Ralph Roberts, Realtor in Macomb, Daily Breaking the News with Major Federal Case in Georgia


Atlanta’s downtrodden neighborhoods proved a gold mine for Omni National Bank and its founders, who amassed tens of millions of dollars’ worth of mansions, company stock and a private jet after launching an unusual bank that financed renovations of inner-city houses.

Four men in total were arrested of bank fraud in which they routinely doctored their records to hide losses, and a loan officer took kickbacks in return for doling out loans. Omni allowed people to “flip” houses three, four and even five times, artificially inflating their value, Georgia prosecutors said.

"This is just the tip of the iceberg," said Ralph Roberts, a Macomb daily real estate broker and author of a book on mortgage fraud who tipped off authorities about the Omni National Bank case. "You're going to be seeing more cases. When the economy suffers, people start to do bad things."

Ralph Roberts, said people across the country told him they were victims of the scheme. “Everyone I talked to lost everything they put in,” said Roberts. “It wasn’t set up to make [them] money. It was set up to make inner-city real estate broker, Delroy Davy money.” Some related to Roberts that they were chauffeured around Atlanta on a tour bus that included a stop at Davy’s sprawling mansion.

Davy recruited “straw buyers” to obtain fraudulent loans. For years, Omni was a magnet for these so-called property flippers, some of whom made superficial repairs and then resold the homes at inflated prices.

Roberts, a Realtor from Macomb daily researches these cases involving mortgage fraud throughout North America, is aware of the rising frequency of fraud in the nation. His daily blog, FlippingFrenzy.com, from Macomb exposes hundreds of fraud cases. “I want families to understand one thing,” alerts Roberts. “Real estate fraud is not a victimless crime. The bank loses money. The seller loses money on the house. But, even more significantly, the entire community loses value, and ultimately, the tax base erodes.

"When people are trying to sell their homes and they have foreclosures on their street, it lowers their value and makes it harder to sell their home," Roberts continued. "Some folks won’t buy into a neighborhood with foreclosed homes. This is the spreading ripple effect."

Macomb County’s foreclosure expert was instrumental in exposing a mortgage fraud ring in 2008 and 2009 when four Michigan men were accused of mortgage fraud in which they illegally made more than $300,000 by selling two upscale homes at inflated values to a "straw buyer.”

The case, involved homes in Washington and Shelby townships that went into foreclosure, was part of a rising frequency of real estate fraud in Michigan and the nation, according to Roberts.

The growing problem prompted the Michigan Attorney General, Michael Cox and the Michigan State Police two years ago to form a mortgage fraud task force, which investigates these cases in our state.

Formally charged in 41B District Court in Clinton Township with racketeering, which carries a penalty of up to 20 years, and two counts each of false pretenses, a 10-year felony, were Dequincy Hyatt, 27, of Detroit, a managing partner in J.B.Homes and Construction; Seaesther Thompson-Hayes, 50, of Flat Rock, a mortgage broker; and Aaron Brooks Jr., 26, of Southgate, a former service representative for the People's Trust Credit Union.

A fourth man, builder Pietro Biundo, 35, who built the Washington Township house and lived in the same subdivision, was charged in a warrant with a lesser degree of false pretenses but has not been formally charged.

In the Washington Township case, the Adams Drive home in Washington Pointe subdivision near 28 Mile and Mound roads initially listed for $679,000 but eventually dropped to $530,000.

The straw buyer obtained a mortgage for $785,000, $225,000 more than the asking price, according to Roberts. Investigators never determined amount taken or how the defendants used the additional $225,000.

Biundo reported on the deed that the home sold for $140,000, which drastically decreased the assessed value and surrounding property taxes.

In the Shelby Township case, defendants skimmed about $163,000 from the transaction in which a $510,000 home was sold for $710,000 to the same straw buyer, according to Cox.

Gina Patrona, who lives across the street from the Washington Township home, said the home was in "terrible shape" with no grass, window treatments or furniture. Together with a second foreclosed home nearby, her home's property value was negatively affected.

"I don't think we could sell our home for half of what we put into it," she said Wednesday.

Cox in a prepared statement echoed the words of Ralph Roberts by pointing out the negative impact on the economy as a whole.

"The housing market, consumers and mortgage lenders suffer when scam artists limit the ability of law-abiding citizens to obtain loans," Cox said. "With those loans, consumers would be buying a home or a car, something our economy desperately needs for recovery."

The Atlanta Case Mirrors Detroit

“Such schemes have worsened the damage in some of Atlanta’s struggling neighborhoods,” said Brent Brewer, a civil engineer turned neighborhood activist.

Several houses flipped with Omni National Bank financing have driven up property taxes in his West End neighborhood, he said. Yet the homes mostly sit vacant, attracting criminals and squatters.

The most explosive charge in the Atlanta case alleges Delroy Davy paid kickbacks to an unnamed loan officer at Omni who gave approval for funding to investors who wanted to buy his inner-city properties.

In a flipping case with Michigan connections, an East Point man, Mark Anthony McBride, pleaded guilty to falsifying his identity and using straw borrowers to obtain millions in loans from Omni only days after his release from prison.

Omni is “the most egregious of the lenders because they’re local. They know if the appraisals are correct,” said Brewer

Brewer said Omni repossessed, sold and financed one house near him three separate times, even though for much of that time it sat vacant and windowless, with huge sections of its exterior walls torn away.

Property records confirm Omni took possession and resold the house three times in two years at rising values, following a pattern that allowed the bank to hide its growing number of foreclosures.

Sharon M. Da Pra, a Married Woman and Jeffrey L. Da Pra, Her Husband

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by , original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated February 24, 2006, and recorded on March 6, 2006 in Liber 17649 on Page 50, and assigned by said Mortgagee to Citigroup Global Markets Realty Corp. as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Sixty-One Thousand Five Hundred Forty-Three And 93/100 Dollars ($161,543.93), including interest at 7.875% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of New Baltimore, Macomb County, Michigan, and are described as: Lot 23, Harbor Creek Subdivision No. 1, as recorded in Liber 117, Pages 34 through 38 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 2, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #259583F02(12-2)(12-23)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Timothy Stevenson, A Single Man and Heidi MacPherson A single Woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Timothy Stevenson, A Single Man and Heidi MacPherson A single Woman, original mortgagor(s), to ABN AMRO Mortgage Group, Inc., Mortgagee, dated July 16, 2004, and recorded on August 5, 2004 in Liber 15734 on Page 610, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Forty Thousand Six Hundred Twenty-Six And 42/100 Dollars ($140,626.42), including interest at 5.25% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Richmond, Macomb County, Michigan, and are described as: Lot 9, Block 3, The Gleason Addition to Village of Richmond, as recorded in Liber 2, Page 60 of Plats, Macomb County RecordsThe redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 4, 2009For more information, please call: FC C (248) 593-1301Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #226581F02(12-4)(12-25)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Kristen E. Kananen, married woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Kristen E. Kananen, married woman, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated February 24, 2004, and recorded on March 1, 2004 in Liber 15080 on Page 289, in Macomb county records, Michigan, and assigned by said Mortgagee to BAC Home Loans Servicing, L.P. as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirty Thousand Seven Hundred Twenty-Two And 61/100 Dollars ($130,722.61), including interest at 5.875% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Village of New Haven, Macomb County, Michigan, and are described as: Unit 40, Amherst Condominium, according to the Master Deed recorded in Liber 9991, Pages 741 through 800, both inclusive, amended by First Amendment to the Master Deed recorded in Liber 11138, Pages 503 through 514, botrh inclusive, Second Amendment to the Master Deed recorded in Liber 11890, Page 203 through 223, both inclusive, Third Amendment to the Master Deed recorded in Liber 13100, Page 625 through 645, both inclusive, Macomb County Records, and designated as Macomb County Condominium Subdivision Plan No. 693, together with rights in general common elements and limited common elements, as set forth in the above described Master Deed and as described in Act 59 of the Public Acts of 1978 as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 7, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #292939F01(12-7)(12-28)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Samuel Deleon and Maria Deleon, Husband and Wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Samuel Deleon and Maria Deleon, Husband and Wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated March 2, 2007, and recorded on April 4, 2007 in Liber 18617 on Page 304, in Macomb county records, Michigan, and assigned by said Mortgagee to Chase Home Finance LLC as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirty-Six Thousand One Hundred Twenty-Six And 04/100 Dollars ($136,126.04), including interest at 6.875% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Roseville, Macomb County, Michigan, and are described as: The West 50 feet of Lot 24 and the East 10 feet of Lot 25, Junction Little Farms Subdivision, as Recorded in Liber 3, Page 133 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 23, 2009For more information, please call: FC S (248) 593-1304Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #291210F01(11-23)(12-14)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Amanda L. Agosta, A Married Woman and Joseph R. Agosta, Her Husband

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Amanda L. Agosta, A Married Woman and Joseph R. Agosta, Her Husband, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated January 24, 2005, and recorded on February 8, 2005 in Liber 16374 on Page 227, and assigned by said Mortgagee to BAC Home Loans Servicing, L.P. as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirty-Four Thousand Four Hundred Seventy-One And 19/100 Dollars ($134,471.19), including interest at 5.75% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on November 13, 2009.Said premises are situated in City of Roseville, Macomb County, Michigan, and are described as: North 55 feet of Lots 67 and 68, Assessor's Plat of Schollenberger Subdivision, as recorded in Liber 20, Page 7 of plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: October 16, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #253327F02(10-16)(11-6)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Courtney V Robinson, a Single Woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Courtney V Robinson, a Single Woman, original mortgagor(s), to Pathway Financial, LLC, Mortgagee, dated April 23, 2004, and recorded on May 5, 2004 in Liber 15364 on Page 672, and assigned by said Mortgagee to Wells Fargo Home Mortgage, Inc. as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirty-Four Thousand Two And 38/100 Dollars ($134,002.38), including interest at 5.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Charter Township of Shelby, Macomb County, Michigan, and are described as: Lot 5, Hawthorne Heights Subdivision, as recorded in Liber 32, Page 1 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 10, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #294619F01(12-10)(12-31)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Barry Millns, a Single Man

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Barry Millns, a Single Man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated May 22, 2003, and recorded on June 26, 2003 in Liber 13760 on Page 305, in Macomb county records, Michigan, and assigned by said Mortgagee to Wells Fargo Bank, NA as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirty-Four Thousand Three Hundred Seventy-Seven And 64/100 Dollars ($134,377.64), including interest at 5.875% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on December 18, 2009.Said premises are situated in City of St Clair Shores, Macomb County, Michigan, and are described as: Lot 212, Detroit Masonic Country Club Subdivision, as recorded in Liber 10, Pages 15 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 20, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #290953F01(11-20)(12-11)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Shatha Bishara, a married woman and Baraa Hermiz, her husband

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Shatha Bishara, a married woman and Baraa Hermiz, her husband, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated February 18, 2005, and recorded on March 3, 2005 in Liber 16445 on Page 353, and assigned by said Mortgagee to BAC Home Loans Servicing, L.P. as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Sixty-Three Thousand One Hundred Forty And 28/100 Dollars ($163,140.28), including interest at 5.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Sterling Heights, Macomb County, Michigan, and are described as: Lot 12, Horn Subdivision, according to the plat thereof, as recorded in Liber 69, Pages 50 and 51, of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 1, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #223942F03(12-1)(12-22)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Timothy Alfred Brousseau and Danielle Brousseau, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Timothy Alfred Brousseau and Danielle Brousseau, husband and wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated June 13, 2003, and recorded on December 8, 2003 in Liber 14752 on Page 15, in Macomb county records, Michigan, and assigned by said Mortgagee to Chase Home Finance LLC as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Twenty-Eight Thousand Eight Hundred Thirty And 59/100 Dollars ($128,830.59), including interest at 6.125% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Township of Lenox, Macomb County, Michigan, and are described as: Part of Lot 12, Supervisor's Plat No. 3, according to the Plat thereof recorded in Liber 52, Page 45 of Plats, Macomb County Records described as: Beginning at the Southeast corner of said Lot 12; thence North 01 degrees 53 minutes 50 seconds West 188.49 feet along the East line of said Lot 12; thence North 79 degrees 42 minutes 30 seconds West 193.89 feet; thence Southwesterly along line arc of a curve concave to the Northwest 34.54 feet; said curve having a radius of 50.00 feet and whose long chord bears South 30 degrees 05 minutes 34 seconds West 33.86 feet; thence South 40 degrees 07 minutes 22 seconds East 254.49 feet to a point on the South line of said Lot 12; thence North 89 degrees 00 minutes East 50 feet along said South line to the point of beginning. Together with and subject to a non-exclusive easement for ingress and egress over that part of Lot 16 of Supervisor's Pl at No. 3 adjoining said property to and from Wederman Road.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 25, 2009For more information, please call: FC S (248) 593-1304Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #295939F01(11-25)(12-16)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Ralphy John Celi aka Ralphy J Celi, a single man and Rosa Linda Celi, and Rafael Celi aka Rafael C Celi, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Ralphy John Celi aka Ralphy J Celi, a single man and Rosa Linda Celi, and Rafael Celi aka Rafael C Celi, husband and wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated January 25, 2002, and recorded on February 21, 2002 in Liber 11375 on Page 773, in Macomb county records, Michigan, and assigned by said Mortgagee to BAC Home Loans Servicing, L.P. as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirty Thousand One Hundred Forty-Five And 63/100 Dollars ($130,145.63), including interest at 6% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Sterling Heights, Macomb County, Michigan, and are described as: Lot(s) 608, Tarryton Subdivision No. 2, as recorded in Liber 44, Page(s) 39 and 40 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 24, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #291718F01(11-24)(12-15)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Colleen D. McClure aka Colleen Denise McClure, a single person

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.THE FORECLOSING PARTY ANTICIPATES BIDDING LESS THAN THE FORECLOSING PARTY'S OPINION OF THE MARKET VALUE.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by , original mortgagor(s), to ABN AMRO Mortgage Group, Inc., Mortgagee, dated April 12, 2007, and recorded on April 20, 2007 in Liber 18650 on Page 737, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Twenty-Seven Thousand Six Hundred Fifty-Two And 11/100 Dollars ($127,652.11), including interest at 6.375% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Charter Township of Shelby, Macomb County, Michigan, and are described as: Unit 23, Ashford Crossing Condominium, according to the Master Deed recorded in Liber 17917, Pages 450 through 508, both inclusive, and First Amendment to Master Deed recorded in Liber 17993, Pages 735 through 738, both inclusive, Macomb County Records, and designated as Macomb County Condominium Subdivision Plan No. 994, together with rights in general common elements and limited common elements, as set forth in the above described Master Deed and as described in Act 59 of Public Acts of 1978, as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 1, 2009For more information, please call: FC C (248) 593-1301Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #268994F02(12-1)(12-22)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Michael P Roberts and Joanne Roberts, Husband and Wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Michael P Roberts and Joanne Roberts, Husband and Wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated September 24, 2008, and recorded on October 6, 2008 in Liber 19513 on Page 685, in Macomb county records, Michigan, and assigned by said Mortgagee to BAC Home Loans Servicing, L.P. as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Twenty-Seven Thousand Three Hundred Sixty-Two And 65/100 Dollars ($127,362.65), including interest at 6.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Charter Township of Chesterfield, Macomb County, Michigan, and are described as: Unit 27, Northpointe Meadows of Chesterfield, a condominium, according to the Master Deed thereof, as recorded in Liber 14087, Pages 235 through 295, Macomb County Records, and any amendments thereto and designated as Macomb County Condominium Subdivision Plan No. 816, together with rights in general common elements and limited common elements as set forth in said Master Deed and as described in Act 59 of the Public Acts of 1978, as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 4, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #293557F01(12-4)(12-25)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Kory J. Karpinsky and Elizabeth C. Werntz, Joint Tenants

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Kory J. Karpinsky and Elizabeth C. Werntz, Joint Tenants, original mortgagor(s), to Premier Mortgage Lending, LLC, Mortgagee, dated January 24, 2003, and recorded on March 24, 2003 in Liber 13144 on Page 269, and assigned by said Mortgagee to Commonwealth United Mortgage as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Twenty-Six Thousand Four Hundred Seventy-Two And 59/100 Dollars ($126,472.59), including interest at 6% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Eastpointe, Macomb County, Michigan, and are described as: East 20 Feet of Lot 41 and the West 25 Feet of Lot 42, Including adjoining 1/2 vacated alley at the rear thereof, Gerlach Ridgemont Subdivision, according to the Plat thereof, as Recorded in Liber 9, Page 26, of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 27, 2009For more information, please call: FC F (248) 593-1313Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #295969F01(11-27)(12-18)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Cynthia M Chema, a single woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Cynthia M Chema, a single woman, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated May 12, 2003, and recorded on June 13, 2003 in Liber 13682 on Page 554, in Macomb county records, Michigan, and assigned by said Mortgagee to Wells Fargo Bank, NA as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Twenty Thousand Twenty-Five And 90/100 Dollars ($120,025.90), including interest at 6% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on June 12, 2009.Said premises are situated in Charter Township of Clinton, Macomb County, Michigan, and are described as: Unit 8, Building 2, Imperial Manor Condomium, According to the Master Deed recorded in Liber 4988 on Pages 382 through 427, inclusive, Macomb County Records and designated as Macomb County Condominium Subdivision Plan No. 369, together with rights in common elements and limited common elements as set forth in the above Master Deed and as described in Act 59 of the public acts of 1978, as amendedThe redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: May 12, 2009For more information, please call: FC D 248.593.1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #262882F01(5-12)(6-2)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Moahang Yang and Touly Yang, His Wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Moahang Yang and Touly Yang, His Wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated May 11, 2004, and recorded on July 29, 2004 in Liber 15709 on Page 783, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Ninety-Three Thousand Five Hundred Ninety-Five And 48/100 Dollars ($193,595.48), including interest at 7.875% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Sterling Heights, Macomb County, Michigan, and are described as: Lot 462, Fairfield Village Subdivision No. 2 as Recorded in Liber 67, pages 34 through 38 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 10, 2009For more information, please call: FC F (248) 593-1313Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #294060F01(12-10)(12-31)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Gary A Stellino, an unmarried man

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Gary A Stellino, an unmarried man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated April 1, 2004, and recorded on June 23, 2004 in Liber 15579 on Page 438, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Fifteen Thousand Thirty-One And 59/100 Dollars ($115,031.59), including interest at 5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on June 12, 2009.Said premises are situated in Charter Township of Clinton, Macomb County, Michigan, and are described as: Unit 84, Building 21, of Windmill Pointe Condominium, a Condominium according to the Master Deed thereof recorded in Liber 3893, Page 546, Macomb County Records, and designated as Macomb County Condominium Subdivision Plan No. 213, and any amendments thereto together with an undivided interest in the common elements of said condominium as set forth in said Master Deed, and any amendments thereto, last amended by amendment recorded in Liber 4213, page 726 and as described in Act 59 of the Public Acts of Michigan of 1978, as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: May 13, 2009For more information, please call: FC X 248.593.1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #263902F01(5-13)(6-3)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Robert E. Okalski, a single man and Katrina Osborne, a single woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Robert E. Okalski, a single man and Katrina Osborne, a single woman, original mortgagor(s), to Washington Mutual Bank, FA, Mortgagee, dated March 17, 2004, and recorded on March 31, 2004 in Liber 15210 on Page 403, and assigned by mesne assignments to Wells Fargo Bank, NA as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Twenty-One Thousand One Hundred Thirty-Seven And 13/100 Dollars ($121,137.13), including interest at 6.25% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Township of Macomb, Macomb County, Michigan, and are described as: Lot 8, Urban Peters Subdivision, as recorded in Liber 24, Page 27 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 10, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #294408F01(12-10)(12-31)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Thomas Gittens and Tina Louise Gittens, his wife, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Thomas Gittens and Tina Louise Gittens, his wife, husband and wife, original mortgagor(s), to Wells Fargo Home Mortgage, Inc., Mortgagee, dated March 21, 2004, and recorded on May 12, 2004 in Liber 15398 on Page 164, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Sixteen Thousand Four Hundred Forty-Two And 18/100 Dollars ($116,442.18), including interest at 6% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on October 9, 2009.Said premises are situated in City of Roseville, Macomb County, Michigan, and are described as: The North 60 feet of Lot 5, Erin Heights Subdivision, according to the plat thereof as recorded in Liber 4, Page 19 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: September 11, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #268186F03(9-11)(10-2)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Jason Hamika, a Single Man

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Jason Hamika, a Single Man, original mortgagor(s), to First Metropolitan Funding Corporation, Mortgagee, dated October 5, 2005, and recorded on October 18, 2005 in Liber 17236 on Page 748, in Macomb county records, Michigan, and assigned by said Mortgagee to Deutsche Bank National Trust Company, as Trustee for New Century Home Equity Loan Trust, Series 2005-C, Asset Backed Pass-Through Certificates as assignee, on which mortgage there is claimed to be due at the date hereof the sum of Two Hundred Seventy-One Thousand Four Hundred Ninety-One And 97/100 Dollars ($271,491.97), including interest at 5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on June 19, 2009.Said premises are situated in Charter Township of Shelby, Macomb County, Michigan, and are described as: Unit 2, The Meadows at Central Park, according to the Master Deed Recorded in Liber 14081, Pages 648 through 715, both inclusive, First Amendment to the Master Deed Recorded in Liber 14957, Pages 365 through 384, both inclusive, Second Amendment to the Master Deed Recorded in Liber 16362, Pages 201 through 205, both inclusive, Macomb County Records, and designated as Macomb County Condominium Subdivision Plan No. 815, together with rights in general common elements and limited common elements as set forth in the above described Master Deed and as described in Act 59 of the Public Acts of 1978, as Amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: May 22, 2009For more information, please call: FC S 248.593.1304Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #264744F01(5-22)(6-12)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Robert Eret and Trechelle Eret, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Robert Eret and Trechelle Eret, husband and wife, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated September 11, 2006, and recorded on September 27, 2006 in Liber 18186 on Page 606, and assigned by said Mortgagee to HSBC Mortgage Services, Inc. as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Three Hundred Thousand Six Hundred And 56/100 Dollars ($300,600.56), including interest at 7.118% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Sterling Heights, Macomb County, Michigan, and are described as: A part of Lots 8 and 9, Hatherly Village Subdivision No. 1 as recorded in Liber 59, Page 25, Macomb County Records, Michigan, more particularly described as: Beginning at the Northeast corner of said Lot 8; thence South 04 degrees 29 minutes 30 seconds East 75.62 feet along the East line of said Lot; thence South 86 degrees 51 minutes 30 seconds West 117.92 radially to the Westerly line of said Lot; thence on a curve to the left 64.82 feet, said curve having a radius of 622.74 feet, central angle of 05 degrees 57 minutes 50 seconds and long chord bearing North 06 degrees 07 minutes 25 seconds West 64.79 feet; thence North 80 degrees 53 minutes 40 seconds East 119.89 feet, radially to the East line of said Lot 9; thence South 13 degrees 07 minutes 25 seconds East 1.59 feet to the point of beginning.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 2, 2009For more information, please call: FC H (248) 593-1300Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #208844F02(12-2)(12-23)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Alice Suminski, a single woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Alice Suminski, a single woman, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated December 2, 2005, and recorded on December 13, 2005 in Liber 17422 on Page 683, and assigned by said Mortgagee to LaSalle Bank NA as trustee for Washington Mutual Mortgage Pass-Through Certificates WMALT Series 2006-AR2 Trust as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Eighteen Thousand Three Hundred Nine And 53/100 Dollars ($118,309.53), including interest at 3% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on October 16, 2009.Said premises are situated in City of Center Line, Macomb County, Michigan, and are described as: The East 23 feet of Lot 345 and the West 17 feet of Lot 346, State Park Subdivision, as recorded in Liber 7, Page 62, of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: September 18, 2009For more information, please call: FC R (248) 593-1305Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #221757F02(9-18)(10-9)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Raymond O. Pavlov, a single man

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Raymond O. Pavlov, a single man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated March 19, 2003, and recorded on July 18, 2003 in Liber 13857 on Page 41, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirteen Thousand Ninety-Nine And 74/100 Dollars ($113,099.74), including interest at 5.375% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on April 24, 2009.Said premises are situated in City of St Clair Shores, Macomb County, Michigan, and are described as: Lot(s) 51, Edward Rose St. Clair Shores Subdivision, as recorded in Liber 27 on Page(s) 8 and 9 of Plats.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: March 25, 2009For more information, please call: FC X 248.593.1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #254590F01(3-25)(4-15)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Kieyona Jackson and Kevin Jackson, wife and husband

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Kieyona Jackson and Kevin Jackson, wife and husband, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated October 26, 2004, and recorded on February 22, 2005 in Liber 16413 on Page 23, and rerecorded on March 28, 2005 in Liber 16526 on Page 107, in Macomb county records, Michigan, and assigned by said Mortgagee to BAC Home Loans Servicing, L.P. as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Nineteen Thousand Six Hundred Thirty-Six And 83/100 Dollars ($119,636.83), including interest at 7% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Eastpointe, Macomb County, Michigan, and are described as: Lot(s) 361, Ridgemont Golf Course Subdivision No. 1, according to the recorded plat thereof as recorded in Liber 29 of plats, Page 31.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 2, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #293272F01(12-2)(12-23)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

John W. Becker and Gretchen G. Becker, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by John W. Becker and Gretchen G. Becker, husband and wife, original mortgagor(s), to Plymouth Exchange Mortgage Corporation, Mortgagee, dated July 3, 2003, and recorded on August 19, 2003 in Liber 14066 on Page 38, and assigned by mesne assignments to Wells Fargo Bank, NA as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Eighteen Thousand Four Hundred Thirty-Five And 89/100 Dollars ($118,435.89), including interest at 5.375% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on December 4, 2009.Said premises are situated in City of Eastpointe, Macomb County, Michigan, and are described as: Lot 176, Ridgemont Golf Course Subdivision, according to the plat thereof as recorded in Liber 29, Page 24 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 6, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #289486F01(11-6)(11-27)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Jerome R. Smith, a single man

Trott & Trott, P.C.Attorney and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Jerome R. Smith, a single man, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated February 24, 2006, and recorded on March 2, 2006 in Liber 17638 on Page 875, in Macomb county records, Michigan, and assigned by mesne assignments to OneWest Bank, FSB as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Eleven Thousand Nine Hundred Eighty-Seven And 94/100 Dollars ($111,987.94), including interest at 5.75% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on June 12, 2009.Said premises are situated in Township of Macomb, Macomb County, Michigan, and are described as: Unit 16, Ashley Commons Condominium, according to the Master Deed, recorded in Liber 4609 on Page 437, including any and all amendments thereto, and designated as Macomb County Condominium Subdivision Plan No. 308, together with rights in general common elements and limited general common elements, as set forth in the above Master Deed, and as described in Act 59 of the Public Acts of 1978, as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: May 14, 2009For more information, please call: FC L 248.593.1312Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #210029F02(5-14)(6-4)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Megan Walters FKA Megan Tolin and Jason Walters, Wife and husband

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by , original mortgagor(s), to Wells Fargo Bank, NA, Mortgagee, dated November 17, 2004, and recorded on November 30, 2004 in Liber 16136 on Page 134, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Ten Thousand Seven Hundred Thirty-Eight And 19/100 Dollars ($110,738.19), including interest at 6.125% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Warren, Macomb County, Michigan, and are described as: Lot 1781, Piper's Van Dyke Subdivision No. 7, as recorded in Liber 6, Page 80 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 24, 2009For more information, please call: FC D (248) 593-1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #291610F01(11-24)(12-15)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Paulette Goudy, A Single Woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Paulette Goudy, A Single Woman, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated December 23, 2004, and recorded on January 21, 2005 in Liber 16315 on Page 219, in Macomb county records, Michigan, and assigned by said Mortgagee to CitiMortgage, Inc. as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Thirteen Thousand Seven Hundred Sixty-Two And 14/100 Dollars ($113,762.14), including interest at 5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Eastpointe, Macomb County, Michigan, and are described as: Lot 32, Emmaneel Subdivision No. 1, according to the recorded plat thereof, as recorded in Liber 30 of Plats, Page 15, Macomb County RecordsThe redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 8, 2009For more information, please call: FC C (248) 593-1301Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #293767F01(12-8)(12-29)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Carolyn Aaron, original mortgagor

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Carolyn Aaron, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated October 31, 2006, and recorded on November 14, 2006 in Liber 18299 on Page 679, and assigned by said Mortgagee to HSBC Bank USA, as Trustee for ACE Securities Corp. Home Equity Loan Trust, Series 2007-HE3 as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Eighty-Three Thousand Three Hundred Forty And 85/100 Dollars ($183,340.85), including interest at 6% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on July 24, 2009.Said premises are situated in Charter Township of Clinton, Macomb County, Michigan, and are described as: Lot 16, of Rivercrest Subdivision, as recorded in liber 43, page 30 of plats, Macomb County RecordsThe redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: June 24, 2009For more information, please call: FC D 248.593.1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #216071F03(6-24)(7-15)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Barbara Kopmeyer, a single woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Barbara Kopmeyer, a single woman, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated April 27, 2007, and recorded on May 14, 2007 in Liber 18701 on Page 72, and assigned by said Mortgagee to OneWest Bank, FSB as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Ten Thousand Four Hundred Eighty-Three And 56/100 Dollars ($110,483.56), including interest at 6.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of St Clair Shores, Macomb County, Michigan, and are described as: Lot 17, of Rossin and Ringler's Chapoton Woods Subdivision, as recorded in Liber 26, Page 37 of PlatsThe redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 7, 2009For more information, please call: FC H (248) 593-1300Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #293855F01(12-7)(12-28)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Frank A. Smerek, a single man and Angie L. Rowe, a single woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by as joint tenants with rights of survivroship, original mortgagor(s), to Lender LTD DBA Saint Clair Home Loans, Mortgagee, dated May 27, 2004, and recorded on July 1, 2004 in Liber 15615 on Page 532, in Macomb county records, Michigan, and assigned by mesne assignments to BAC Home Loans Servicing, L.P. as assignee, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Ten Thousand Eight Hundred Sixty And 50/100 Dollars ($110,860.50), including interest at 6.625% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Charter Township of Chesterfield, Macomb County, Michigan, and are described as: Unit II, Building C, Salt River Condominium, according to the Master Deed recorded in Liber 3143, Pages 176 through 210, inclusive and as amended, Macomb County Condominium Subdivision Plan No. 127, together with rights in general common elements and limited common elements as set forth in the above Master Deed and as described in Act 59 of the Public Acts of 1978, as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 7, 2009For more information, please call: FC X (248) 593-1302Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #292713F01(12-7)(12-28)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Terrylyn M Darling a single woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.THE FORECLOSING PARTY ANTICIPATES BIDDING LESS THAN THE FORECLOSING PARTY'S OPINION OF THE MARKET VALUE.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by , original mortgagor(s), to ABN AMRO Mortgage Group, Inc., Mortgagee, dated March 21, 2003, and recorded on May 16, 2003 in Liber 13507 on Page 104, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Ten Thousand Six Hundred Sixty-Seven And 74/100 Dollars ($110,667.74), including interest at 3.875% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Charter Township of Harrison, Macomb County, Michigan, and are described as: Lot 3 of Chartier Acres Subdivision, according to the plat thereof recorded in Liber 6 of Plats, Page 42 of Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 9, 2009For more information, please call: FC C (248) 593-1301Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #293757F01(12-9)(12-30)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Samuel Thomas III and Danielle Thomas, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Samuel Thomas III and Danielle Thomas, husband and wife, joint tenants with full rights of survivorship, original mortgagor(s), to Mortgage Electronic Registration Systems, Inc., as nominee for lender and lender's successors and/or assigns, Mortgagee, dated July 13, 2007, and recorded on September 13, 2007 in Liber 18939 on Page 82, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Ninety-Nine Thousand Six Hundred Ten And 90/100 Dollars ($99,610.90), including interest at 8.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on March 27, 2009.Said premises are situated in City of Warren, Macomb County, Michigan, and are described as: The West 40 feet of Lot 133, Kaiser Gardens Subdivision, according to the plat thereof as recorded in Liber 6, Page 12 of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: February 27, 2009For more information, please call: FC R 248.593.1305Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #249219F01(2-27)(3-20)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Scott A Murphy, a single man

Trott & Trott, P.C.Attorney and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Scott A Murphy, a single man, original mortgagor(s), to Mortgage 1 Inc. DBA Best Choice Lending Inc., a Michigan Corporation, Mortgagee, dated July 23, 2003, and recorded on September 19, 2003 in Liber 14283 on Page 419, and assigned by said Mortgagee to Towne Mortgage Company as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Eight Thousand Two Hundred Four And 97/100 Dollars ($108,204.97), including interest at 5.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in Charter Township of Chesterfield, Macomb County, Michigan, and are described as: Part of Lot 86 of SUPERVISORS PLAT NO. 2, described as follows: Commencing at the Northwest corner of Lot 86, thence South 39 degrees 36 minutes 30 seconds East, 165 feet along the Northeasterly side line, Cotton Road to the point of beginning; thence North 48 degrees 40 minutes East, 64.45 feet; thence North 51 degrees 07 minutes 30 East, 118.64 feet; thence South 39 degrees 36 minutes 30 seconds East, 55 feet; thence South 50 degrees 15 minutes 26 seconds West, 183.05 feet; thence North 39 degrees 36 minutes 30 seconds West, 55 feet along the Northeasterly side line, Cotton Road to the point of beginning, as recorded in Liber 16 of Plats, page(s) 39 of Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 7, 2009For more information, please call: FC L (248) 593-1312Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #296550F01(12-7)(12-28)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

David J Gibson, SR., Beverly A Gibson, husband and wife

Trott & Trott, P.C.Attorney and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by David J Gibson, SR., Beverly A Gibson, husband and wife, original mortgagor(s), to Columbia National Incorporated, Mortgagee, dated September 20, 2002, and recorded on October 2, 2002 in Liber 12261 on Page 602, and assigned by said Mortgagee to Midfirst Bank as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Seven Thousand Sixteen And 60/100 Dollars ($107,016.60), including interest at 6.5% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on January 8, 2010.Said premises are situated in City of Roseville, Macomb County, Michigan, and are described as: Unit 28, Flora Condominiums, according to the Master deed recorded in Liber 10351, Pages 598 through 643, both inclusive, Macomb County records, and designated as Macomb County Condominium Subdivision Plan no.703, together with rights in general common elments and limited common elements, as set forth in the above described master deed and as described in Act 59 of the public acts of 1978, as amended.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: December 3, 2009For more information, please call: FC L (248) 593-1312Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #292649F01(12-3)(12-24)


Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Melissa Y. Mohr, a Single Woman

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Melissa Y. Mohr, a Single Woman, original mortgagor(s), to Community Central Mortgage Company, LLC, Mortgagee, dated July 14, 2003, and recorded on August 28, 2003 in Liber 14117 on Page 283, and assigned by mesne assignments to Wells Fargo Bank, NA as assignee as documented by an assignment, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of One Hundred Two Thousand Seven Hundred Ninety-Five And 41/100 Dollars ($102,795.41), including interest at 6% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on June 19, 2009.Said premises are situated in City of St Clair Shores, Macomb County, Michigan, and are described as: Lots 117 and 118, Dalby and Campbell Mack Avenue Subdivision, as recorded in Liber 7, Page 64, of Plats, Macomb County Records.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: May 19, 2009For more information, please call: FC D 248.593.1309Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #264045F01(5-19)(6-9)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449

Steven P Scavone and Barbara A Scavone, husband and wife

TROTT & TROTT, P.C.Attorneys and Counselors31440 Northwestern Highway Suite 200Farmington Hills, Michigan 48334-2525THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY.ATTN PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest.MORTGAGE SALE - Default has been made in the conditions of a mortgage made by Steven P Scavone and Barbara A Scavone, husband and wife, original mortgagor(s), to RBS Citizens, N.A., Mortgagee, dated February 19, 2008, and recorded on February 26, 2008 in Liber 19201 on Page 391, in Macomb county records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of Three Hundred Seventeen Thousand Seven Hundred Eighty And 12/100 Dollars ($317,780.12), including interest at 5.75% per annum.Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is hereby given that said mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at public vendue, at the place of holding the circuit court within Macomb County, at 10:00 AM, on December 18, 2009.Said premises are situated in Charter Township of Harrison, Macomb County, Michigan, and are described as: Lot 14, Lake St. Clair Land Co's Subdivision of part of Private Claim 164, Town 2 North, Range 14 East, Harrison Township, Macomb County, Michigan, as recorded in Liber 3 of plats, Page 65 of Macomb County Records, together with filled Lake St. Clair Bottomland described as follows beginning at a point South 64 degrees 09 minutes East 96 feet from the Southwest corner of Lot 14, thence North 08 degrees 00 minutes 40 seconds East 50.41 feet; thence South 60 degrees 59 minutes 45 seconds East 106.44 feet along face of Seawall Alson being North line of Lot 14 extended thence South 18 degrees 11 minutes 28 seconds West 42.51 feet along face of Seawall; thence North 64 degrees 09 minutes West 96.49 feet along South line of Lot 14 extended to the point of beginning.Except that portion of the above recited property that is submerged.The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale.Dated: November 20, 2009For more information, please call: FC J (248) 593-1311Trott & Trott, P.C.Attorneys For Servicer31440 Northwestern Highway, Suite 200Farmington Hills, Michigan 48334-2525File #293111F01(11-20)(12-11)

Ralph Roberts Realty, LLC
12900 Hall Road, Suite 300
Sterling Heights, Michigan 48313
Phone: O (586) 751-0000
Fax: (586) 620-6449