2655 E. North Boutell Road, Linwood, MI 48634

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 Debra J. Graveratte, Single Woman (hereafter “Mortgagor”), to ELGA Credit Union, a Michigan state chartered credit union and Mortgagee, as successor in interest following merger to COPOCO Community Credit Union, dated May 1, 2014, and thereafter recorded on May 20, 2014, at Liber 3030 Page 608 of the Bay County Register of Deeds. Said Mortgage was subsequently modified in a Loan Modification Agreement dated June 3, 2019 and recorded on June 5, 2019 at instrument No. 201908076, Bay County Register of Deeds. There is claimed to be due at the date hereof the sum of Thirty-Six Thousand, Seven Hundred and Thirty-Nine and 73/100 ($36,739.73) Dollars excluding interest at the rate of 6.5% 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 Bay County, starting promptly at 11:00 a.m., on September 18, 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 Kawkawlin, County of Bay, and legally described as follows: The Easterly 132 feet of the Westerly 165 feet of a parcel of land in Lot 2, Section 12, Township 15 North, Range 4 East, bounded Easterly by the Westerly line of the right of way of the Detroit and Mackinaw Railway; South by the East and West 1/4 line of Section 12; Westerly by a line Parallel with said Westerly line of the Detroit and Mackinac right of way and 300 feet West therefrom; and North by a line parallel with the East and West 1/4 line of said Section 12 and 169 feet North therefrom, as measured along said Westerly line of the right of way of the Detroit and Mackinac Railway. Commonly known as 2655 E. North Boutell Road, Linwood, Michigan 48634. 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: June 25, 2026 ELGA Credit Union- Legal Department Attorneys for the Mortgagee 6065 Grand Pointe Blvd. Grand Blanc, Michigan 48439 (810) 715-3452 (08-12)(09-02)