char emm nov12 by Dy6H5O

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									        Northern
      Credit Bureau
             P.O. Box 478
          Petoskey, MI 49770
   231-347-2583 Fax 231-347-2563




Public Record Bulletin
 Charlevoix, Cheboygan & Emmet Counties
              November 2012
November 2012
“The information contained in this bulletin is taken from public records. While every precaution is
observed, no responsibility is assumed for errors or omissions. The original public records are
open to public inspection and should be consulted before taking “any action” based on the
information herein.”
*********************************************************************************************


ASSUMED NAMES
CHARLEVOIX COUNTY
N. OLSON SERVICES                                         PHILLIP WILKINS CONSTRUCTION
01322 JEFFREY LANE, CHARLEVOIX                            02325 WASHINGTON, CHARLEVOIX
NICHOLAS OLSON                                            PHILLIP WILKINS

OH THE PLACES YOU’LL GO                                   JOHN BURKHARD CARPENTRY
2339 WILSON ROAD, EAST JORDAN                             07272 SPRINGVALE ROAD, PETOSKEY
SAMANTHA WARREN                                           JOHN BURKHARD

NORTHERN CASE MANAGEMENT LLC                              BIG DOG TOWING
12665 SEQUANOTA ROAD, EAST JORDAN                         12600 US 31 N #16, CHARLEVOIX
JANET RENKIEWICZ                                          STEVEN SCULLY

J&S AUTO BIG DOG TOWING                                   JBR GRAPHICS
17600 US 31 N #16, CHARLEVOIX                             515 MEADOW LANE, CHARLEVOIX
STEVEN SCULLY & JEREMY MOSES                              JOHN RATHJENS II

ACTIVATE AMERICA PUBLISHING COMPANY                       DAN VANSOOSTEN ENTERPRIZES’S
5115 KORTHASE ROAD, BOYNE CITY                            5300 MILES ROAD, EAST JORDAN
RONALD PARTON                                             DAN VANSOOSTEN

JAYS TOWING                                               HELLEBUYCK DRYWALL
12400 FLAGG ROAD, CHARLEVOIX                              2531 HEALEY ROAD, BOYNE CITY
CLINT BERLAGE                                             JAMES HELLEBUYCK SR

LINDA LINKLATER LTD                                       NATURALLY CHIC
820 PETOSKEY AVE #201, CHARLEVOIX                         608 MILE STREET, EAST JORDAN
LINDA LINKLATER                                           BRANDINA SCHWALM

CHARLEVOIX NEW YEARS BRIDGE DROP                          VERN GOODWIN CONTRUCTION
1302 BRIDGE STREET, CHARLEVOIX                            05405 US 131 NORTH, WALLOON LAKE
RICK RANDALL                                              VERN & KATHY GOODWIN

THE QUEENS OF CLEAN
3800 MILES ROAD, EAST JORDAN
GAERRIE & TRISHA STEFANIC

EMMET COUNTY
RD STORAGE                                                BLUE BAY PAINTING
1131 W CONWAY RD, HARBOR SPRINGS                          2126 US 131, PETOSKEY
RICHARD DARNTON                                           WILLIAM NORTHOVER
BOWENWORK WELLNESS AND PAIN RELIEF    CUSTOM PAINTING
1111 ½ E MITCHELL ST, PETOSKEY        1490 TRACY LANE, PETOSKEY
LAUREL SHELDON                        RICH CONTI


THE ROCKING HORSE                     CERTON CREEK FARMS
201 HOWARD, PETOSKEY                  7607 HIAR RD, LEVERING
ANDREW BULTMAN                        VERNON HIAR

PATRIOT DEFENSE                       VANDERPOL PAINTING
8969 M-119, HARBOR SPRINGS            5701 RESORT PIKE RD, PETOSKEY
JAMES ALTON                           JON VANDERPOL

CUSTOM MAID CLEANING                  RED TAIL WOODS COMPANY
2636 POWERS RD, ALANSON               3755 RUGGED ROAD, HARBOR SPRINGS
SANDRA SOMMERVILLE                    PETER O’ROURKE & PETER O’ROURKE JR.

STAN’S MAINTANCE SERVICE              MUNCHKIN MANOR WEBCAM DAYCARE
6600 OAK DR, HARBOR SPRINGS           1992 HARBOR PETOSKEY RD, PETOSKY
STANLEY KRUPA JR                      CYNTHIA ALEXANDER

TARA NICHOLE PHOTOGRAPHY              PETOSKEY SEWING CENTER
5166 VIS A VIS, PETOSKEY              1425 D SOUTH AIRPORT RD, TRAVERSE CITY
TAR HALLMAN                           SCOTT KRETA

CORNETT CLEANING SERVICES             LYNX EYE COMMUNICATIONS
3601 KALCHIK RD, PETOSKEY             702 KARAMOL CT, PETOSKEY
GRIAN CORNETT                         LIISA MORLEY

NORTHERN FLOOR COVERING               NORTHERN MICHIGAN COUNSELING
8630 MILTON RD, ALANSON               704 PETOSKEY ST, PETOSKEY
DANA GREENIER                         PETER BUCCI

UP NORTH SCHOOL OF COSMETOLOGY        INDEPENDENT CONTRACTOR
101 GREENWOOD CEMETARY RD, PETOSKEY   881 N AYR, PELLSTON
HARVEY NELSON                         JEFFREY BEAK

J.C. DRYWALL                          BEST FRIENDS DAYCARE
1520 BEAR CREEK LN APT D, PETOSKEY    9689 PICKEREL LAKE RD, PETOSKEY
JEFFREY CULP                          TANYA HOFBAUER

DENTISTRY BY THE BAY                  ACTIVATE AMERICA PUBLISHING CO
2050 M-119, PETOSKEY                  5115 KORTHASE RD, BOYNE CITY
JOHNNA DRISCOLL                       RONALDO PARTON

COTTAGE NEEDLEPOINT                   M.K. WALLACE NEEDLEPOINT
8198 MINK RD, HARBOR SPRINGS          8198 MINK RD, HARBOR SPRINGS
M.K. WALLACE                          M.K. WALLACE

HARBOR SPRINGS CUSTOM AWNING & SID    LARKS LAKE FOREST PRODUCTS
6464 HOYT RD, HARBOR SPRINGS          3311 LARKS LAKE RD, PELLSTON
DOUGLAS BEER                          WILLIAM BAILEY

T&J COMPANY                           ROBERT BAYHA CARPENTRY
7537 BURR AVE, ALANSON                3113 MAYBERRY HILL, PETOSKEY
TOM FAIRBAIRN SR                      ROBERT BAYHA

SYDOW TRIM WORKS
1455 WEST CONWAY, HARBOR SPRINGS
TIM SYDOW
CHEBOYGAN COUNTY
B & D MANAGEMENT                                     B TEAM
10022 AFTON RD, WOLVERINE                            107 SOUTH HURON ST, CHEBOYGAN
ROBERT MOODY                                         RICHARD BEDELL

CETRO CAPITAL CORP NEVIS                             CHARLIE’S
6330 M-33 HWY, ONAWAY                                12956 S STRAITS HWY, WOLVERINE
PAT HOLLEY                                           CHARLES KOEHLER

CLASSY LADY II                                       COMMUNITY RE-HAB CENTER
6086 LAKE STREET, INDIAN RIVER                       3589 S STRAITS HWY, INDIAN RIVER
JOANN RADTKE                                         RONALD VANCE


CORE CONSTRUCTION PLUS LLC                           DS & TB INC., DBA SOUTH END PARTY MART
2219 LEVERING RD, CHEBOYGAN                          11154 N STRAITS HWY, CHEBOYGAN
PAUL TRANQUILLA                                      DENNIS & SUZANNE HUG

FIREHOUSE BAR & GRILL HOTEL OPERATION                FRUITS OF LABOR
PO BOX 411, MACKINAW CITY                            15246 KEYSTONE LN, MILLERSBURG
DANIEL & TINA MALFROID                               JAMES & STEFANIE SEAMAN

GARLINGHOUSE CLEANING SERVICE                        K&M SERVICES
400 DUNCAN AVE, CHEBOYGAN                            4231 HESTER LN, WOLVERINE
JAMES GARLINGHOUSE                                   MARK GRIFFUS

MILLIRON CONSTRUCTION                                NORTHERN MICHIGAN CARPET
7088 BERRY CREEK RD, WOLVERINE                       1271 WOIDERSKI RD, CHEBOYGAN
DAVID MILLIRON                                       RICHARD KIRSCH

R&M CONSTRUCTION                                     RG F&S
1909 NICOLET RD, CHEBOYGAN                           12374 DEER TRAIL, WOLVERINE
MICHAEL WINTINK                                      REX GODDARD

ROB’S DRYWALL – ROBERT C. NORMAN II                  SOVRAN ENTERPRISE GROUP LLC
14631 ASHBROOK DR, WOLVERINE                         6330 M-33 HWY, ONAWAY
ROBERT C NORMAN II                                   PATRICK HOLLEY

REAL ESTATE MORTGAGES
CHARLEVOIX COUNTY
 ALDEN STATE BANK
 KENNETH & HOLLY HOGARTH                135,229.00

                                          TOTAL:     135,229.00

 ALLY BANK
 RAYMOND & TRISHA LIFER                  84,700.00


                                          TOTAL:     84,700.00




 BANK OF NORTHERN MICHIGAN
 STEPHEN & KAREN WHITTAKER               61,000.00   MAX ANDERSON & CAITLIN COX               120,918.00
 CHRISTOPHER & RICHELLE MCKAY            64,500.00


                                          TOTAL:     246,418.00
BAY WINDS FEDERAL CREDIT UNION
KATHY & VERN GOODWIN              66,250.00    KATHY & VERN GOODWIN         15,000.00
WILLIAM & GAYE HOTT               38,000.00    MATTHEW & NICOLE WILLIAMS    50,000.00
MATTHEW & NICOLE WILLIAMS         63,500.00    BRADLEY & LYNDA WARD         50,000.00
ROBERT PAWLUS                     59,300.00    DAVID KITTREDGE              60,000.00


                                    TOTAL:     402,050.00

BLUEGREEN CORP
MELINDA & JOHN SZASZ              11,747.67    JEAN MONIER                   7,548.01
JAMES & JANET MINNIEWEATHER        6,650.00    FREDDIE & TRACIE DAVIS        7,729.70
DENNIS & JOANNE SIDELINGER         7,991.93    DENNIS & WHITNEY LINK         7,380.00
ERIC & APRIL MEYER                 7,110.00    ROBERT ANGUIANO               2,274.35
KATHY LEE                          6,037.60    DENNIS & LAURA HAWTHORNE      9,705.15
ANGELINA & ANDREW CRUMP            5,836.18


                                    TOTAL:     80,010.59

CHARLEVOIX STATE BANK
KENNETH & NANCY KLINE             252,724.18   SCOTT & KATHLEEN BEATTY     107,000.00
JACK & NELDA HOUSTON              250,000.00   STEPHENS & MARIE SMITH      110,400.00
BRIAN & CYNTHIA FARRELL            46,800.00   SHARON VIK                   50,000.00
PINE RIVER BUILDING LLC         1,465,013.67   CYNTHIA WHEELEY             441,984.68
DONALD COLE & SHARON NIX          169,671.30   DONALD COLE & SHARON NIX     36,064.34
SALLY BALES & GEOFFREY NELSON     222,000.00   DEBRA WOODWARD               40,000.00
JAMES & DOUGLAS FRYE               20,000.00   FREDRICK & SUZANNE HOWELL   375,000.00
THOMAS & ELAINE BIRGY              60,000.00   NICOLE & KYLE KOPYTKO       102,000.00
MARK & TERESA SCHEPER              78,400.00   STEVEN & JULIE VOCI         244,900.00
JOSHUA & DOMINIC GREENMAN         134,895.16


                                    TOTAL:     4,206,853.33

CHEMICAL BANK
KURT & LINDA BEUTHIN            2,040,600.00   DARREN & KELLY ROMANO       200,000.00
ROBERT & KRSTIE HOHN              392,800.00   KENNETH & TONYA SHUMATE     150,000.00
STEVEN & SUSAN WYLIE              166,875.00


                                    TOTAL:     2,950,275.00

CITIZENS BANK
PETER & KERRY ZAHNER              15,000.00    JANET & RONLD THOMSON        80,000.00
JAMES & HELEN TRUCHAN             80,000.00


                                    TOTAL:     175,000.00

FIFTH THIRD
JOEL & MARSHA ANNIS               67,845.00    DENNIS & JILAINE CRISSMAN    56,000.00
LARRY & DAWN MOESCHKE            116,550.00    JENNIFER TOOHEY             393,500.00
ROBERT & KATHLEEN HAND           150,000.00    ROBERT KENNEDY              233,100.00
ROBERT & JUDY BRYAN               61,000.00    STEVEN & DEBORAH CARLSON     70,000.00
BRIAN GRANDON                    137,464.00


                                    TOTAL:     1,285,459.00
FIRST COMMUNITY BANK
JONATHAN & NANCY SIMON           216,000.00   DENNIS & MONA O'NEIL                28,600.00

                                   TOTAL:     244,600.00

HUNTINGTON BANK
DENNIS & MARY JASON               92,000.00   HOWARD & PAMELA POLOM              101,279.13
LOUIS & JENNY GRABOWSKI          130,500.00   MICHAEL & JO TRIXLER                50,000.00
RICHARD & MELANIE BOERMAN        180,000.00   MICHAEL & AMY MANSFIELD            187,500.00
JESSE & NANCY ROBERTSON           41,400.00   LEE & THERESA LUTES                256,000.00
PATRICIA WHIPPLE                  12,802.80


                                   TOTAL:     1,051,481.93

INDEPENDENT BANK
BRIAN & CHARLOTTE BATTJES        144,000.00

                                   TOTAL:     144,000.00

JP MORGAN CHASE BANK
CEDRIC & TERESA BUTLER           105,308.00   MELISSA BERNS                        80,000.00
MARJEAN BENNETT                   54,689.00   KERRY & SUSAN HOCQUARD               65,500.00
NEAL & DEORAH WILSON              68,923.00   ROBERT & SHARON HELM                 66,853.00
NANCY MALLOURE                   572,000.00   THOMAS & SARAH STOVER             1,140,000.00
JAMES & JO OWENS                  92,400.00


                                   TOTAL:     2,245,673.00

MEMBER FIRST MORTGAGE
JAMES & JANET RYKSE              128,000.00   JEFFREY & RONDA SMITH              173,000.00

                                   TOTAL:     301,000.00

NORTHWESTERN BANK
CHARLES SHERPING                 133,804.06


                                   TOTAL:     133,804.06

NORTHWESTERN MORTGAGE
TODD & NICOLE STERRETT           155,000.00   DAVID & DONALEE VERMEESCH          220,900.00
MARK & AMBER DRENTH              182,100.00   JERRY & SUZANNE STANBROUGH          74,000.00
LUCAS SPENCE & REBECCA BERNIER   119,715.00   JOSEPH & MARK BEAUDOIN              60,000.00
GARY & CHARLENE ROBERTS          114,270.00   DONALD & REBECCA STREETER          106,900.00
GREGORY & JESSICA PORTER          96,500.00   LORI RICHARDS & BRIAN KACZMAREK     48,750.00
KEVIN & DIANE KOENIGSKNECHT      130,000.00   SUSAN HENDERSON                    119,100.00
JANE & SCOTT CRAIN                82,200.00   AMBER & BRYAN SOUTHERTON           161,620.00
TERRY & BRENDA URMAN             162,300.00


                                   TOTAL:     1,833,355.00

QUICKEN LOANS
HARRY WRIGHT                      97,400.00   RICHARD & RHONDA KLINE III         177,300.00
JOHN THURMAN                      82,200.00


                                   TOTAL:     356,900.00
STRAITS AREA FCU
KAY ABRAMSON                            48,000.00


                                         TOTAL:      48,000.00

ST. FRANCIS X. FCU
BENJAMIN & STACEY SPENCER              202,215.56


                                         TOTAL:      202,215.56



WELLS FARGO
ERNEST SHOVE                            71,677.00    JULIE & RONALD EDWARDS         114,280.15
ELDON & MARY ZUCHETTO                  125,000.00


                                         TOTAL:      310,957.15

MISCELLANEOUS
HARRY CENDROWSKI & MAREEN NULTY                 TALMER BANK AND TRUST              245,000.00
DOUGLAS & KELLY BARCLAY                         DMDV PROPERTIES LLC                349,000.00
FREDEREICK & DENE NESBITT                       KEYBANK NATIONAL ASSOC              50,000.00
GREGORY & LAURA PACKER & STEVE MATTA            TALMER BANK AND TRUST            1,785,000.00
JOSHUA & LAURA MITCHELL                         GUARDIAN SAVINGS BANK FSB          174,000.00
ROBERT, CATHERINE & MARY WILSON                 UNION NATIONAL MORTGAGE CO         303,000.00
TIMOTHY & KATHLEEN SHAW                         RBS CITIZENS                       750,000.00
THEODORE & PHYLLIS KONIECZNY                    PNC BANK                           116,916.00
FRANK STABLEY                                   UNITED WHOLESALE MORTGAGE           85,500.00
MARK & KATHY JANSSEN                            AMERA MORTGAGE CORP                 82,600.00
DOUGLAS & DANA MOORE                            ISABELLA BANK                      185,000.00
BENJAMIN & SHAUNA STUTZMAN                      FIRST MORTGAGE LLC                  58,193.00
MICHAEL & MARTHA MCKENZIE                       NATIONAL BANK ASSOCATION           120,325.00
CYNTHIA NELSON & JOHN BURGE                     GOLD STOR MORTGAGE                 409,800.00
CLAYTON & MONICA PERRY                          PNC BANK                           502,000.00
ERIC & ELIZABETH ROSEKRANS                      SUMMIT COMMUNITY BANK              252,000.00
BRENT ALBERTSON                                 AMERISAVE MORTGAGE                 417,000.00
DUSTIN & DOROTHY STABILE                        MBANK                              120,700.00
SHERYL STEPHENS & DANIEL ROESNER                RAYMOND JAMES BANK NA              950,000.00
RICHARD & DANA PAJTAS                           SUMMIT COMMUNITY BANK              361,600.00
MYKE & CATHERINE SHERMAN                        LIMITED LIABILITY CORP             104,400.00
TOBY & REBECCA KING                             FLAGSTAR BANK                      106,245.00
SUSAN LOOMIS                                    CITIBANK                           144,788.00
MANUEL & ASTRID VALDIVIESO                      UNITED WHOLESALE MORTGAGE          261,000.00
LEON & LISA CAREY                               ROUNDPOINT MORTGAGE                 63,210.00
DOUGLAS & JANICE SCHNECK                        AMERIHOME MORTGAGE CORP            312,375.00
JOSEPH & LINDA LONGO                            INSIGHT FINANCIAL SERVICES         344,000.00
DAVID & JANET PAUL                              MASON STATE BANK                    90,000.00
SHAWN & MARY DITTRICH                           JOHN ADAMS MORTGAGE CO             166,000.00
TERRY & MARILYN NIELSEN                         AMERIFIRST FINANCIAL CORP.         325,000.00
SAMUEL DRENTH                                   FRONT STREET MORTGAGE               56,122.00
RICHARD & JANET APPLIN                          GUARDIAN MORTGAGE CO                76,000.00
JONATHAN & KARLA BOOKO                          CONSUMERS CREDIT UNION              43,000.00
JOHN & ZITA WINN                                COMERICA BANK                      300,000.00
DUANE SMITH                                     PNC BANK                           512,000.00
CHRISTOPHER CROSSEN & DEB WILEY                 BANK OF AMERICA                     96,800.00
RALPH & MARY DIETZ                              NORTHWEST FEDERAL CREDIT UNION     195,000.00
TIMOTHY & JENNIFER LEAVENWORTH             LAKE MICHIGAN CREDIT UNION                   90,750.00
TIMOTHY & BETH BOUTELL                     SIGNATURE BANK                              750,000.00
GEORGE & JUDY KOTALIK                      GENERATION MORTGAGE                         157,500.00
GEORGE & JUDY KOTALIK                      SECRETARY OF HSING & URBAN DEV              157,500.00

                                                                            TOTAL:   11,669,324.00



CHEBOYGAN COUNTY
 ALDEN STATE BANK
JOHN & WENDY BUBAK                417,000.00


                                    TOTAL:      417,000.00

ALLY BANK
LESTER & PEGGY BRUSCHA            135,300.00    GREGORY & CECELIA POTTER               123,300.00
SEAN & ELIZABETH MCNEIL           128,000.00


                                    TOTAL:      386,600.00

BANK OF NORTHERN MICHIGAN
ROBERT & JANET MORRIS             126,000.00    FREDERICK & SUSAN HALL                 230,000.00
JAMES BYRNE                       407,500.00


                                    TOTAL:      763,500.00

BAY WINDS FEDERAL CREDIT UNION
DUANE & MARY BACON                126,000.00


                                    TOTAL:      126,000.00

CITIZENS NATIONAL BANK OF CHEBOYGAN
BARBARA SISCO                      61,600.00    DALE & PATSY SELIN                     151,500.00
CHARLES & SALLY KRAEGEL           110,200.00    JAMES TURNER                           116,000.00
FLOYD & TIFFANY HOLLOPETER         78,400.00    RYAN WOODS                              86,500.00
DARREN, DONALD & CECILIA SELDEN    92,000.00    VICTOR & MICHELE ENOS                   91,300.00
KEVIN SLIVA                       112,000.00    STEPHEN & SHARON CHURCHILL              95,000.00
ROBERT & DEBORAH VER BERKMOES      55,550.00    KRISTINE VIZINA                         40,800.00
KEVIN PARROTT                      44,000.00    SHAWN & JENNIFER SHELDON               136,500.00
STEPHEN & SHARON CHURCHILL         65,000.00    JAMES & CAROL KINDER                   100,000.00
CHARLES & CHRISSY SUTTERLY        172,500.00    JAMES & JENNIFER HANCHETT              399,500.00
RAYMOND & LOIS ZOLLNER             10,000.00    KENNETH & DOLORES SHELDON              140,000.00
MARSHALL & RAEYWEN BECK           120,000.00    ANTHONY & GINA EUSTICE                 135,000.00
AARON & CHRISTINE GAUTHIER        102,950.00


                                    TOTAL:      2,516,300.00

FIFTH THIRD
LYNN & JACQUELINE ROEMER          163,069.00    ERICK & LESLIE SPIES                   101,600.00
NANCY LEEDS                        84,000.00    CARL & MARY WEBB                        49,600.00
MARGARET & PEGGY HEAD             110,000.00    ERIK & JENNIFER BENEDICT               210,700.00
DEBRA WALKER                       38,350.00    JAMES & MARGARET STELLER               178,700.00
CHARLENE MCCLURG                  417,000.00

                                    TOTAL:      1,353,019.00
FIRST COMMUNITY BANK
ERIK & JULIETTE OSTERLUND        120,000.00   GREGORY & TERI ELLIOTT          16,800.00
JOHN & SHIRLEY GORDON             17,000.00

                                   TOTAL:     153,800.00

FIRST FED OF NORTHERN MI
RICK & YVONNE LASHUAY             88,000.00   RICK & YVONNE LASHUAY           20,000.00
PHILLIP JANKOVIAK                 49,400.00   DUANE & CYNTHIA MCDOUGALL      115,000.00
GAIL & MONA SCHARFFE              45,000.00   GAIL & CARMEN SCHARFFE          95,300.00
REGINA COUTURE                    91,200.00   GAIL & MONA SCHARFFEE           20,000.00
REGINA COUTURE                    12,800.00   KENNETH & MARY RICHARDSON      107,000.00
JOHN WALLACE & MARY KRAYWINKEL    96,000.00   SIDNEY & BEVERLY BAKER          92,000.00
HAROLD & JULIE BERGQUIST          91,000.00


                                   TOTAL:     922,700.00

HUNTINGTON BANK
CHARLES & MEREDITH HAVENS         78,795.00   ROBERT & MARY ANN HUNTINGTON   300,000.00
MICHAEL & ALEXIS KUS             393,750.00


                                   TOTAL:     772,545.00

INDEPENDENT BANK
JOHN SARA                         42,500.00


                                   TOTAL:     42,500.00

NORTHWESTERN BANK
WILLIAM & KAREN KELLY             49,523.06   CURTIS & JENNIFER JEFFERS      140,000.00


                                   TOTAL:     189,523.06
NORTHWESTERN MORTGAGE
SCOTT & KELLY MELL               130,400.00   CRAIG & JULIE WALDRON          271,000.00
PAMELA & GARY FLONES             110,000.00   DAVID & MARY LINTZ             268,000.00
JASON & KIMBERLY JONES           102,400.00   RALPH & AMY DUBEY              186,000.00
JEFFREY & MICHELLE SCHAEFER       70,000.00

                                   TOTAL:     1,137,800.00

ONAWAY COMMUNITY FCU
JASON & KRISTY LARSON            110,230.00   BARRIE DUNSEATH                 38,000.00
CHARLES & AUDREY CHAPMAN         106,210.00   GEOFFREY & LAURIE GREENWAY      88,242.00


                                   TOTAL:     342,682.00
QUICKEN LOANS
CARL & PAMELA KRANZO            74,025.00    DOUGLAS & CAROL DICKINSON        60,000.00
DAVID & DENISE CARPENTER       273,000.00    GORDON & DEBRA PEARSON           82,900.00
DEIDRA GOSLINE                 193,600.00

                                 TOTAL:      683,525.00



ST. FRANCIS X. FCU
MARGARET CARLSON                25,000.00


                                 TOTAL:      25,000.00




WELLS FARGO
ROBERT & CAROL MILLER          435,750.00    RYAN LUTZ                        65,197.00
WILLIAM & NIDIA SOULLIER        67,033.60    FRANK & PAMELA OLDS              78,550.00


                                 TOTAL:      646,530.60




MISCELLANEOUS
TRUDY CASH                              AWAKON FEDERAL CREDIT UNION           15,000.00
ARNOLD & DAWN GELDERMANS                ANN ARBOR STATE BANK                 285,900.00
LARRY & KAREN WALKER                    BANK OF AMERICA                      111,750.00
JOSEPH & CHRISTY SHAMPINE               CHIPPEWA VALLEY BANK                 118,000.00
ROBERT & AMANDA BENTLEY                 BANK OF AMERICA                       96,000.00
BRYAN & JAIME WOLLANGUR                 PNC BANK                              83,973.00
ANDREA HURRELL & DAWN ARNOLD            FIRST NATIONAL BANK OF ST IGNACE     160,000.00
REAL KING LLC                           MICHIGAN CERTIFIED DEV. CO         1,440,000.00
REAL KING LLC                           MICHIGAN CERTIFIED DEV. CO         1,440,000.00
JAMES & LINDA EVERIDGE                  AMERIFIRST FINANCIAL CORP.            99,700.00
DAVID & KAREN REHN                      DFCU FINANCIAL                         8,300.00
EDWARD & JEANNE PERRY                   PNC BANK                              74,177.82
TIMOTHY & PENNY TREADWAY                AMERIFIRST FINANCIAL CORP.           136,482.00
TIMOTHY & ELIZABETH MARASCO             UNION NATIONAL MORTGAGE CO           417,000.00
ADAM & ANN BURY                         CITIBANK                             249,580.00
KATHLEEN & GALE ROSS                    MICHIGAN HOMEOWNER ASSIST.             4,440.26
PETRA & RUSSELL BALDWIN JR              MICHIGAN HOMEOWNER ASSIST.             7,097.02
LAURA & MARK STORMZAND                  MICHIGAN HOMEOWNER ASSIST.             6,766.55
VIRGIL & VIRGINIA ADAMS                 GREENSTONE FARM CREDIT               215,000.00
NATHAN & SHERRI KRINSKY                 ING BANK                             600,000.00
GARETH & LAVONNE REED                   UNITED BANK & TRUST                  386,000.00
KATHI HALVIN                            WANIGAS CREDIT UNION                 156,800.00
ROBERT & KAREN DARNELL                  PNC BANK                              51,000.00
JONATHAN FUGATE                         COMMUNITY FINANCIAL MEMBERS           63,175.00
MATTHEW & SANDRA VISCONTI               PNC BANK                             562,800.00
CHRISTOPHER & LAURA MESO                BANK OF AMERICA                      210,000.00
CHRISTY BEAUCHAMP                       LAKE MICHIGAN CREDIT UNION           196,500.00
HARRY & JESSIE WALDIE                   HURON NATIONAL BANK                   33,729.60
KEVIN & RITSUKO VANGORDON               PNC BANK                             206,092.00
GLEN & SUSAN DIETERLE                   RBS CITIZENS                         354,000.00
LANDA BUILDING COMPANY LLC              PNC BANK                             164,000.00
TROY & ANGELA ROZNOWSKI                 EVERBANK                             106,800.00
STEVEN & MARY OEHLER                      MAIN STREET BANK                         331,000.00
DAVID & MONA BOHN                         PNC BANK                                 100,100.00
SHELVIA SIDES                             COMMUNITY FINANCIAL MEMBERS               25,000.00
DAVID & KRISTON ASHENFELTER               MBANK                                     70,000.00
JAMES & SUSAN GARTIN                      ALERUS FINANCIAL                         220,125.00
RONALD & PEGGY MAYNARD                    CALCITE CREDIT UNION                      67,000.00
DONALD & HOLLY SICHTA                     PNC BANK                                  29,000.00
ROBERT & DEBRA LEMMER                     HEARTLAND HOME MORTGAGES                 118,000.00
GRAY & CAROL FISCHER                      WOLVERINE BANK                           242,000.00
RODNEY & COLETTE SULLINS                  FIRST FEDERAL OF THE MIDWEST             252,000.00

                                                                         TOTAL:   9,514,288.25

EMMET COUNTY
 ALLY BANK
PETER & LINDA LOEPKE             278,473.00


                                   TOTAL:      278,473.00

BANK OF NORTHERN MICHIGAN
MARVIN & DAPHNE KILPATRICK        80,778.00    CHARLES & STEPHANIE LICATA             316,000.00
MATTHEW & JESSILYNN NORCROSS     104,000.00    GILBERT O'GAWA                         405,000.00
JANET TIRONY                     167,000.00    PHIL & KIM LOESCH                      130,000.00
TIMOTHY & JENNIFER DAVIS         225,650.00


                                   TOTAL:      1,428,428.00

BAY WINDS FEDERAL CREDIT UNION
LAVERNE & MARIA EBY               50,000.00    CAROL & SHARON & GEORGE RAMEY           20,500.00


                                   TOTAL:      70,500.00

CHEMICAL BANK
MARVIN & JANICE BIXBY             30,000.00    SCOTT & PENNY SUE FAUSTYN              160,000.00

                                   TOTAL:      190,000.00

CITIZENS BANK
TIMOTHY STATLER                  179,071.00

                                   TOTAL:      179,071.00

CITIZENS NATIONAL BANK OF CHEBOYGAN
KENNETH & CYNTHIA COY            136,000.00    ROBERT HUNT                             61,600.00


                                   TOTAL:      197,600.00
FIFTH THIRD
VALERIE WATERSON                60,000.00   PRICE & HELEN DIGIULIO               94,000.00
SALLY WINN                      72,800.00   JOHN & BETH BROMAN                  111,000.00
SUSAN & JERRY LECHOWICZ         86,000.00   DIANA SOUZA                          25,000.00
MICHAEL & TAMI FRAMPUS          95,100.00   ELLA GOUGH                           95,850.00
JOHN & SHARON MARCZAK           62,500.00   BENJAMIN & JULIE JOHNSON             93,800.00
REBECCA FOSMORE                 31,936.00   ANDREW & ELIZABETH TEKLINSKI        417,000.00
JARED & MELISSA URMAN          155,500.00   FRANKLIN & NOREEN TARQUINI           99,800.00
SUSAN STOUT                    182,000.00   DAVID & SHERI GRANDY                261,500.00


                                 TOTAL:     1,943,786.00

FIRST COMMUNITY BANK
SCOTT CONTI                     38,700.00   RICHARD & JIN PILON                  50,000.00
JONATHAN & NANCY SIMON         216,000.00   VAN TREESE LLC                      105,000.00
LESLIE & CRAIG COTTRILL        150,000.00   JUDY & ROBERT REVALLO                60,000.00
WILLIAM & SHELLEY HUNSBERGER    49,000.00   SANDRA CROLL                        238,875.00
WALTER PAIR & DREW LAUREN      214,800.00   GARY & JEANNE HICE                  135,000.00
JOEL & DOROTHY WURSTER         161,250.00   PAUL & LONA HORN                    117,000.00


                                 TOTAL:     1,535,625.00

FIRST FED OF NORTHERN MI
MICHAEL FISHER                 295,000.00


                                 TOTAL:     295,000.00

HUNTINGTON BANK
LANCE DYKSTRA                   63,000.00   CHARLES & SANDRA SHAW               284,000.00
JAMES KITSON                    16,246.00   GREGORY & LEE ANNE ALLISON          232,000.00
SCOTT ST ARNAUD                 59,200.00   SIDNEY & ALICE FRANK                399,000.00


                                 TOTAL:     1,053,446.00

INDEPENDENT BANK
LESLIE & LAURA JACKSON         125,000.00

                                 TOTAL:     125,000.00

JP MORGAN CHASE BANK
FRED & LAURIE BINGAMAN          83,615.00   ROGER & RACHEL ERICKSON              100,800.00
RICHARD & ELIZABETH KIRBY      184,110.00   KATHLEEN BEER                         98,500.00
JAMES & GILDA CIOTTI           102,800.00   ROBERT FRETZ                         106,200.00
CYGNUS INVESTMENTS LLC         525,000.00   CHARLES KEARNEY & AARON BUKLEY        67,893.00
 AIMEE DRYER                    91,766.00   ANDREW KELLER & MARY JO FLAHERTY   1,050,000.00
BUSINESS SERVICE GROUP         112,000.00   DOUGLAS & BEBRA BOWHALL              167,839.00
JUSTIN & JULIA DOUGLAS         367,250.00   JON & ANN HOWARD                      79,045.00
LAURIE LODRIGE                 170,000.00   JOHN & JACQUELENE GREBE               84,779.00

                                 TOTAL:     3,391,597.00
MEMBER FIRST MORTGAGE
COREY RICE                       199,496.00   TIMOTHY & LISA KOETJE             140,000.00
JOHN & JILL TOMPKINS              95,000.00   JOHN & JILL TOMPKINS               95,000.00
SCOTT KINGDON & JOAN FLINSPACH    94,160.00

                                   TOTAL:     623,656.00

NORTHWESTERN BANK
JOHN & CHRISTINA CRINNION         58,608.07   CASEY DOCHERTY                     94,250.00
TED & SUE TELLER                  23,000.00   JAMES & DEBORAH GABRICK            26,000.00


                                   TOTAL:     201,858.07
NORTHWESTERN MORTGAGE
MATTHEW & ELIZABETH MROZINSKI    260,000.00   PATRICIA SHAPTON                   22,000.00
PALRICK & LISA LEAVY             141,000.00   DAVID ERICKS                      277,025.00
JAMES & DEBORAH GABRICK          150,000.00   JACOB & MARYANN HALL              115,280.00
GREGORY & JILL NUDING            417,000.00   ETHAN & REBECCA SWIGER            187,000.00
NICHOLAS & JESSICA FETTIG         92,000.00   ERIC & JENNIFER WOOD               96,200.00
TED & SUE TELLER                 108,000.00   THOMAS TOMALKA                    128,000.00
DOUGLAS & MARISSA LARSON         110,160.00   CHRISTINE WEBSTER                  55,500.00
ROBERT & SUZANNE DAVIS            94,400.00   KEVIN DONNER                       78,800.00
MAX ENGELMAN                     200,000.00   AMANDA & HENRY HUME               141,500.00
GREGORY & JILL NUDING            417,000.00   MARQUERITE GRAHAM                 155,000.00
DAVID & OLENA TAYLOR             246,000.00   BEVERLY MOORE                     164,000.00
MATTHEW & AMY KRING              116,000.00   MICHAEL & VICKEY KASUSKE           79,000.00
JOSHUA & RACHELLE LAHAIE          88,000.00   PAUL & MEGAN RETHERFORD           168,000.00
JOSEPH & BARBAR BIENIEWICZ       200,000.00   BRIAN & LAUIE LEWIS               185,000.00
JEFFERY BODETTE                  154,000.00   DANIEL & KATHERINE RUPP           198,000.00


                                   TOTAL:     4,843,865.00

QUICKEN LOANS
GARRY & VICTORIA MOORE           153,350.00   LEWIS EDSALL                       99,200.00
MICHELLE & ARIC KRUSSELL          93,400.00   COURTNEY COOLEY                    84,900.00
JOHN THURMAN                      71,800.00   DAVID & DIANE CREAMER             396,750.00


                                   TOTAL:     899,400.00

ST. FRANCIS X. FCU
KATHY ORY                         16,800.00   MARCO & CYNTHIA YAUNI              54,000.00
CONWAY STORAGE INC               200,000.00   BRYAN & JUDITH                    156,600.00
THOMAS & ELIZABETH MANSFIELD      60,000.00   DAVID & DOREEN KRESNAK            342,000.00
TIMOTHY & KENDRA DAVIS            55,000.00   CHARLOTTE PIEHAL                   23,505.64
CRAIG & LUCINDA WHITLEY          248,500.00   ARTHER & AGNES SHAW                35,000.00


                                   TOTAL:     1,191,405.64

WELLS FARGO
DEXTER & DEBORAH MCNAMARA        103,300.00   PATRICK FAYLOR & CYNTHIA SURELY   215,624.00
JAMES & STEPHANIE FLOM           270,000.00

                                   TOTAL:     588,924.00
 MISCELLANEOUS
 LOU ANN & MARK SELLERS                        MI STATE UNIVERSITY FEDERAL CU             19,000.00
 JESSICA & JUSTIN STUBBS                       BANK OF AMERICA                           151,855.00
 KAT & ROBERT DENTEN                           CITIBANK                                   91,333.00
 TERESA & JAMES DAUNTER                        PNC BANK                                  120,000.00
 JAMES & JANE HAUGH                            BMO HARRIS BANK                           625,000.00
 ANDREA SARTO                                  COMMUNITY FINANCIAL MEMBERS FCU            36,500.00
 ELAINE SIWIEC & JOHN HOULE                    PNC BANK                                   22,000.00
 WAYNE & CATHLEEN SCHAEFFER                    GOLD STAR MORTGAGE FINANCIAL              336,500.00
 PHILIP & CINDY BELSKI                         MI HOMEOWNER ASSIST NONPROFIT              10,154.98
 LORI ANDRZEJEWSKI                             MBANK                                     106,400.00
 CLINTON & JANET SHUMAN                        EVERBANK                                  306,000.00
 JENNIFER HAND & WILLIAM SHIRELY SR            UNITED STATES DEPART OF AG                 83,000.00
 WAYNE & CATHLEEN SCHAEFFER                    GOLD STAR MORTGAGE FINANCIAL              336,500.00
 RICHARD & BETTE HENDERSON                     SUMMIT COMMUNITY BANK                      10,000.00
 NICHOLAS & DANIELLE MCINTOSH                  WOLVERINE BANK                            246,500.00
 KARL & KIMBERLY GRETZINGER                    NORTHSTAR BANK                             37,500.00
 SAMES SIVRAIS                                 US BANK                                   108,015.00
 THAD & DORIS MCGEHEE                          INTERBANK MORTGAGE                        118,500.00
 KIMBERLY & MARK SCHWARTZ                      BANK OF AMERICA                           259,000.00
 CHARLES & DOROTHY WALTERS                     ARREST BANK                               113,315.00
 DENNIS & LINDA PAGANINI                       TOP LITE FINANCIAL                        150,000.00
 MICHAEL & MARILYN CUMMINGS                    PNC BANK                                  272,000.00
 BETSY STAMPER                                 UNITED STATES DEP. OF AG                  118,500.00
 ROBERT & SANDRA HOLBEN                        UBS AG TAMPA BRANCH                       315,934.00
 CLAS NILSTOFT                                 BANK OF AMERICA                           432,000.00
 FREDERICK & JANET KLEIN                       LOAN DEPOT                                269,000.00
 KAREN CARSON                                  CITIBANK                                  113,731.00
 MELVIN & LORI STEPHENS                        GOLD STAR MORTGAGE FINANCIAL              195,000.00


                                                                            TOTAL:      5,003,237.98



NOTICE OF FORECLOSURE
BRYON & MICHELLE HITNER                      EVERBANK                 $    185,352.13
KENNETH BUTCHER                              NATIONAL CITY BANK             70,940.97
JEREMY BROWN                                 ONEWEST BANK                  394,330.08
DARRYL SMELTZER                              OCWEN LOAN SERVICING          183,888.66
MICHAEL & SHAUNA SIMKINS                     BANK OF AMERICA               119,854.48
CLYDE MCMICHAEL                              MID-FIRST BANK                161,442.24
WILLIAM & VIRGINIA KING                      CITIMORTGAGE                  368,385.18
JEREMY & KATE BROWN                          ONEWEST BANK                  394,330.08
ELIZABETH & MATTHEW UEHLEIN                  COUNTRYWIDE HOME LOANS        123,545.31
MELISSA & DAVID CHARTIER                     US BANK NATIONAL ASSOC         87,801.09
ANGELA & WILLIAM DUNSTAN                     NATIONAL CITY BANK            149,418.16
MICHAEL & SAUNDRA DENNIS                     NORTHWESTERN MORTGAGE         272,809.46
NANCY KESHISHIAN                             CITIMORGAGE INC               290,958.15
SCOTT & DEANNA CHRISTY                       NORTHWESTERN MORTGAGE          90,900.92
DAVID & CHRISTINE ALLEN JR                   THE BANK OF NEW YORK MELLON   146,846.03
JOHN & CHERYL LOZAK                          HSBC BANK                     521,765.63
MARK & ANNE MARIE EATON                      OLD KENT BANK                 198,999.82
CAROL & DAVID HIMEBAUCH & MALISSA ROBINSON   CITIMORTGAGE                  116,741.58
CHARLES & JENNIFER JAMROZ                    MIDFIRST BANK                  91,605.23
ELIZABETH MCPHAIL & MATHEW UEHLEIN           COUNTRYWIDE LOANS             123,545.31
LIENS
CHARLEVOIX COUNTY
DANIEL ZIPP                                  IRS     $   10,280.82
BLOSSOM BUILDING & PEST CONTROL INC          STATE        2,007.63
BENNETTS AUTO PARTS & SERVICE                STATE        7,872.57
JEROME BARANSKI                              STATE        2,192.45
J&J TRANSPORT LLC                            STATE       11,950.37
ROGER & DYAN CONAWY                          STATE       39,870.78
IMEL MATHEW                                  IRS         38,256.96
SAMMICH N SUDZ CORP                          IRS         22,033.89
SCOVIES GOURMET INC                          STATE        7,733.07

EMMET COUNTY
CHARLES & DIANA PAIGE                        STATE   $   30,252.88
BARBARA KROLL (JESPERSONS RESTAURANT)        STATE        2,713.81
GEOFFREY PASFIELD                            STATE          852.55
JOHN ANDREW                                  STATE          830.72
PETER ROUKEMA                                STATE          552.19
LINDA ROWLAND                                STATE          567.88
RICHARD & ANNE DARGA                         STATE        1,165.00
A COOL BREEZE INC                            STATE        7,540.56
JAMES LIPSCOMB                               STATE          896.20
GARY HANNAN                                  STATE          909.43
HARRY COLFER CARDIAC CONSULTANTS PC          STATE        4,278.00
JOYCE BOENING                                STATE        3,825.90
JEREMIAH MOORE                               STATE        8,106.87
MARC & MARCEE BEAUDET                        STATE          806.14
KENNETH & MARY ROBERTS                       STATE        1,545.41
LEVERING CAFÉ                                STATE        4,439.51
NATALIE CHARLTON                             STATE          578.45
SUNRISE RESORTS                              STATE        4,817.35
PATRICK OTTO                                 STATE        3,230.56
GODS GREEN EARTH                             STATE       15,103.43
NAV-TEK MARINE LLC                           IRS         25,704.35
JOHANS PASTRY SHOP INC                       IRS         16,520.25
MUNCHKIN MANOR (CYNTHIA ALEXANDER)           IRS         16,172.97
DALE & AMANDA LABRIE                         IRS         33,931.15
DION FINEOUT                                 IRS            753.88
CEDAR CREEK INTERIORS                        MESC           638.62
A CHOCOLATE MOOSE (KILWINS-HARBOR SPRINGS)   MESC           264.97
ALLITON INC (KRUEGERS FISH MARKET)           MESC         4,607.09
ARBUTUS INC, CEDAR CREEK INTERIORS           MESC            42.12
A CHOCOLATE MOOSE (KILWINS HARBOR SPRINGS)   MESC            69.92
HARBOR PARK MARKET INC                       MESC           110.86
INGLESON LAW FIRM PC                         MESC           383.55
INGLESON LAW FIRM PC                         MESC           194.65
HIDDEN BROOK COUNSELING                      MESC           599.46
HARRY INGLESON II PC                         MESC            30.00
HT ROOFING CO                                MESC         2,521.47
NORTHWEST DECORATIVE CONCRETE LLC            MESC            42.27
HARBOR SPRINGS HOTEL LLC                     MESC            28.78
NORTH COAST IMAGEWEAR                        MESC         1,105.10
HARBOR SPRINGS HOTEL LLC                     MESC            95.78
PLATTE CONSTRUCTION CO                       MESC           279.64
HEAVENLY SOLES LLC                           MESC           312.33
HARBOR SPRINGS COMMUNITY DAY CARE            MESC         2,863.76
NU TREND FINISHING INC                       MESC           119.04
PLATTE CONSTRUCTION CO.                      MESC           258.87
PARALLEL 45 GROUP INC                        MESC         2,232.31
PAM & KIMMY PFEIFLE (ISLAND BEAN COFFEE)     MESC            48.00
PRIMARY CARE SPORTS MEDICINE                 MESC           584.53
PRIMARY CARE SPORTS MEDICINE                 MESC           625.34
PETRI TARVUDD BUILDER LLC                    MESC           153.16
GEOFFREY DAY                                 MESC           169.23
HALE MANUFACTURING INC                       MESC         7,687.37
GREENWELL MACHINE SHOP INC                   MESC         4,441.98
GEORGE LEWIS                                 MESC            37.13
NICHOLS FULLER                               MESC           740.36
FISH RESTAURANT INC                          MESC            69.97
GREAT LAKES FISH LLC                           MESC     587.47
GREENWELL MACHINE SHOP                         MESC   1,949.30
FISH RESTAURANT INC                            MESC     310.55
GREAT LAKES FISH LLC                           MESC     230.75
FIRST COICE PHYSICAL THERAPY INC               MESC   3,171.85
FRANK SHUMWAY JR & PATRICK BARBOUR             MESC      25.58
FINAL TOUCH CLEANING INC                       MESC   4,490.30
FRANKS FLOOR COVERING SERVICE                  MESC      62.21
FRANKS FLOOR COVERING SERVICE                  MESC      30.00
MKM CONCEPTS INC                               MESC     255.00
MARCO LLC, EVERGREEN LAWN CARE & RAIN          MESC   1,817.55
NORTHERN MICH REHABILITATION                   MESC     139.14
NORTHERN MICH REHABILITATION SPECIALIST        MESC      31.82
NORTHERN MICHIGAN ELDER CARE PLC               MESC     161.25
NICHOLAS DISTRIBUTING INC                      MESC      85.82
NORTHERN POSSESSIONS INC                       MESC      45.40
STAFFORD HOSPITALITY INC                       MESC     167.12
STONE COMMUNICATIONS                           MESC      28.30
STONE COMMUNICATIONS                           MESC   1,276.04
RAPIN & RAPIN INC, R&R PRESCRIPTION SERVICES   MESC   2,856.61
RING CAM INC, BIG APPLE BAGELS OF PETOSKEY     MESC     628.49
ROBERT WHEATON MASONRY SVC INC                 MESC   1,939.74
R D FERGUSON DO PC                             MESC   1,190.76
RACC ENTERPRISES LLC                           MESC   1,379.20
PETOSKEY BRIDAL SALON LLC                      MESC     194.15
PETOSKEY BRIDAL SALON LLC                      MESC      93.66
MMR ENTERPRISES 1 INC, CULLIGAN OF PETOSKEY    MESC     574.17
MICHIGAN MEDICAL & DENTAL INC                  MESC   4,524.30
MICHIGAN MEDICAL & DENTAL INC                  MESC   4,524.30
DOUGLAS MCKINLEY LLC, HOLIDAY INN EXPRESS      MESC   1,734.58
DOUGLAS MCKINLEY LLC, HOLIDAY INN EXPRESS      MESC   4,077.62
DOUGLAS MCKINLEY LLC, HOLIDAY INN EXPRESS      MESC   4,006.81
MANOR WEBCAM BAYCARE LLC                       MESC   1,069.93
MICHIGAN WHOLESALE BAIT INC                    MESC     135.09
DOUGLAS MCKINLEY LLC, HOLIDAY INN EXPRESS      MESC   3,659.73
DOUGLAS MCKINLEY LLC, HOLIDAY INN EXPRESS      MESC   1,790.67
DOUGLAS MCKINLEY LLC, HOLIDAY INN EXPRESS      MESC   3,632.00
MC STONEWORKS INC                              MESC     787.27
MUNCHKIN MANOR WEBCAM DAYCARE LLC              MESC     513.77
MICHIGAN PROPERTIES NETWORK INC                MESC      30.72
L & C STROUSE LTD VINDEL MOTEL                 MESC      83.02
MICHIGAN PROPERTIES NETWORK                    MESC     141.02
MICHIGAN PROPERTIES NETWORK INC                MESC     140.78
LITTLE TRAVERSE PLUMBING LLC                   MESC      39.18
DUSE LUCIANO PHOTOGRAPHY                       MESC      46.64
LANDA INVESTMENT COMPANY LLC                   MESC     148.06
LYLE MAY PLUMBING & HEATING                    MESC   1,265.42
MICHIGAN PROPERTIES NETWORK INC                MESC     137.69
THERESA PRICE, PETOSKEY BRIDAL SALON           MESC      28.90
DUSE LUCIANO PHOTOGRAPHY                       MESC      35.00
TRUE ACCOUNTING CORPORATION                    MESC     696.49
TRACY LEE SALON LLC                            MESC   1,959.87
SM FETTIG ENTERPRISES                          MESC   1,114.39
SM FETTIG ENTERPRISES                          MESC     649.70
KENNETH PROVOST                                MESC      30.00
KIMBERLY BRYANT                                MESC     399.06
KARMA HOTELS LLEC, BEST WESTERN INN OF PET.    MESC     548.78
KH GOLF RESORTS LLC, TRUE NORTH GOLF CLUB      MESC     117.74
KRISTIN KEISWETTER                             MESC     610.36
J&S OUTFITTER INC                              MESC     158.07
JOHN PLICHTA CONSTRUCTION                      MESC    2,996.11
JAMES CHIODINI, PULSE ELECTRIC                 MESC       30.00
KYLE HEMPSTEAD, CHRISTMAS IN PETOSKEY          MESC      110.34
KOROLYN & MARKET LLC, 4 CORNER                 MESC      113.06
SID BAKER MASONRY INC                          MESC    5,412.08
SCOTT COOK INC                                 MESC    5,746.08
SILK FINISHES PAINTING INC                     MESC      352.46
SILK FINISHES PAINTING INC                     MESC      622.44
SIX JS INC THREE CUNNINGHAMS RESTAURANT        MESC    1,111.06
SIX JS INC THREE CUNNINGHAMS RESTAURANT        MESC      643.62
SM FETTIG ENTERPRISES INC                     MESC           177.76
STRAITSLAND CORPORATION, BOBS PLACE           MESC         6,608.97
SLEEPING BEAR MATTRESS COMPANY                MESC           444.06
SLEEPING BEAR MATTRESS COMPANY                MESC           353.42
WATERS EDGE BUILDERS & ASSOCIATES INC         MESC            43.75
WELCOME HOME GARAGE DOORS INC                 MESC         2,252.36
WATERS EDGE BUILDERS & ASSOCIATES INC         MESC        10,200.77
WELCOME HOME GARAGE DOORS INC                 MESC         1,525.86
WELCOME HOME GARAGE DOORS INC                 MESC         2,430.44
WELCOME HOME GARAGE DOORS INC                 MESC         2,057.75
WELCOME HOME GARAGE DOORS INC                 MESC           593.70
WITHEY PAINTING & SERVICE INC                 MESC           472.73
WOODLAND BUILDERS INC                         MESC           273.50
WATERMAN INC                                  MESC           672.74
WOOLY BUGGER ROASTER OF FINE COFFEE INC       MESC           684.03
WORLDWIDE ART RESOURCES & DESIGN              MESC            60.05
WELCOME HOME GARAGE DOORS INC                 MESC            25.00
WOOLY BUGGER ROASTER OF FINE COFFEE INC       MESC           240.56
WELCOME HOME GARAGE DOORS INC                 MESC           474.35
UNION TERMINAL PIERS INC                      MESC            26.23
TIDY CLEAN INC                                MESC         2,185.81
WELCOME HOME GARAGE DOORS INC                 MESC         1,528.26

CHEBOYGAN COUNTY
DOUGLAS NAIDUS                                STATE   $   1,136.32
ADVANCED AIR SERVICES INC                     STATE       9,513.94
SQUARED J LLC                                 STATE       2,557.36
JAREMAS SPOILS INC (TOP SHOPPE)               STATE       5,799.33
JOHN BICKMANN                                 STATE         579.79
HOPPIES OF BURT LAKE LTD                      MESC           83.04
CORE CONSTRUCTION PLUS LLC                    MESC           53.07
J&J DISTRIBUTION LLC                          MESC        1,246.18
LINDEMAN ROOFING INC                          MESC        2,951.17
ALEXANDERS CUSTOM BUILDERS INC                MESC        2,839.45
J&J DISTRIBUTION LLC                          MESC          366.98
DIRKSE PC (INDIAN RIVER VETERINARY CLINIC)    MESC          246.19
EARL COLBURN (INLAND LAKES CONSTRUCTION)      MESC          116.42
NANETTE JOHNSTON (WICKS AND PICS)             MESC          117.85
CURT OGDEN CONSTRUCTION INC                   MESC        1,533.58
LACKEY’S FLOOR COVERING INC                   MESC          191.41
TIKI SHOP LTD                                 MESC          769.26
SAMT INC                                      MESC          170.04
CLASSIC MOTORS LTD (N WOIDERSKI)              MESC          609.77
FRONTIER SALOON INC                           MESC          226.23
JIM GAHN CONSTRUCTION INC                     MESC        4,553.58
TRUE TECH AUTO BODY INC                       MESC          531.56
GILBERT & GILBERT LLP                         MESC          202.91
NORTHEAST MICHIGAN AFFORDABLE HOUSING         MESC          186.44
INN AT THE MACKINAW CITY                      MESC        9,381.22
WRIGHT’S PLUMBING & HEATING                   MESC           68.26
TRIPLE J ENTERPRISES INC                      MESC        3,250.10
MICHIGANMEDIA NET LLC                         MESC        2,766.99
JASON CAMPBELL                                MESC          229.58
MACKINAW CITY BIG BOY INC                     MESC        6,062.66
DFR05 INC (ENGLISH ELECTRIC)                  MESC          191.24
TOM WILEY INC (ALLTRONICS)                    MESC           53.71
JAREMAS SPOILS INC (TOP SHOPPE)               MESC          266.97
GAHN & SALEWSKI INC                           MESC        2,876.44
RUSTIC WOOD INC                               MESC           78.59
RICHARD SHAMPINE (SHAMPINE FLOORING)          MESC           35.77
DOUGHERY’S INC                                MESC          211.42
TRUE TECH AUTO BODY INC                       MESC          329.53
FRONTIER SALOON INC                           MESC          154.68
DFR05 (ENGLISH ELECTRIC)                      MESC          192.18
COTTAGE RESOURCES INC (MACKINAW TROLLEY CO)   MESC        1,029.97
WALTER ROMANIK INC (SNO KIST TREE CO)         MESC          417.18
CHEBOYGAN LAUNDROMAT LLC                      MESC          113.43
SAMT INC                                      MESC          172.46
MAGNUM LANDSCAPING & MAINTENANCE INC          MESC           40.37
GILBERT & GILBERT LLP                         MESC          207.03
GILBERT & GILBERT LLP                         MESC      131.44
SAMT INC                                      MESC      117.13
NORTHEAST MICHIGAN AFFORDABLE HOUSING         MESC       43.90
MICHIGANMEDIA NET LLC                         MESC      164.42
E Z LIFT II INC                               MESC      163.48
FLEETWOOD INN INC                             MESC      415.20
CUENYS PINES INC                              MESC      138.60
DFR05 INC (ENGLISH ELECTRIC)                  MESC      192.54
WALTER ROMANIK INC (SNO KIST TREE CO)         MESC       81.60
GOOD GUYS AUTO REPAIR & TIRES LLC             MESC      276.71
COSMETIC SPECIALIST LAB INC                   MESC    1,257.34
DFR05 INC (ENGLISH ELECTRIC)                  MESC      191.08
JAREMAS SPOILS INC                            MESC      175.08
JASON CAMPBELL (PIGEON RIVER COUNTRY STORE)   MESC    1,583.28
LACKEYS FLOOR COVERING INC                    MESC      194.24
CURT OGDEN CONSTRUCTION INC                   MESC    1,063.24
IMPROVEMENTS UNLIITED INC                     MESC       36.08
TRUE TECH AUTO BODY INC                       MESC      314.91
JIM GAHN CONSTRUCTION INC                     MESC    5,937.93
FRONTIER SALOON INC                           MESC      212.62
RANDYS COLLISION SERVICE INC                  MESC      915.48
MARY SNYDER (TIP TOP CANVAS & UPHOLSTERY)     MESC      134.34
DOUGHERTYS INC                                MESC      935.28
GR & P INC (WAWATAM MOTEL)                    MESC      909.31
MORGAN ELECTRIC                               MESC       30.00
FRONTIER SALOON INC                           MESC      149.69
EMBERS RESTAURANT (SHARDAN LTD)               MESC       30.00
JAREMAS SPOILS INC (TOP SHOPPE)               MESC    1,126.69
ARBOR RIDGE BUILDERS LLC                      MESC      169.68
SAMT INC                                      MESC      171.25
CHEBOYGAN COOPERATIVE INC                     MESC    2,765.06
RIPPLING RAPIDS GOF COURSE INC                MESC      176.10
LAWRENCE VANIER (LB VANIER CONSTRUCTION)      MESC      172.76
TIKI SHOP LTD                                 MESC    2,063.14
EARL COLBURN (INLAND LAKES CONSTRUCTION)      MESC      227.01
CURT OGDEN CONSTRUCION                        MESC    2,731.96
NANETTE JOHNSTON (WICKS AND PICS)             MESC      258.93
SOFT WASH AND LUBE CENTER                     MESC       62.59
VILLAGER INC                                  MESC      140.96
DZ’S SPORTS BAR & GRILL                       MESC      728.33
DFR05 INC                                     MESC      191.41
WALTER ROMANIK INC (SNO-KIST TREE CO)         MESC      521.17
RASHTRIKA LLC                                 MESC      164.34
JAREMAS SPOILS INC (TOP SHOPPE)               MESC      304.43
CLASSIC MOTORS LTD (N WOIDERSKI)              MESC      423.99
PAMELA CRAWFORD                               MESC   47,024.66
FRONTIER SALOON INC                           MESC      260.34
TRUE TECH AUTO BODY INC                       MESC      578.73
MULLETT LAKE OPERATIONS INC                   MESC    5,110.72
BROWN TROUT INC                               MESC    5,482.85
TRUE TECH AUTO BODY INC                       MESC      323.20
FRONTIER SALOON INC                           MESC      220.68
CLASSIC MOTORS LTD (N WOIDERSKI)              MESC      657.18
COTTAGE RESOURCES (MACKINAW TROLLEY CO)       MESC      276.92
MICHIGANMEDIA NET LLC                         MESC      388.80
DFR05 INC (ENGLISH ELECTRIC)                  MESC      192.36
HEIDI POLLOCK (CHEBOYGAN BRISTRO)             MESC       91.12
TRUE TECH AUTO BODY INC                       MESC      356.07
MORGAN ELECTRIC                               MESC       30.00
PINEHURST INN, INC                            MESC      129.50
WALTER ROMANIK INC (SNO KIST TREE CO)         MESC      145.08
WALTER ROMANIK INC (SNO KIST TREE CO)         MESC      534.54
MICHIGAN MEDIA NET LLC                        MESC       95.82
FOUR LEE LLC                                  MESC    2,181.58
NOTRE BISTROT INC (TOWER TAVERN)              MESC    1,508.91
PLANET ARCADE INC                             MESC       60.87
SHARDAN LTD (EMBERS RESTAURANT)               MESC       32.17
LAWRENCE VANIER (LB VANIER CONSTRUCTION)      MESC      145.84
BOAT DOCTOR OF NORTHERN MICHIGAN INC          MESC       53.85
JAREMAS SPOILS INC (TOP SHOPPE)               MESC      328.69
DFR05 INC (ENGLISH ELECTRIC)                  MESC                           191.57
FLEETWOOD INN INC                             MESC                            34.55
IMPROVEMENTS UNLIMITED INC                    MESC                           139.68
COTTAGE RESOURCES INC (MACKINAW TROLLEY CO)   MESC                           284.67
JAREMAS SPOILS INC (TOP SHOPPE)               MESC                           507.18
FRONTIER SALOON INC                           MESC                           146.46
STURGEON VALLEY ENTERPRISES INC               MESC                           345.14
DOUGHERTYS INC                                MESC                           203.39
CHEBOYGAN FOE 1282                            MESC                           284.27
NORTHERN SOUND & SECURITY SYSTMES INC         MESC                         1,389.83
DZ’S SPORTS BAR & GRILL                       MESC                           791.70
GAHN & SALEWSKE INC                           STATE                        7,507.13
JOHNSTON METALWORK INC                        STATE                        8,683.85


MARRIAGES
CHARLEVOIX COUNTY
RAYMOND LEIST & KAYLA WILTJER

EMMET COUNTY
ERNIE ZINK & ANNETTA MILLER
DARYL BUR & LINDSAY WALKER
NICHOLAS LUEBKE & TONYA READMOND
CHRISTOPHER CHANDLER & REBECCA MORRIS
WAYNE BAKER & LISA OGINSKY
RICHARD WEIDENHAMER & HANNAH MASSEY
MICHAEL MCKEOGH & MEGHAN KEEDY
ANDREW HEIPLE & GISELLE CHIU
JOHN MCMAHON & LYNNE FORTON

DIVORCES
CHARLEVOIX COUNTY
AMEE BERGMANN vs. WAYNE BERGMANN
PATRICIA WIGGLE vs. LLOYD WIGGLE
RAYMOND BERNS JR. vs. MELISSA BERNS
SCOTT JAKOBOWSKI vs. JENNIFER JAKOBOWSKI
KAREN CODY vs. CHARLES CODY

BANKRUPTCIES
Consumer                             SSC#             Address           Chapter            Case #
ALYSSA BROOKE HART                   6016             TRAVERSE CITY       7                12-09845
SCOTT & BARBARA HOWARD               4900             ELLSWORTH           7                12-06378
MELINDA VANDOREN                     4660             GAYLORD             7                12-23240
STEVEN & CRISTINA WITEK              xxxx             AGUANGA, CA         7           6:12-bk-27767
WAYNE & DIANE STAHL                  9703             INDIAN RIVER        7                11-22479
JULIE KURKIERWICZ                    3597             DRUMMOND ISLAND     7                12-90326
MATTHEW & AMBER WRIGHT               6344             GAYLORD             7                12-23130
JOHNATHON BRIGHT                     6624             GAYLORD             7                12-23217
CHARLES & MARYANN KAREN              8492             ATLANTA             7                12-23206
SCOTT & VICKI MCTAGGART              1388             BAY CITY            13               12-23200
ELMIRA JONES                         8377             ALBION              7                12-09492
WILLIAM & KATHERINE JONES            6152             MIDLAND             7                12-22511
ALISON MCKENDRICK                    1580             BEVERLY HILLS       7                12-58356
PHILLIP & KRISTY BUCKLEY             8905             BLUFFTON, SC        13               12-06636
JAYMIE PADGETT                       3376             GAYLORD             7                12-22085
BRENT & SARAH PERKINS                4143             HENDERSON           7                12-33147
JAMES RICE                           4095             WEST OLIVE          7                12-09697
DAVID & STACY MCINTOSH               xxxx             DAVISON             13               09-30933
ELLEN HEUKER                         4032             CADILLAC            7                12-09711
MARY WIKLANSKI                       7911             CHARLEVOIX          7                12-07923
JOSEPH & NICHOLE GERSTENBERGER       2991             PLAINWELL           7                12-06026
NORMAN & RHODA BENNETT               9879             EAST JORDAN         7                12-09441
TERRI MALCZYNSKI                     2826             INDIAN RIVER        7                10-21414
MARK & LORIE RUSZKOWSKI              0270             GAYLORD             7                12-22347
HOWARD & DARLENE BRAULT              4885             APPLETON, WI        7                12-36305
ORLANDO BENJAMIN                     7999             DETROIT             7                12-58055
WILLIE BATTLES                       8610             DETROIT             7                12-58865
JOSHUA & KRISTEN CARLSON             0444             KALKASKA            7                12-09910
KANDI JEAN SNYDER                                        9494                   MECOSTA                                7                  12-07214
NANCY LOU CRAMER                                         8832                   ALPENA                                 7                  12-22354
TONYA & ERIC SHAEFFER                                    0574                   DELTON                                 7                  12-06722
RICHARD DEPUY                                            3345                   HUDSONVILLE                            7                  12-07177
FREDERICK JOHNSON                                        9215                   SOUTHFIELD                             7                  12-58833
JEREMY & ANGELA BLAKELY                                  7203                   STURGIS                                7                  12-05735
EDITH TEJADA                                             4266                   LIVONIA                                7                  12-59638
DERRICK & ELISABETH SMITH                                8196                   BELLEVILLE                             7                  12-58494
BASCOM & DEBRA BROWN JR                                  0764                   JACKSON                                7                  12-58761
JAMES & SANDRA ROLLISON                                  4821                   FAIRVIEW                               13                 08-23869
MARK & LORIE RUSZKOWSKI                                  0270                   GAYLORD                                7                  12-22347
ALBERT CORNELL                                           4468                   KALAMAZOO                              7                  12-22399
DANNY & BRENDA HENDERSON                                 0523                   LEWISTON                               7                  12-22397
PERCENE M KRAVIS                                         0725                   SAULT SAINTE MARIE                     7                  12-90412
JAYMIE PADGETT                                           3376                   GAYLORD                                7                  12-22085
DAVID & BRENDA GUTTAY                                    2248                   GAYLORD                                7                  12-22345
MICHAEL BROCKINEIER                                      7908                   LEWISTON                               7                  12-23343
CHRISTOPHER SQUIRES                                      1376                   GAYLORD                                7                  12-22849

JUDGMENTS
Case #                            Plaintiff                                                 Defendant                                    Amount
12-763-GC                         N. MICH ORAL/MAXILLOFACIAL                                JOHN COTTMAN                              $ 2,825.19
12-776-GC                         DR. MICHAEL JOHNSON                                       JAMES CLARK                                 1,229.30
12-767-GC                         GREAT LAKES ENERGY                                        DANIEL JONES                                  398.41
12-1127-GC                        CAMPBELL EYE CARE                                         THOMAS LORENCZ                              1,969.78
12-25065-GC-3                     OMH MEDICAL GROUP                                         RONALD HILL                                   526.62


SATISFACTION JUDGMENTS
Case #                            Plaintiff                                                 Defendant                                      Amount
12-24422-GC-3                     OTSEGO MEMORIAL HOSPITAL & WALKIN                         JULIE MARCOTTE                            $     637.43
11-332-GC                         NORTHERN MI EMERGENCY PHYSICIANS                          ROY KITSON                                    1,308.08
12-24427-GC-3                     OTSEGO MEMORIAL HOSPITAL                                  LISA BANCROFT                                   896.52
11-23310-GC                       OTSEGO MEMORIAL HOSPITAL                                  RAYMOND GILMORE                               1,182.27



******************************************************************************************************************************************************
                                                                             F.Y.I

Economy
Financial Security Rises, but remains in Negative Territory

Americans are still feeling less financially secure than one year ago, according to Bankrate.com’s latest Financial Security
Index. The overall reading improved slightly; from 97.9 to 99.0 Readings less than 100 indicate that Americans have
lower financial security than 12 months previous. The index has been below 100 in 19 of the 21 months since its
inception in December 2010.

Interestingly, the highest-income households - $75,000 per year and above – are reporting lower job security than the
overall population.

Just 21 percent of high-income households feel more secure in their jobs today than they did one year ago, compared
with 26 percent of all workers.

But, predictably, the highest-income households do feel better about the other four components of financial security-
savings, debt, net worth and overall financial situation-than the general population.

Just 18 percent of working Americans are saving more for retirement in 2012 than they did in 2011, comparable to 15
percent last year.

Fewer people are saving less, 18 percent compared to 29 percent last year, while more than half-55 percent-are saving
the same as last year.
ACA International

Credit Card Delinquency Rates, Balances Rise in Third Quarter

Delinquencies are expected to remain near current levels through the end of 2012.

The national credit card delinquency rate (the ratio of borrowers 90 or more days past due) increased slightly to 0.75
percent in Q3 2012 from 0.71 percent in Q3 2011, according to Transunion. This rate had been 0.63 percent in Q2 2012,
a seasonal low.

Average credit card debt per borrower also increased on a yearly basis by 4.91 percent, rising to $4,996 in Q3 2012 from
4,762 in Q3 2011. On a quarterly basis, average credit card debt was up 0.50 percent relative to Q2.

“Credit card delinquencies are following a pattern similar to what we observed in 2011, with declines in the first two
quarters of the year followed by an increase in the third,” said Ezra Becker, vice president of research and consulting in
TransUnion’s financial services business unit. “That seasonal consistency is encouraging. Credit card debt trends in
2012 also are mirroring 2011, with a decrease in the first quarter followed by two increases over the next six months.
With both delinquencies and debt levels remaining quite low relative to historical norms, we are confident in the continued
stability of credit card usage patterns in the short term.”

New credit card originations grew 3.14 percent in Q2 2012 relative to Q2 2011. The share of nonprime, higher-risk
originations (with a VantageScore credit score lower than 700 on a scale of 501-990) was 29.55 percent in the second
quarter of the year, slightly higher than one year ago (29.28 percent in Q2 2011), and much higher than the 23.86 percent
observed in Q2 2010. Credit card originations are analyzed one quarter in arrears, to account for the reporting lag of new
accounts.

Thirty-six states saw increases in their credit card delinquency rates year over year, while nine states and the District of
Columbia saw decreases. No changes were observed in five states. California and Nevada, two states hardest hit by the
recession, continued to see decreases in their card delinquency rates.

On a more granular level, 64 percent of metropolitan statistical areas (MSAs) saw increases in their respective credit card
delinquency rates in Q3 2012 relative to one year ago. This is only slightly higher than last quarter, when 62 percent of
MSAs experienced a year-over-year increase.

Based on current economic assumptions, TransUnion forecasts credit card delinquencies to remain near present-day
levels with potentially some seasonal fluctuations through the end of 2012. This forecast is based on seasonality effects
and various other economic factors such as anticipated gross state product, consumer sentiment, disposable income, and
employment conditions. The forecast changes as the economy deviates from a conservative economic forecast, if there
are unanticipated shocks to the economy affecting recovery, or if lenders materially change their underwriting standards.




Third Quarter Small Business Challenges Will Continue Through Most of 2013
Early-state delinquency is declining, but concerns about the economy remain.

An increase in severely delinquent account balances and slower consumer spending growth posed a significant,
challenge to small businesses that will likely continue throughout the rest of 2012 and most of 2014, according to the
latest data from Experian/Moody’s Analytics Small Business Credit Index.

“Small businesses remain under financial pressure, as the broader economy continues to grow slowly and concerns about
the nation’s daunting fiscal challenges mount,” said Mark Zandi, chief economist at Moody’s Analytics. “Businesses are
reluctant to take on new credit, and severely delinquent credit remains uncomfortably high. It is encouraging, however,
that early-stage delinquency is declining and that credit scores are holding up. Credit conditions should improve if the
president and Congress are able to reasonably address our fiscal problems.”

According to the latest index, the credit quality measured by the Small Business Credit Index began deteriorating in Q3
after four consecutive quarters of improvement. Findings from the report showed that while 30- and 60-day past-due
balances have improved, those that are considered severely delinquent (more than 90 days past due) have not improved
after climbing 11.4 percent during the first three quarters of last year.

“Having a high level of severe delinquency is as troubling for a small business as it is for a consumer, “ said Allen
Anderson, president of Experian’s Business Information Services. “Making timely payments and reducing delinquent debt
are critical to improving a business’s credit profile, making it possible for the business to achieve positive growth. When
continually faced with a large amount of debt, businesses can be forced to make the same tough decisions that
consumers do, except these decisions can impact others in terms of employment or salary adjustments.”
When looking at measures of business health, the Q3 report found that the average commercial risk score (57.1)
remained stable across geographic regions despite the disproportionate regional effects associated with the slowing
global economy. Additionally, the report found that U.S. businesses paid their bills an average of 7.4 days beyond
contracted terms in September 2012, the same as during the second quarter. However, when compared year over year,
average days beyond terms has increased by 2.5 percent.

								
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