COMBINED NOTICE - PUBLICATION (CRS §38-38-103) Foreclosure Sale No. 2025-0309 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 13, 2025, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Pueblo records. Original Grantor DANIEL JAY PHILLABAUM AND AMANDA PHILLABAUM Original Beneficiary MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR CITADEL SERVICING CORPORATION DBA ACRA LENDING, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of DebtWILMINGTON SAVINGS FUND SOCIETY, FSB, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE ON BEHALF OF HOMES 2024-NQM1 TRUST  Date of Deed of Trust 5/30/2024   Recording Date of Deed of Trust 6/6/2024 Recorded in Pueblo County Reception No. 2344291 Original Principal Amount $237,300.00 Outstanding Principal Balance $236,422.05 Pursuant to C.R.S. §38-38-101 (4) (i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay monthly installments due to Note Holder. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.  THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.    LOT 2, BLOCK 1, MCHARG'S SUBDIVISION, EXCEPT THAT PORTION SOLD TO PUEBLO, AS DESCRIBED IN DEED RECORDED JANUARY 21, 1992 IN BOOK 2574 AT PAGE 677, COUNTY OF PUEBLO, STATE OF COLORADO.     which has the address of:  328 Avondale Street Avondale, CO 81022   NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 a.m. in the forenoon of December 10, 2025, at the Pueblo County Public Trustee’s Office, 215 W. 10th Street, RM 104, Pueblo, Colorado, sell to the highest and best bidder for cash, the said real property and all interest of said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED. First Publication: 10/17/2025 Last Publication: 11/14/2025 Published in: Pueblo Chieftain Dated: 8/14/2025 KIM ARCHULETTA PUEBLO COUNTY PUBLIC TRUSTEE By: Douglas Naylon Deputy Public Trustee Attorney:  AMANDA FERGUSON Attorney Registration #44893 HALLIDAY, WATKINS & MANN, P.C. 355 UNION BLVD., SUITE 250, LAKEWOOD, COLORADO 80228 Phone: (303) 274-0155 Fax: (303) 274-0159 Attorney file #: CO25048    The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.