Foreclosure — 126 Government Street, Mobile, AL

MORTGAGEFORECLOSURE NOTICEDefault having been made in the terms of that certain Mortgage, executed on January 4, 2022, by Ashley Cisco and Melinda Cisco, as Mortgagor(s), to Gulfco of Alabama d/b/a Tower Loan of Dothan as Mortgagee, which said Mortgage is recorded in the Office of the Judge of Probate, Henry County, Alabama, in MORT Book 673 at Page 736 on January 12, 2022,   and default having continued under the terms of said Mortgage, and by virtue of Alabama Code Section 35-10-3 and 35-10-2, the following described real property will be sold at public outcry, for cash, to the highest bidder, in front of the Courthouse door of said County, during the legal hours of sale, on May 28, 2026.All that certain property situated in the County of HENRY, and State of ALABAMA, being described as follows:Lot 12 & 13, Block “C”, Hardridge Creek Estates, a subdivision located in Henry County, Alabama as per map or plat recorded in Plat Book 1, at Page 166 in the Office of the Judge of Probate, Henry County, Alabama.Subject to all easements, restrictions and reservations appearing of record.  Said sale will also be made subject to any Federal Tax Liens and/or Special Assessments of any nature, if any, which might adversely affect the title to the property.Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process.The property is being sold “as is, where is.” Said property is sold without warranty or recourse, expressed or implied as to title, use or enjoyment.This sale is made for the purpose of paying the indebtedness secured by said mortgage, as well as the expenses of foreclosure.This sale is subject to postponement or cancellation.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 some that go beyond the typical one-to-four family residence) where the transfer is to a legal entity or trust, and which includes cash purchases, 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, buyers and sellers are required to provide additional information and documentation about themselves, their legal entities, and/or the source of funds used in the reportable transaction. The collection of this information and documentation is required to comply with the Rule's federal reporting requirements. This notice is provided for informational purposes only and does not constitute legal advice. You are encouraged to consult with your own independent legal counsel if you have questions about how the FinCEN Anti-Money Laundering Rule affects your transaction and whether your transaction is reportable.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 Mortgage, and (3) to confirmation that the successful bidder has timely provided all information required by the Rule, 89 FR 70258. The Substitute Trustee, on behalf of the holder of the Mortgage reserves the right to rescind the foreclosure sale at its own discretion.Kent D. McPhailMcPhail Sanchez, LLCCounsel for Mortgagee/Transferee126 Government StreetMobile, AL  36602251-438-23334/30,5/7,14p____________