185 Serene Drive, Imlay City, MI 48444

Public Foreclosure Notice

ELGA Credit Union- Legal Department 6065 Grand Pointe Blvd. Grand Blanc, Michigan 48439 THIS OFFICE IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Notice of foreclosure by advertisement- A default has been made in the conditions of a certain mortgage made by Joseph R. O’Malley, a single man (hereafter “Mortgagor”), to ELGA Credit Union, a Michigan financial institution and Mortgagee, dated June 2, 2022, and thereafter recorded on June 10, 2022, in instrument no. Liber 3298 Page 932, of the Lapeer County Register of Deeds. There is claimed to be due at the date hereof the sum of Forty-four Thousand, Eight-Hundred and Sixty-Seven and 24/100 ($44,867.24) Dollars excluding interest at the rate of 4.5% per annum. Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the aforementioned mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at a public auction sale to the highest bidder for cash or cashier's check at the place of holding the circuit court in Lapeer County, starting promptly at 9:30 a.m., on September 16, 2026. The amount due on the mortgage may be greater on the day of the sale. Placing the highest bid at the sale does not automatically entitle the purchaser to free and clear ownership of the property. A potential purchaser is encouraged to contact the county register of deeds office or a title insurance company, either of which may charge a fee for this information. Said Premises is located in the Township of Imlay, County of Lapeer, State of Michigan: Unit 7, The Preserve No. 1 and The Preserve No. 2 Site Condominium, according to the Master Deed. Recorded in Liber 2507, Page 279, Lapeer County Records, and any amendments thereto, and designated as Lapeer Condominium Subdivision Plan No. 57, together with rights in general common elements and limited common elements as set forth in the above Master Deed and des cribbed in Act 59 of the Public Acts of 1978, as amended. Commonly known as: 185 Serene Drive, Imlay City, Michigan 48444. The redemption period shall be six (6) months from the date of sale unless determined abandoned in accordance with MCL § 600.3214(a), in which case the redemption period shall be 30 days from the date of sale. To all purchasers: the foreclosing Mortgagee can rescind the sale. In that event, your damages, if any, are solely limited to the return of the bid amount tendered at sale, plus interest. If the property is sold at sheriff’s sale, in accordance with MCL § 600.3278, the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damaging the property during the redemption period. If you are a tenant in the property, please contact our office as you may have certain rights. Attention homeowner: If you are a military service member on active duty, if your period of active duty has concluded less than 90 days ago, or if you have been ordered to active duty, please contact the attorney for the party foreclosing the mortgage at the telephone number stated in this notice. Dated: July 15, 2026 ELGA Credit Union- Legal Department Attorneys for the Mortgagee 6065 Grand Pointe Blvd. Grand Blanc, Michigan 48439 (810) 715-3452 (08-09)(08-30)