The Bay City Democrat

The Bay City Democrat

AND THE BAY COUNTY LEGAL NEWS

~ TUESDAY EDITION ~ Serving Bay County Since 1890 ~





Volume CXXI Bay City, Michigan, Tuesday, November 29, 2011 Number 48









PJs for Preemies Best Christmas

Clothing Drive Trombley-Centre Holiday Open House Pageant Ever

The 3rd annual PJs for Pre-

emies Clothing Drive is going on

~ Celebrating the Christmas Season ~ By Bay City Players

Stages of Discovery

now to Tuesday, January 31, Bay City Players will present

2012 with drop off locations in the play, The Best Christmas

Bay City at Graff Chevrolet, Pageant Ever by Barbara Robin-

Prime Brothers Furniture, Maier son, December 9 – 11, 2011 at the

& Associates, Lil Muffins & A Bay City Players, 1214 Colum-

Bun in the Oven and in Saginaw bus Avenue. Performance times

at Magic Bean Café. Graff are 7pm Friday and Saturday and

Chevrolet has once again gra- 2pm on Sunday. The Best Christ-

ciously offered to match whatev- mas Pageant Ever is directed by

er donations are received! All Denyse Clayton.

donations will become the prop- The Bay City Players box of-

erty of Covenant Hospital and fice will be open December 5-10,

remain in the NICU for any ba- from 6pm to 8pm; December 11

bies while they are being treated. from 1pm to 2pm. Box office

PJs for Preemies is collecting phone is (989) 893-5555. Tickets

clothing for the Neonatal Inten- are $8 for students/seniors and

sive Care Unit (NICU) at $10 all others. Tickets can be

Covenant Hospital in Saginaw. purchased online at www.bayci-

Clothing must snap or button in typlayers.com beginning Novem-

the front ONLY; no zippers, in ber 29 at noon.

order to accommodate for wires In this great Christmas tale, as

and tubes. New and like new pre- a couple struggles to put on a

emie and newborn clothes (sizes church Christmas pageant,

preemie through 3 months) are The Trombley-Centre House, 901 John F. Kennedy Drive in Veterans Memorial Park, Bay they’re faced with casting the

accepted. Gowns and sleep sacks City will open their doors for three Fridays, December 2, 9 & 16, 2011 to welcome in the hol- Herdman kids, probably the most

are also needed. Most sleep idays. Sponsored by the Bay County Historical Society, hours are 6pm to 8pm with free ad- awful kids in history. Enjoy the

sacks have zippers which is ac- mission. Enjoy old fashioned games and hot chocolate at Bay City’s oldest frame house, dec- mayhem when the Herdmans col-

ceptable. orated for the holidays. Visit the parlor where the Trombley family entertained their guests lide with the Christmas story.

Thankfully, most mothers de- and see vintage dolls and toys; view the dining room where boarders once shared a meal; peer

liver full term, healthy babies into the 1880s kitchen and smell the aroma of food being prepared on a wood cookstove.

with very little problems. Some Also offered at the Trombley-Centre House is Breakfast with Santa on Saturday mornings,

mothers, however, are not as for- December 3, 10 and 17, 2011 beginning at 9:30am. These mornings are magical as children

tunate and give birth to premature have a chance to enjoy breakfast with Santa himself! Seating is limited and reservations are Nature Art Show

babies, and the little ones are re- required. Children must be accompanied by an adult, cost is $7.00 per person (for children 3 There will be a Nature Art

quired to spend some time in a and older). Tickets are available in the Museum Store. Show & Sale at the Chippewa

Neonatal Intensive Care Unit. The two story Greek Revival Nature Center, 400 S. Badour

The clothing at the NICU is Trombley house was built in 1836 Road, Midland on December 3 &

too big for a baby born weighing by brothers Joseph and Mader 4, with free admission. Saturday

3-5 lbs. Most 0 to 3 month Trombley and was originally lo- hours are 9am to 5pm, Sunday

clothes fit a baby with an average cated at 24th and Water Streets. In hours are 9am to 4pm. There will

weight of 7-9 lbs. Having clothes 1971, it was placed on the Nation- also be a silent auction.

that fit babies properly during al Register of Historical Places. A Members Only Preview will

their stay in the NICU can help Acquired by the Bay County His- be Friday, December 2, 2011

normalize the experience. torical Society, the structure was from 6pm to 9pm. Enjoy festive

Donations can also be sent to moved by barge in 1981 to its snacks, apple cider and cider

Graff Chevrolet, Atten: PJs for present location and restoration slush from Leaman’s Green

Preemies, 3636 E. Wilder Road, began. Today, the Trombley-Cen- Apple Barn, a silent auction and

Bay City, MI 48706. For infor- tre home offers a glimpse of life live music. If not a member, buy

mation, call Christi (989) 280- during an earlier time in Bay a membership at the art show to

0018, (989) 922-3559 or visit on- City’s pioneer history. The parlor, take advantage of the pre-sale.

line at www.pjsforpreemies.com. dining room and kitchen, com- Why not buy gifts on your

plete with wood cookstove will Christmas list or shop for your-

boast old fashioned Christmas self at the Nature Art Show.

decorations, dolls and toys remi- Artists will feature works that in-

niscent of the 1880s. For more in- clude paintings, photography,

Appointments formation, call the Historical Soci- baskets, sculptures, pottery, wood

To City Boards ety at (989) 893-5733. carvings and more! For informa-

tion, call (989) 631-0830 or visit

In accordance with policy for- Photograph and story provided in part www.chippewanaturecenter.org.

mulated for the purpose of mak- by The Bay County Historical Museum

ing appointments to City Boards,

Committees and Commissions,

notice is hereby given of the fol-

lowing vacancies:

Downtown Management Grants Awarded To Organizations Living American

Board, One vacancy, term to ex- Over $75,000 in grants were Team, Bangor Township Schools, Christmas Card Red Cross

pire June 30, 2014. Qualifica- awarded this fall to 29 non-profit BASETEAM, Bay Area Chamber Experience a living portrayal Food. Shelter. Comfort. Hope.

tions: Must be an owner operator organizations by the Bay Area of Commerce Foundation, Bay of the events of Jesus’ birth at a In a season filled with giving,

of a downtown business or a res- Community Foundation. This Area Women’s Center, Bay Living Christmas Card at Trinity there are many ways to give back

ident of the downtown area. amount contributes to over $5 Arenac ISD, Bay City Central Evangelical Lutheran Church, to your community through the

Economic Development Cor- million invested in Bay and High School, Bay City Garden 1010 33rd Street, Bay City on American Red Cross.

poration, One vacancy, term to Arenac counties through grants in Club, Bay County Prosecutor’s December 5 & 6, 2011. Hours “The gift you give today will

expire April 1, 2017. Qualifica- the past 5 years. Grants have as- Office, Bay-Arenac ISD, Boys & are 6pm to 8:30pm. For more in- be there for the patient needing

tions: At large. sisted programs in arts and cul- Girls Clubs of Bay County, Deep formation, call Trinity Church at blood, the family needing shelter

Fire Code Board of Appeals, ture, community initiative, educa- River Township, Dental Hygiene (989) 892-5435. or the child who needs a hug and

Four vacancies, terms to expire tion, environment, health and Health Services, Disability Ser-

August 1, 2015 and 2016. Quali- human services. vices Resource Center, Do-All, a blanket,” said Sharon Jaksa,

fications: Specialist in Fire Pre- “Unfortunately, the Founda- Inc., Friends of the Bay City State CEO for the Great Lakes Blood

vention. tion can’t fulfill the requests of all Recreation Area, Good Samaritan Services Region of the American

Historic District Commission, of our applicants due to our limit- Rescue Mission, Nate & Mary Ida Benefit Dinner Red Cross. “Your gifts of time,

One vacancy, term to expire May ed resources. However, our grant Doan Santa House, National Wild A Benefit Spaghetti Dinner blood or money can help save the

1, 2014. Qualifications: Contact committees work hard to choose Turkey Federation, Northeast Fundraiser for Haley Coleman is day - down the street, across the

the Planning Department. the projects that will make the Michigan Arts Council, Pincon- Sunday, December 11, at John country and around the world.”

Zoning Board of Appeals, Two greatest impact in our communi- ning Area Schools, Pinconning Glenn High School, 3201 Kiesel As a humanitarian organiza-

vacancies, (alternates), terms to ty,” said Eileen Curtis, President Emergency Food Pantry, Resur- Road, Bay City. Serving hours tion led by volunteers, the Red

expire July 1, 2015 and 2016. and CEO of the Bay Area Com- rection of the Lord Church, Sagi- are 12:00 noon to 5pm. Admis- Cross offers relief to victims of

Qualifications: Governed by munity Foundation. “They select naw Basin Land Conservancy, sion is $8 for adults. disaster and helps people prevent,

State Law. those which best meet community Salvation Army of Bay County, Haley is a senior at John Glenn prepare for and respond to emer-

Applications and qualifica- needs, have a long lasting impact Santa’s Cupboard, State Theatre High School, diagnosed with a gencies. As part of that mission,

tions available at the City Clerk’s and reach a large number of area and Studio 23. brain stem tumor in May. She the Red Cross also provides

office, Temporary City Hall, 700 residents.” The Bay Area Community has gone through six weeks of ra- about half the nation’s blood sup-

Fourth Street, Bay City, MI Below is the complete list of Foundation is located in the Pere diation therapy at the University ply through voluntary donations.

48708. By phone, call (989) 894- organizations that recently re- Marquette Depot, 1000 Adams of Michigan and is currently re- Volunteers help by coordinating

8169 or visit online at www.bayc- ceived grants from the Bay Area Street, Suite 200, Bay City. For ceiving chemotherapy treat- and sponsoring blood drives and

itymi.org. Completed applica- Community Foundation: more information, call them at ments. Proceeds from the by giving blood or platelets. Visit

tions should reach the City Clerk Arenac County Historical So- (989) 893-4438 or visit them on- Spaghetti Fundraiser will help the online at www.redcross.org/gifts

by Tuesday, January 3, 2012. ciety, Bangor Township Green line at www.bayfoundation.org. family with medical expenses. or call 1-800-RED CROSS.

Page 2 The Bay City Democrat and The Bay County Legal News Tuesday, November 29, 2011





Beaver Township City of Bay City Charter Township of

——— ——— West Branch Drain Hampton

Bay City BOARD OF REVIEW ZONING BOARD OF Maintenance Project

City Commission ———

MEETING APPEALS Notice to Bidders Synopsis of Regular Meeting

——— ——— PUBLIC NOTICE November 14, 2011

——— Sealed bids for maintenance

Synopsis of Regular Meeting The Beaver Township Board of ———

PLEASE TAKE NOTICE that of the West Branch Drain will

November 21, 2011 Review is scheduled to meet on

the City of Bay City Zoning Board be received at the Bay County The regular meeting of the

——— Tuesday, December 13, 2011 at

of Appeals will conduct a public Drain Commissioner’s office Charter Township of Hampton

The meeting was called to order 1:00 P.M. The Board will meet to located at 515 Center Avenue, Board of Trustees was called to

by Christopher Shannon at 7:32 correct mutual mistakes of fact or hearing on Tuesday, December 13,

2011 beginning at approximately Room 601, Bay City, Michigan order at 4:03 p.m. by the Supervi-

PM. clerical errors, homeowner’s prin- until December 5, 2011 at 9:00 sor.

Deputy City Manager of Ad- cipal residence exemption appeals 7:00 p.m., at the Pere Marquette

Depot, 1000 Adams Street, Bay AM. Proposals will be opened PRESENT: Esterhai, Spegel,

ministrative Services/City Clerk and poverty exemption appeals. and publicly announced imme- Wright, Tacey

administered the Oath of Office to DENNIS VOLK City, Michigan to hear the follow-

ing for variances from city zoning diately thereafter. ABSENT: Hugo, VanDen-

Chris Shannon, Elizabeth Peters, Township Assessor The Drain Commissioner re- Boom, Klass

Lori Dufresne, Christopher Girard 48 & 49 & 50 regulations:

serves the right to reject any or Motion carried to approve min-

and Chad Sibley. Case Number Z11-12 600 all bids and to make the award utes of the 10/24/11 regular meet-

Commissioners Present: Lynn Germania – Jeff Schmidt – in the best interest of the Coun- ing.

Stamiris, Elizabeth Peters, Dennis PUBLICATION OF NOTICE Request for dimensional vari- ty of Bay, Township of Motion carried to receive com-

Banaszak, Lori Dufresne, James State of Michigan, Circuit Court, Bay ances to construct a 38 foot by Frankenlust, and the West munications as presented.

County

Irving, Douglas Sommer, Christo- File No. 11-3619-CZ-IS

48 foot (1,824 square feet) pole Branch Drainage Assessment Motion carried to approve pay-

pher Girard, Chad Sibley, Larry El- MAGLINE, INC.,

barn having 16 foot high side District. Bid documents will be ment of general fund, building

liott, 9. Plaintiff walls and a building height of available on Wednesday, No- fund, road fund & sewer fund war-

Absent: None. v. 18.5 feet on residentially

FREDERICK AND ELIZA BRAZEAU OR vember 30, 2011, at the Bay rants in the amount of

The Mayoral veto of City Man- THEIR HEIRS, DEVISEES, ASSIGNEES zoned property. County Drain Commissioner’s $1,385,436.73.

ager Robert V. Belleman’s contract AND SUCCESSORS-IN-INTEREST; and Mr. Schmidt wishes to con- office located at 515 Center Av- AYES: Esterhai, Tacey, Wright,

ALL OTHER KNOWN OR UNKNOWN

extension was sustained. PERSONS CLAIMING AN INTEREST IN struct a detached 38 foot by 48 enue Ste. 601, Bay City, Michi- Spegel

Commission officers were elect- LAND DESCRIBED AS LOT 13 BRAZEAU foot, 1,824 square foot resi- gan. Persons with disabilities NAYS: None

ed: Larry Elliott, President; Lori SUBDIVISION, CITY OF PINCONNING,

MICHIGAN.

dential accessory building needing ADA assistance call ABSENT: Hugo, VanDen-

Dufresne, Vice President; and Lynn Defendants. with 16 foot high side walls Voice (989) 895-4130, TDD Boom, Klass

Stamiris, Sergeant-at-arms. TAKE NOTICE: and a building height of 18.5 (989) 895-4049.

After opening ceremonies, Rick New Business

You are being sued in Bay County Circuit feet. Section 122-52 of the

Luczak and Sue Girard spoke dur- Court by the Plaintiff, Magline, Inc. The na- city’s zoning regulations limits Motion carried to approve

ing public input. ture of the lawsuit is to quiet title in Magline,

the floor area and dimensions FORECLOSURE NOTICE This firm is a debt

change order #1 with Badger Meter

Inc., to real property described as Lot 13,

The following items were ap- Brazeau Subdivision, City of Pinconning, of such buildings on residen- collector attempting to collect a debt. Any in- increasing the contract by

proved: Michigan. tial property as follows:

formation obtained will be used for this pur- $73,719.52.

Any person claiming an interest in the pose. If you are in the Military, please contact

• City Commission meeting our office at the number listed below. MORT-

AYES: Wright, Tacey, Esterhai,

above-described property must answer the Maximum dimensions - 24 GAGE SALE – Default has been made in the Spegel

minutes of October 3 and 17, Complaint or take other action permitted by

law or court rule within 4 months after the first

feet by 36 feet (864 square conditions of a certain mortgage made by: NAYS: None

2011 date of publication of the Notice. Failure to feet) Glen C. Hartley and Julie A Hartley, Husband

and Wife to Standard Federal Bank, N.A, ABSENT: Hugo, VanDen-

• Resolution approving the answer or take other action will result in a

judgment in favor of Plaintiff. Maximum wall height – 10 Mortgagee, dated May 24, 2004 and recorded Boom, Klass

First Amendment to the Dated: November 22, 2011 feet June 3, 2004 in Liber 2217 Page 758 Bay Motion carried to approve

Brownfield Redevelopment KRISTI L. KOZUBAL (P69955) County Records, Michigan on which mort-

Attorney for Plaintiff Maximum building height – gage there is claimed to be due at the date change order #1 with National

Plan for Mersen USA BN hereof the sum of One Hundred Fourteen Field Services decreasing the con-

Learman Kozubal, PLC 14 feet, measured between

Corporation/Harrison Street 800 Washington Ave., Suite 107 Thousand Six Hundred Ninety-Eight Dollars

tract by $33,221.75.

Bay City, Mi 48708

grade and the point half-way and Fifty-Seven Cents ($114,698.57) includ-

Project AYES: Esterhai, Tacey, Wright,

989-895-9300 47 & 48 & 49 between the building’s eaves ing interest 5.25% per annum. Under the

• Accounts and Claims in the power of sale contained in said mortgage and Spegel

and the peak of its roof. the statute in such case made and provided,

amounts of $337,300.18 notice is hereby given that said mortgage will NAYS: None

Information provided by the ap-

(11/14/11), and $474,103.78 Notice Of Mortgage Foreclosure Sale THIS be foreclosed by a sale of the mortgaged ABSENT: Klass, Hugo, Van-

plicant and a planning department premises, or some part of them, at public ven-

(11/21/11) FIRM IS A DEBT COLLECTOR ATTEMPT- DenBoom

ING TO COLLECT A DEBT. ANY INFORMA- staff report regarding the above-de- due, Circuit Court of Bay County at 11:00AM

• Payroll in the amount of on December 9, 2011 Said premises are situ- Motion carried to approve early

TION WE OBTAIN WILL BE USED FOR scribed request will be available

$815,445.84 (11/16/11) THAT PURPOSE. PLEASE CONTACT OUR ated in City of Bay City, Bay County, Michi- partial payment to auditing firm of

OFFICE AT THE NUMBER BELOW IF YOU

for public inspection between 8:00 gan, and are described as: A Parcel of Land in

$12,000.00 for work preparing for

• Ratification of Contract ARE IN ACTIVE MILITARY DUTY. ATTN a.m. and 5:00 p.m., Monday the Northeast one-quarter of the Northeast

PURCHASERS: This sale may be rescinded one-quarter of Section 16, Town 14 North, the 2011 audit.

Change order No. 1 with through Friday, at the offices of the Range 5 West, described as: beginning 33

by the foreclosing mortgagee. In that event, AYES: Esterhai, Spegel, Tacey,

Fairmont Sign Company, your damages, if any, shall be limited solely to city’s Planning Department, 1209 feet West and 479 feet North of the Southeast

corner of said Northeast one-quarter of the Wright

Detroit, MI, for the exterior the return of the bid amount tendered at sale, Smith Street, Bay City, MI, begin-

plus interest. MORTGAGE SALE - Default Northeast one-quarter; Running thence NAYS: None

wayfinding sign fabrication ning on Tuesday, November 29, Southwesterly 340 feet to the Southeast cor-

has been made in the conditions of a mort- ABSENT: VanDenBoom,

and installation for the Eco- gage made by James H Chesney, single man, 2009. You are entitled to inspect ner of Lot 18 of the Johnstone Addition to

West Bay City, as per Plat Recorded in Liber Hugo, Klass

nomic Development Depart- original mortgagor(s), to Mortgage Electronic all information relating to and ex-

Registration Systems, Inc., Mortgagee, dated 3 of Plats at Page 24 of Bay County Records; Motion carried to approve sub-

ment in the increased amount May 8, 2006, and recorded on June 28, 2006

press your opinions about the ap- thence North along the East Line of said Lot

mittal of invoices totaling

of $7,593 in Liber 2451 on Page 105, and assigned by plicant’s request by attending the 18, 164.54 feet; thence East 334.88 feet;

said Mortgagee to THE BANK OF NEW more or less to the West Line of Patterson Av- $17,242.73 to USDA for the sewer

• Budget amendments in the public hearing, by U.S. mail to the enue; thence South along the West Line of

YORK MELLON FKA THE BANK OF NEW project.

amount of $1,307,223 and YORK,AS TRUSTEE FOR THE CERTIFI- city’s Planning Department at the Patterson Avenue 85 feet to the point of be-

ginning, except that part lying Westerly of the AYES: Esterhai, Tacey, Wright,

budget transfers in the CATEHOLDERS OF THE CWABS INC., address indicated below, by email

ASSET-BACKED CERTIFICATES, SERIES East Line of Loessel Court Subdivision, if ex- Spegel

amount of $80,668, for vari- to smckillop@baycitymi.org, or by tended North. Commonly known as 809 Pat-

2006-10 as assignee as documented by an NAYS: None

ous funds for Fiscal Year assignment, in Bay county records, Michigan, phone at (989) 894-8176 before terson Ave, Bay City MI 48706 The redemp-

tion period shall be 6 months from the date of ABSENT: VanDenBoom,

2011/2012 on which mortgage there is claimed to be due 4:00 p.m. on December 13, 2011

at the date hereof the sum of Eighty-Nine such sale, unless determined abandoned in Klass, Hugo

Thousand Six Hundred Seventy and 31/100

The City of Bay City will pro- accordance with MCL 600.3241 or MCL

• Resolution approving the vide necessary and reasonable aux- 600.3241a, in which case the redemption pe- Standing Committee Reports

Dollars ($89,670.31), including interest at

waiver of sewer charges for 7.875% per annum. Under the power of sale iliary aids and services such as riod shall be 30 days from the date of such

sale, or upon the expiration of the notice re- Motion carried that the Planning

VanBuren Street Theater, contained in said mortgage and the statute in

signers for the hearing impaired

such case made and provided, notice is here- quired by MCL 600.3241a(c), whichever is Commission minutes of 10/13/11

LLC, 701 VanBuren Street and audio tapes of printed materi- later. Dated: 11/08/2011 Bank of America,

by given that said mortgage will be foreclosed

N.A. as successor by merger to LaSalle Bank

be received.

• Resolution adopting the by a sale of the mortgaged premises, or some als being considered at the meeting

part of them, at public vendue, at the place of Midwest, N.A. fka Standard Federal Bank, Meeting adjourned at 4:22 p.m.

Columbus Avenue Manage- holding the circuit court within Bay County, at to individuals with disabilities at N.A Mortgagee Attorneys: Potestivo & Associ- Respectfully submitted:

ment Board 2012-2016 plan 11:00 AM, on December 9, 2011. Said prem- the meeting/hearing upon 10 days ates, P.C. 811 South Blvd. Suite 100

Rochester Hills, MI 48307 (248) 844-5123

PAMELA J. WRIGHT,

and directing the City Asses- ises are situated in Charter Township of

Portsmouth, Bay County, Michigan, and are

notice to the city. Individuals with Our File No: 11-45148 45 & 46 & 47 & 48 Clerk

sor to prepare a certified spe- described as: The Westerly 300 feet of a par- disabilities requiring auxiliary aids Approved by:

cial assessment roll cel of land in Section 3, Town 13 North, or services should contact the City TERRENCE J. SPEGEL, SR.,

Range 5 East, described as follows, to wit:

• Resolution approving the Beginning at a point 912.03 feet North of the of Bay City in writing at City SCHNEIDERMAN & SHERMAN, P.C., IS AT- Supervisor

Southwest corner of said Section 3; thence Clerk, City of Bay City, 301 Wash- TEMPTING TO COLLECT A DEBT, ANY IN-

Brownfield Redevelopment FORMATION WE OBTAIN WILL BE USED

North 83.27 feet; thence East 488.72 feet; ington, 48708, or by calling the

Plan for Historic Arlington thence Southeasterly 83.99 feet to a point FOR THAT PURPOSE. PLEASE CONTACT

Hotel, LLC, located at 201 S. which is 492.46 feet East of the place of be- City Clerk at (989) 894-8170. OUR OFFICE AT (248)539-7400 IF YOU ARE FORECLOSURE NOTICE This firm is a debt

ginning, thence West to the point of begin- IN ACTIVE MILITARY DUTY. MORTGAGE collector attempting to collect a debt. Any in-

Linn Street SALE – Default has been made in the condi- formation obtained will be used for this pur-

ning, subject to right of way for Lincoln Road

• Resolution approving the over the Westerly side thereof. The redemp- tions of a mortgage made by THOMAS J. pose. If you are in the Military, please contact

tion period shall be 6 months from the date of Notice Of Mortgage Foreclosure Sale THIS HINE and STACEY L. HINE, HUSBAND AND our office at the number listed below. MORT-

Second Amendment to the such sale, unless determined abandoned in FIRM IS A DEBT COLLECTOR ATTEMPT- WIFE, to Mortgage Electronic Registration GAGE SALE – Default has been made in the

Brownfield Redevelopment accordance with MCLA 600.3241a, in which ING TO COLLECT A DEBT. ANY INFORMA- Systems, Inc. (“MERS”), solely as nominee conditions of a certain mortgage made by:

case the redemption period shall be 30 days TION WE OBTAIN WILL BE USED FOR for lender and lender’s successors and as- Craig Richard Zirwes and Melissa Marie Zir-

Plan for Uptown at Ri- THAT PURPOSE. PLEASE CONTACT OUR signs, Mortgagee, dated June 1, 2005, and wes, Husband and Wife to Mortgage Elec-

from the date of such sale. Dated: November

versEdge Build-Out Project 8, 2011 For more information, please call: FC OFFICE AT THE NUMBER BELOW IF YOU recorded on June 8, 2005, in Liber 2334, on tronic Registration Systems, Inc as nominee

X (248) 593-1302 Trott & Trott, P.C. Attorneys ARE IN ACTIVE MILITARY DUTY. ATTN Page 16, and assigned by said mortgagee to for The lending Factory, Mortgagee, dated

Minutes of the Police & Fire PURCHASERS: This sale may be rescinded Deutsche Bank National Trust Company, as March 28, 2009 and recorded April 6, 2009 in

For Servicer 31440 Northwestern Highway,

Retirement Board of Trustees Suite 200 Farmington Hills, Michigan 48334- by the foreclosing mortgagee. In that event, Trustee for Meritage Mortgage Loan Trust Liber 2668 Page 245 Bay County Records,

(8/9/11), were received. 2525 File #222845F02 45 & 46 & 47 & 48 your damages, if any, shall be limited solely to 2005-2, as assigned,Bay County Records, Michigan Said mortgage was assigned to:

the return of the bid amount tendered at sale, Michigan, on which mortgage there is claimed CitiMortgage,Inc., by assignment dated Sep-

The Ordinance amendment to plus interest. MORTGAGE SALE - Default to be due at the date hereof the sum of Sixty- tember 14, 2011 and recorded October 11,

Chapter 64, Historic Preservation has been made in the conditions of a mort- Seven Thousand Eight Hundred Ninety-Three 2011 in Liber 2829, Page 558, on which mort-

Notice Of Mortgage Foreclosure Sale gage made by Jay Leisentritt, an Unmarried Dollars and Sixty-One Cents ($67,893.61), in- gage there is claimed to be due at the date

Districts, Section 64-23, establish- Man, original mortgagor(s), to Option One cluding interest at 6.755% per annum. Under hereof the sum of One Hundred Thirteen

THIS FIRM IS A DEBT COLLECTOR AT-

ing new historic district boundaries TEMPTING TO COLLECT A DEBT. ANY IN- Mortgage Corporation, a California Corpora- the power of sale contained in said mortgage Thousand Nine Hundred One Dollars and

was received for first reading and FORMATION WE OBTAIN WILL BE USED tion, Mortgagee, dated June 30, 2005, and and the statute in such case made and pro- Thirty-Four Cents ($113,901.34) including in-

FOR THAT PURPOSE. PLEASE CONTACT recorded on July 8, 2005 in Liber 2344 on vided, notice is hereby given that said mort- terest 5% per annum. Under the power of sale

referred to the next meeting for Page 471, and assigned by said Mortgagee to gage will be foreclosed by a sale of the mort- contained in said mortgage and the statute in

OUR OFFICE AT THE NUMBER BELOW IF

second reading and final adoption. YOU ARE IN ACTIVE MILITARY DUTY. Wells Fargo Bank, National Association as gaged premises, or some part of them, at such case made and provided, notice is here-

The meeting adjourned at 8:34 ATTN PURCHASERS: This sale may be re- Trustee for Securitized Asset Backed Receiv- public venue, the main entrance, #4, to the by given that said mortgage will be foreclosed

scinded by the foreclosing mortgagee. In that ables LLC 2006-OP1 Mortgage Pass- Bay County Court Facility, 1230 Washington by a sale of the mortgaged premises, or some

PM. event, your damages, if any, shall be limited Through Certificates, Series 2006-OP1 as as- Ave., that being the place of holding the Cir- part of them, at public vendue, Circuit Court of

CHRISTOPHER SHANNON, solely to the return of the bid amount tendered signee as documented by an assignment, in cuit Court for Bay County, MI at 11:00 AM o’- Bay County at 11:00AM on December 9, 2011

at sale, plus interest. MORTGAGE SALE - Bay county records, Michigan, on which mort- clock, on December 9, 2011 Said premises Said premises are situated in Township of

Mayor gage there is claimed to be due at the date are located in Bay County, Michigan and are Beaver, Bay County, Michigan, and are de-

Default has been made in the conditions of a

DANA L. MUSCOTT, mortgage made by Bradley A Peter a married hereof the sum of One Hundred Seventeen described as: THE SOUTH 1 / 2 OF LOT 8 scribed as: A parcel of land situated in the

Deputy City Manager of man and Jennifer K Peter his wife, by Bradley Thousand Six Hundred Twenty-Nine and AND ALL OF LOT 7, BLOCK 15, JOHN S. Southwest one quarter of the Southwest one

A Peter her attorney in fact, original mort- 02/100 Dollars ($117,629.02), including inter- WILSON’S ADDITION TO BAY CITY, BAY quarter of section 22, Town 15 North, Range

Administrative Services/ est at 2% per annum. Under the power of sale COUNTY, MICHIGAN, AS PER PLAT 3 East, described as: beginning at a point on

gagor(s), to Mortgage Electronic Registration

City Clerk Systems, Inc., Mortgagee, dated September contained in said mortgage and the statute in THEREOF RECORDED IN LIBER 1 OF the South line of section 22, that is North 89

15, 2005, and recorded on September 19, such case made and provided, notice is here- PLATS, PAGE 18 OF BAY COUNTY degrees 51 minutes 22 seconds West,

2005 in Liber 2368 on Page 391, and as- by given that said mortgage will be foreclosed RECORDS. The redemption period shall be 6 1307.78 feet from the South one quarter cor-

signed by said Mortgagee to Wells Fargo by a sale of the mortgaged premises, or some months from the date of such sale unless de- ner, said point being the West one-eighth cor-

NOTICE OF BORROWER’S RIGHTS THIS Bank, NA as assignee as documented by an part of them, at public vendue, at the place of termined abandoned in accordance with ner; thence North 89 degrees 51 minutes 22

NOTICE CONCERNS Richard P Harley and assignment, in Bay county records, Michigan, holding the circuit court within Bay County, at 1948CL 600.3241a, in which case the re- seconds West, 328.00 Feet along the South

Margaret A Harley (“BORROWER”) RE- on which mortgage there is claimed to be due 11:00 AM, on December 9, 2011. Said prem- demption period shall be 30 days from the section line; thence North 00 degrees 08 min-

GARDING PROPERTY LOCATED AT 215 at the date hereof the sum of One Hundred ises are situated in Charter Township of date of such sale. Deutsche Bank National utes 35 seconds East 330.00 Feet, parallel

Burns Street Essexville MI 48732 . THE BOR- Forty-One Thousand Seven Hundred Seven- Williams, Bay County, Michigan, and are de- Trust Company, as Trustee for Meritage Mort- with the West one eighth line; thence North 89

ROWER HAS THE RIGHT TO REQUEST A ty-Five and 42/100 Dollars ($141,775.42), in- scribed as: One Acre in Square form in the gage Loan Trust 2005-2 Mortgagee/Assignee degrees 51 minutes 22 seconds East, 328.00

MEETING WITH INDEPENDENT BANK AND cluding interest at 6.375% per annum. Under Southeast corner of the Northeast 1/4 of the Schneiderman & Sherman, P.C. 23938 Re- Feet, parallel with the South section line to the

SHOULD CONTACT Keturia T. AT 616-447- the power of sale contained in said mortgage Southeast 1/4 of Section 1, Town 14 North, search Drive, Suite 300 Farmington Hills, MI West one eighth line thence South 00 de-

8634 TO SCHEDULE A MEETING IF DE- and the statute in such case made and pro- Range 3 East. The redemption period shall be 48335 SXSS.000225 CONV grees 08 minutes 35 seconds West, 330.00

SIRED. THIS PERSON HAS THE AUTHORI- vided, notice is hereby given that said mort- 6 months from the date of such sale, unless 45 & 46 & 47 & 48 Feet along the West one eighth line to the

TY TO MAKE AGREEMENTS UNDER MCL gage will be foreclosed by a sale of the mort- determined abandoned in accordance with point of beginning Commonly known as 1392

600.3205b AND MCL 600.3205c. THE BOR- gaged premises, or some part of them, at MCLA 600.3241a, in which case the redemp- Seidler Rd, Auburn MI 48611 The redemption

ROWER MAY CONTACT A HOUSING public vendue, at the place of holding the cir- tion period shall be 30 days from the date of period shall be 6 months from the date of

COUNSELOR BY VISITING THE MSHDA WEB- cuit court within Bay County, at 11:00 AM, on such sale. Dated: November 8, 2011 For such sale, unless determined abandoned in

SITE (www.mshda.info/counseling_search/) December 9, 2011. Said premises are situat- more information, please call: FC J (248) 593- accordance with MCL 600.3241 or MCL

OR BY CALLING THE MSHDA (1-866-946- ed in Charter Township of Monitor, Bay Coun- 1311 Trott & Trott, P.C. Attorneys For Servicer 600.3241a, in which case the redemption pe-

7432). IF THE BORROWER REQUESTS A ty, Michigan, and are described as: Lot 17, 31440 Northwestern Highway, Suite 200 riod shall be 30 days from the date of such

MEETING WITH THE PERSON DESIGNAT- Mutual Savings Country Estates, as per plat Farmington Hills, Michigan 48334-2525 sale, or upon the expiration of the notice re-

ED ABOVE WITHIN THE STATUTORY PERI- thereof recorded in Liber 8 of Plats, Page 23 File #301310F02 45 & 46 & 47 & 48 quired by MCL 600.3241a(c), whichever is

OD, FORECLOSURE PROCEEDINGS WILL of Bay County Records The redemption peri- later. Dated: 11/08/2011 CitiMortgage,Inc.,

NOT BE COMMENCED UNTIL 90 DAYS od shall be 6 months from the date of such Assignee of Mortgagee Attorneys: Potestivo &

AFTER THE DATE THAT NOTICE WAS sale, unless determined abandoned in accor- Associates, P.C. 811 South Blvd. Suite 100

MAILED TO THE BORROWER. IF THE BOR- dance with MCLA 600.3241a, in which case Rochester Hills, MI 48307 (248) 844-5123

ROWER AND THE PERSON DESIGNATED the redemption period shall be 30 days from Our File No: 11-47999 45 & 46 & 47 & 48

ABOVE REACH AN AGREEMENT TO MOD- the date of such sale. Dated: November 8,

IFY THE BORROWER’S MORTGAGE 2011 For more information, please call:

LOAN, THE MORTGAGE WILL NOT BE FC D (248) 593-1309 Trott & Trott, P.C.

FORECLOSED IF THE BORROWER Attorneys For Servicer 31440 Northwestern

ABIDES BY THE TERMS OF THE AGREE- Highway, Suite 200 Farmington Hills, Michi-

MENT. THE BORROWER HAS THE RIGHT gan 48334-2525 File #376040F01

TO CONTACT AN ATTORNEY. THE MICHI- 45 & 46 & 47 & 48

GAN STATE BAR ASSOCIATION LAWYER

REFERRAL SERVICE TELEPHONE NUM-

BER IS 1-800-968-0738. 48

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Page 3 The Bay City Democrat and The Bay County Legal News Tuesday, November 29, 2011





NOTICE OF MORTGAGE FORECLOSURE Notice Of Mortgage Foreclosure Sale THIS SCHNEIDERMAN & SHERMAN, P.C., IS AT- THIS FIRM IS A DEBT COLLECTOR AT- FORECLOSURE NOTICE This firm is a debt

SALE JOHN J. McQUILLAN P.L.C. IS AT- FIRM IS A DEBT COLLECTOR ATTEMPT- TEMPTING TO COLLECT A DEBT, ANY IN- TEMPTING TO COLLECT A DEBT. ANY IN- collector attempting to collect a debt. Any in-

TEMPTING TO COLLECT A DEBT AND ING TO COLLECT A DEBT. ANY INFORMA- FORMATION WE OBTAIN WILL BE USED FORMATION WE OBTAIN WILL BE USED formation obtained will be used for this pur-

ANY INFORMATION OBTAINED WILL BE TION WE OBTAIN WILL BE USED FOR FOR THAT PURPOSE. PLEASE CONTACT FOR THAT PURPOSE. PLEASE CONTACT pose. If you are in the Military, please contact

USED FOR THAT PURPOSE. The mortgage THAT PURPOSE. PLEASE CONTACT OUR OUR OFFICE AT (248)539-7400 IF YOU ARE OUR OFFICE AT THE NUMBER BELOW IF our office at the number listed below. MORT-

described below is in default: Mortgage made OFFICE AT THE NUMBER BELOW IF YOU IN ACTIVE MILITARY DUTY. MORTGAGE YOU ARE IN ACTIVE MILITARY DUTY OR IF GAGE SALE – Default has been made in the

by Jack E. Blossey and Ilene M. Blossey, ARE IN ACTIVE MILITARY DUTY. ATTN SALE – Default has been made in the condi- YOU ARE IN BANKRUPTCY. MORTGAGE conditions of a certain mortgage made by:

his wife, of 1688 E. Erickson Road, Pincon- PURCHASERS: This sale may be rescinded tions of a mortgage made by BRYAN NEAL SALE - Default has been made in the condi- Stephen Bogart, a Married Man to Union Fed-

ning, Michigan 48650, as mortgagors, to by the foreclosing mortgagee. In that event, TOBER, UNMARRIED MAN and JAMIE tions of a mortgage made by Carrel M. Hard- eral Bank of Indianapolis, Mortgagee, dated

DBSV Investments, Inc., a Michigan corpo- your damages, if any, shall be limited solely to LYNN PRICE, UNMARRIED WOMAN, to ing and Sandra K. Harding, husband and November 16, 2004 and recorded December

ration, of 101 Jennison Place, Bay City, Michi- the return of the bid amount tendered at sale, Mortgage Electronic Registration Systems, wife, to Mortgage Electronic Registration Sys- 10, 2004 in Liber 2280 Page 266 Bay County

gan 48708, as mortgagee, dated August 24, plus interest. MORTGAGE SALE - Default Inc. (“MERS”), solely as nominee for lender tems, Inc., Mortgagee, dated April 6, 2004 Records, Michigan. Said mortgage was as-

2004, and recorded in the office of the Bay has been made in the conditions of a mort- and lender’s successors and assigns, Mort- and recorded April 13, 2004 in Liber 2195, signed through mesne assignments to: Citi-

County Register of Deeds on August 24, gage made by Scott E. Kladder and Rene K. gagee, dated March 23, 2006, and recorded Page 637, Bay County Records, Michigan. Mortgage, Inc., by assignment dated Decem-

2004, in Liber 2245 at Pages 723-728 of Bay Kladder, husband and wife, original mort- on March 31, 2006, in Liber 2424, on Page Said mortgage is now held by The Bank of ber 28, 2010 and recorded January 10, 2011

County Records. The balance owing on the gagor(s), to Mortgage Electronic Registra- 547, and assigned by said mortgagee to JP- New York Mellon Trust Company, National As- in Liber 2781, Page 43, on which mortgage

mortgage at the time of this notice is Fifty- tions Systems, Inc., as nominee for Polaris Morgan Chase Bank, National Association, as sociation fka The Bank of New York Trust there is claimed to be due at the date hereof

nine Thousand Two Hundred Nineteen and Home Funding Corp its successors and as- assigned,Bay County Records, Michigan, on Company, N.A. as successor to JPMorgan the sum of Eighty-Two Thousand Two Hun-

71/100 ($59,219.71) Dollars. The mortgage signs., Mortgagee, dated May 13, 2009, and which mortgage there is claimed to be due at Chase Bank N.A. as Trustee for RASC dred Ninety-Five Dollars and Sixty-One Cents

contains a power of sale, and no suit or pro- recorded on May 27, 2009 in Liber 2678 on the date hereof the sum of Eighty-Seven 2004KS5 by assignment. There is claimed to ($82,295.61) including interest 6.5% per

ceedings at law or in equity have been insti- Page 880, and assigned by said Mortgagee to Thousand Five Hundred Sixty-Three Dollars be due at the date hereof the sum of Sixty- annum. Under the power of sale contained in

tuted to recover the debt secured by the mort- JPMorgan Chase Bank, National Association and Seventy-Two Cents ($87,563.72), includ- Three Thousand Six Hundred Forty-Six and said mortgage and the statute in such case

gage or any part thereof. NOW THEREFORE, as assignee as documented by an assign- ing interest at 6.375% per annum. Under the 10/100 Dollars ($63,646.10) including interest made and provided, notice is hereby given

take notice that the mortgage will be fore- ment, in Bay county records, Michigan, on power of sale contained in said mortgage and at 3.875% per annum. Under the power of that said mortgage will be foreclosed by a

closed by sale of the property described in the which mortgage there is claimed to be due at the statute in such case made and provided, sale contained in said mortgage and the sale of the mortgaged premises, or some part

mortgage at public auction on Friday, De- the date hereof the sum of Fifty-Seven Thou- notice is hereby given that said mortgage will statute in such case made and provided, no- of them, at public vendue, Circuit Court of Bay

cember 16, 2011, at 11:00 a.m., at main en- sand Seven Hundred Ninety-Three and be foreclosed by a sale of the mortgaged tice is hereby given that said mortgage will be County at 11:00AM on December 16, 2011

trance #4 of the Bay County Court Facility, 59/100 Dollars ($57,793.59), including inter- premises, or some part of them, at public foreclosed by a sale of the mortgaged prem- Said premises are situated in Bay City, Bay

1230 Washington Avenue, Bay City, Michigan est at 5.25% per annum. Under the power of venue, the main entrance, #4, to the Bay ises, or some part of them, at public vendue County, Michigan, and are described as: A

(that being the building where the Bay Coun- sale contained in said mortgage and the County Court Facility, 1230 Washington Ave., at the Main Entrance #4, to the Bay County parcel of land in the Southwest one-quarter of

ty Circuit Court is held). The mortgagee will statute in such case made and provided, no- that being the place of holding the Circuit Court Facility, 1230 Washington Avenue, Bay the Southeast one-quarter of Section 25,

apply the sale proceeds to the debt on the tice is hereby given that said mortgage will be Court for Bay County, MI at 11:00 AM o’clock, City, MI in Bay County, Michigan at 11:00 a.m. Town 14 North, Range 4 East described as

mortgage, as stated above, plus interest foreclosed by a sale of the mortgaged prem- on December 16, 2011 Said premises are lo- on DECEMBER 16, 2011. Said premises are follows: Commencing at a point 200 feet

charges at the rate of 11% and expenses, in- ises, or some part of them, at public vendue, cated in Bay County, Michigan and are de- located in the City of Bay City, Bay County, South of the Northwest corner of the South-

cluding the attorney fees allowed by law or at the place of holding the circuit court within scribed as: A PARCEL OF LAND 50 FEET Michigan, and are described as: Lot 10, Block west one-quarter of the Southeast one-quar-

contract, and also any amount which may be Bay County, at 11:00 AM, on December 16, NORTH AND SOUTH BY 75 FEET EAST 13, Tromble’s Division of Bangor, Michigan, ter of said Section 25; running thence East

paid by the mortgagee to protect its interest in 2011. Said premises are situated in Township AND WEST AND BOUNDED ON THE as per Plat recorded in Liber 1 of Plats at 200 feet; thence South 100 feet; thence West

the property. The property to be sold at fore- of Kawkawlin, Bay County, Michigan, and are NORTH BY OHIO STREET, AND ON THE Page 80 of Bay County Records. The re- 200 feet; thence North 100 feet to the place of

closure is described as follows: All that cer- described as: Lot 13, Block 18, First Addition EAST BY CHILSON STREET, BEING A PART demption period shall be 6 months from the beginning. Also described for tax purposes

tain piece or parcel of land situated in Fraser to the Village of Linwood, according to the OF THE SOUTHEAST 1 / 4 OF THE NORTH- date of such sale, unless determined aban- as: The South 100 feet of the West 200 feet of

Township, Bay County, Michigan, and de- recorded plat thereof, as recorded in Liber 3 WEST 1 / 4 OF SECTION 20, TOWN 14 doned in accordance with MCLA §600.3241a, the North 300 feet of the Southwest one-quar-

scribed as follows, to-wit: A parcel of land sit- of Plats, Page 12. The redemption period NORTH, RANGE 5 EAST. The redemption in which case the redemption period shall be ter of the Southeast one-quarter of Section

uated in the Northeast 1/4 of the Northwest shall be 6 months from the date of such sale, period shall be 6 months from the date of 30 days from the date of such sale. TO ALL 25, Town 14 North, Range 4 East. Commonly

1/4 of Section 15, Town 16 North, Range 4 unless determined abandoned in accordance such sale unless determined abandoned in PURCHASERS: The foreclosing mortgagee known as 5399 Baxman Rd, Bay MI 48706

East, described as: Beginning at a point on with MCLA 600.3241a, in which case the re- accordance with 1948CL 600.3241a, in which can rescind the sale. In that event, your dam- The redemption period shall be 6 months

the North line of Section 15 that is North demption period shall be 30 days from the case the redemption period shall be 30 days ages, if any, are limited solely to the return of from the date of such sale, unless determined

89°57’05” West, 100.00 feet from the North date of such sale. Dated: November 15, 2011 from the date of such sale. JPMorgan Chase the bid amount tendered at sale, plus interest. abandoned in accordance with MCL

1/4 corner; thence South 00°02’55” West, For more information, please call: FC S (248) Bank, National Association Mortgagee/As- If you are a tenant in the property, please con- 600.3241 or MCL 600.3241a, in which case

250.00 feet perpendicular to the North section 593-1304 Trott & Trott, P.C. Attorneys For signee Schneiderman & Sherman, P.C. tact our office as you may have certain rights. the redemption period shall be 30 days from

line; thence North 89°57’05” West, 250.00 Servicer 31440 Northwestern Highway, Suite 23938 Research Drive, Suite 300 Farmington Dated: November 15, 2011 Orlans Associ- the date of such sale, or upon the expiration

feet parallel with the North section line; 200 Farmington Hills, Michigan 48334-2525 Hills, MI 48335 JPMC.000066 FHA ates, P.C. Attorneys for Servicer P.O. Box of the notice required by MCL 600.3241a(c),

thence South 00°55’44” West, 1055.10 feet File #342951F01 (11-15)(12-06) 46 & 47 & 48 & 49 5041 Troy, MI 48007-5041 2683 File No. whichever is later. Dated: 11/15/2011 Citi-

parallel with the North-South 1/4 line to the 46 & 47 & 48 & 49 703.0277 (11-15)(12-06) 46 & 47 & 48 & 49 Mortgage, Inc. Assignee of Mortgagee Attor-

North 1/8 line; thence North 89°58’29” West, neys: Potestivo & Associates, P.C. 811 South

946.40 feet along the North 1/8 line to the Blvd. Suite 100 Rochester Hills, MI 48307

West 1/8 line; thence North 00°40’16” East, THIS FIRM IS A DEBT COLLECTOR AT- (248) 844-5123 Our File No: 11-49633

605.39 feet along the West 1/8 line; thence Notice Of Mortgage Foreclosure Sale THIS TEMPTING TO COLLECT A DEBT. ANY IN- SCHNEIDERMAN & SHERMAN, P.C., IS AT- 46 & 47 & 48 & 49

South 89°57’05” East, 600.04 feet parallel FIRM IS A DEBT COLLECTOR ATTEMPT- FORMATION WE OBTAIN WILL BE USED TEMPTING TO COLLECT A DEBT, ANY IN-

with the North section line; thence North ING TO COLLECT A DEBT. ANY INFORMA- FOR THAT PURPOSE. PLEASE CONTACT FORMATION WE OBTAIN WILL BE USED

00°40’16” East, 700.04 feet parallel with the TION WE OBTAIN WILL BE USED FOR OUR OFFICE AT THE NUMBER BELOW IF FOR THAT PURPOSE. PLEASE CONTACT

West 1/8 line to the North section line; thence THAT PURPOSE. PLEASE CONTACT OUR YOU ARE IN ACTIVE MILITARY DUTY OR IF OUR OFFICE AT (248)539-7400 IF YOU ARE Notice Of Mortgage Foreclosure Sale THIS

South 89°57’05” East, 598.40 feet along the OFFICE AT THE NUMBER BELOW IF YOU YOU ARE IN BANKRUPTCY. MORTGAGE IN ACTIVE MILITARY DUTY. MORTGAGE FIRM IS A DEBT COLLECTOR ATTEMPT-

North section line to the point of beginning, ARE IN ACTIVE MILITARY DUTY. ATTN SALE - Default has been made in the condi- SALE – Default has been made in the condi- ING TO COLLECT A DEBT. ANY INFORMA-

Property Tax Code No. 040-015-100-030-05. PURCHASERS: This sale may be rescinded tions of a mortgage made by Pamela A. tions of a mortgage made by SHELLY A. TION WE OBTAIN WILL BE USED FOR

Commonly known as 1688 E. Erickson Road, by the foreclosing mortgagee. In that event, Bermudez, an unmarried woman, to Mort- LEONARD, A SINGLE WOMAN, to Mortgage THAT PURPOSE. PLEASE CONTACT OUR

Pinconning, MI 48650. The redemption period your damages, if any, shall be limited solely to gage Electronic Registration Systems, Inc., Electronic Registration Systems, Inc. OFFICE AT THE NUMBER BELOW IF YOU

shall be 12 months from the date of sale pur- the return of the bid amount tendered at sale, as nominee for Homecomings Financial Net- (“MERS”), solely as nominee for lender and ARE IN ACTIVE MILITARY DUTY. ATTN

suant to M.C.L.A. §600.3240(12), unless the plus interest. MORTGAGE SALE - Default work, Inc , its successors or assigns, Mort- lender’s successors and assigns, Mortgagee, PURCHASERS: This sale may be rescinded

premises are deemed abandoned pursuant to has been made in the conditions of a mort- gagee, dated April 14, 2006 and recorded dated November 3, 2006, and recorded on by the foreclosing mortgagee. In that event,

M.C.L. §600.3241a, in which case the re- gage made by Jeremy P Mulders, a single April 20, 2006 in Liber 2430, Page 343, Bay November 14, 2006, in Liber 2487, on Page your damages, if any, shall be limited solely to

demption period shall be 30 days from the man, original mortgagor(s), to Chemical Bank County Records, Michigan. Said mortgage is 675, and assigned by said mortgagee to the return of the bid amount tendered at sale,

date of sale or until the time to provide the no- and Trust Company, Mortgagee, dated Octo- now held by GMAC Mortgage, LLC by assign- GMAC Mortgage, LLC, as assigned,Bay plus interest. MORTGAGE SALE - Default

tice required under M.C.L.A. §600.3241a(c) ber 2, 2002, and recorded on October 9, 2002 ment. There is claimed to be due at the date County Records, Michigan, on which mort- has been made in the conditions of a mort-

expires, whichever is later, pursuant to M.C.L. in Liber 1940 on Page 614, in Bay county hereof the sum of One Hundred Eighteen gage there is claimed to be due at the date gage made by Paul Szelogowski, a married

§600.3240(11). DATED: November 10, 2011 records, Michigan, on which mortgage there Thousand Two Hundred Fifty-Seven and hereof the sum of Sixty-One Thousand Six man and Annette Szelogowski, his wife, origi-

DBSV INVESTMENTS, INC., Mortgagee 101 is claimed to be due at the date hereof the 85/100 Dollars ($118,257.85) including inter- Hundred Forty-Six Dollars and Eleven Cents nal mortgagor(s), to Mortgage Electronic Reg-

Jennison Place Bay City, MI 48708 Drafted sum of Forty-Two Thousand Six Hundred est at 6.25% per annum. Under the power of ($61,646.11), including interest at 6.750% per istration Systems, Inc., as nominee for lender

by: John J. McQuillan JOHN J. McQUILLAN Fifty-Six and 24/100 Dollars ($42,656.24), in- sale contained in said mortgage and the annum. Under the power of sale contained in and lender’s successors and/or assigns,

P.L.C. Attorney at Law 708 Center Avenue, cluding interest at 5.875% per annum. Under statute in such case made and provided, no- said mortgage and the statute in such case Mortgagee, dated November 14, 2007, and

Ste. 3 Bay City, Michigan 48708-5975 Tele- the power of sale contained in said mortgage tice is hereby given that said mortgage will be made and provided, notice is hereby given recorded on November 20, 2007 in Liber

phone: (989) 894-2125 and the statute in such case made and pro- foreclosed by a sale of the mortgaged prem- that said mortgage will be foreclosed by a 2575 on Page 172, and assigned by said

46 & 47 & 48 & 49 & 50 vided, notice is hereby given that said mort- ises, or some part of them, at public vendue sale of the mortgaged premises, or some part Mortgagee to Fannie Mae, a corporation or-

gage will be foreclosed by a sale of the mort- at the Main Entrance #4, to the Bay County of them, at public venue, the main entrance, ganized under the laws of the United States of

gaged premises, or some part of them, at Court Facility, 1230 Washington Avenue, Bay #4, to the Bay County Court Facility, 1230 America a/k/a Federal National Mortgage As-

public vendue, at the place of holding the cir- City, MI in Bay County, Michigan at 11:00 a.m. Washington Ave., that being the place of hold- sociation as assignee as documented by an

Notice Of Mortgage Foreclosure Sale THIS cuit court within Bay County, at 11:00 AM, on on DECEMBER 16, 2011. Said premises are ing the Circuit Court for Bay County, MI at assignment, in Bay county records, Michigan,

FIRM IS A DEBT COLLECTOR ATTEMPT- December 16, 2011. Said premises are situat- located in the Township of Garfield, Bay 11:00 AM o’clock, on December 16, 2011 Said on which mortgage there is claimed to be due

ING TO COLLECT A DEBT. ANY INFORMA- ed in Township of Beaver, Bay County, Michi- County, Michigan, and are described as: The premises are located in Bay County, Michigan at the date hereof the sum of One Hundred

TION WE OBTAIN WILL BE USED FOR gan, and are described as: Commencing at land referred to in this commitment is de- and are described as: THE SOUTH 50 FEET Forty-Two Thousand Four Hundred Fifteen

THAT PURPOSE. PLEASE CONTACT OUR the Northeast corner, Section 12, Town 15 scribed as follows: Township of Garfield, OF LOTS 5 AND 6, BLOCK 6, MCEWAN AND and 46/100 Dollars ($142,415.46), including

OFFICE AT THE NUMBER BELOW IF YOU North, Range 3 East, Beaver Township, Bay County of Bay, State of Michigan A parcel of JENNISON’S ADDITION TO BAY CITY, BAY interest at 8.75% per annum. Under the

ARE IN ACTIVE MILITARY DUTY. ATTN County, Michigan; thence North 89 degrees land situated in the Southwest 1/4 of the COUNTY, MICHIGAN, ACCORDING TO THE power of sale contained in said mortgage and

PURCHASERS: This sale may be rescinded 36 minutes 32 seconds West 993.09 feet, Southwest 1/4 of Section 24, Town 16 North, PLAT THEREOF RECORDED IN LIBER 1 the statute in such case made and provided,

by the foreclosing mortgagee. In that event, along the North section line to the point of be- Range 3 East, described as: Beginning at the OF PLATS, PAGE 36, BAY COUNTY notice is hereby given that said mortgage will

your damages, if any, shall be limited solely to ginning; thence North 89 degrees 36 minutes Southwest corner of Section 24; thence North RECORDS. The redemption period shall be 6 be foreclosed by a sale of the mortgaged

the return of the bid amount tendered at sale, 32 seconds West 339.76 feet along the North 02 degrees 14 minutes 22 seconds West, months from the date of such sale unless de- premises, or some part of them, at public ven-

plus interest. MORTGAGE SALE - Default section line; thence South 03 degrees 15 min- 244.00 feet along the West Section line; termined abandoned in accordance with due, at the place of holding the circuit court

has been made in the conditions of a mort- utes 32 seconds East 241.71 feet, along the thence North 89 degrees 40 minutes 19 sec- 1948CL 600.3241a, in which case the re- within Bay County, at 11:00 AM, on January 6,

gage made by Robert Moriarty, a married East 1/8 line; thence South 89 degrees 36 onds East, 363.00 feet parallel with the South demption period shall be 30 days from the 2012. Said premises are situated in Charter

man, original mortgagor(s), to First Franklin minutes 32 seconds East 339.32 feet, parallel Section line; thence South 02 degrees 14 date of such sale. GMAC Mortgage, LLC Township of Bangor, Bay County, Michigan,

Financial Corporation, Mortgagee, dated Au- to the North Section line; thence North 03 de- minutes 22 seconds East, 244.00 feet parallel Mortgagee/Assignee Schneiderman & Sher- and are described as: Lot 13, of Kavanaugh

gust 19, 2004, and recorded on August 25, grees 11 minutes 09 seconds West 241.71 with the West Section line to the South Sec- man, P.C. 23938 Research Drive, Suite 300 Subdivision, according to the plat thereof

2004 in Liber 2245 on Page 969, and as- feet parallel to the East section line to the tion line; thence South 89 degrees 40 minutes Farmington Hills, MI 48335 GMAC.011913 recorded in Liber 6 of Plats, Page 19 of Bay

signed by said Mortgagee to The Bank Of point of beginning. Subject to the right of way 19 seconds West, 363.00 feet along the FNMA 46 & 47 & 48 & 49 County Records. The redemption period shall

New York Mellon, Fka The Bank Of New York for Cottage Grove Road, along the North side South Section line to the point of beginning. be 6 months from the date of such sale, un-

Successor Trustee To Jpmorgan Chase Bank, and the Kowalski Drain along the West side The redemption period shall be 6 months less determined abandoned in accordance

N.A., As Trustee For The Holders Of The thereof. Bearings are referenced to the North from the date of such sale, unless determined with MCLA 600.3241a, in which case the re-

Asset Backed Funding Corporation, First line of Section 12, Town 15 North, Range 3 abandoned in accordance with MCLA SCHNEIDERMAN & SHERMAN, P.C., IS AT- demption period shall be 30 days from the

Franklin Mortgage Loan Trust 2004-FF10, East, Beaver Township, Bay County, Michi- §600.3241a, in which case the redemption TEMPTING TO COLLECT A DEBT, ANY IN- date of such sale. Dated: November 22, 2011

Asset-Backed Certs, Series 2004-FF10 as gan being North 86 degrees 36 minutes 32 period shall be 30 days from the date of such FORMATION WE OBTAIN WILL BE USED For more information, please call: FC J (248)

assignee as documented by an assignment, seconds West from previous recorded sur- sale. TO ALL PURCHASERS: The foreclosing FOR THAT PURPOSE. PLEASE CONTACT 593-1311 Trott & Trott, P.C. Attorneys For Ser-

in Bay county records, Michigan, on which veys and descriptions of record by others in mortgagee can rescind the sale. In that event, OUR OFFICE AT (248)539-7400 IF YOU ARE vicer 31440 Northwestern Highway, Suite 200

mortgage there is claimed to be due at the the area. The redemption period shall be 12 your damages, if any, are limited solely to the IN ACTIVE MILITARY DUTY. MORTGAGE Farmington Hills, Michigan 48334-2525

date hereof the sum of Eighty-Two Thousand months from the date of such sale, unless de- return of the bid amount tendered at sale, plus SALE – Default has been made in the condi- File #296405F01 (11-22)(12-13)

Two Hundred Fifty-Four and 37/100 Dollars termined abandoned in accordance with interest. If you are a tenant in the property, tions of a mortgage made by NICHOLAS E. 47 & 48 & 49 & 50

($82,254.37), including interest at 8.75% per MCLA 600.3241a, in which case the redemp- please contact our office as you may have RHYNARD, A SINGLE MAN, to BANK OF

annum. Under the power of sale contained in tion period shall be 30 days from the date of certain rights. Dated: November 15, 2011 Or- AMERICA, N.A., Mortgagee, dated April 15,

said mortgage and the statute in such case such sale. Dated: November 15, 2011 For lans Associates, P.C. Attorneys for Servicer 2008, and recorded on April 22, 2008, in Liber

made and provided, notice is hereby given more information, please call: FC F (248) P.O. Box 5041 Troy, MI 48007-5041 2683 File 2604, on Page 626, and assigned by said Notice Of Mortgage Foreclosure Sale THIS

that said mortgage will be foreclosed by a 593-1313 Trott & Trott, P.C. Attorneys For No. 280.6199 (11-15)(12-06) mortgagee to MICHIGAN STATE HOUSING FIRM IS A DEBT COLLECTOR ATTEMPT-

sale of the mortgaged premises, or some part Servicer 31440 Northwestern Highway, Suite 46 & 47 & 48 & 49 DEVELOPMENT AUTHORITY, as assigned, ING TO COLLECT A DEBT. ANY INFORMA-

of them, at public vendue, at the place of hold- 200 Farmington Hills, Michigan 48334-2525 Bay County Records, Michigan, on which TION WE OBTAIN WILL BE USED FOR

ing the circuit court within Bay County, at File #383312F01 (11-15)(12-06) mortgage there is claimed to be due at the THAT PURPOSE. PLEASE CONTACT OUR

11:00 AM, on December 16, 2011. Said prem- 46 & 47 & 48 & 49 date hereof the sum of Seventy-Nine Thou- OFFICE AT THE NUMBER BELOW IF YOU

ises are situated in City of Bay City, Bay THIS FIRM IS A DEBT COLLECTOR AT- sand Seven Hundred Seventy-Seven Dollars ARE IN ACTIVE MILITARY DUTY. ATTN

County, Michigan, and are described as: Be- TEMPTING TO COLLECT A DEBT. ANY IN- and Eleven Cents ($79,777.11), including in- PURCHASERS: This sale may be rescinded

ginning At A Point On The North Line Of The FORMATION WE OBTAIN WILL BE USED terest at 5.125% per annum. Under the power by the foreclosing mortgagee. In that event,

South 1/2 Of The Northwest 1/4 Of The North- Notice Of Mortgage Foreclosure Sale THIS FOR THAT PURPOSE. PLEASE CONTACT of sale contained in said mortgage and the your damages, if any, shall be limited solely to

east 1/4 Of Section 17, Town 14 North, Range FIRM IS A DEBT COLLECTOR ATTEMPT- OUR OFFICE AT THE NUMBER BELOW IF statute in such case made and provided, no- the return of the bid amount tendered at sale,

5 East, City Of Bay City, Bay County, Michi- ING TO COLLECT A DEBT. ANY INFORMA- YOU ARE IN ACTIVE MILITARY DUTY OR IF tice is hereby given that said mortgage will be plus interest. MORTGAGE SALE - Default

gan, 750 Feet West Of The East Line Of The TION WE OBTAIN WILL BE USED FOR YOU ARE IN BANKRUPTCY. MORTGAGE foreclosed by a sale of the mortgaged prem- has been made in the conditions of a mort-

Northwest 1/4 Of The Northeast 1/4 Of Said THAT PURPOSE. PLEASE CONTACT OUR SALE - Default has been made in the condi- ises, or some part of them, at public venue, gage made by Renee L Meier, a single

Section; Thence South 271 Feet; Thence OFFICE AT THE NUMBER BELOW IF YOU tions of a mortgage made by Faye A. Kolka, a the main entrance, #4, to the Bay County woman, original mortgagor(s), to Mortgage

West 60 Feet; Thence North 271 Feet; ARE IN ACTIVE MILITARY DUTY. ATTN single woman, to Mortgage Electronic Regis- Court Facility, 1230 Washington Ave., that Electronic Registration Systems, Inc., as

Thence East 60 Feet To The Place Of Begin- PURCHASERS: This sale may be rescinded tration Systems, Inc., as nominee for Flagstar being the place of holding the Circuit Court for nominee for Ross Mortgage Corporation its

ning, Except The North 21 Feet Of The Above by the foreclosing mortgagee. In that event, Bank, FSB, its successors or assigns, Mort- Bay County, MI at 11:00 AM o’clock, on De- successors and assigns, Mortgagee, dated

Described Parcel Of Land The redemption your damages, if any, shall be limited solely to gagee, dated February 16, 2004 and record- cember 16, 2011 Said premises are located in April 30, 2010, and recorded on May 4, 2010

period shall be 6 months from the date of the return of the bid amount tendered at sale, ed February 23, 2004 in Liber 2176, Page Bay County, Michigan and are described as: in Liber 2736 on Page 784, and assigned by

such sale, unless determined abandoned in plus interest. MORTGAGE SALE - Default 275, Bay County Records, Michigan. Said LOT 5, BRIAR HILLS NUMBER ONE, AC- said Mortgagee to JPMorgan Chase Bank,

accordance with MCLA 600.3241a, in which has been made in the conditions of a mort- mortgage is now held by JPMorgan Chase CORDING TO THE RECORDED PLAT National Association as assignee as docu-

case the redemption period shall be 30 days gage made by Robert J. Parker, a single per- Bank, National Association by assignment. THEREOF, AS RECORDED IN LIBER 6 OF mented by an assignment, in Bay county

from the date of such sale. Dated: November son, original mortgagor(s), to Mortgage Elec- There is claimed to be due at the date hereof PLATS, PAGE 45, BAY COUNTY RECORDS. records, Michigan, on which mortgage there

15, 2011 For more information, please call: tronic Registration Systems, Inc., Mortgagee, the sum of Forty-Five Thousand One Hun- The redemption period shall be 6 months is claimed to be due at the date hereof the

FC X (248) 593-1302 Trott & Trott, P.C. Attor- dated August 24, 2007, and recorded on Sep- dred Forty-Two and 19/100 Dollars from the date of such sale unless determined sum of One Hundred Twenty-One Thousand

neys For Servicer 31440 Northwestern High- tember 7, 2007 in Liber 2559 on Page 255, ($45,142.19) including interest at 6.125% per abandoned in accordance with 1948CL One Hundred Seven and 48/100 Dollars

way, Suite 200 Farmington Hills, Michigan and assigned by said Mortgagee to Bank of annum. Under the power of sale contained in 600.3241a, in which case the redemption pe- ($121,107.48), including interest at 5% per

48334-2525 File #377524F01 (11-15)(12-06) America, N.A. as assignee as documented by said mortgage and the statute in such case riod shall be 30 days from the date of such annum. Under the power of sale contained in

46 & 47 & 48 & 49 an assignment, in Bay county records, Michi- made and provided, notice is hereby given sale. MICHIGAN STATE HOUSING DEVEL- said mortgage and the statute in such case

gan, on which mortgage there is claimed to be that said mortgage will be foreclosed by a OPMENT AUTHORITY Mortgagee/Assignee made and provided, notice is hereby given

due at the date hereof the sum of Forty Thou- sale of the mortgaged premises, or some part Schneiderman & Sherman, P.C. 23938 Re- that said mortgage will be foreclosed by a

sand Five Hundred Four and 10/100 Dollars of them, at public vendue at the Main En- search Drive, Suite 300 Farmington Hills, MI sale of the mortgaged premises, or some part

($40,504.10), including interest at 7% per trance #4, to the Bay County Court Facility, 48335 USBW.001205 CONV of them, at public vendue, at the place of hold-

annum. Under the power of sale contained in 1230 Washington Avenue, Bay City, MI in Bay 46 & 47 & 48 & 49 ing the circuit court within Bay County, at

said mortgage and the statute in such case County, Michigan at 11:00 a.m. on DECEM- 11:00 AM, on January 6, 2012. Said premises

made and provided, notice is hereby given BER 16, 2011. Said premises are located in are situated in Charter Township of Williams,

that said mortgage will be foreclosed by a the Township of Pinconning, Bay County, Bay County, Michigan, and are described as:

sale of the mortgaged premises, or some part Michigan, and are described as: Situated in Township of Williams, County of Bay, State of

of them, at public vendue, at the place of hold- the Township of Pinconning, County of Bay, Michigan, the East 207 feet of the South

ing the circuit court within Bay County, at State of Michigan. A piece of land in the North- 293.5 feet of the Southeast 1/4 of the North-

11:00 AM, on December 16, 2011. Said prem- east 1/4 of the Southeast 1/4, Section 27, west 1/4 of Section 20, Town 14 North, Range

ises are situated in City of Bay City, Bay Town 17 North, Range 4 East, Pinconning 3 East. The redemption period shall be 6

County, Michigan, and are described as: Lot Township, Bay County, Michigan, 100 feet months from the date of such sale, unless de-

20, Block 5, The Miller Addition to West Bay North and South by 250 feet East and West termined abandoned in accordance with

City, Now Bay City, Bay County, Michigan, as more particularly described as follows: Com- MCLA 600.3241a, in which case the redemp-

per plat thereof recorded in Liber 3 of Plats, mencing 435 feet North of the intersection of tion period shall be 30 days from the date of

Page 4 of Bay County Records. The redemp- the West line of U.S. Highway 23 and the such sale. Dated: November 22, 2011 For

tion period shall be 6 months from the date of South line of the Northeast 1/4 of the South- more information, please call: FC S (248)

such sale, unless determined abandoned in east 1/4, Section 27, Town 17 North, Range 4 The Bay City Democrat 593-1304 Trott & Trott, P.C. Attorneys For

accordance with MCLA 600.3241a, in which East, Pinconning Township, Bay County, And The Bay County Legal News Servicer 31440 Northwestern Highway, Suite

case the redemption period shall be 30 days Michigan, running thence West 250 feet, 200 Farmington Hills, Michigan 48334-2525

from the date of such sale. Dated: November thence North 100 feet, thence East 250 feet, (989) 893-6344 File #380874F01 (11-22)(12-13)

15, 2011 For more information, please call: thence South 100 feet to the place of begin- —————— 47 & 48 & 49 & 50

FC X (248) 593-1302 Trott & Trott, P.C. Attor- ning. The redemption period shall be 6

neys For Servicer 31440 Northwestern High- Carol A. DeVeau, Editor and Publisher

months from the date of such sale, unless de-

way, Suite 200 Farmington Hills, Michigan termined abandoned in accordance with

Wendy M. Knochel, Assistant Editor

48334-2525 File #389288F01 (11-15)(12-06) MCLA §600.3241a, in which case the re- Published every Tuesday at 309 Ninth

46 & 47 & 48 & 49 demption period shall be 30 days from the Street, Bay City, Michigan. Periodical

date of such sale. TO ALL PURCHASERS: postage paid at Bay City, MI. POST-

The foreclosing mortgagee can rescind the MASTER: Send address changes to P.O.

sale. In that event, your damages, if any, are

limited solely to the return of the bid amount

Box 278, Bay City, MI 48707-0278.

tendered at sale, plus interest. If you are a Subscription rates:

tenant in the property, please contact our of-

fice as you may have certain rights.

Bay County . . . . . . . . . . . . . . . $16.00

Dated: November 15, 2011 Orlans Associ- Elsewhere in Michigan . . . . . .$25.00

ates, P.C. Attorneys for Servicer P.O. Box

5041 Troy, MI 48007-5041 2683 File No. United States . . . . . . . . . . . . . $30.00

682.1052 (11-15)(12-06) 46 & 47 & 48 & 49

Page 4 The Bay City Democrat and The Bay County Legal News Tuesday, November 29, 2011





SCHNEIDERMAN & SHERMAN, P.C., IS AT- IF YOU ARE CURRENTLY IN BANKRUPTCY THIS FIRM IS A DEBT COLLECTOR AT-

TEMPTING TO COLLECT A DEBT, ANY IN- OR HAVE RECEIVED A DISCHARGE IN TEMPTING TO COLLECT A DEBT. ANY IN-

FORMATION WE OBTAIN WILL BE USED BANKRUPTCY AS TO THIS OBLIGATION, FORMATION WE OBTAIN WILL BE USED

FOR THAT PURPOSE. PLEASE CONTACT THIS COMMUNICATION IS INTENDED FOR FOR THAT PURPOSE. PLEASE CONTACT

OUR OFFICE AT (248)539-7400 IF YOU ARE INFORMATIONAL PURPOSES ONLY AND OUR OFFICE AT THE NUMBER BELOW IF

IN ACTIVE MILITARY DUTY. MORTGAGE IS NOT AN ATTEMPT TO COLLECT A DEBT YOU ARE IN ACTIVE MILITARY DUTY OR IF

SALE – Default has been made in the condi- IN VIOLATION OF THE AUTOMATIC STAY YOU ARE IN BANKRUPTCY. MORTGAGE

tions of a mortgage made by MICHAEL S. OR THE DISCHARGE INJUNCTION. IN SALE - Default has been made in the condi-

HOY and STARLA A. HOY, HUSBAND AND SUCH CASE, PLEASE DISREGARD ANY tions of a mortgage made by Amy L. Gemmil,

WIFE, to NATIONAL CITY MORTGAGE PART OF THIS COMMUNICATION WHICH an unmarried woman, to Mortgage Electronic

SERVICES CO, Mortgagee, dated August 2, IS INCONSISTENT WITH THE FOREGOING. Registration Systems, Inc., as nominee for

2002, and recorded on August 6, 2002, in OTHERWISE, FEDERAL LAW REQUIRES Amera Mortgage Corporation, Mortgagee,

Liber 1914, on Page 330, and assigned by US TO ADVISE YOU THAT COMMUNICA- dated April 9, 2008 and recorded April 28,

said mortgagee to MICHIGAN STATE HOUS- TION FROM OUR OFFICE COULD BE IN- 2008 in Liber 2605, Page 625, Bay County

ING DEVELOPMENT AUTHORITY, as as- TERPRETED AS AN ATTEMPT TO COL- Records, Michigan. Said mortgage is now

signed,Bay County Records, Michigan, on LECT A DEBT AND THAT ANY INFORMA- held by CitiMortgage, Inc. by assignment.

which mortgage there is claimed to be due at TION OBTAINED WILL BE USED FOR THAT There is claimed to be due at the date hereof

the date hereof the sum of Eighty Thousand PURPOSE. IF YOU ARE NOW ON ACTIVE the sum of Sixty Thousand Two Hundred Sev-

Eight Hundred Seventy-One Dollars and Thir- MILITARY DUTY OR HAVE BEEN IN THE enty-Seven and 27/100 Dollars ($60,277.27)

ty-One Cents ($80,871.31), including interest PRIOR NINE MONTHS, PLEASE CONTACT including interest at 2% per annum. Under the

at 6.375% per annum. Under the power of OUR OFFICE AS YOU MAY BE ENTITLED power of sale contained in said mortgage and

sale contained in said mortgage and the TO THE BENEFITS OF THE SERVICEMEM- the statute in such case made and provided,

statute in such case made and provided, no- BERS’ CIVIL RELIEF ACT. THIS IS AN OP- notice is hereby given that said mortgage will

tice is hereby given that said mortgage will be PORTUNITY TO SAVE YOUR HOME To: be foreclosed by a sale of the mortgaged

foreclosed by a sale of the mortgaged prem- Mark D. Doty and Barbara A. Doty 1335 West premises, or some part of them, at public ven-

ises, or some part of them, at public venue, Kitchen Road Linwood, MI 48634 due at the Main Entrance #4, to the Bay

the main entrance, #4, to the Bay County County Bay State law requires that you re- County Court Facility, 1230 Washington Av-

Court Facility, 1230 Washington Ave., that ceive the following notice: You have the right enue, Bay City, MI in Bay County, Michigan at

being the place of holding the Circuit Court for to request a meeting with your mortgage hold- 11:00 a.m. on JANUARY 6, 2012. Said prem-

Bay County, MI at 11:00 AM o’clock, on Janu- er or mortgage servicer. The person to con- ises are located in the City of Bay City, Bay

ary 6, 2012 Said premises are located in Bay tact and that has the authority to make agree- County, Michigan, and are described as: The

County, Michigan and are described as: LOT ments for a loan modification with you is: Or- Southerly 50 feet of Lot 1, Block 43 and Lot 2,

23 AND 24, INCLUDING THE WEST 1 / 2 OF lans Associates, P.C Loss Mitigation Depart- Block 43, Daniel H. Fitzhugh’s Addition to his

VACATED ALLEY ADJOINING SAID LOTS ment, P.O. Box 5041, Troy, MI 48007-5041, subdivision of out Lots 1, 2, 3, and 4, accord-

ON THE EAST, BLOCK 20, RIVERSIDE (248) 502-1331. You may contact a housing ing to the plat thereof, as recorded in Liber 2

PARK SUBDIVISION, ACCORDING TO THE counselor by visiting the Michigan State of Plats, Page 11, Bay County Records, ex-

RECORDED PLAT THEREOF, AS RECORD- Housing Development Authority (“MSHDA”) cept: Commencing at the Northeast corner of

ED IN LIBER 3 OF PLATS, PAGE 13. The re- website or by calling MSHDA. The website said Lot 2, running thence Southerly along the

demption period shall be 6 months from the address and telephone number of MSHDA is: Easterly line of Lot 2, 100 feet; thence West-

date of such sale unless determined aban- (www.mshda.info/counseling_search/), tele- erly parallel with the South line of Woodside

doned in accordance with 1948CL phone (517) 373-8370, TTY# 1-800-382- Avenue to the Westerly line of said Lot 2;

600.3241a, in which case the redemption pe- 4568. If you request a meeting with the ser- thence Northerly along the Westerly line of

riod shall be 30 days from the date of such vicer’s designate within 14 days after the No- Lot 2 to the South line of Woodside Avenue;

sale. MICHIGAN STATE HOUSING DEVEL- tice required under MCL 600.3205a(1) is thence East along the South line of Woodside

OPMENT AUTHORITY Mortgagee/Assignee mailed, then foreclosure proceedings will not Avenue to the place of beginning. The re-

Schneiderman & Sherman, P.C. 23938 Re- start until 90 days after the date the Notice demption period shall be 6 months from the

search Drive, Suite 300 Farmington Hills, MI was mailed to you. If you and the servicer’s date of such sale, unless determined aban-

48335 USBW.001224 VA 47 & 48 & 49 & 50 Designate reach an agreement to modify the doned in accordance with MCLA §600.3241a,

mortgage loan, the mortgage will not be fore- in which case the redemption period shall be

closed if you abide by the terms of the agree- 30 days from the date of such sale. TO ALL

ment. You have the right to contact an attor- PURCHASERS: The foreclosing mortgagee

THIS FIRM IS A DEBT COLLECTOR AT- ney. You may contact attorney of your choice. can rescind the sale. In that event, your dam-

TEMPTING TO COLLECT A DEBT. ANY IN- If you do not have an attorney, the telephone ages, if any, are limited solely to the return of

FORMATION WE OBTAIN WILL BE USED number for the Michigan State Bar Associa- the bid amount tendered at sale, plus interest.

FOR THAT PURPOSE. PLEASE CONTACT tion’s Lawyer Referral Service is 1-800-968- If you are a tenant in the property, please con-

OUR OFFICE AT THE NUMBER BELOW IF 0738. Dated: November 29, 2011 Orlans As- tact our office as you may have certain rights.

YOU ARE IN ACTIVE MILITARY DUTY OR IF sociates P.C Attorneys for Servicer P.O. Box Dated: November 29, 2011 Orlans Associ-

YOU ARE IN BANKRUPTCY. MORTGAGE 5041 Troy, MI 48007-5041 File Number: ates, P.C. Attorneys for Servicer P.O. Box

SALE - Default has been made in the condi- 401.1091 (11-29) 48 5041 Troy, MI 48007-5041 File No. 241.5561

tions of a mortgage made by Anthony Vitale, (11-29)(12-20) 48 & 49 & 50 & 51

a married man and Julie Vitale, his wife, to

Mortgage Electronic Registration Systems,

Inc., as nominee for lender and lender’s suc- FORECLOSURE NOTICE (ALL COUNTIES)

cessors and/or assigns, Mortgagee, dated AS A DEBT COLLECTOR, WE ARE AT- THIS FIRM IS A DEBT COLLECTOR AT-

November 16, 2007 and recorded November TEMPTING TO COLLECT A DEBT AND ANY TEMPTING TO COLLECT A DEBT. ANY IN-

20, 2007 in Liber 2575, Page 29, Bay County INFORMATION OBTAINED WILL BE USED FORMATION WE OBTAIN WILL BE USED

Records, Michigan. Said mortgage is now FOR THAT PURPOSE. NOTIFY (248) 362- FOR THAT PURPOSE. PLEASE CONTACT

held by Bank of America, N.A., successor by 6100 IF YOU ARE IN ACTIVE MILITARY OUR OFFICE AT THE NUMBER BELOW IF

merger to BAC Home Loans Servicing, LP DUTY. MORTGAGE SALE – Default having YOU ARE IN ACTIVE MILITARY DUTY OR IF

FKA Countrywide Home Loans Servicing LP been made in the terms and conditions of a YOU ARE IN BANKRUPTCY. MORTGAGE

by assignment. There is claimed to be due at certain mortgage made by Debra K. Kukla SALE - Default has been made in the condi-

the date hereof the sum of Sixty-One Thou- and Robbie F. Kukla, husband and wife of Bay tions of a mortgage made by Jan M. Haas, a

sand Nine Hundred Fifty-Five and 95/100 Dol- County, Michigan, Mortgagor to Mortgage married woman, to Mortgage Electronic Reg-

lars ($61,955.95) including interest at 7.25% Electronic Registration Systems, Inc., as istration Systems, Inc., as nominee for lender

per annum. Under the power of sale con- nominee for The Lending Factory its succes- and lender’s successors and/or assigns.,

tained in said mortgage and the statute in sors and assigns dated the 6th day of August, Mortgagee, dated August 21, 2003 and

such case made and provided, notice is here- 2008, and recorded in the office of the Regis- recorded September 2, 2003 in Liber 2107,

by given that said mortgage will be foreclosed ter of Deeds, for the County of Bay and State Page 927, Bay County Records, Michigan.

by a sale of the mortgaged premises, or some of Michigan, on the 9th day of October, 2008, Said mortgage is now held by Bank of Ameri-

part of them, at public vendue at the Main En- in Liber 2638, Page 358 of Bay Records, ca, N.A., successor by merger to BAC Home

trance #4, to the Bay County Court Facility, which said mortgage was assigned to GMAC Loans Servicing, LP FKA Countrywide Home

1230 Washington Avenue, Bay City, MI in Bay Mortgage, LLC successor by merger to Loans Servicing LP by assignment. There is

County, Michigan at 11:00 a.m. on JANUARY GMAC Mortgage Corp, thru mesne assign- claimed to be due at the date hereof the sum

6, 2012. Said premises are located in the City ments, on which mortgage there is claimed to of Ninety-Seven Thousand Four Hundred

of Bay City, Bay County, Michigan, and are be due, at the date of this notice, for principal Seventy-Four and 28/100 Dollars

described as: City of Bay City, County of Bay, of $76,598.52 (seventy-six thousand five hun- ($97,474.28) including interest at 5.875% per

State of Michigan Lots 6 and 7, Victory Plat, dred ninety-eight and 52/100) plus accrued annum. Under the power of sale contained in

Replat of Block 8, John S. Wilson’s Addition, interest at 7.375% (seven point three seven said mortgage and the statute in such case

Blocks 81 and 115, Village of Portsmouth, five) percent per annum. And no suit proceed- made and provided, notice is hereby given

Section 28, Town 14 North, Range 5 East, ac- ings at law or in equity having been instituted that said mortgage will be foreclosed by a

cording to the recorded Plat thereof recorded to recover the debt secured by said mortgage sale of the mortgaged premises, or some part

in the Bay County Register of Deeds. Except or any part thereof. Now, therefore, by virtue of them, at public vendue at the Main En-

that part of said Lot 7 of Victory Plat which is of the power of sale contained in said mort- trance #4, to the Bay County Court Facility,

included in the following description: Com- gage, and pursuant to the statue of the State 1230 Washington Avenue, Bay City, MI in Bay

mencing at the Northeast corner of Lot 8, Vic- of Michigan in such case made and provided, County, Michigan at 11:00 a.m. on JANUARY

tory Plat , running thence Westerly along the notice is hereby given that on, the 6th day of 6, 2012. Said premises are located in the

North line of Lots 8 and 7 of Victory Plat to January, 2012, at 11:00:00 AM said mortgage Township of Fraser, Bay County, Michigan,

Water Street, thence Easterly in a straight line will be foreclosed by a sale at public auction, and are described as: Lot(s) 8 of Fairway

to a point on the Easterly side line of said Lot to the highest bidder, at the main entrance #4, Subdivision, according to the Plat thereof

8, 5 feet Southerly from the point of begin- to the Bay County Court Facility, 1230 Wash- recorded in Liber 9 of Plats, Page(s) 19 of Bay

ning, thence Northerly 5 feet to the point of ington Ave, that being the place of holding the County Records. The redemption period shall

beginning The redemption period shall be 6 Circuit Court for Bay County, MI, Bay County, be 6 months from the date of such sale, un-

months from the date of such sale, unless de- Michigan, of the premises described in said less determined abandoned in accordance

termined abandoned in accordance with mortgage. Which said premises are described with MCLA §600.3241a, in which case the re-

MCLA §600.3241a, in which case the re- as follows: All that certain piece or parcel of demption period shall be 30 days from the

demption period shall be 30 days from the land situate in the City of Bay City, in the date of such sale. TO ALL PURCHASERS:

date of such sale. TO ALL PURCHASERS: County of Bay and State of Michigan and de- The foreclosing mortgagee can rescind the

The foreclosing mortgagee can rescind the scribed as follows to wit: Situated in the City sale. In that event, your damages, if any, are

sale. In that event, your damages, if any, are of Bay City, County of Bay and State of Michi- limited solely to the return of the bid amount

limited solely to the return of the bid amount gan: Lots 16 and 17, Block 2, MASON ADDI- tendered at sale, plus interest. If you are a

tendered at sale, plus interest. If you are a TION OF WEST BAY CITY, according to the tenant in the property, please contact our of-

tenant in the property, please contact our of- Plat thereof, as recorded in Liber 2 of Plats, fice as you may have certain rights. Dated:

fice as you may have certain rights. Dated: Page 61, Bay County Records. Commonly November 29, 2011 Orlans Associates, P.C.

November 29, 2011 Orlans Associates, P.C. known as: 708 N. Dean St. PPN: 09-160-020- Attorneys for Servicer P.O. Box 5041 Troy, MI

Attorneys for Servicer P.O. Box 5041 Troy, MI 203-007-00 The redemption period shall be 48007-5041 File No. 285.9886 (11-29)(12-20)

48007-5041 File No. 708.0337 (11-29)(12-20) six months from the date of such sale, unless 48 & 49 & 50 & 51

48 & 49 & 50 & 51 determined abandoned in accordance with

1948CL 600.3241a, in which case the re-

demption period shall be 30 days from the

date of such sale. Dated: November 29, 2011 SCHNEIDERMAN & SHERMAN, P.C., IS AT-

SCHNEIDERMAN & SHERMAN, P.C., IS AT- By: Michael I. Rich (P-41938) Attorney for TEMPTING TO COLLECT A DEBT, ANY IN-

TEMPTING TO COLLECT A DEBT, ANY IN- Plaintiff Weltman, Weinberg & Reis Co., FORMATION WE OBTAIN WILL BE USED

FORMATION WE OBTAIN WILL BE USED L.P.A. 2155 Butterfield Drive Suite 200-S FOR THAT PURPOSE. PLEASE CONTACT

FOR THAT PURPOSE. PLEASE CONTACT Troy, MI 48084 WWR# 100835887 (11-29-12- OUR OFFICE AT (248)539-7400 IF YOU ARE

OUR OFFICE AT (248)539-7400 IF YOU ARE 20) 48 & 49 & 50 & 51 IN ACTIVE MILITARY DUTY. MORTGAGE

IN ACTIVE MILITARY DUTY. MORTGAGE SALE – Default has been made in the condi-

SALE – Default has been made in the condi- tions of a mortgage made by SHAWN P.

tions of a mortgage made by KRISTINE N. DOYLE, A MARRIED MAN and LEANNE R.

SAIA-DEHRING and SANDY T. DEHRING, THIS FIRM IS A DEBT COLLECTOR AT- DOYLE, HIS WIFE, to INDEPENDENT

WIFE AND HUSBAND, to CHEMICAL BANK, TEMPTING TO COLLECT A DEBT. ANY IN- MORTGAGE COMPANY, Mortgagee, dated

Mortgagee, dated March 30, 2007, and FORMATION WE OBTAIN WILL BE USED May 9, 2008, and recorded on May 14, 2008,

recorded on May 9, 2007, in Liber 2530, on FOR THAT PURPOSE. PLEASE CONTACT in Liber 2609, on Page 559, and assigned by

Page 583, and assigned by said mortgagee to OUR OFFICE AT THE NUMBER BELOW IF said mortgagee to MICHIGAN STATE HOUS-

MICHIGAN STATE HOUSING DEVELOP- YOU ARE IN ACTIVE MILITARY DUTY OR IF ING DEVELOPMENT AUTHORITY, as as-

MENT AUTHORITY, as assigned,Bay County YOU ARE IN BANKRUPTCY. MORTGAGE signed,Bay County Records, Michigan, on

Records, Michigan, on which mortgage there SALE - Default has been made in the condi- which mortgage there is claimed to be due at

is claimed to be due at the date hereof the tions of a mortgage made by Michael L. Mc- the date hereof the sum of Ninety-Five Thou-

sum of Eighty-Nine Thousand One Hundred Mann, a married man and Tammy M. Mc- sand Four Hundred Seventy-Three Dollars

Twelve Dollars and Eighty-Three Cents Mann, his wife, to Union Federal Bank of Indi- and Twelve Cents ($95,473.12), including in-

($89,112.83), including interest at 5.500% per anapolis, Mortgagee, dated August 25, 2003 terest at 5.500% per annum. Under the power

annum. Under the power of sale contained in and recorded September 2, 2003 in Liber of sale contained in said mortgage and the

said mortgage and the statute in such case 2107, Page 660, Bay County Records, Michi- statute in such case made and provided, no-

made and provided, notice is hereby given gan. Said mortgage is now held by CitiMort- tice is hereby given that said mortgage will be

that said mortgage will be foreclosed by a gage, Inc by assignment. There is claimed to foreclosed by a sale of the mortgaged prem-

sale of the mortgaged premises, or some part be due at the date hereof the sum of One ises, or some part of them, at public venue,

of them, at public venue, the main entrance, Hundred Thirty-Three Thousand Five Hun- the main entrance, #4, to the Bay County

#4, to the Bay County Court Facility, 1230 dred Forty-Four and 35/100 Dollars Court Facility, 1230 Washington Ave., that

Washington Ave., that being the place of hold- ($133,544.35) including interest at 5.75% per being the place of holding the Circuit Court for

ing the Circuit Court for Bay County, MI at annum. Under the power of sale contained in Bay County, MI at 11:00 AM o’clock, on Janu-

11:00 AM o’clock, on January 6, 2012 Said said mortgage and the statute in such case ary 6, 2012 Said premises are located in Bay

premises are located in Bay County, Michigan made and provided, notice is hereby given County, Michigan and are described as: LOT

and are described as: SITUATED IN THE that said mortgage will be foreclosed by a 20, BLOCK 1, MARTIN’S OAKWOOD

CITY OF.BAY CITY, BAY COUNTY, MICHI- sale of the mortgaged premises, or some part BOULEVARD SUBDIVISION, ACCORDING

GAN: A PARCEL OF LAND 50 FEET NORTH of them, at public vendue at the Main En- TO THE PLAT THEREOF RECORDED IN

AND SOUTH BY 180 FEET EAST AND trance #4, to the Bay County Court Facility, LIBER 5 OF PLATS, PAGE 20 OF BAY

WEST BOUNDED ON THE WEST BY THE 1230 Washington Avenue, Bay City, MI in Bay COUNTY RECORDS. The redemption period

EAST LINE OF CHILSON STREET AND ON County, Michigan at 11:00 a.m. on JANUARY shall be 6 months from the date of such sale

THE SOUTH BY A LINE PARALLEL WITH 6, 2012. Said premises are located in the unless determined abandoned in accordance

WHITE STREET AND 100 FEET NORTH OF Township of Hampton, Bay County, Michigan, with 1948CL 600.3241a, in which case the re-

THE NORTH LINE THEREOF: BEING PART and are described as: The South 100 feet of demption period shall be 30 days from the

OF THE EAST 1 / 2 OF THE SOUTHWEST 1 the North 265.70 feet of the West 223 feet of date of such sale. MICHIGAN STATE HOUS-

/ 4 OF SECTION 20, TOWN 14 NORTH. the North 1/2 of the NOrthwest 1/4 of the ING DEVELOPMENT AUTHORITY Mort-

RANGE 5 EAST. The redemption period shall Northwest 1/4 of Section 34, Town 14 North, gagee/Assignee Schneiderman & Sherman,

be 6 months from the date of such sale unless Range 6 East The redemption period shall be P.C. 23938 Research Drive, Suite 300 Farm-

determined abandoned in accordance with 6 months from the date of such sale, unless ington Hills, MI 48335 USBW.001266 (11-

1948CL 600.3241a, in which case the re- determined abandoned in accordance with 29)(12-20) 48 & 49 & 50 & 51

demption period shall be 30 days from the MCLA §600.3241a, in which case the re-

date of such sale. MICHIGAN STATE HOUS- demption period shall be 30 days from the

ING DEVELOPMENT AUTHORITY Mort- date of such sale. TO ALL PURCHASERS:

gagee/Assignee Schneiderman & Sherman, The foreclosing mortgagee can rescind the

P.C. 23938 Research Drive, Suite 300 Farm- sale. In that event, your damages, if any, are

ington Hills, MI 48335 USBW.001074 limited solely to the return of the bid amount

48 & 49 & 50 & 51 tendered at sale, plus interest. If you are a

tenant in the property, please contact our of-

fice as you may have certain rights. Dated:

November 29, 2011 Orlans Associates, P.C.

Attorneys for Servicer P.O. Box 5041 Troy, MI

48007-5041 File No. 671.1192 (11-29)(12-20)

48 & 49 & 50 & 51