Gratiot County HeraldLegal Notices published March 4, 2010

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Legal Notices published March 4, 2010

Published Mar 2, 2010

NOTICE TO CREDITORS
DECEDENT’S ESTATE
State of Michigan, Probate Court for the County of Gratiot.
Estate of MARY E. CLEVELAND. Date of Birth: February 14, 1925. File No. 10-39-DE.
NOTICE TO CREDITORS: The decedent, Mary E. Cleveland, who lived at 1200 Wright Ave., Alma, MI 48801 died December 11, 2009.
Creditors of the decedent are notified that all claims against the estate will be forever barred unless presented to Jeffry A. Cleveland, named personal representative or proposed personal representative, or to both the probate court at 214 E. Center St., Ithaca, MI 48847 and the named/proposed personal representative within 4 months after the date of publication of this notice.
Jeffry A. Cleveland
Personal Representative
5345 W. Beal City Road
Weidman, MI 48893
Phone: (989) 644-5281
Chalgian & Tripp Law Offices, PLLC
Douglas G. Chalgian P54757
Attorney
105 S. Jeffery Avenue
Ithaca, MI 48847
Phone: (989) 875-8400 9t1

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Cynthia M O’Valle a single woman and Tyler Bauer a single man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender’s successors and/or assigns, Mortgagee, dated August 28, 2007, and recorded on August 29, 2007 in Liber 835 on Page 1408, and assigned by said Mortgagee to US Bank, NA as assignee as documented by an assignment, in Gratiot county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Fifty-Seven Thousand One Hundred Two And 11/100 Dollars ($57,102.11), including interest at 6.875% per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Gratiot County, at 10:00 AM, on March 11, 2010.
Said premises are situated in Village of Breckenridge, Gratiot County, Michigan, and are described as:
Lot 8, Block 16, Except the North 66 feet thereof, Assessor’s Plat of South Breckenridge according to the Plat recorded in Liber 1 of Plats, Page 132, Village of Breckenridge Gratiot County Michigan.
The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.
Dated: February 11, 2010
For more information, please call:
FC L (248) 593-1312
Trott & Trott, P.C.
Attorneys For Servicer
31440 Northwestern Highway, Suite 200
Farmington Hills, Michigan 48334-2525
File #290423F01 6t4

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Mike Gallahan, A Married Man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender’s successors and/or assigns, Mortgagee, dated May 16, 2007, and recorded on May 21, 2007 in Liber 830 on Page 43, and assigned by said Mortgagee to Chase Home Finance LLC as assignee as documented by an assignment, in Gratiot county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Eighty Thousand Two Hundred Nineteen And 74/100 Dollars ($80,219.74), including interest at 6.75% per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Gratiot County, at 10:00 AM, on March 11, 2010.
Said premises are situated in City of Alma, Gratiot County, Michigan, and are described as:
The West 60 feet of Lot 6, Block 3, Michigan Avenue Heights Subdivision City of Alma, Gratiot County, Michigan, according to the recorded plat thereof, and Lots 7 and 8, Lewis and Searl Addition to the City of Alma, Gratiot County, Michigan, according to the recorded plat thereof
The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.
Dated: February 11, 2010
For more information, please call:
FC S (248) 593-1304
Trott & Trott, P.C.
Attorneys For Servicer
31440 Northwestern Highway, Suite 200
Farmington Hills, Michigan 48334-2525
File #203179F02 6t4

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Russell and Carol Hoard, husband and wife and Larry Blair and Lisa Earl, a single woman, a single man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender’s successors and/or assigns, Mortgagee, dated June 14, 2006, and recorded on June 19, 2006 in Liber 809 on Page 169, in Gratiot county records, Michigan, and assigned by said Mortgagee to Deutsche Bank National Trust Company as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2006-HE8 Mortgage Pass-Through Certificates, Series 2006-HE8 as assignee, on which mortgage there is claimed to be due at the date hereof the sum of Ninety-Five Thousand Four Hundred Seventy-Two And 95/100 Dollars ($95,472.95), including interest at 10.875% per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Gratiot County, at 10:00 AM, on March 11, 2010.
Said premises are situated in City of Ithaca, Gratiot County, Michigan, and are described as:
The South 78 feet of the East 64 feet of lot 4, Block F, Northeast Ithaca, City of Ithaca, Gratiot County, Michigan, according to the recorded plat thereof
The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.
Dated: February 11, 2010
For more information, please call:
FC X (248) 593-1302
Trott & Trott, P.C.
Attorneys For Servicer
31440 Northwestern Highway, Suite 200
Farmington Hills, Michigan 48334-2525
File #259441F02 6t4

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
DEFAULT having been made in the terms and conditions of a certain mortgage made on September 1, 2005, between Russell D. Teeter and Donna S. Teeter, husband and wife, as Mortgagors, to Firstbank-Alma Mortgage Company, a Michigan Banking Corporation, as Mortgagee, and recorded in the Office of the Register of Deeds for Gratiot County on September 14, 2005, in Liber 789, Page 1033. On which said mortgage there is claimed to be due at the date of this Notice the sum of NINETY-THREE THOUSAND THREE HUNDRED ELEVEN AND 14/100 DOLLARS ($93,311.14), for principal, interest, and other charges, with interest at the rate of 6.125% per annum. No suit or proceeding at law or in equity having been instituted to recover the debt, or any part thereof, secured by said Mortgage, and the Power of Sale in said Mortgage contained having become operative by reason of such default;
NOTICE IS HEREBY GIVEN that on the 18th day of March, 2010, at 10:00 AM, at the Courthouse in the City of Ithaca, Gratiot County, Michigan, that being the place of holding the Circuit Court for the County of Gratiot, there will be offered for sale and sold to the highest bidder at public auction, the land and premises in said Mortgage, for the purpose of satisfying the amount due and unpaid upon said Mortgage, together with legal costs and charges of sale, including the attorney fee allowed by law.
The land and premises in said Mortgage being situated in the Township of Seville, County of Gratiot, State of Michigan, respectively, to wit:
PART OF THE NORTHEAST 1/4 OF THE NORTHEAST 1/4 OF SECTION 19, TOWN 12 NORTH, RANGE 4 WEST, SEVILLE TOWNSHIP, GRATIOT COUNTY, MICHIGAN, MORE PARTICULARLY DESCRIBED AS BEGINNING AT A POINT ON THE EAST LINE OF SAID SECTION 19, WHICH IS SOUTH, 423.00 FEET FROM THE NORTHEAST CORNER OF SAID SECTION 19; THENCE CONTINUING SOUTH ALONG SAID EAST LINE 189.00 FEET; THENCE WEST PERPENDICULAR TO SAID EAST LINE, 230.00 FEET; THENCE NORTH PARALLEL WITH SAID EAST LINE 189.00 FEET; THENCE EAST PERPENDICULAR TO SAID EAST LINE 230.00 FEET TO THE POINT OF BEGINNING.
The redemption period under the statute in such case made and provided is six (6) months from the date of sale, unless determined abandoned in accordance with MCL 600.3241a, in which case the redemption period shall be thirty (30) days from the date of sale or fifteen (15) days from the date the notice required by MCL 600.3241a(b) was posted and mailed.
Dated: February 15, 2010
Firstbank-Alma Mortgage Company
A Michigan Banking Corporation
Mortgagee
311 Woodworth Ave.
Alma, MI 48801
Prepared by:
Christopher E. Goggin,
Attorney for Mortgagee
P.O. Box 488, Alma, MI 48801
(989) 463-3191 7t4

ORDER FOR ALTERNATE SERVICE
State of Michigan, 29th Circuit Court, 214 E. Center St., Ithaca, MI 48847, 989/875-5215.
CITIMORTGAGE, INC., Plaintiff, vs. LISA A. BABCOCK, 4320 W. Birmingham Rd., Alma, I 48801-9672, 989/463-3006, Defendant. Case No. 0911469CK.
RAUSCH, STURM, ISRAEL, ENERSON & HORNIK, LLC
David J. Canine, #P61828
30500 Northwestern Hwy, Suite 500
Farmington Hills, MI 48334
(877) 667-8010
THE COURT FINDS:
Service of process upon defendant LISA A BABCOCK cannot reasonably be made as provided in MCR 2.105, and service of process may be made in a manner which is reasonably calculated to give defendant actual notice of the proceedings and an opportunity to be heard.
IT IS ORDERED:
Service of the summons and complaint and a copy of this order may be made by the following method(s):
First class mail to: 4320 W. BIRMINGHAM RD., ALMA, MI 48801-9672;
Tacking or firmly affixing to the door at: 4320 W. BIRMINGHAM RD., ALMA, MI 48801-9672;
Other: Certified mail return receipt requested and publication Order to Answer 3 consecutive weeks in Gratiot County Herald.
For each method used, proof of service must be filed promptly with the court.
Date: February 9, 2010.
s/Randy L. Tahvonen
Judge 7t3

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
MORTGAGE SALE - Default has been made in the conditions of a mortgage made by James A Stoneburner, and Dina M Stoneburner, husband and wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender’s successors and/or assigns, Mortgagee, dated September 12, 2006, and recorded on September 19, 2006 in Liber 814 on Page 1217, in Gratiot county records, Michigan, and assigned by said Mortgagee to Deutsche Bank National Trust Company, as Trustee for Morgan Stanley ABS Capital I Inc. Trust 2007-HE2 as assignee, on which mortgage there is claimed to be due at the date hereof the sum of Fifty-Nine Thousand Six Hundred Eighty And 50/100 Dollars ($59,680.50), including interest at 8.49% per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Gratiot County, at 10:00 AM, on March 25, 2010.
Said premises are situated in Township of Wheeler, Gratiot County, Michigan, and are described as:
Part of the South 1/2 of the Northeast 1/4 of the Southeast 1/4 of Section 17, Town 12 North, Range 1 West, Wheeler Township, Gratiot county, Michigan, described as beginning at a point on the East Section line, which is South 00 degrees 35 minutes 35 seconds East, 658.83 feet from the East 1/4 corner; thence South 00 degrees 35 minutes 35 seconds East ,165.01 feet; thence North 89 degrees 59 minutes 05 seconds West 264.02 feet; thence North 00 degrees 35 minutes 35 seconds West, 165.01 feet; thence South 89 degrees 59 minutes 05 seconds East, 264.02 feet to the point of beginning.
The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.
Dated: February 25, 2010
For more information, please call:
FC D (248) 593-1309
Trott & Trott, P.C.
Attorneys For Servicer
31440 Northwestern Highway, Suite 200
Farmington Hills, Michigan 48334-2525
File #279501F02 8t4

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Loren E. Wallace and Frances A. Wallace, husband and wife, original mortgagor(s), to Bank One, NA, Mortgagee, dated August 23, 2001, and recorded on August 30, 2001 in Liber 654 on Page 1087, and assigned by said Mortgagee to The Bank of New York Mellon f/k/a The Bank of New York as successor to JPMorgan Chase Bank, National Association,
f/k/a JPMorgan Chase Bank, as Trustee for the PPT Asset-Backed Certificates, Series 2004-1 as assignee as documented by an assignment, in Gratiot county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Seventy-Eight Thousand Four Hundred Twenty-Four And 25/100 Dollars ($78,424.25), including interest at 8.2% per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Gratiot County, at 10:00 AM, on March 25, 2010.
Said premises are situated in Township of Pine River, Gratiot County, Michigan, and are described as:
Part of the Northeast 1/4 of the Northwest 1/4 of Section 10, Town 12 North, Range 3 West, Pine River Township, Gratiot County, Michigan, described as; Beginning at a point on the North Section line, which is North 89 degrees 18 minutes 30 seconds West, 982.76 feet from the North 1/4 corner of said Section 10, thence North 89 degrees 18 minutes 30 seconds West, 16.5 feet; thence South 0 degrees 05 minutes 45 second West, 396.00 feet, thence North 89 degrees 18 minutes 30 seconds West 330.00 feet; thence South 0 degrees 05 minutes 45 seconds West, 247.50 feet, along the West-North and South 1/8th line, thence South 89 degrees 18 minutes 30 seconds East 346.50 feet, thence North 0 degrees 05 minutes 45 second East, 643.50 feet, to the point of beginning. Subject to existing Roadway Rights along the North 33 feet thereof.
The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.
Dated: February 25, 2010
For more information, please call:
FC F (248) 593-1313
Trott & Trott, P.C.
Attorneys For Servicer
31440 Northwestern Highway, Suite 200
Farmington Hills, Michigan 48334-2525
File #304527F01 8t4

NOTICE PURSUANT TO
MCL 600.3205a(4)
NOTICE is hereby provided to James S Birnbaum and Shelley L Birnbaum, the borrowers and/or mortgagors (hereinafter “Borrower”) regarding the property located at: 6169 Mason Rd, Merrill, MI 48637-9617.
The Borrower has the right to request a meeting with the mortgage holder or mortgage servicer. The agent designated by the Mortgage Servicer and/or Mortgage Holder to contact and that has authority to make agreements under MCL sections 600.3205b and 600.3205c is: Trott & Trott, P.C., 31440 Northwestern Highway, Suite 200, Farmington Hills, MI 48334-2525 at (248) 593-1304
The Borrower may contact a housing counselor by visiting the Michigan State Housing Development Authority’s website or by calling the Michigan State Housing Development Authority at http://www.michigan.gov/mshda or at (866) 946-7432.
If the Borrower requests a meeting with the agent designated above by contacting an approved housing counselor within 14 days from March 1, 2010, foreclosure proceedings will not be commenced until 90 days after March 1, 2010.
If the Borrower and the agent designated above reach an agreement to modify the mortgage loan, the mortgage will not be foreclosed if the Borrower abides by the terms of the agreement.
The Borrower has the right to contact an attorney. The telephone number of the State Bar of Michigan’s Lawyer Referral Service is (800) 968-0738.
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE.
Date: March 4, 2010
For more information, please call:
FC S (248) 593-1304
Trott & Trott, P.C.
Attorneys For Servicer and/or Mortgage Holder
31440 Northwestern Highway, Suite 200
Farmington Hills, MI 48334-2525
File # 313311F01 9t1

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
NOTICE TO PROSPECTIVE PURCHASERS: This sale may be rescinded or set aside by the foreclosing mortgagee. In such event, your damages, if any, shall be limited solely to a return or refund of the bid amount tendered at such sale, together with interest at the rate set forth herein.
MORTGAGE SALE: Default having been made in the terms and conditions of a certain mortgage made by Joseph Joynt, a single man, Mortgagor, of 405 E. North Street, Ithaca, Michigan 48847, to Chemical Bank, formerly known as Chemical Bank and Trust Company, a Michigan banking corporation, of 333 E. Main Street, Midland, Michigan 48640, Mortgagee, dated April 26, 2004, and recorded in the Office of the Register of Deeds for the County of Gratiot and State of Michigan, on April 29, 2004, in Liber 750, at page 1152, of the Gratiot County Records, on which mortgage there is claimed to be due for principal, interest and late fees, as of the date of this notice, the sum of Seventy Thousand Five Hundred Fifty-Three and Eighteen Hundredths Dollars ($70,553.18).
No suit or proceedings at law or in equity having been instituted to recover the debt secured by said mortgage or any part thereof, whereby the power of sale contained in said mortgage has become operative;
NOW THEREFORE, by virtue of the power of sale contained in said mortgage, and pursuant to the statutes of the State of Michigan in such case made and provided, notice is hereby given that on Thursday, April 1, 2010, at 10:00 a.m., said mortgage will be foreclosed in the lobby of the Gratiot County Courthouse, in Ithaca, State of Michigan, that being the place where the Circuit Court for the County of Gratiot is held, by a sale at public auction, to the highest bidder, of the premises described in said mortgage or so much thereof as may be necessary to pay the amount due, as aforesaid, on said mortgage with interest thereon at Five and Two Hundred Fifty Thousandths percent (5.25%) per annum and all legal costs, charges and expenses, including the attorneys’ fees allowed by law, and also any taxes and insurance which may be paid by the Mortgagee on or before the date of said sale which may be necessary to protect its interest in the premises.
Said premises are situated in the City of Ithaca, in the County of Gratiot and State of Michigan, are commonly known as 405 E. North Street, Ithaca, Michigan 48887, and are more particularly described as follows:
Lot 1, Block "H" Northeast Ithaca, City of Ithaca, Gratiot County, Michigan, according to the recorded plat thereof as recorded in the Gratiot County Register of Deeds office.
The redemption period shall be six (6) months from the date of such sale; provided, however, that in the event that the property is determined to be abandoned pursuant to MCL 600.3241a, the property may be redeemed during the thirty (30) days immediately following such sale.
Date: February 25, 2010
William R. Garchow (P61833)
CURRIE KENDALL PLC
6024 Eastman Avenue
Midland, Michigan 48640
(989) 839-0300
Attorneys for Chemical Bank 8t5

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
MORTGAGE SALE - Default has been made in the conditions of a mortgage made by David Ryder, a married man and Billie Ryder, his wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender’s successors and/or assigns, Mortgagee, dated September 23, 2008, and recorded on October 6, 2008 in Liber 856 on Page 191, in Gratiot county records, Michigan, and assigned by said Mortgagee to Wells Fargo Bank, NA as assignee, on which mortgage there is claimed to be due at the date hereof the sum of Seventy-Five Thousand Six Hundred Fourteen And 67/100 Dollars ($75,614.67), including interest at 6% per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Gratiot County, at 10:00 AM, on March 25, 2010.
Said premises are situated in City of Alma, Gratiot County, Michigan, and are described as:
The East 112 Feet of the South 26 Feet of Lot 5 and the East 112 feet of the North 14 Feet of Lot 6, Block 47, Gargett’s Addition, City of Alma, Gratiot county, Michigan, according to the recorded plat thereof in Liber 2, page 39, Gratiot county records
The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.
Dated: February 25, 2010
For more information, please call:
FC D (248) 593-1309
Trott & Trott, P.C.
Attorneys For Servicer
31440 Northwestern Highway, Suite 200
Farmington Hills, Michigan 48334-2525
File #305090F01 8t4

State of Michigan
65B Judicial District Court
John U. McDaid - Plaintiff
Joshua Ritter Krentz - Defendant
Case Number SC09-318
The proceedings are in regard to non payment of rent and non payment of utility bills associated with the occupancy of 225 Lincoln Avenue, Alma, Michigan 48801.
A hearing will be held at the 65th District Court located at 245 East Newark Street, Ithaca, Michigan at 10:00 a.m. on Monday, March 22, 2010.
Failure to answer or take other action may very well lead to a judgment in favor of the defendant. 8t3

NOTICE OF DEFAULT IN
MORTGAGE AND OF INTENT
TO ACCELERATE LOAN
FEDERAL LAW REQUIRES
US TO ADVISE YOU THAT
COMMUNICATION WITH OUR
OFFICE COULD BE INTERPRETED AS AN ATTEMPT TO COLLECT
A DEBT AND THAT ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IF YOU ARE IN ACTIVE
MILITARY SERVICE,
PLEASE CONTACT OUR OFFICE AT (989) 224-6734,
AS YOU ARE ENTITLED TO
SPECIAL PROTECTIONS.
To: Thadeus Peiffer  8409 E. St. Charles  Ithaca, MI 48847
Rae Linn Peiffer
8409 E. St. Charles
Ithaca, MI 48847
State law requires that you receive the following notice: You are in default of your Mortgage and Note dated October 26, 2009, to NuUnion Credit Union, of 501 S. Capitol Avenue, Lansing, Michigan   48933-2320, by reason of your default in the payment of said Mortgage and failure to pay your payments for November 29, 2009, December 29, 2009 and January 29, 2010, and that the payoff of the Mortgage as of February 25, 2010, was $25,947.83.
You have the right to request a meeting with your mortgage holder or mortgage servicer. The person to contact (“Mortgage Holder Designate”) and that has the authority to make agreements for a loan modification with you is: Jackson, Jackson & Associates, P.C., 120 E. Walker Street, P.O. Box 246, St. Johns, Michigan 48879, telephone (989) 224-6734.
You may contact a housing counselor by visiting the Michigan State Housing Development Authority (“MSHDA”) website or by calling MSHDA. The website address and telephone number of MSHDA is: (www.mshda.info/counseling_search/), Telephone (517) 373-8370, TTY# 1-800-382-4568.
If you request a meeting with the Mortgage Holder Designate within 14 days of February 25, 2010 to attempt to work out a modification of the mortgage loan, foreclosure will not start until 90 days after the date the Notice was mailed to you. You may request that a housing counselor attend this meeting. If you and the Mortgage Holder Designate reach an agreement to modify the mortgage loan, the mortgage will not be foreclosed if you abide by the terms of the agreement.
You have the right to contact an attorney. You may contact an attorney of your choice. If you do not have an attorney, the telephone number of the Michigan State Bar Association’s Lawyer Referral Service is 1-800-968-0738. The local legal aid office in your area is Legal Aid of Eastern Michigan, Midland Office, telephone number (989) 832–7987; Toll Free (800) 322–9142.
Dated: February 25, 2010
JACKSON, JACKSON & ASSOCIATES,
      P.C.
Edward W. Jackson (P56973)
Attorneys for NuUnion Credit Union
120 East Walker, P.O. Box 246
St. Johns, MI 48879
(989) 224-6734 9t1

NOTICE OF MORTGAGE
FORECLOSURE SALE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.
ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.
DEFAULT having been made in the terms and conditions of a certain mortgage made on April 23, 2007, between Lorraine K. Routheaux, a single woman, as Mortgagor, to Firstbank-Alma Mortgage Company, a Michigan Banking Corporation, as Mortgagee, and recorded in the Office of the Register of Deeds for Gratiot County on April 30, 2007, in Liber 828, Page 747. On which said mortgage there is claimed to be due at the date of this Notice the sum of SIXTY-ONE THOUSAND FIVE HUNDRED TWENTY-NINE AND 70/100 DOLLARS ($61,529.70), for principal, interest, and other charges, with interest at the rate of 6.375% per annum. No suit or proceeding at law or in equity having been instituted to recover the debt, or any part thereof, secured by said Mortgage, and the Power of Sale in said Mortgage contained having become operative by reason of such default;
NOTICE IS HEREBY GIVEN that on the 1st day of April, 2010, at 10:00 AM, at the Courthouse in the City of Ithaca, Gratiot County, Michigan, that being the place of holding the Circuit Court for the County of Gratiot, there will be offered for sale and sold to the highest bidder at public auction, the land and premises in said Mortgage, for the purpose of satisfying the amount due and unpaid upon said Mortgage, together with legal costs and charges of sale, including the attorney fee allowed by law.
The land and premises in said Mortgage being situated in the City of Alma, County of Gratiot, State of Michigan, respectively, to wit:
LOT 32, 33 AND THE WEST 1/2 OF LOT 31, SUNNYSIDE ADDITION TO THE CITY OF ALMA, GRATIOT COUNTY, MICHIGAN, ACCORDING TO THE RECORDED PLAT THEREOF.
The redemption period under the statute in such case made and provided is six (6) months from the date of sale, unless determined abandoned in accordance with MCL 600.3241a, in which case the redemption period shall be thirty (30) days from the date of sale or fifteen (15) days from the date the notice required by MCL 600.3241a(b) was posted and mailed.
Dated: February 24, 2010
Firstbank-Alma Mortgage Company
A Michigan Banking Corporation
Mortgagee
311 Woodworth Ave.
Alma, MI 48801
Prepared by:
Christopher E. Goggin,
Attorney for Mortgagee
P.O. Box 488
Alma, MI 48801
(989) 463-3191 9t4

NOTICE PURSUANT TO
MCL 600.3205a(4)
NOTICE is hereby provided to Larry Avery and Starr Avery, the borrowers and/or mortgagors (hereinafter “Borrower”) regarding the property located at: 764 N Warner Rd, Sumner, MI 48889-9734.
The Borrower has the right to request a meeting with the mortgage holder or mortgage servicer. The agent designated by the Mortgage Servicer and/or Mortgage Holder to contact and that has authority to make agreements under MCL sections 600.3205b and 600.3205c is: Trott & Trott, P.C., 31440 Northwestern Highway, Suite 200, Farmington Hills, MI 48334-2525 at (248) 593-1300
The Borrower may contact a housing counselor by visiting the Michigan State Housing Development Authority’s website or by calling the Michigan State Housing Development Authority at http://www.michigan.gov/mshda or at (866) 946-7432.
If the Borrower requests a meeting with the agent designated above by contacting an approved housing counselor within 14 days from February 26, 2010, foreclosure proceedings will not be commenced until 90 days after February 26, 2010.
If the Borrower and the agent designated above reach an agreement to modify the mortgage loan, the mortgage will not be foreclosed if the Borrower abides by the terms of the agreement.
The Borrower has the right to contact an attorney. The telephone number of the State Bar of Michigan’s Lawyer Referral Service is (800) 968-0738.
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE.
Date: March 4, 2010
For more information, please call:
FC H (248) 593-1300
Trott & Trott, P.C.
Attorneys For Servicer and/or Mortgage Holder
31440 Northwestern Highway, Suite 200
Farmington Hills, MI 48334-2525
File # 312039F01 9t1

NOTICE PURSUANT TO
MCL 600.3205a(4)
NOTICE is hereby provided to Alan Cartwright and Penny Cartwright, the borrowers and/or mortgagors (hereinafter “Borrower”) regarding the property located at: 2636 E Madison Rd, Saint Louis, MI 48880-9244.
The Borrower has the right to request a meeting with the mortgage holder or mortgage servicer. The agent designated by the Mortgage Servicer and/or Mortgage Holder to contact and that has authority to make agreements under MCL sections 600.3205b and 600.3205c is: Trott & Trott, P.C., 31440 Northwestern Highway, Suite 200, Farmington Hills, MI 48334-2525 at (248) 593-1309
The Borrower may contact a housing counselor by visiting the Michigan State Housing Development Authority’s website or by calling the Michigan State Housing Development Authority at http://www.michigan.gov/mshda or at (866) 946-7432.
If the Borrower requests a meeting with the agent designated above by contacting an approved housing counselor within 14 days from March 1, 2010, foreclosure proceedings will not be commenced until 90 days after March 1, 2010.
If the Borrower and the agent designated above reach an agreement to modify the mortgage loan, the mortgage will not be foreclosed if the Borrower abides by the terms of the agreement.
The Borrower has the right to contact an attorney. The telephone number of the State Bar of Michigan’s Lawyer Referral Service is (800) 968-0738.
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE.
Date: March 4, 2010
For more information, please call:
FC D (248) 593-1309
Trott & Trott, P.C.
Attorneys For Servicer and/or Mortgage Holder
31440 Northwestern Highway, Suite 200
Farmington Hills, MI 48334-2525
File # 189899F02 9t1