terry Waters, Bruce Miller, Ashlee Luna , Ramiro Cuevas, Joshua Sanders, Matthew Hansen, Tionna Hadnot, Shawn Schiller, Lisa Bruno, Conrad Wallace, Misty McMillan, Angie Uselton, Tonya Washington, Carol Dunmon, Francesca Ortolani, Mary Mancuso, Shelley Ortolani,Michele Hreha, David Stockman, Guy Wiggs, Brenda Wiggs, Donna Stockman, Janet Pinder, Brandy Bacon, Michelle Schwartz, Jamie Dworsky, Angela Cooper, Payton Hreha, Jeff Benton, Thomas Delaney, Danya Gladney, Aaron Demuth, Codilis & Moody, P.C., or Auction.com, as Substitute Trustee. The address for the Substitute Trustee for purposes of Section 51.0075(e) of the Texas Property Code is: Codilis & Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200
Executed on 07/21/2025. {s/ Will Morphis SBOT No. 24131905, Attorney at Law Codilis & Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200 Posted and filed by: ° Printed Name:
C&M No. 44-25-02399

Bed, Bath, Estimated value: $910,346 Avg ($/sqft: 229, 4 Bed , 3 Bath) # listed: 6