rr— r H r 62. SEP I i. PHI2: 0 501 Bristol Drive Allen Texas 75013 C P CELL sTY TEXAS NOTICE OF TRUSTEE' S SALE 3Y: n P() TY and APPOINTMENT OF SUBSTITUTE TRUSTEE THIS INSTRUMENT APPOINTS 'TEE SUBSTITUTE TRUSTEE(S) IDEN1TFIED TO SELL ' ME PROPERTY DESCRIBED 14 THE SECURITY INSTRUMENT IDENTIFIED111THISNOTICEOFSALE.THEPERSONSIGNINGTHISNOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICE& WHEREAS, on August 9, 2019, Geetha Thondar and Saravana K. Raghavan, wife and husband executed a Deed of Trust conveying to Black, Mann & Graham, LLP, Trustee, the real property hereinafter described, to secure All Credit Considered Mortgage, Inc., inthe payment ofa debt therein described, said Deed ofTrust being recorded in Document No. 20190814000984430, OfficialPublicRecords ofCollin County,Texas. WHEREAS, default has occurred inthe payment ofsaid indebtedness, andthe same is now wholly due, and the owner and holder ofsaid debt 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 saidsale inaccordance withtheterms ofsaidDeed ofTrust. WHEREAS, inmy capacity as the attorney forthe present owner and holder ofthe note, and pursuant toSection 51.0076(3) Texas Property Code,Iherebyname,appoint anddesignate EffBenton orBonnie Mounger or Guy Wiggs or David Stockman. orDonna Stockman or Janet Pinder or Jamie Dworsky or Angela Brown or DavidGarvin or Leslie Shuler or Robin Shelton, the Substitute Trustee(s) in the above described Deed ofTrust and/or to act under and by virtue ofsaid Deed of Trust, including posting and filing the public notice required under Section 51.002 Texas Property Code as amended, and toproceed with aforeclosure ofthe Deed ofTrust lien securing the payment ofsaid note. NOW, THEREFORE, NOTICE IS HEREBY GIVEN that on Tuesday, October 6, 2026, at 10:00 o'clock a.m. or within three ( 3) hours thereafter, the Substitute Trustee will sell said real property atthe place hereinafter set out, to the highest bidder for cash. The place ofsale shall be in the area designated bythe Commissioners Courtofsuch County,pursuantto §51.002 oftheTexas Property Code as the place where foreclosure sales arc to take place ( if such place is not so designated, the sale will take place in the area where this Notice of Substitute Trustee' s Sale is posted), intheCityofMcKinney,CollinCounty,Texas. Said real property is described as follows: Lot 13, Block 3, ofEstates ofTwin Creeks, Phase 1, an sridition to the City ofAllen,Collin County, Texas, according to the amended plat thereof recorded in Cabinet 2008, Slide 157, PlatRecords, CollinCounty,Texas. TheDeedofTrustpermitstheBeneficiary to postpone, withdraw, orreschedule the salefor anotherday. Inthat case, the Trustee under the Deed ofTrust orSubstitute Trustee appointed herein need not appear at the date, time and place of a scheduled sale to announce the postponement, withdrawal, or rescheduling. Notice ofthe date ofany rescheduled foreclosure sale will be reposted and refiled in accordance with the posting and fling requirements ofthe Texas Property Code. The reposting orrefiling may be after the date originally scheduled forthis sale. Pursuant to Section 51.009 ofthe Texas Property Code, the property will be sold in" AS IS, WHERE IS" condition, without any express orimplied warranties, except astothewarranties oftitle if any) provided for under the Deed of Trust. Prospective bidders are advised to conduct an independent investigation ofthe nature andphysical condition ofthe property and the priority ofthe lienbeing foreclosed. The sale will be conducted as apublic auction to the highest bidder for cash, subject to the provisions oftheDeed ofTrustpermitting theBeneficiary thereundertohavethebid credited tothe Noteuptothe amount oftheunpaid debt securedbythe Deed ofTrust atthetime ofsale. Thosedesiringtopurchasethepropertywillneedto demonstratetheirabilitytopaytheirbid immediately in cash iftheir bid is accepted. Thesalewillbemade expresslysubjecttoanytitlematters setforthintheDeedofTrust,but prospective bidders are reminded that by law the sale will necessarily be made subject to all prior matters ofrecord affecting the property, ifany, to the extent that they remain inforce and effect and havenotbeensubordinatedtotheDeedofTrust.Thesaleshallnotcoveranypartofthepropertythat has been released ofpublic record fromthelienofthe Deed ofTrust.Prospective bidders are strongly urgedto examinethe applicablepropertyrecordsto determinethepriority,nature andextent ofsuch matters, ifany. Inthe event ofa defect or other problem with the foreclosure process is discovered that may invalidatethesale, the considerationpaidwillbe returnedto thepurchaser as the sole andabsolute remedy. Inthe event ofany claim or actionbrought by any person including the purchaserrequiring orresulting intheinvalidation ofthe sale and rescission oftheTrustee' s Deed orSubstitute Trustee' s Deed, purchaser's damages resulting therefrom arelimited totheconsideration paidtotheTrustee or Substitute Trustee and the sole and absolute remedy shall be the return to purchaser of the consideration paid. The purchaser shall have no further recourse against the Trustee, Substitute Trustee, Mortgagor, Mortgagee orthe Mortgagee' s attorney. Default has occurred under the Deed ofTrust, and the beneficiary has requested the above named Trustee or Substitute Trustee(s), to conduct this public sale.Notice is giventhatbefore the sale thebeneficiary ortheBeneficiary's attorney,agentor servicermayappointanotherpersonsubstitute trustee to conduct the sale.Assert and protect your rights as a member ofthe armed forces ofthe United States. Ifyou are or your spouse is serving on active military duty, including activemilitary duty as amember oftheTexas National Guard or theNational Guard of another state or as a member ofa reserve component of the armed forces of the United States, please send written notice of the active duty military service to the sender ofthis notice immediately. The Substitute Trustee' saddress is c/oWest& West, Greer& Estorga, 2929 Mossrock, Suite 204, San Antonio, Texas 78230. WITNESS MY HAND on ( 1 day ofSeptember 2026. MATIOW D..TORN N State BarNo. 24098890 DEAN W. GREER State BarNo. 08414100 Attorney or Authorized Agent for the Mortgagee or Mortgagee' s Servicer West& West, Greer& Estorga 2929 Mossrock, Suite 204 SanAntonio, Texas 78230