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MONDAY PROFILE

Susan L. Chalgian of Chalgian &Tripp Law Offices, PLLC is a nativeof East Lansing and a recent admis-sion to the Michigan bar.

She received her undergraduatedegree from DePaul University inChicago and her Juris Doctorate fromWestern Michigan University ThomasM. Cooley Law School.

She currently practices in the areasof elder law and estate and specialneeds planning.

Chalgian is a member of the Pro-bate and Estate Planning Section and

Elder Law and Disability Rights Section of the State Bar ofMichigan.

Susan Chalgian

BY JO MATHISLegal News

Residence: East Lansing.

What advice do you have for someone considering lawschool? Don’t be intimidated by the stress and pressure; thesecome with the territory, and law school is there to help prepareyou. Instead, have fun! There are so many areas of law to exploreand you only end up practicing in a small fraction.

Favorite local hangouts: Woody’s on Trowbridge, Tasty Twist,City Limits East.

What is your happiest childhood memory? My entire extendedfamily stayed with my aunt and uncle in Maine for a week when Iwas about 10. The coastline there is rocky and my cousins and Ihad a lot of fun exploring the tide pools.

Why did you become a lawyer? I loved to read biographiesgrowing up and my favorites were those of Supreme Court jus-tices. I was inspired by the idea of being fair and impartial whenconfronted with differing perspectives.

What would surprise people about your job? There is a gener-al perception of lawyers talking fast and being manipulative withtheir language, but I think people would be surprised by howmuch listening my job entails.

What do you wish someone would invent? On a blistery Michi-gan winter day, I find myself dreaming of a way to transportmyself without going outside.

What has been your favorite year so far? Honestly, each yearseems to get better.

If you could trade places with someone for a day, who wouldthat be? The president of the United States—just to see whatit’s like.

What’s the most awe-inspiring place you’ve ever been? Forbeauty, nothing beats Up North Michigan. For my love of history,the Egyptian Giza Pyramids made me feel a part of somethingmuch bigger.

What is your proudest moment as a lawyer? As a new lawyer,I feel really great just being able to answer my clients’ questionsand then explain the answer so that they understand. Especiallywhen it took a lot for me to understand it myself.

What do you do to relax? I live close to some trails, so I walkmy dog there almost every day after work. I love to go bowling. Ilove spending time with my two amazing nieces, ages 4 and 18months. I sleep eight hours a night.

What is one thing you would like to learn to do? I quit piano les-sons in high school and I have always wanted to pick it back up.

What is something most people don’t know about you? I’mrenovating my 1950s home. It is slow progress, but I am havingfun and eventually it will be all the more cozy.

What is the best advice you ever received? If it feels good, doit. I take it as trust yourself and the person you are to make theright decision.

(l-r) Washtenaw County Sheriff Jerry Clayton, Federal Judge Judith Levy and Department of Jus-tice Principal Deputy Assistant Attorney General Vanita Gupta spoke after Gupta's presentation ata Feb 19-20 University of Michigan symposium on fighting the criminalization of poverty.

Photo by Frank Weir

BY SHEILA PURSGLOVELegal News

Irene Mo remembers whenher parents – immigrants fromCanton (Guangzhou), China,with limited English-speakingskills – struggled to find an attor-ney to help them purchase a Chi-nese restaurant. The experienceleft a big impression on Mo, thenin middle school and now a 2Lstudent at Michigan State Uni-versity College of Law.

“Unless you’re looking in BigLaw or immigration law, there’s alarge disparity of Asian-Ameri-can attorneys in the legal field,”notes Mo, the sole Asian-Ameri-can in her class at MSU Law’sGeoffrey Fieger Trial PracticeInstitute (TPI), where only 32students are selected each year.“It’s a rarity to see an Asian-American litigation attorney,especially in the Midwest, and Iwould like to see more Asian-Americans in that field.”

Student is an MSU Law Innovation Assistant

See STUDENT, page 3

BY FRANK WEIRLegal News

The criminalization of thepoor is “the civil rights issue ofour time and it’s exciting to see itmove to center stage,” said a keyU.S. Department of Justice offi-cial at a February 19 symposiumin Ann Arbor.

Vanita Gupta, head of theCivil Rights Division at theDepartment of Justice, was the

keynote speaker at a seminartitled, “Innocent Until ProvenPoor, Fighting the Criminaliza-tion of Poverty,” sponsored bythe Michigan Journal of Raceand Law. In her talk at the Uni-versity of Michigan Law School,Gupta said the criminal justicesystem in Ferguson, Mo. is pro-moting loss and distrust amongresidents of the St. Louis suburb.

As an example, Gupta point-ed to the case of a Ferguson

woman who owed $102 in park-ing fines. After missing requiredcourt appearances in the matter,the woman amassed additionalfines and penalties amounting to$1,500, coupled with jail time, alost job, and allegations of childneglect.

Gupta noted that other finesin Ferguson were even more trou-bling, including $302 for a single

See POVERTY, page 3

The daughter of Chinese immigrants, Irene Mo would like to seemore Asian American litigation attorneys in the workforce. Mois a 2L student at MSU Law and an ‘innovation assistant’ in theschool’s LegalRnD program.

At ‘tipping point’‘Fighting criminalization’ of poverty explored Feb. 19

Doctors and lawyers mightnot be considered partners inpractice, but students in a newelective at Michigan State Uni-versity recently learned how theycould become allies and learn tobetter communicate with theirpatients and clients.

“Law and Medicine: Mediationin the Clinical Setting,” a classoffered earlier this year, was ledby MSU Law Associate ProfessorBrian Pappas, along with Eliza-beth Petsche, an assistant profes-sor in the College of OsteopathicMedicine, who is also a lawyer.

“I’m into interprofessionaleducation, but usually that is with-in the health care side,” Petschesaid. “People tend to not considerthe positive relationships that canbe between doctors and lawyersand how much law can impactpatient care when it comes to get-ting resources and things of thatnature. There’s a lot of legal com-ponents to health care.”

Ten osteopathic medical stu-dents and seven law studentsworked in small, mixed groupsduring the four-session courseand focused on skills that areused in negotiation, as well ascommunication tools that canprevent lawsuits from happening.Students completed the course inthe law school’s moot courtroom,where they observed what couldhappen when communicationbreaks down.

“I was surprised with howreceptive the law students werewith receiving medical advice in

terms of explaining the risks ver-sus benefits of medical proceduresor the patho-physiology of certaindiseases,” said Peter Boateng, asecond-year osteopathic student.“I realized that as doctors, we willprovide the legal world with thepractical application of patient-centered medicine.”

Osteopathic medical studentAlfred Nesaraj appreciated learn-ing about how law students aretaught to approach their work andhow it differs from medical train-ing. “I enjoyed working with thelaw students and watching themwork during mediation,” Nesarajsaid. “Their thought pattern isvery different than the linearthinking we’re conditioned to aftertaking countless credit hours ofcore science classes. I think it wasa very valuable experience thathelped me appreciate how similarand different the skills required inour two fields are.”

Petsche watched as the med-ical and law students workedtogether and built joint under-standing of each other’sworlds.“They would engage indiscussions and genuinely listento the other profession’s perspec-tive,” she said. “It was refreshingto see the medical students havefun talking to the law studentsand have either of them stop dur-ing the class and ask, ‘I don’tknow what that means.’”

Boateng found very practicalbenefits from the course.“It wasworthwhile to practice negotia-tions with the law students,” hesaid. “Taking this electiveallowed me to learn alongsideand build connections withfuture lawyers. I believe that thecommunication techniques andideas related to mediation caneasily be translated to taking careof patients in the future.”

_____Reprinted with permission from

MSU Today

Monday, March 7, 2016, Ingham County Legal News

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In the Feb. 18 article “StateSupreme Court Justices speak atMLaw,” the three justices pre-suppose that judges will beselected through popular elec-tion or appointment by the gov-ernor. There are, however, otherways. I have published threearticles on judicial selection; thelatest is “Judicial Selection InMichigan: A Fresh Approach,”58 Wayne L. Rev. 313 (2012).My proposals involve neithergubernatorial appointment norpopular election.

We must f irst acknowledgethe role of the judge is primarilyto decide individual cases on thebasis of what has already tran-spired. The judicial role is thusdifferent from that of the legisla-tor. Given that difference, themethod of selection of legisla-tors may not be an appropriateone for judges. Also, the judgemay have to enforce constitu-tional limits on legislative andexecutive action – an anti-majoritarian function.

What is the goal of judicialselection? My own view is thatjudicial selection should involvea search for judges of qualitywho are broadly representativeof the citizenry. Quality seemsan obvious goal, though, admit-tedly, it's not a self-def iningterm. Presumably, it shouldinclude basic intelligence, prop-er training, and open-minded-ness. Representativeness, ordiversity, should be a goal, byanalogy to the jury. I am notalone in believing the achieve-ment of diversity is an importantgoal. Justice Sotomayor, forexample, has spoken of the needto have a more diverse judiciary.

The problem with judicialelections is that they provide noassurance of either quality ordiversity. There are, of course,competent judges in Michigan,but, in my opinion, they havebecome judges despite the needto run for office, not because ofit. The need to raise money dis-courages some qualified personsfrom actively seeking judgeships,

and, in any event, the electorateis likely to know very little aboutthe candidates. Solicitation ofcontributions can often give theappearance of corruption.

Regarding gubernatorialappointment, the governor inMichigan is entirely uncon-strained in making appointmentsnecessitated by death or retire-ment, and is likely to appointlawyers who share the gover-nor's beliefs, attitudes, and val-ues; hence, appointment is not away to promote diversity. Thereis also no institutional guaranteeof quality.

The first of my four propos-als calls for the creation of anominating commission consist-ing of: “two lawyers, elected bythe State Bar Association; sixpersons elected by proportionalrepresentation, of whom onemust be a lawyer and five mustbe nonlawyers; two judges,elected by all judges of courts ofrecord in the state; one full-timemember of a faculty of a lawschool in the state accredited bythe American Bar Association,elected by all full-time membersof the law school faculties ofaccredited law schools in thestate; and one full-time memberof a nonlawyer faculty of anaccredited university within thestate, elected by all nonlawyerfull-time professors in accredit-ed universities in the state.”

Each member of the commis-sion would nominate one candi-date. Any one commissionercould veto the choice of anothercommissioner. Final selectionwould be by lot from among thenominees. Here again is theanalogy to the jury, which is notelected or appointed and whichis intended to broadly representthe community.

The commission is designedto be as diverse as possible –hence, the inclusion of membersof the public elected through pro-portional representation.

Selection by lot is not anentirely novel concept. Officialswith judicial duties were selected

by lot in Athens in the 5th and4th centuries B.C.E.

Regarding the giving of a vetopower to each member of thecommission, my assumption isthat each commissioner would, ineffect, say to each other commis-sioner, “I will refrain from veto-ing your choice of a well-quali-fied candidate if you will refrainfrom vetoing my choice of awell-qualified candidate.”

The presence of academics isnot entirely unprecedented. In atleast two states a law school fac-ulty member is a member of amerit selection nominating com-mission. (One of the problemswith current forms of meritselection is that the governor, thestate’s chief politician, makes thefinal choice among candidatesput forward by the nominatingcommission. The governor islikely to choose the one candi-date whose beliefs, attitudes, andvalues most closely resemblethose of the governor.)

My modest hope in offeringproposals for a different form ofjudicial selection is that discus-sions of judicial selection willnot be limited to the argumentsbetween those who support pop-ular election and those who sup-port some form of gubernatorialappointment. Realistically, Idon’t expect many to accept myideas, at least at present. Iremember once when I lived inTexas I had a conversation withsome lawyers about the Texassystem of partisan election ofjudges. They all agreed it was aterrible system, but they didn'twant to change it – perhapsanother instance of “the devilyou know.” Possibly that’s theway many Michigan lawyersfeel. Having spent 43 years awayfrom Michigan, however, andhaving practiced criminal lawprincipally in the military, inFlorida, and in Illinois, I'm lesscommitted to the status quo.

Bob DavidowAnn ArborProfessor of Law (retired)George Mason University

Letter to the Editor

Student Presenters

Two 3L students from the MSU College of Law Indigenous Law & Policy Center gave a Feb. 18presentation at the Jackson District Library: “Impact of the Land Treaties in Michigan onNative Americans.” Samantha Smith (left), a member of the Saginaw Chippewa tribe, and Cor-rinna Bailey presented on the treaties the U.S. Government negotiated with Native Americans,prompted by land surveyed for sale. The law students also discussed how treaties made acentury ago still affect Michigan tribes and their people.

Photo by Mary Steinmetz

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Future doctors and lawyersteam up in MSU Law elective

Mo has been an InnovationAssistant for MSU Law’s Legal-RnD – The Center for LegalServices Innovation – since lastMay, a work undertaking sheterms her most rewarding todate. With her passion for pro-viding eff icient, quality legalservices, this position has givenher numerous opportunities tomeet thought-leaders in thelegal innovation and technologyfield.

“For example, I’ve been ableto work under second-generationlean senseis to improve processesfor non-prof it legal organiza-tions,” she says.

LegalRnD also has earned herkudos. In June 2015, she and herteam won the challenge at Lex-Hacks in Chicago to create anemail application to detect per-sonally identifiable information.After every team submitted theirsolutions for different challenges,participants were given an oppor-tunity to privately present theirsolutions to each challengejudge.

“My team had developed ane-mail add-on to detect personal-ly identifiable information at thepoint of distribution and I believeit was our private presentation ofthat application that won us thechallenge,” says Mo, who after-wards wrote an article, “Execu-tion Plus: Selling Why YourSolution is The Solution.”

For the “Code the Deal LegalHackathon” last October in LosAngeles, Mo and her team builtan Android application to inform

tenants of potential legal issueswith their leases. The projectwon the HP Haven on DemandPrize, Real Estate Prize, andGrand Prize.

“This event was differentfrom LexHacks as our team hadcommitted to building a solu-tion for only one challenge andwent into the weekend withmore preparation,” she says. “Iwas able to apply the projectmanagement skills I had devel-oped during my second year atMSU Law by overseeing fourother law students and two pro-grammers in building theAndroid application.”

Since joining MSU Law, Mohas developed a passion forincreasing access to legal servic-es by applying lean processimprovement, project manage-ment, and technology and inno-vation – and has put these Legal-RnD principles in practice as co-chair of the “Help 150 FamiliesCampaign,” an AlternativeSpring Break program that pro-vides free tax preparation servic-es to low-income taxpayers inrural Michigan.

“By running our AlternativeSpring Break program efficient-ly, we’ll be able to help morelow-income taxpayers than inprevious years,” she says. “Pro-viding this free service is impor-tant because low-income taxpay-ers are often victims of identitytheft and fraud.”

Last February and March, theprogram assisted 120 taxpayers.Ten volunteers, supervised bytwo licensed tax attorneys, eachdonated more than 40 service

hours. Mo raised more than$1,000 over the course of 30 daysfor the program, but that onlycovered one third of the costs.This year, as co-chair, she has seta personal goal of raising $2,500through the end of March, moneythat will allow up to 10 MSULaw students to assist taxpayers.

“As the child of Chineseimmigrants, I’m forever thankfulfor the helping hands thatallowed me to be in my currentposition,” she says. “My parentshad to turn to me for almostevery interaction that requiredthem to use English. I’ll neverforget organizations, similar tothe Help 150 Families Campaign,which reached out to my familyand helped us become moreindependent.”

A member of Phi Alpha Delta,Mo serves as president of theMSU Law American ChineseAttorneys Club, vice president ofthe Intellectual Property LawSociety, treasurer of the AsianPacific Law Students Associationand treasurer of LegalLaunch-Pad, as well as American BarAssociation liaison to the MSULaw Student Bar Association.

She has been a Student Navi-gator for ZeekBeek since lastApril, helping State Bar ofMichigan members claim theirprof iles and grow their onlinepresence; providing feedback toZeekBeek regarding the expan-sion of directory features andproducts; and representing Zeek-Beek at State Bar events andtechnology showcases.

“Working for a start-up isexciting,” she says. “Student

Navigators are constantly askedabout their opinion on Zeek-Beek’s strategies for reaching outto law students and practition-ers.”

Last summer, Mo clerked atLegal Services of South CentralMichigan in Ann Arbor, whereshe gained practical client-facingand litigation skills; and at theMichigan Poverty Law Program,where the majority of her workwas spent on public policyresearch for clean and affordablewater legislation.

“It’s been interesting to watchsome of the policy issues Iresearched play out as the mediacoverage of the Flint Water Crisishas increased,” she says.

Mo started her academiccareer by graduating in the topfive percent of her class at Ply-mouth High School, then earningher two undergrad degrees ineconomics and mathematics,with distinction, from the Uni-versity of Michigan-Dearborn,where she tutored at the MathLearning Center. She also servedin student government as Inaugu-ral Chief Justice of the StudentJudiciary, Director of InternalRelations, Director of Researchand Development, Speaker of theSenate, Senator, and Fellow, andserved on several student govern-ment committees.

“I love learning so when itcame time to pick a major, I hadtrouble picking just one,” shesays. “I loved the challenge ofmathematics and the rigor thatwas needed to be successful.Economics was a strong comple-ment to mathematics because it

uses data analytics and statisticsto explain market behavior.”

An Introduction to Cryptogra-phy class piqued her interest ininformation privacy and securitylaw, a field in which she wouldlike to practice.

“I’m fascinated with the ideathat the most widely used cryp-tosystems are based on theassumption that there is no effi-cient algorithm to factorize verylarge prime numbers,” she says.

During her undergrad years,Mo worked as a legal clerk atBodman PLC in Detroit, whereshe drafted legal documents andclient correspondence and assist-ed in document retrieval andretention to support paralegalsand attorneys.

“I enjoyed the experience oflearning to work in a Big Lawenvironment,” she says. “Every-one I had the opportunity to dowork for always made it a pointto tell me, ‘Thank you. I appreci-ate it.’”

Mo, who served as FinanceDirector for Democrat DavidKnezek’s successful 2014 bid torepresent the 5th District in theMichigan State Senate, enjoysliving in East Lansing.

“With my previous experiencein politics, it’s exciting to live soclose to Michigan’s Capitolwhere laws and policies aremade,” she says.

In her limited leisure time sheenjoys doing CrossFit workouts.“I love the challenge of continu-ously improving to achieve per-fect technique in my Olympiclifts and increasing my personalrecords,” she says.

STUDENT:Mo and her team won LexHacks in Chicago and a Hackathon in L.A.From Page 1

Ingham County Legal News, Monday, March 7, 2016

Manner of Walking violation;$427 for a single Peace Distur-bance violation; $531 for HighGrass and Weeds; $777 forResisting Arrest; and $792 forFailure to Obey and $527 forFailure to Comply.

She said that many violationsrequired court appearances – 229of 376 municipal offenses are“must appears,” including dognuisance, failure to remove leafdebris, and equipment violations.The court dates are scheduled attimes that are difficult for peopleto appear because of work orchild care responsibilities, whichthen resulted in arrest warrantsand further fines.

A Depar tment of Justicereport last year showed that, asof December 2014, the BostonMunicipal Court System, for acity of 645,000 people, issuedsome 2,300 criminal warrants.The Ferguson Municipal Courtissued 9,000, for a population1/30th the size of Boston’s.Experts noted that a large partof the population of Fergusonhad an outstanding warrant fortheir arrest.

And with 6,500 municipalcourts nationwide, Gupta saidFerguson likely is not the onlyproblem area.

Although Gupta told the audi-ence that she “sees these prob-lems every day, I do believe we

are seeing a different opportuni-ty. We could be on the cusp ofmajor change, across differentpolitical perspectives, and oneshared sense that we need tocome together and fix what hasbeen a terrible wrong in our jus-tice system.

“We at the Justice Depart-ment feel we need a more effec-tive system, more fair, withmore prudent spending,” Guptasaid. “No mater how long anddeeply rooted, we can makeprogress.”

Gupta added that a sense ofurgency is necessary, but that “thelaws we are working to end havebeen built over 40 years withpoliticization over these issues.

“Change won’t happen overnight but we are at a tippingpoint and we can anticipatetremendous change,” she said.

Gupta outlined several criticalissues around the criminalizingof the poor during her presenta-tion. In addition to court f inesand fees that can devastate thepoor, she cited other legislativeefforts to punish the poor includ-ing criminalizing basic humanactivities such as sitting, sleepingor camping in public places, inessence criminalizing homeless-ness; inadequate court represen-tation for indigents; unfair pretri-al systems and bail practices; andunfair sentencing issues.

Citing her belief that criminal-izing homelessness violates the

Eighth Amendment, she said that,“Beyond the constitutional issues,criminalizing homelessness ispoor public policy. It does nothingto break the cycle of poverty.”

She noted the same concernfor bail practices that are oftenbased on wealth status and notthe protection of the community.

“This year is the 50thanniversary of the Bail ReformAct of 1966 which fundamental-ly changed federal bail practices.The act required an individual-ized assessment of the likelihoodof a defendant to reappear incourt as the only basis for bail sothat no one is needlesslydetained before trial,” she said.

“But some systems still linkjail time with the insufficiency ofmoney and accused can’t affordto pay for their release. Pre-trialdetention should be designed toprotect the community and notbe based on wealth status. It is afact that many in jail can’t affordtheir freedom. This causes a dev-astating impact on our most vul-nerable communities.”

Regarding representation,Gupta noted that “too many facebarriers to justice denying thepromise of Gideon v. Wainwright.

“In too many communities,there are insufficient funds forindigent representation,” Guptasaid. “Attorneys serve in nameonly due to high caseloads andlack of funding for defenseinvestigation and experts.”

She noted that all these prac-tices can cause people to losetheir homes, jobs, and familymembers, as they struggle tocope with inadequate funds andincarceration.

“There’s a common thread, alot of interconnectedness. Peoplewho are punished for the size oftheir wallets raise serious constitu-tional concerns. It does not pro-mote public safety and it under-mines our criminal justice systemand threatens the foundation of

our democracy. Too many see jus-tice as for the wealthy only.”

Gupta concluded that “manyeyes are looking at this problemand we can’t let the moment goby and miss our window ofopportunity. If we don’t reach forreform, we should be ashamed ofourselves. It has taken too manyyears to get to this point and wehave to work to make sure equaljustice and fundamental fairnessare accessible to everyone andnot just a few.”

Departmentof JusticePrincipalDeputyAssistantAttorneyGeneralVanita Guptaspoke at thesymposium.

Photo byFrank Weir

POVERTY:Gupta: Criminalizing homelessness violates the Eighth AmendmentFrom Page 1


(Continued on Page 5)

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Failure to publish copy asordered or material typographi-cal errors by Publisher shallentitle advertiser to credit foractual space of error, whichcredit shall be the sole remedyto advertiser.

Publisher reserves the right,at its absolute discretion and atany time, to reject any advertis-ing copy, whether or not it hasbeen previously acknowledgedand/or published.

All real estate advertised herein is sub-ject to the Federal Fair Housing Act, whichmakes it illegal to advertise any preference,limitation, or discrimination based on race,color, religion, sex, handicap, familial status,or national origin, or intention to make anysuch preference, limitation, or discrimina-tion.

We will not knowinglyaccept any advertising forreal estate which is in viola-tion of the law. All personsare hereby informed that alldwellings advertised are available on anequal opportunity basis.

EQUAL HOUSING

LENDER

LEGAL NOTICE DEADLINES

5:00 p.m. Thursday for the following Monday’s newspaper.

5:00 p.m. Tuesday for the following Thursday’s newspaper.

This pertains to both additions and cancellations.

First InsertionSTATE OF MICHIGANPROBATE COURTCOUNTY OF INGHAMNOTICE TO CREDITORSDecedent’s EstateFILE NO. 16-244-DEEstate of STELLA R. KINNEY, DeceasedDate of birth: 06/26/1924TO ALL CREDITORS:*NOTICE TO CREDITORS: The dece-dent, Stella R. Kinney, who lived at 205Loree Drive, East Lansing, Michigandied 07/24/2015.

Creditors of the decedent are notifiedthat all claims against the estate will beforever barred unless presented to PeterSchmitz, named personal representativeor proposed personal representative, orto both the probate court at 1725 LoraineAvenue, Lansing and the named/pro-posed personal representative within 4months after the date of publication ofthis notice.

Date: 03/03/2016PETER SCHMITZPersonal representative1725 Loraine AvenueLansing, MI 48910(517) 372-9426JAMES F. ANDERTON, V P67628Attorney124 W. Allegan, Suite 700Lansing, MI 48933(517) 482-2400

03/07

FORECLOSURE NOTICE THIS FIRM IS A DEBT COLLECTOR

ATTEMPTING TO COLLECT A DEBT.ANY INFORMATION WE OBTAIN WILLBE USED FOR COLLECTING A DEBT.IF THE DEBT WAS DISCHARGED IN ABANKRUPTCY PROCEEDING, THISNOTICE IS NOT AN ATTEMPT TO COL-LECT THAT DEBT.

If you are in the Military, please contactour office at the number listed below.

ATTN PURCHASERS: This sale maybe rescinded by the foreclosing mort-gagee for any reason. In that event, yourdamages, if any, shall be limited solely tothe return of the bid amount tendered atsale, plus interest, and the purchasershall have no further recourse againstthe Mortgagor, the Mortgagee, or theMortgagee’s attorney.

MORTGAGE SALE – Default has beenmade in the conditions of a certain mort-gage made by: Anthony Lee Franco mar-ried man and Kimmi Franco, his wife, toMortgage Electronic Registration Sys-tems, Inc. as nominee for Arbor Mort-gage Corporation its successors and

assigns, Mortgagee, dated November 9,2007 and recorded November 27, 2007in Liber 3287 Page 1275 Ingham CountyRecords, Michigan. Said mortgage wasassigned to: Matrix Financial ServicesCorporation, by assignment dated Sep-tember 24, 2014 and recorded October1, 2014 in Instrument # 2014-037973 onwhich mortgage there is claimed to bedue at the date hereof the sum of Twen-ty-Five Thousand Four Hundred Fifty-Seven Dollars and Seventy-Three Cents($25,457.73) including interest 7.5% perannum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due, Circuit Court of Ingham County at10:00AM on April 7, 2016 Said premisesare situated in City of Lansing, InghamCounty, Michigan, and are described as:

Lot 454, of Maple Hill Subdivision,according to the plat thereof as recordedin Liber 8, Page(s) 33, Ingham CountyRecords.

Commonly known as 713 Jessop Ave,Lansing MI 48910

The redemption period shall be 6months from the date of such sale,unless determined abandoned in accor-dance with MCL 600.3241 or MCL600.3241a, in which case the redemp-tion period shall be 30 days from thedate of such sale, or upon the expirationof the notice required by MCL600.3241a(c), whichever is later; orunless MCL 600.3240(17) applies.

If the property is sold at foreclosure saleunder Chapter 32 of the Revised Judica-ture Act of 1961, under MCL 600.3278,the borrower will be held responsible tothe person who buys the property at themortgage foreclosure sale or to the mort-gage holder for damaging the propertyduring the redemption period.

Dated: 3/07/2016 Matrix Financial Services Corporation,Assignee of Mortgagee Attorneys: Potestivo & Associates, P.C.811 South Blvd. Suite 100 Rochester Hills, MI 48307 (248) 844-5123 Our File No: 16-34886

(03-07)(03-28)





MORTGAGE SALE – Default has beenmade in the conditions of a certain mort-gage made by: Debra M. Rogers andRosemarie St. Pierre, joint tenants withrights of survivorship, to HouseholdFinance Corporation III, Mortgagee,dated August 26, 2005 and recordedSeptember 2, 2005 in Liber 3181 Page1033 Ingham County Records, Michiganon which mortgage there is claimed tobe due at the date hereof the sum of OneHundred Two Thousand Two HundredEighty-Seven Dollars and Twenty-NineCents ($102,287.29) including interest6.83% per annum. Under the power ofsale contained in said mortgage and thestatute in such case made and provided,notice is hereby given that said mort-gage will be foreclosed by a sale of themortgaged premises, or some part ofthem, at public vendue, Circuit Court ofIngham County at 10:00AM on April 7,2016 Said premises are situated in Cityof Lansing, Ingham County, Michigan,and are described as:

Lot No. 176, Arrow Head Manor No. 1, aSubdivision of part of the Northwest one -quarter of Section 31, Town 4 North,Range 2 West, City of Lansing, InghamCounty, Michigan, according to the record-ed Plat thereof as recorded in Liber 24,Page 22 and 23, Ingham County Records.

Commonly known as 3915 TennysonLn, Lansing MI 48911

The redemption period shall be 6months from the date of such sale,unless determined abandoned in accor-dance with MCL 600.3241 or MCL600.3241a, in which case the redemp-tion period shall be 30 days from thedate of such sale, or upon the expirationof the notice required by MCL600.3241a(c), whichever is later; or

unless MCL 600.3240(17) applies. If the property is sold at foreclosure sale

under Chapter 32 of the Revised Judica-ture Act of 1961, under MCL 600.3278,the borrower will be held responsible tothe person who buys the property at themortgage foreclosure sale or to the mort-gage holder for damaging the propertyduring the redemption period.

Dated: 3/07/2016 Household Finance Corporation III Mortgagee Attorneys: Potestivo & Associates, P.C.811 South Blvd. Suite 100 Rochester Hills, MI 48307 (248) 844-5123 Our File No: 16-34614

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Case No. 2015-282-CH CIRCUIT COURT SALE

In pursuance and by virtue of a Judg-ment of the Circuit Court for the Countyof Ingham, State of Michigan, made andentered on the 3rd day of February, A.D.,2016 in a certain cause therein pending,wherein Wells Fargo Bank, N.A., asTrustee for the Pooling and ServicingAgreement Dated as of February 1, 2005Park Place Securities, Inc. Asset-backedPass-through Certificates Series 2005-WHQ1, a national association, was thePlaintiff and Rebecca Smith, an individ-ual, Daniel L. Smith, an individual,Argent Mortgage Company, LLC, a for-eign limited liability company, and First-Merit Bank, N.A., a national association,were the Defendants.

NOTICE IS HEREBY GIVEN that I shallsell at public auction to the highest bidder,at public vendue, at the Ingham CountyCircuit Court (that being the place of hold-ing the Circuit Court for said County), onthe 28th day of April, A.D., 2016 at 10:00a.m., Eastern Standard Time, the follow-ing described property, All certain piece orparcel of land situated in the City of Lans-ing, County of Ingham and State of Michi-gan, described as follows:

Lot 34, Banghart Subdivision, City ofLansing, Ingham County, Michigan,according to the recorded plat thereof, asrecorded in Liber 13 Page 39 of Plats,Ingham County Records. Commonlyknown as: 736 East Harris Street, Lans-ing, Michigan 48901

This property may be redeemed duringthe six (6) months following the sale.

Dated: 03/07/2016 George Lammers, Deputy Sheriff, Potestivo & Associates, P.C. Attorneys for Plaintiff By: Mary Atallah (P75273) 811 South Blvd., Suite 100 Rochester Hills, MI 48307 (248) 853-4400 Our File # 13-91303

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FORECLOSURE NOTICE RANDALL S. MILLER & ASSOCI-

ATES, P.C. MAY BE A DEBT COLLEC-TOR ATTEMPTING TO COLLECT ADEBT AND ANY INFORMATIONOBTAINED MAY BE USED FOR THATPURPOSE.

IF YOU ARE A MILITARY SERVICE-MEMBER ON ACTIVE DUTY NOW ORIN THE PRIOR NINE MONTHS,PLEASE CONTACT OUR OFFICE.

Mortgage Sale - Default has beenmade in the conditions of a certain mort-gage made by Roberto G. Garcia, Jr. andAmy A. Garcia, husband and wife toAgent Mortgage Company, LLC, Mort-gagee, dated September 26, 2006, andrecorded on October 5, 2006, in Liber3238, Page 1064, Ingham CountyRecords, said mortgage was assigned toU.S. Bank National Association astrustee for Stanwich Mortgage LoanTrust, Series 2012-2 by an Assignmentof Mortgage dated July 16, 2012 andrecorded July 26, 2012 by DocumentNumber: 2012-031456, , on which mort-gage there is claimed to be due at thedate hereof the sum of One HundredThree Thousand Fifty-Seven and 74/100($103,057.74) including interest at therate of 4.37500% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at publicvenue, at the place of holding the CircuitCourt in said Ingham County, where thepremises to be sold or some part of themare situated, at 10:00 AM on April 7,2016 Said premises are situated in theCity of Lansing, Ingham County, Michi-gan, and are described as:

Lot 163 and the North 10 feet of Lot164, Westmont Subdivision, City ofLansing, Ingham County, Michigan,according to the recorded plat thereof asrecorded in Liber 9 of Plats, Page 3, Ing-ham County Records.

Commonly known as: 2921 YOUNGAVE, LANSING, MI 48906-0000

If the property is eventually sold atforeclosure sale, the redemption periodwill be 6.00 months from the date of saleunless the property is abandoned orused for agricultural purposes.

If the property is determined abandonedin accordance with MCL 600.3241 and/or600.3241a, the redemption period will be30 days from the date of sale, or 15 daysafter statutory notice, whichever is later. Ifthe property is presumed to be used foragricultural purposes prior to the date ofthe foreclosure sale pursuant to MCL600.3240, the redemption period is 1 year.

Pursuant to MCL 600.3278, if the prop-erty is sold at a foreclosure sale, the bor-rower(s) will be held responsible to theperson who buys the property at themortgage foreclosure sale or to the mort-gage holder for damaging the propertyduring the redemption period.

TO ALL PURCHASERS: The foreclos-ing mortgagee can rescind the sale. Inthat event, your damages are, if any, lim-ited solely to the return of the bid amounttendered at sale, plus interest.

Dated: March 7, 2016 Randall S. Miller & Associates, P.C. Attorneys for U.S. Bank National Asso-ciation as trustee for Stanwich Mort-gage Loan Trust, Series 2012-2 43252 Woodward Avenue, Suite 180,Bloomfield Hills, MI 48302, (248) 335-9200 Case No. 16MI00209-1

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SCHNEIDERMAN & SHERMAN, P.C.,IS ATTEMPTING TO COLLECT A DEBT,ANY INFORMATION WE OBTAIN WILLBE USED FOR THAT PURPOSE.

PLEASE CONTACT OUR OFFICE AT(248)539-7400 IF YOU ARE IN ACTIVEMILITARY DUTY.

MORTGAGE SALE – Default has beenmade in the conditions of a mortgagemade by JOSEPH L. TRATNIK, A MAR-RIED MAN and SHARON TRATNIK,AKA SHARON L. TRATNIK, SIGNS TOSUBJUGATE DOWER RIGHTS, toFLAGSTAR BANK, FSB, Mortgagee,dated June 11, 1999, and recorded onJune 29, 1999, in Liber 2782, on Page1163, and assigned by said mortgageeto JPMorgan Chase Bank, N.A.., S/B/MChase Home Finance LLC, S/B/M toChase Manhattan Mortgage Corpora-tion, as assigned, Ingham CountyRecords, Michigan, on which mortgagethere is claimed to be due at the datehereof the sum of Forty-Six ThousandEight Hundred Fourteen Dollars andEighty-Nine Cents ($46,814.89), includ-ing interest at 7.500% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is herebygiven that said mortgage will be fore-closed by a sale of the mortgaged premis-es, or some part of them, at public vendue,the Circuit Courthouse in Ingham Countyat 10:00 AM o'clock, on April 7, 2016 Saidpremises are located in Ingham County,Michigan and are described as:

LOT 82, BEL-AIR MEADOWS SUBDI-VISION NO. 1, CITY OF LANSING, ING-HAM COUNTY, MICHIGAN, ACCORD-ING TO THE PLAT THEREOFRECORDED IN LIBER 20 OF PLATS,PAGE 31.

The redemption period shall be 6months from the date of such sale,unless abandoned under MCL600.3241, in which case the redemptionperiod shall be 1 month, or under MCL600.3241a 30 days from the date of suchsale, or 15 days from the MCL600.3241a(b) notice, whichever is later,or extinguished pursuant to MCL600.3238.

If the above referenced property is soldat a foreclosure sale under Chapter 600of the Michigan Compiled Laws, underMCL 600.3278, the borrower will be heldresponsible to the person who buys theproperty at the mortgage foreclosuresale or to the mortgage holder for dam-aging the property during the redemptionperiod. JPMorgan Chase Bank, N.A.., S/B/MChase Home Finance LLC, S/B/M toChase Manhattan Mortgage Corpora-tion Mortgagee/Assignee Schneiderman & Sherman, P.C. 23938 Research Drive, Suite 300 Farmington Hills, MI 48335S2016010882827 FHA

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Notice Of Mortgage Foreclosure SaleTHIS FIRM IS A DEBT COLLECTOR

ATTEMPTING TO COLLECT A DEBT.ANY INFORMATION WE OBTAIN WILLBE USED FOR THAT PURPOSE.PLEASE CONTACT OUR OFFICE ATTHE NUMBER BELOW IF YOU ARE INACTIVE MILITARY DUTY.

ATTN PURCHASERS: This sale maybe rescinded by the foreclosing mort-gagee. In that event, your damages, ifany, shall be limited solely to the return

of the bid amount tendered at sale, plusinterest.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Bonnie J. Verleger, a singlewoman individual, original mortgagor(s),to Mortgage Electronic Registration Sys-tems, Inc., Mortgagee, dated September19, 2003, and recorded on October 14,2003 in Liber 3070 on Page 168, andassigned by said Mortgagee to WellsFargo Bank, NA as assignee as docu-mented by an assignment, in Inghamcounty records, Michigan, on whichmortgage there is claimed to be due atthe date hereof the sum of Forty-FourThousand Eight Hundred Sixty-Two and51/100 Dollars ($44,862.51).

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due, at the place of holding the circuitcourt within Ingham County, at 10:00AM, on April 7, 2016.

Said premises are situated in City ofLansing, Ingham County, Michigan, andare described as: Lot No. 8, Heller's Sub-division, City of Lansing, Ingham County,Michigan, according to the recorded platthereof a recorded in Liber 7, Page 11.Ingham County Records.

The redemption period shall be 6months from the date of such sale,unless determined abandoned in accor-dance with MCLA 600.3241a, in whichcase the redemption period shall be 30days from the date of such sale.

If the property is sold at foreclosure saleunder Chapter 32 of the Revised Judica-ture Act of 1961, pursuant to MCL600.3278 the borrower will be heldresponsible to the person who buys theproperty at the mortgage foreclosure saleor to the mortgage holder for damagingthe property during the redemption period.

Dated: March 7, 2016For more information, please call:FC D (248) 593-1309Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste. 200Farmington Hills, Michigan 48334-5422File #460365F01

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MORTGAGE SALE – Default has beenmade in the conditions of a mortgagemade by BOBBY L RUE JR., A MAR-RIED MAN and JUDY I. RUE, AS JOINTTENANTS, to Mortgage Electronic Reg-istration Systems, Inc. ("MERS"), solelyas nominee for lender and lender's suc-cessors and assigns, Mortgagee, datedApril 23, 2004, and recorded on July 30,2004, in Liber 3122, on Page 752, andassigned by said mortgagee to FederalNational Mortgage Association ("FannieMae"), a corporation organized andexisting under the laws of the UnitedStates of America, as assigned, InghamCounty Records, Michigan, on whichmortgage there is claimed to be due atthe date hereof the sum of Twenty-EightThousand Five Hundred Thirty-Two Dol-lars and Eighteen Cents ($28,532.18),including interest at 5.875% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is herebygiven that said mortgage will be fore-closed by a sale of the mortgaged premis-es, or some part of them, at public vendue,the Circuit Courthouse in Ingham Countyat 10:00 AM o'clock, on April 7, 2016 Saidpremises are located in Ingham County,Michigan and are described as:

LOT 45, WESTERN FARM SUBDIVI-SION NO. 1, ACCORDING TO THEPLAT THEREOF, AS RECORDED INLIBER 10 OF PLATS, PAGE 1, INGHAMCOUNTY RECORDS.

The redemption period shall be oneyear from the date of such sale, unlessabandoned under MCL 600.3241, inwhich case the redemption period shallbe 1 month, or under MCL 600.3241a 30days from the date of such sale, or 15days from the MCL 600.3241a(b) notice,whichever is later, or extinguished pur-suant to MCL 600.3238.

If the above referenced property is soldat a foreclosure sale under Chapter 600of the Michigan Compiled Laws, underMCL 600.3278, the borrower will be heldresponsible to the person who buys theproperty at the mortgage foreclosuresale or to the mortgage holder for dam-aging the property during the redemptionperiod.

Monday, March 7, 2016 Ingham County Legal News,


LEGAL NOTICES———

(Continued from Page 4)

Federal National Mortgage Association("Fannie Mae"), a corporation organizedand existing under the laws of the Unit-ed States of America Mortgagee/Assignee Schneiderman & Sherman, P.C. 23938 Research Drive, Suite 300 Farmington Hills, MI 48335S2016020810000 FNMA

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Second InsertionIF YOU ARE NOW ON ACTIVE MILI-

TARY DUTY OR HAVE BEEN IN THEPRIOR ONE YEAR, PLEASE CONTACTOUR OFFICE AT 248-502-1400.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Lee March, a married man, toFifth Third Mortgage -MI, LLC, Mort-gagee, dated June 28, 2013 and record-ed July 8, 2013 in Instrument Number2013-033205, Ingham County Records,Michigan. Said mortgage is now held byFifth Third Mortgage Company, byassignment. There is claimed to be dueat the date hereof the sum of Sixty-Seven Thousand Five Hundred and36/100 Dollars ($67,500.36), includinginterest at 4.875% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due at the place of holding the circuitcourt within Ingham County, Michigan at10:00 AM on MARCH 31, 2016.

Said premises are located in the Town-ship of Onondaga, Ingham CountyMichigan, and are described as:

Commencing at a point 432 feet Westof the Northeast corner of the East 1/2 ofthe Northeast 1/4 of Section 25, Town 1North, Range 2 West, Onondaga Town-ship, Ingham County, Michigan; thenceSouth 891 feet; thence West 108 feet;thence South 429 feet; thence West 120feet; thence North 1,320 feet; thenceEast 228 feet, to the place of beginning.

The redemption period shall be 6months from the date of such sale,unless determined abandoned in accor-dance with MCLA §600.3241a, in whichcase the redemption period shall be 30days from the date of such sale. TO ALLPURCHASERS: The foreclosing mort-gagee can rescind the sale. In that event,your damages, if any, are limited solelyto the return of the bid amount tenderedat sale, plus interest.

If the property is sold at foreclosuresale, pursuant to MCL 600.3278, theborrower will be held responsible to theperson who buys the property at themortgage foreclosure sale or to the mort-gage holder for damage to the propertyduring the redemption period.

Dated: February 29, 2016Orlans Associates, P.C.Attorneys for ServicerP.O. Box 5041Troy, MI 48007File No. 16-001658

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IF YOU ARE NOW ON ACTIVE MILI-TARY DUTY OR HAVE BEEN IN THEPRIOR ONE YEAR, PLEASE CONTACTOUR OFFICE AT 248-502-1400.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Ron Buck a/k/a Ronald Buckand Betty Buck, to Mortgage ElectronicRegistration Systems, Inc., as nomineefor lender and lender's successorsand/or assigns, Mortgagee, datedNovember 13, 2009 and recordedDecember 4, 2009 in Liber 3365, Page1057, and Loan Modification Agreementrecorded on December 17, 2014, in Doc-ument Number 2014-046934, InghamCounty Records, Michigan. Said mort-gage is now held by Lakeview LoanServicing, LLC, by assignment. There isclaimed to be due at the date hereof thesum of One Hundred Forty-Seven Thou-sand Two Hundred Seventy-Eight and33/100 Dollars ($147,278.33), includinginterest at 4.5% per annum.


Said premises are located in the Town-ship of Delhi, Ingham County Michigan,and are described as:

Lot 42, College Heights Estates II,Delhi Township, Ingham County, Michi-gan, according to the recorded platthereof, as recorded in Liber 45 of Plats,Page 1, Ingham County Records.




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SCHNEIDERMAN & SHERMAN, P.C.,IS ATTEMPTING TO COLLECT A DEBT,ANY INFORMATION WE OBTAIN WILLBE USED FOR THAT PURPOSE.PLEASE CONTACT OUR OFFICE AT(248)539-7400 IF YOU ARE IN ACTIVEMILITARY DUTY.

MORTGAGE SALE – Default has beenmade in the conditions of a mortgagemade by ELIZABETH J. WESTERHOF,AN UNMARRIED WOMAN, to FIFTHTHIRD MORTGAGE - MI, LLC, Mort-gagee, dated July 1, 2008, and recordedon July 18, 2008, in Liber 3313, on Page1110, and assigned by said mortgageeto MICHIGAN STATE HOUSINGDEVELOPMENT AUTHORITY, asassigned, Ingham County Records,Michigan, on which mortgage there isclaimed to be due at the date hereof thesum of One Hundred Twenty-ThreeThousand Nine Hundred Five Dollarsand Twenty Cents ($123,905.20), includ-ing interest at 5.125% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is herebygiven that said mortgage will be fore-closed by a sale of the mortgaged premis-es, or some part of them, at public vendue,the Circuit Courthouse in Ingham Countyat 10:00 AM o'clock, on April 14, 2016

Said premises are located in InghamCounty, Michigan and are described as:THE SOUTH 41.6 FEET OF LOT 53,OAK RIDGE SUBDIVISION, CITY OFEAST LANSING, INGHAM COUNTY,MICHIGAN, ACCORDING TO THERECORDED PLAT THEREOF ASRECORDED IN LIBER 8 OF PLATS,PAGE 38, INGHAM COUNTYRECORDS.

The redemption period shall be 6months from the date of such sale,unless abandoned under MCL125.1449K, in which case the redemp-tion period shall be 3 months, or underMCL 125.1449v, 30 days from the dateof such sale. MICHIGAN STATE HOUS-INGDEVELOPMENT AUTHORITY Mortgagee/Assignee Schneiderman & Sherman, P.C. 23938 Research Drive, Suite 300 Farmington Hills, MI 48335S20121003060549 FHA

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ATTN PURCHASERS: This sale maybe rescinded by the foreclosing mort-gagee. In that event, your damages, ifany, shall be limited solely to the returnof the bid amount tendered at sale, plusinterest.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Nikolay Badalyan, a marriedman and Karina Minasyan, original mort-gagor(s), to JPMorgan Chase Bank,National Association, Mortgagee, datedFebruary 6, 2006, and recorded on Feb-ruary 17, 2006 in Liber 3205 on Page569, in Ingham county records, Michi-gan, on which mortgage there is claimedto be due at the date hereof the sum ofEighty-Seven Thousand One HundredFifty-Seven and 10/100 Dollars($87,157.10).

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-

by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due, at the place of holding the circuitcourt within Ingham County, at 10:00AM, on March 31, 2016.

Said premises are situated in CharterTownship of Delhi, Ingham County,Michigan, and are described as: Lot 7Block 6 Cedar Heights according to therecorded plat thereof as recorded inLiber 8 of Plats Page 20.



Dated: February 29, 2016For more information, please call:FC S (248) 593-1304Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste. 200Farmington Hills, Michigan 48334-5422File #425259F02

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ATTN PURCHASERS: This sale may berescinded by the foreclosing mortgagee.In that event, your damages, if any, shallbe limited solely to the return of the bidamount tendered at sale, plus interest.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Richard D Wiersma II anunmarried man, original mortgagor(s), toThe Construction Loan Company, Mort-gagee, dated March 12, 2002, andrecorded on May 13, 2002 in Liber 2957on Page 855, and assigned by mesneassignments to Wells Fargo Bank, NA asassignee as documented by an assign-ment, in Ingham county records, Michi-gan, on which mortgage there is claimedto be due at the date hereof the sum ofFive Thousand Five Hundred Fifty-Eightand 29/100 Dollars ($5,558.29).

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due, at the place of holding the circuitcourt within Ingham County, at 10:00AM, on March 31, 2016.

Said premises are situated in City ofLansing, Ingham County, Michigan, andare described as: Lots 99 and 100, Lans-ing Addition Company's Subdivision ofOutlot B of Leslie Park Subdivision, Cityof Lansing, Ingham County, Michigan,according to the recorded plat thereof asrecorded in Liber 5 of Plats, Page 20,Ingham County Records


If the property is sold at foreclosuresale under Chapter 32 of the RevisedJudicature Act of 1961, pursuant to MCL600.3278 the borrower will be heldresponsible to the person who buys theproperty at the mortgage foreclosuresale or to the mortgage holder for dam-aging the property during the redemptionperiod.

Dated: February 29, 2016For more information, please call:FC D (248) 593-1309Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste. 200Farmington Hills, Michigan 48334-5422File #460442F01

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MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Marcus M Darden, a singleman individual, original mortgagor(s), toMortgage Electronic Registration Sys-tems, Inc., Mortgagee, dated July 7,2006, and recorded on July 14, 2006 inLiber 3227 on Page 609, and assignedby said Mortgagee to Federal NationalMortgage Association ("Fannie Mae"), acorporation organized and existing underthe laws of the United States of Americaas assignee as documented by anassignment, in Ingham county records,Michigan, on which mortgage there isclaimed to be due at the date hereof thesum of Seventy-One Thousand OneHundred Seventy and 90/100 Dollars($71,170.90).


Said premises are situated in City ofLansing, Ingham County, Michigan, andare described as: Lot 14, Block 3, Plat ofF.C. Taylor's Re-Plat of Dell's Subdivisionof Lot 14 of Seymour's Subdivision,according to the recorded plat thereof, asrecorded in Liber 5 of Plats, Page 13.



Dated: February 29, 2016For more information, please call:FC X (248) 593-1302Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste. 200Farmington Hills, Michigan 48334-5422File #456362F02

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Third InsertionAS A DEBT COLLECTOR, WE ARE

ATTEMPTING TO COLLECT A DEBTAND ANY INFORMATION OBTAINEDWILL BE USED FOR THAT PURPOSE.

NOTIFY US AT THE NUMBERBELOW IF YOU ARE IN ACTIVE MILI-TARY DUTY.

MORTGAGE SALE - Default havingbeen made in the terms and conditionsof a certain mortgage made by JENIFERA HAHN and ANDREW W HAHN, Wifeand Husband, Mortgagors, to ABNAMRO Mortgage Group, Inc., Mort-gagee, dated the 15th day of June, 2005and recorded in the office of the Registerof Deeds, for The County of Ingham andState of Michigan, on the 15th day ofJuly, 2005 in Liber 3174 of Ingham Coun-ty Records, page 187, said Mortgagehaving been assigned to BANK OFAMERICA, N.A., successor by merger toLaSalle Bank Midwest, N.A. on whichmortgage there is claimed to be due, atthe date of this notice, the sum of OneHundred Ten Thousand Two HundredSixty One Dollars and 40/100($110261.40), and no suit or proceedingat law or in equity having been institutedto recover the debt secured by said mort-gage or any part thereof.

Now, therefore, by virtue of the powerof sale contained in said mortgage, andpursuant to statute of the State of Michi-gan in such case made and provided,notice is hereby given that on the 24thday of March, 2016 at 10:00 AM o’clockLocal Time, said mortgage will be fore-closed by a sale at public auction, to thehighest bidder, at the Circuit Courthousein Ingham County MI (that being thebuilding where the Circuit Court for theCounty of Ingham is held), of the premis-es described in said mortgage, or somuch thereof as may be necessary topay the amount due, as aforesaid onsaid mortgage, with interest thereon at7.375 per annum and all legal costs,charges, and expenses, including theattorney fees allowed by law, and alsoany sum or sums which may be paid bythe undersigned, necessary to protect itsinterest in the premises. Which saidpremises are described as follows:

All that certain piece or parcel of land,including any and all structures, andhomes, manufactured or otherwise,located thereon, situated in the City ofLansing, County of Ingham, State ofMichigan, and described as follows, towit:

THE WEST 1/2 OF LOT 11, SUPERVI-SOR’S PLAT OF HOLOWAY SUBDIVI-SION, CITY OF LANSING, INGHAMCOUNTY, MICHIGAN, ACCORDING TOTHE RECORDED PLAT THEREOF ASRECORDED IN LIBER 19 OF PLATS,PAGE 35, INGHAM COUNTYRECORDS.

During the six (6) months immediatelyfollowing the sale, the property may beredeemed, except that in the event thatthe property is determined to be aban-doned pursuant to MCLA 600.3241a, theproperty may be redeemed during 30days immediately following the sale. Pur-suant to MCLA 600.3278, the mort-gagor(s) will be held responsible to theperson who buys the property at theforeclosure sale or to the mortgage hold-er for damaging the property during theredemption period.

If the sale is set aside for any reason,the Purchaser at the sale shall be enti-tled only to a return of the deposit paid.The Purchaser shall have no furtherrecourse against the Mortgagee or theMortgagee’s attorney

Dated: 2/22/2016 BANK OF AMERICA, N.A., successorby merger to LaSalle Bank Midwest,N.A. Mortgagee FABRIZIO & BROOK, P.C. Attorney forBANK OF AMERICA, N.A., successorby merger to LaSalle Bank Midwest,N.A. 700 Tower Drive, Ste. 510 Troy, MI 48098 (248) 362-2600 BOA HAHN

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MORTGAGE SALE – Default has beenmade in the conditions of a mortgagemade by JAMES C. FAILING andSUSAN K. FAILING, HUSBAND ANDWIFE, to SEATTLE MORTGAGE COM-PANY, Mortgagee, dated September 26,2005, and recorded on November 14,2005, in Liber 3192, on Page 923, andassigned by said mortgagee to Nation-star Mortgage LLC d/b/a ChampionMortgage Company, as assigned, Ing-ham County Records, Michigan, onwhich mortgage there is claimed to bedue at the date hereof the sum of OneHundred Fourteen Thousand Five Dol-lars and Thirty-Eight Cents($114,005.38), including interest at2.150% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due, the Circuit Courthouse in InghamCounty at 10:00 AM o'clock, on May 19,2016 Said premises are located in Ing-ham County, Michigan and are describedas:

Lot 79, Touraino, City of East Lansing,Ingham County, Michigan, according tothe recorded plat thereof as recorded inLiber 9 of Plats, Page 37, Ingham CountyRecords.

The redemption period shall be 6months from the date of such sale,unless abandoned under MCL600.3241, in which case the redemptionperiod shall be 1 month, or under MCL600.3241a 30 days from the date of suchsale, or 15 days from the MCL600.3241a(b) notice, whichever is later,or extinguished pursuant to MCL600.3238.

If the above referenced property is soldat a foreclosure sale under Chapter 600of the Michigan Compiled Laws, underMCL 600.3278, the borrower will be heldresponsible to the person who buys theproperty at the mortgage foreclosuresale or to the mortgage holder for dam-aging the property during the redemptionperiod. Nationstar Mortgage LLC d/b/a Champion Mortgage Company Mortgagee/Assignee Schneiderman & Sherman, P.C. 23938 Research Drive, Suite 300 Farmington Hills, MI 48335S20160210112016 FHA

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First Insertion



ATTN PURCHASERS: This sale may





Third Insertionbe rescinded by the foreclosing mort-gagee. In that event, your damages, ifany, shall be limited solely to the returnof the bid amount tendered at sale, plusinterest.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Andrew Howe, an unmarriedman, original mortgagor(s), to MortgageElectronic Registration Systems, Inc., asnominee for Michigan Mutual, Inc., itssuccessors and assigns, Mortgagee,dated May 11, 2007, and recorded onMay 22, 2007 in Liber 3267 on Page1196, and assigned by said Mortgageeto Bayview Loan Servicing, LLC asassignee as documented by an assign-ment, in Ingham county records, Michi-gan, on which mortgage there is claimedto be due at the date hereof the sum ofOne Hundred Twenty-Six Thousand OneHundred Eighty-Eight and 83/100 Dol-lars ($126,188.83).


Said premises are situated in City ofMason, Ingham County, Michigan, andare described as: Lot 21, Layland Subdi-vision , City of Mason, Ingham County,Michigan, according to the recorded Platthereof, as recorded in Liber 21 of Plats,Page 5, Ingham County Records.



Dated: February 22, 2016For more information, please call:FC H (248) 593-1300Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste 200Farmington Hills, Michigan 48334-5422File #458342F01

(02-22)(03-14)




MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Clement Goudiaby, A SinglePerson, original mortgagor(s), to PNCMortgage, a division of PNC Bank,National Association, Mortgagee, datedFebruary 16, 2010, and recorded onMarch 3, 2010 in Liber 3373 on Page1231, in Ingham county records, Michi-gan, on which mortgage there is claimedto be due at the date hereof the sum ofOne Hundred Three Thousand ThreeHundred Forty-Seven and 25/100 Dol-lars ($103,347.25).


Said premises are situated in City ofEast Lansing, Ingham County, Michigan,and are described as: Lot 10, SpartanManor, City of East Lansing, InghamCounty, Michigan, according to theRecorded Plat thereof, as Recorded inLiber 18 of Plats, Page 31, InghamCounty records.




(02-22)(03-14)




MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Debra Ries, original mort-gagor(s), to Washington Mutual Bank,FA, Mortgagee, dated October 25, 2006,and recorded on November 3, 2006 inLiber 3242 on Page 991, and assignedby mesne assignments to Bayview LoanServicing, LLC as assignee as docu-mented by an assignment, in Inghamcounty records, Michigan, on whichmortgage there is claimed to be due atthe date hereof the sum of One HundredSeventy-Eight Thousand Seven HundredFifty-One and 62/100 Dollars($178,751.62).


Said premises are situated in Townshipof White Oak, Ingham County, Michigan,and are described as: Part of the South-east 1/4 of the Southeast 1/4 of Section4, Town 2 North, Range 2 East, Michi-gan, described as follows:

Commencing at the Southeast cornerof said Section 4, thence North 03degrees 54 minutes 20 seconds West,along the centerline of Haywood Road,also being the East Section line of saidSection 4, 320.74 feet to the point ofbeginning of the parcel to be described;thence due West 1325.18 feet; thenceNorth 03 degrees 42 minutes 22 sec-onds West 334.42 feet; thence due East1324.01 feet; thence South 03 degrees54 minutes 20 seconds East, along thecenterline of Haywood Road 334.50 feetto the point of beginning.




(02-22)(03-14)




MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Jeffrey M. Bryan and KimberlyA. Bryan, husband and wife, originalmortgagor(s), to Mortgage ElectronicRegistration Systems, Inc. as nomineefor Chevy Chase Bank, F.S.B. its succes-




MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Carolina S. Abrigo, originalmortgagor(s), to Mortgage ElectronicRegistration Systems, Inc. as nomineefor Polaris Home Funding Corp its suc-cessors and assigns, Mortgagee, datedDecember 9, 2008, and recorded onDecember 17, 2008 in Liber 3328 onPage 162, and assigned by said Mort-gagee to JPMorgan Chase Bank,National Association as assignee asdocumented by an assignment, in Ing-ham county records, Michigan, on whichmortgage there is claimed to be due atthe date hereof the sum of SeventyThousand Five Hundred Seventy-Nineand 88/100 Dollars ($70,579.88).


Said premises are situated in City ofLansing, Ingham County, Michigan, andare described as: Lot 65, Supervisor'sPlat of Culver Dale, according to therecorded Plat thereof as recorded inLiber 20 on Page 49 of Plats, InghamCounty Records



Dated: February 22, 2016For more information, please call:FC S (248) 593-1304

Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste. 200Farmington Hills, Michigan 48334-5422File #460401F01

(02-22)(03-14)





MORTGAGE SALE – Default has beenmade in the conditions of a certain mort-gage made by: Shaun Johnson and DoraSaldivar, Unmarried Man and UnmarriedWoman to Mortgage Electronic Registra-tion Systems, Inc. as nominee for Coun-trywide Bank, FSB, its successors andassigns, Mortgagee, dated February 7,2008 and recorded May 22, 2008 inLiber 3307 Page 1255 Ingham CountyRecords, Michigan. Said mortgage wasassigned through mesne assignmentsto: Nationstar Mortgage, LLC by assign-ment dated July 10, 2013 and recordedJuly 23, 2013 in Instrument # 2013-035630 on which mortgage there isclaimed to be due at the date hereof thesum of Forty-Seven Thousand One Hun-dred Eighty-Five Dollars and Sixty-TwoCents ($47,185.62) including interest7.75% per annum.

Under the power of sale contained insaid mortgage and the statute in suchcase made and provided, notice is here-by given that said mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at public ven-due, Circuit Court of Ingham County at10:00AM on March 24, 2016 Said prem-ises are situated in City of Lansing, Ing-ham County, Michigan, and aredescribed as:

Lot 9 and the North 21.0 feet of Lot 8 ofKnollwood Park Subdivision, City ofLansing, Ingham County, Michigan.

Commonly known as 1324 KnollwoodAve, Lansing MI 48906

The redemption period shall be 6months from the date of such sale,unless determined abandoned in accor-dance with MCL 600.3241 or MCL600.3241a, in which case the redemp-tion period shall be 30 days from thedate of such sale, or upon the expirationof the notice required by MCL600.3241a(c), whichever is later; orunless MCL 600.3240(17) applies.

If the property is sold at foreclosure saleunder Chapter 32 of the Revised Judica-ture Act of 1961, under MCL 600.3278,the borrower will be held responsible tothe person who buys the property at themortgage foreclosure sale or to the mort-gage holder for damaging the propertyduring the redemption period.

Dated: 2/22/2016 Nationstar Mortgage LLC, Assignee ofMortgagee Attorneys: Potestivo & Associates, P.C.811 South Blvd. Suite 100 Rochester Hills, MI 48307 (248) 844-5123 Our File No: 16-34234

(02-22)(03-14)

Fourth InsertionNOTICE OF MORTGAGE SALE

NEUMANN LAW, P.C. IS ATTEMPT-ING TO COLLECT A DEBT. ANYINFORMATION WE OBTAIN WILL BEUSED FOR THAT PURPOSE. PLEASECONTACT OUIR OFFICE AT (517) 694-3300 IF YOU ARE IN ACIVE MILITARYDUTY.

MORTGAGE SALE - Default has beenmade in the conditions of a Mortgagemade by Mary E. Bennett a/k/a MaryEllen Bennett, Mortgagor, to Patrick Hay-hoe and Lari Hayhoe, husband and wife,Mortgagee, on September 2, 2005 andrecorded in the Office of the Register ofDeeds for the County of Ingham, State ofMichigan, on September 13, 2005 inLiber 3183 of Mortgages, Page 462, onwhich mortgage there is due as of thedate of this Notice the sum of Seventy-Three Thousand Six Hundred Ninety-SixDollars and Ninety-Five Cents($73,696.95), including interest at8.000% per annum.

Under the power of sale contained insaid Mortgage and pursuant to thestatute of the State of Michigan in suchcase made and provided, notice is here-by given that said Mortgage will be fore-closed by a sale of the mortgaged prem-ises, or some part of them, at publicvenue at the Veteran's Memorial Court-house, 313 W. Kalamazoo Ave., Lansing,Michigan, (that being one of the placesof holding Circuit Court in Ingham Coun-ty), at 10:00 a.m. on March 17, 2016.

Said premises are located in the City ofEast Lansing, County of Ingham, Stateof Michigan and are described as:·

LOT 7, EXCEPT THE NORTH 17FEET, GEISENHAVER SUBDIVISION,AS RECORDED IN THE RECORDEDPLAT THEREOF, AS RECORDED INLIBER 17 OF PLATS, PAGE 1, INGHAMCOUNTY RECORDS

The redemption period shall be sixmonths from the date of such sale,unless abandoned under MCL600.3241, in which case the redemptionperiod shall be 1 month, or under MCL600.3241a 30 days from the date of suchsale, or 15 days from the MCL600.3241a(b) notice, whichever is later,or extinguished pursuant to MCL600.3238.

If the above-referenced property issold at a foreclosure sale under Chapter600 of the Michigan Compiled Laws,under MCL 600.3278, the borrower willbe held responsible to the person whobuys the property at the mortgage fore-closure sale or to the mortgage holderfor damaging the prope1iy during theredemption period.

Patrick Hayhoe and Lari Hayhoe MortgageeNeumann Law, P.C.2040 Aurelius Rd., Suite 21Holt, MI 48842

(2-15) (3-7)




MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Betty Joan Webkamigad, amarried woman, original mortgagor(s), toArgent Mortgage Company, LLC, Mort-gagee, dated November 2, 2004, andrecorded on November 17, 2004 in Liber3139 on Page 500, and assigned by saidMortgagee to Wells Fargo Bank, Nation-al Association, as Trustee for Park PlaceSecurities, Inc. Asset-Backed Pass-Through Certificates Series 2005-WCH1as assignee as documented by anassignment, in Ingham county records,Michigan, on which mortgage there isclaimed to be due at the date hereof thesum of Ninety-Four Thousand One Hun-dred Seventy-Nine and 28/100 Dollars($94,179.28).


Said premises are situated in City ofLansing, Ingham County, Michigan, andare described as: Lot 26, Block 2, Plat ofRumsey's Michigan Avenue Addition tothe City of Lansing, Ingham County,Michigan, also commencing at theSoutheast corner of Lot 26, thence East6 feet, thence North 44 feet, thence West6 feet, thence South 44 feet to the pointof beginning.



sors and assigns, Mortgagee, datedSeptember 6, 2006, and recorded onSeptember 19, 2006 in Liber 3236 onPage 830, and assigned by said Mort-gagee to U.S. Bank National Associa-tion, as Trustee relating to Chevy ChaseFunding LLC Mortgage Backed Certifi-cates Series 2006-4 as assignee as doc-umented by an assignment, in Inghamcounty records, Michigan, on whichmortgage there is claimed to be due atthe date hereof the sum of One HundredFifty-Three Thousand One Hundred Twoand 98/100 Dollars ($153,102.98).


Said premises are situated in CharterTownship of Delhi, Ingham County, Michi-gan, and are described as: The East 155feet of Lot 27, of Wentland's CollegePointe No. 2, Delhi Township, InghamCounty, Michigan, as recorded in Liber 23of Plats, Page 2, Ingham County Records.



Dated: February 22, 2016For more information, please call:FC J (248) 593-1311Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste. 200Farmington Hills, Michigan 48334-5422File #459704F01

(02-22)(03-14)

Monday, March 7, 2016 Ingham County Legal News,



Fourth InsertionDated: February 15, 2016

For more information, please call:FC H (248) 593-1300Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste 200Farmington Hills, Michigan 48334-5422File #457927F02

(02-15)(03-07)




MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Frank A. Rector Jr., a marriedman and Elisabeth Rector a marriedwoman as husband and wife, originalmortgagor(s), to CitiMortgage, Inc. assuccessor in interest by merger to ABNAMRO Mortgage Group, Inc., Mort-gagee, dated August 4, 2003, andrecorded on August 14, 2003 in Liber3056 on Page 716, in Ingham countyrecords, Michigan, on which mortgagethere is claimed to be due at the datehereof the sum of Sixty-Seven ThousandFour Hundred Fifty-Two and 73/100 Dol-lars ($67,452.73).


Said premises are situated in Townshipof Onondaga, Ingham County, Michigan,and are described as: The North 1 acreof the South 5 acres of the East 1/2 ofthe East 1/2 of the Southeast 1/4 of Sec-tion 15, Town 1 North, Range 2 West,Township of Onondaga, Ingham County,Michigan. Also, beginning in the centerline of Aurelius Road at a point 329.25feet northerly of the Southeast corner ofSection 15, Town 1 North, Range 2 West,Township of Onondaga, Ingham County,Michigan; thence West along the Southline of a parcel of property described as:the East 1/2 of the East 1/2 of the South-east 1/4 of said Section 15, except: theSouth 5 acres thereof, to a point 329.25feet North of a point on the centerline ofKinneville Road, which is located 661.5feet West of the Southeast Corner ofsaid Section 15; thence North 1 rod;thence East parallel with said South lineto the Centerline of Aurelius road; thenceSoutherly 1 rod to the place of begin-ning, all in Section 15, Town 1 North,Range 2 West, Onondaga Township, Ing-ham County, Michigan



Dated: February 15, 2016For more information, please call:FC X (248) 593-1302Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste 200Farmington Hills, Michigan 48334-5422File #457950F01

(02-15)(03-07)

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Dorothy M. Reeves, originalmortgagor(s), to Mortgage ElectronicRegistration Systems, Inc.as nomineefor Countrywide Bank, FSB its succes-sors and assigns, Mortgagee, dated July11, 2007, and recorded on July 20, 2007in Liber 3274 on Page 522, and assignedby mesne assignments to Ditech Finan-cial LLC FKA Green Tree Servicing LLCas assignee as documented by anassignment, in Ingham county records,Michigan, on which mortgage there isclaimed to be due at the date hereof thesum of Seventy-Three Thousand FiveHundred Eighty and 72/100 Dollars($73,580.72).


Said premises are situated in City ofLansing, Ingham County, Michigan, andare described as: Lot 28, Yorkshire ParkSubdivision No. 1, City of Lansing, Ing-ham County, Michigan, according to therecorded plat thereof as recorded inLiber 19 of Plats, Page 47, InghamCounty Records.



Dated: February 15, 2016For more information, please call:FC S (248) 593-1304Trott Law, P.C.Attorneys For Servicer31440 Northwestern Hwy Ste 200Farmington Hills, Michigan 48334-5422File #458639F01

(02-15)(03-07)




IF YOU ARE NOW ON ACTIVE MILI-TARY DUTY OR HAVE BEEN IN THEPRIOR ONE YEAR, PLEASE CONTACTOUR OFFICE AT 248-502-1400.

MORTGAGE SALE - Default has beenmade in the conditions of a mortgagemade by Billie Jo Isham, a single person,to Mortgage Electronic Registration Sys-tems, Inc., as nominee for NationstarMortgage LLC, Mortgagee, dated June13, 2013 and recorded June 17, 2013 inInstrument Number 2013-030278, Ing-ham County Records, Michigan. Saidmortgage is now held by NationstarMortgage LLC, by assignment. There isclaimed to be due at the date hereof thesum of Eighty-Nine Thousand ThreeHundred Eighty-Seven and 43/100 Dol-lars ($89,387.43), including interest at5% per annum.


Said premises are located in the Town-ship of Lansing, Ingham County Michi-gan, and are described as:

Lots 17 and 18 of Irmagene Subdivi-sion, according to the recorded platthereof, as recorded in Liber 14 of Plats,page 10 of Ingham County Records.




(02-15)(03-07)

August 3-7, 2015

Matthew Powers to MERS,DART BANK, Downers Ziba AResubdivision L: 73, L: 74, Cityof Lansing, $85,405.00

Mark and Regina PierceMERS, UNION HOME MORT-GAGE CORPORATION, AspenWoods East Subdivision L: 3,Delhi Township, $245,000.00

Amy Galatian to MERS,CHERRY CREEK MORTGAGECOMPANY INCORPORATED,Schoolview #1 Subdivision L:153, City of Lansing, $85,405.00

Narasimhareddy Koduri toMERS, BANK OF AMERICANA, Crossings at Abbott Park-side #3 Sub L: 67, City of EastLansing, $135,000.00

Jessica Maurer to DARTBANK, Owens 3rd AdditionSubdivision L: 2 B: 27, City ofWilliamston, $68,210.00

Brandon Swab to MERS,UNION HOME MORTGAGECORPORATION, Maple GroveSubdivision L: 21, City of Lans-ing, $112,891.00

Steven and Sue Markham toLANSING AUTOMAKERSFEDERAL CREDIT UNION,LAFCU, Sagamore Hill Subdivi-sion L: 11 B: 1, City of Lansing,$44,000.00

Terry Galey to LANSINGAUTOMAKERS FEDERALCREDIT UNION, LAFCU, Web-ster Farm #3 Subdivision L: 218,L: 219, City of Lansing,$48,000.00

Patrick and Marianne Dion toLANSING AUTOMAKERSFEDERAL CREDIT UNION,LAFCU, Downers Ziba A Resub-division L: 104, L: 105, City ofLansing, $57,600.00

Tamara Durante to FIFTHTHIRD MORTGAGE MICHI-GAN LLC, Midway #1 Subdivi-sion L: 59, City of Lansing,$115,400.00

Ryan and Keyan Roberts toMERS, DART BANK, Briar-wood #03 Subdivision L: 90,Meridian Township, $175,750.00

Peggy Love to LANSINGAUTOMAKERS FEDERALCREDIT UNION, LAFCU, Landin Section 12, Meridian Town-ship, $98,000.00

Frank, Jr. and Andrea Phillipsto PNC BANK NATIONALASSOCIATION, Lamoreaux #3Subdivision L: 100, Delhi Town-ship, $36,700.00

Randall and Vicki Sellers toMICHIGAN STATE UNIVER-SITY FEDERAL CREDITUNION, Ravenswood #4 Subdi-vision L: 195, Lansing Town-ship, $106,320.00

Emily Merewitz and WalterHolm to MERS, EVERBANK,Oakleaf Hills Subdivision L: 15,Williamston Township,$255,300.00

Mark Hendel to MERCAN-TILE BANK OF MICHIGAN,Loch Woode Estates #4 Subdivi-sion L: 100, Delhi Township,$182,250.00

Norma and Ryan Eppinger toHUNTINGTON NATIONALBANK, Fairfield Place Condo-minium L: 100, City of Lansing,$15,099.66

Trumble Properties LLC toCASE CREDIT UNION, DodgeC C & Dodge & Daniels Sub L:1, City of Lansing, $37,500.00

Brett and Renee Firminghamto FLINT AREA SCHOOLEMPLOYEES CREDIT UNION,Kingswood Subdivision L: 17,

Meridian Township, $58,167.00Kathleen and Tedd Bratschi to

MERS, OCEANSIDE MORT-GAGE COMPANY, KimberlyDowns Subdivision L: 34, Cityof Lansing, $120,474.00

Tamara Kurmel and MERS,QUICKEN LOANS INCORPO-RATED, Grandview at CollegeFields L: 9, City of Lansing,$345,550.00

Andrea and Matthew Brmanto FIFTH THIRD MORTGAGEMICHIGAN LLC, Colonial Vil-lage #3 Subdivision L: 148, Cityof Lansing, $77,274.00

Erik Fusco and SamanthaSouth to MICHIGAN STATEUNIVERSITY FEDERALCREDIT UNION, MeadowRidge #4 Subdivision L: 104,Delhi Township, $165,775.00

Anna Kociuba to MERS,NATIONSTAR MORTGAGELIMITED LIABILITY COMPA-NY, Shoals Subdivision L: 18,Meridian Township, $184,000.00

Matthew and Jenifer Logan toMERS, FREEDOM MORT-GAGE CORPORATION, OttawaHills Subdivision L: 42, Meridi-an Township, $180,226.00

Michael and Yvonne wolf toWELLS FARGO BANK NA,Foxwood #2 Subdivision L: 90,Delhi Township, $155,010.00

Brandon Collins to MERS,QUICKEN LOANS INCORPO-RATED, River view Park Subdi-vision L: 28, City of Lansing,$39,886.00

Shawn Stolnacke to MERS,QUICKEN LOANS INCORPO-RATED, Sunset Hills #04 Subdi-vision L: 110, City of Lansing,$106,557.00

Joshua Smith to LAKETRUST CREDIT UNION,Chesterfield Hills #1 Subdivi-sion, L: 97, L: 98, City of EastLansing, $8,000.00

Geoffrey and Dawn Bruce toMERS, TOWN MORTGAGECOMPANY, English Meadows IISubdivision L: 41, Delhi Town-ship, $171,900.00

Kelly Marble to MERS,GREEN TREE SERVICINGLLC, Land in Section 28, DelhiTownship, $168,400.00

Scott Hempstead to WELLSFARGO BANK NA, Cherry HillSupervisors Plat L: 53, City ofLansing, $60,681.60

Randall Gerhardstein toMASON STATE BANK, Land inSection 21, Vevay Township,$10,260.35

James Stoll and Stacy Slobod-nik to MASON STATE BANK,Marscot Meadows SubdivisionL: 60, City of Lansing,$50,000.00

Faith Assembly of God Leslieto ASSEMBLIES OF GODLOAN FUND, Original Plat L: 1B: 12, Land in Section 21, Cityof Leslie, Leslie Township,$121,000.00

Atul and Jyoti Afre to MERS,PROVIDENT FUNDINGASSOCIATES LP, GeorgetownSubdivision L: 33, MeridianTownship, $289,800.00

Elizabeth, Brian L. and BrianJ. Whiston to DEARBORNFEDERAL SAVINGS BANK,Fieldstone Village CondominiumL: 37, Meridian Township,$168,000.00

Lonnie Hicks to MERS,UNION HOME MORTGAGECORPORATION, WestmorePark #1 Subdivision L: 153, Cityof Lansing, $72,659.00

Kaitlyn Hedgcock and

Matthew Bacon to MERS,UNION HOME MORTGAGECORPORATION, Breiten ParkSubdivision L: 113, L: 114, Cityof Lansing, $58,814.00

Zachery Patrick to DARTBANK, Burnett Subdivision L:46, City of Lansing, $66,817.00

Brenda Ross to DARTBANK, Waverly Hills Subdivi-sion L: 24, Lansing Township,$111,453.00

Tory Richards to MERS,QUICKEN LOANS INCORPO-RATED, Glens of WilloughbyCondominium L: 10, DelhiTownship, $102,500.00

Shelly and James Harbenskito MERS, PACIFIC UNIONFINANCIAL LLC, Land in Sec-tion 9, Aurelius Township,$182,107.00

Andrew Mossner to MERS,AMERIFIRST FINANCIALCORPORATION, Higgins Sub-division L: 25, Delhi Township,$82,968.00

Pavan Jataprolu to MERS,DART BANK, Central ParkEstates Subdivision L: 53,Meridian Township, $337,492.00

Lewis and Deborah Gaddie toMERS, DART BANK, Land inSection 26, Aurelius Township,$102,000.00

Freddie Cunningham andMargaret Mooney to MERS,NATIONAL BANK OFKANSAS CITY, Hunt AcresSubdivision L: 5, Delhi Town-ship, $101,250.00

Colleen Palmer to MERS,DART BANK, Parkdale Subdivi-sion L: 81, City of Lansing,$85,600.00

Lauren Wilcox to MERS,SUCCESS MORTGAGE PART-NERS INCORPORATED, Hop-wood Acres #6 Subdivision L:136, Lansing Township,$89,351.00

Jimmy Bailey to DFCUFINANCIAL, Greencroft Subdi-vision L: 205, City of Lansing,$50,900.00

Lisa and Bradley Choate toMICHIGAN STATE UNIVER-SITY FEDERAL CREDITUNION, Williamsburg Condo-minium L: 87, City ofWilliamston, $37,941.00

Patricia Dyer and JamesDeckrow to MICHIGAN STATEUNIVERSITY FEDERALCREDIT UNION, Land in Sec-tion 1, Onondaga Township,$100,000.00

Sonia and Dennis Lerch toMICHIGAN STATE UNIVER-SITY FEDERAL CREDITUNION, Land in Section 5,Williamston Township,$80,000.00

James Convissor and WilliamCrank to E. MARIE MOLNARREVOCABLE TRUST, MooresRiver Estates Condominium L:5, City of Lansing, $210,000.00

Matthew and Rein Vidito fkaErin Schonfelder to HUNTING-TON NATIONAL BANK, Landin Section 14, Locke Township,$25,150.00

Chris aka Christopher andTesa Adams to MICHIGANHOMEOWNER ASSISTANCENONPROFIT HOUSING COR-PORATION, Meadow Ridge #5Subdivision L: 138, Delhi Town-ship, $14,905.18

Rachel and Daniel McLeod toMICHIGAN HOMEOWNERASSISTANCE NONPROFITHOUSING CORPORATION,Parkview Subdivision L: 6, Cityof Mason, $10,184.70

MORTGAGES RECORDED

, Ingham County Legal News Monday, March 7, 2016

Stadium BondsDear Mr. Berko: Several

years ago, I bought $25,000 ofthe Arizona Sports and TourismAuthority bonds maturing in2036. These bonds financedUniversity of Phoenix Stadium,where the Arizona Cardinalsplay their home football games.Now the Arizona court systemclaims that the bonds are notentitled to receive taxes fromrental car revenues. How willthis affect my bonds? Where doesthis stand now? Should I sell?

–– HM, Moline, Ill.

Dear HM: The 63,408-seatUniversity of Phoenix Stadiumopened in 2006 and only cost$485 million. And there musthave been a whole lot of porkdelivered with that amount. Theresult of this legislative influ-ence is that quite a few localpolit icians may have extra-cushy retirements soon.

According to my daughter,Hilary, an attorney (one of thegood ones) in Phoenix, theSuperior Court of Arizona inMaricopa County issued an"advisement ruling" in June2014. The ruling holds that carrental tax revenues relate to theoperation of automobiles onhighways and streets; therefore,those taxes can only be used forpublic highways or streets asset forth in the state constitu-tion. Makes sense to me! Thecourt's final judgment should beannounced soon. According toHilary, whether or not theadvisement ruling holds,appeals will be filed on numer-ous issues, so the ArizonaSports and Tourism Authoritywill be paying high-pricedlawyers in bespoke suits mil-lions of dollars all the way upto the Arizona Supreme Court.It could be years before a final

determination is made.Fitch Ratings downgraded

the bonds for the OrlandoMagic's Amway Center to junkstatus in 2010 because touristrevenues were insufficient, andthat voided the indenture of thebonds. The bonds crashed butwere rescued much later. Fitchwill tell you that if car rentaltax revenues are "estopped" bythe court, your bonds will alsobe given a junk status ratingand may temporarily fall inprice. It could be sooner thanlater because the managementauthority overseeing the stadi-um was $48 million short inmeeting i ts voter-approvedobligations. That's concerning!

Phoenix, Atlanta, Houston,Chicago, St. Petersburg, Miamiand other cities have issued sta-dium bonds that depend upontourist taxes to pay the interestand debt obligations. And thosebonds tend to be lower-ratedbecause of their reliance on see-sawing entertainment andtourist taxes for revenues. Theyalso are very sensitive to thehealth of their local economiesand can be volatile if the touristtrade begins to wane. Withouttourists, many of the amenitiesthat cities like to brag about(arts, public parks, conventionand entertainment centers,museums, etc.) would not beaffordable. So those amenitiescome with a price.

Municipali t ies that musthave tourist dollars to pay offtheir bonds are courtingtourists, aggressively and with-out shame. But in some locales,tourists are a niggling nuisanceto year-round residents. Somepeople are offended at theirintrusions on their normal dailyamenities. St. Petersburg, Flori-da, jingoistically courts tourists

as politicians seek campaignmoney. And those touristsdescend on the city's infrastruc-ture like locust plagues, smoth-ering local golf courses, restau-rants, shopping malls, movie the-aters, beaches, medical practi-tioners' offices and marinas.Then they clog the roads, sub-sume parking spaces and areresponsible for the seasonalspike in traffic accidents. Andthis angers UPS, FedEx and taxidrivers, one of whom told me ofvarious intersections on his routewhere making a left turn duringthe tourist season can take aslong as six minutes. Another ofthose fellows told me that on hisday off, he fantasizes aboutwalking St. Petersburg's mainstreets while holding a big plac-ard that says, "Tourists, stayhome." I suggested that he couldbe fired and arrested for disturb-ing the city's peace.

Phoenix is in MaricopaCounty, and the county's treas-urer, Charles "Hos" Hoskins,says there are millions in thecounty's many slush funds,emergency funds and specialfunds to keep the bond interestcurrent. Certainly, Phoenixwould not want the negativepublicity of a defaulting bond,and Hos would be quick as abunny with money to avoid anyhint of default. Those bonds aregood to hold.

______

Please address your finan-cial questions to MalcolmBerko, P.O. Box 8303, Largo,FL 33775, or email him [email protected]. To findout more about Malcolm Berkoand read features by other Cre-ators Syndicate writers andvisit the Creators Syndicatewebsite at www.creators.com.

Taking StockMALCOM BERKO

SHERIFF’S DEEDS

October 5-9, 2015

Brian Welke to S&S ACQUI-SITIONS GROUP LLC, Asses-sors Plat #56 L: 33, City ofLansing, $6,102.63

Thomas Holland to BESTCOAST REALTY LLC, Asses-sors Plat #20 L: 5 B: 4, City ofLansing, $6,250.00

David and Trudi Wall toHAMRICK HOLDINGS LLC,Holt Farms #2 Subdivision L:148, Delhi Township,$31,000.00

Susan McKay to US BANKNATIONAL ASSOCIATION,Pinecrest Townhouses Condo-minium L: 10, PT: Carport #29,City of East Lansing, $63,000.00

Bobby and Janette Smith toGREEN TREE SERVICINGLLC, Northbrook Farms Subdi-vision L: 37, City of Mason,$113,000.00

Paul and Kimberly More-house to MICHIGAN STATEHOUSING DEVELOPMENTAUTHORITY, Delta Heights #1Subdivision L: 58, City of Lans-ing, $54,510.00

Lori McDougal nka Lori Halland Kenneth Hall to BANK OFAMERICA NA, Village Green#2 Subdivision L: 87, City ofLansing, $45,820.00

Stanley Cotton to US BANKTRUST NA TR, LSF8 MAS-TER PARTICIPATION TRUSTBYTR, City of Lansing,$26,238.91

Ophelia Allen to FANNIEMAE AKA FEDERALNATIONAL MORTGAGEASSOCIATION, McPhersonsHeatherwood #7 Subdivision L:412, City of Lansing,$51,000.00

Brian Bennickson to FEDER-AL HOME LOAN MORT-GAGE CORPORATION,Churchill Downs #1 SubdivisionL: 300, City of Lansing,$17,768.00

Kasey and Timothy Berry toFEDERAL NATIONALMORTGAGE ASSOCIATION,Land in Section 4, City of Lans-ing, $20,900.00

Jerry Gerard to FANNIEMAE AKA FEDERALNATIONAL MORTGAGEASSOCIATION, Towar Gar-dens Subdivision L: 148, Merid-ian Township, $65,138.76

Jetta King to WELLSFARGO BANK NA, West LawnSubdivision L: 17, City of Lans-ing, $41,080.00

Donald and Patricia Norton toFANNIE MAE AKA FEDER-AL NATIONAL MORTGAGEASSOCIATION, Land in Sec-tion 9, Leroy Township,$90,000.00

Robert and Rhonda Robinsonto BANK OF NEW YORKMELLON TR, STRUCTUREDASSET MORTGAGE INVEST-MENTS II TRUST 206 AR7BYTR, Coachlight Estates Sub-division L: 74, City of Lansing,$81,428.19

Holliace Spencer to PHHMORTGAGE CORPORATION,Stone Lake Condominium L: 9,

City of East Lansing,$125,023.50

Kelvin Torbert to US BANKTRUST NA TR, LSF9 MAS-TER PARTICIPATION TRUSTBYTR, East Meadows Condo-minium L: 2, Meridian Town-ship, $93,925.00

Tamara Wright to WELLSFARGO BANK NA, HuntleySquare Subdivision L: 7, DelhiTownship, $70,591.50

Hayley Teachout to CAL-IBER HOME LOANS INCOR-PORATED, Land in Section 16,Bunker Hill Township,$78,027.51

October 12-16, 2015

James and Linda Ferris toDEUTSCHE BANK NATION-AL TRUST COMPANYAMERICAS TR, RESIDEN-TIAL ACCREDIT LOANSINCORPORATED, Penn WaySubdivision L: 13, City of Lans-ing, $70,374.96

James Simpson to UNITEDSECURITY FINANCIAL,Maple Heights Subdivision L:16, City of Lansing, $25,500.00

Guadalupe Castillo to VISIOFINANCIAL SERVICESINCORPORATED, Bush Butler& Sparrows Addition L: 8 B: 9,City of Lansing, $35,000.00

William and Angela Mills toMICHIGAN STATE HOUSINGDEVELOPMENT AUTHORI-TY, Paul Park Addition Subdivi-sion L: 19, City of Lansing,$23,700.00

Derrick Lewis toDEUTSCHE BANK NATION-AL TRUST COMPANY TR, JPMORGAN MORTGAGEACQUISITION TRUST 2007CH5 BYTR, Elmwood FarmsSupervisors Plat L: 57, City ofLansing, $26,400.00

Tammy Wallace to INDE-PENDENT BANK, Land in Sec-tion 20, Onondaga Township,$35,587.90

Gary, Jr. and Carlee Kurth toGREENSTONE FARM CRED-IT SERVICES FLCA, Land inSection 11, Stockbridge Town-ship, $58,048.91

October 12-16, 2015

Margaret Gonzalez toNATIONSTAR MORTGAGELIMITED LIABILITY COM-PANY, Pleasant Grove #2 Sub-division L: 582, City of Lansing,$29,230.00

Gary and Judith Lewis toBANK OF AMERICA NA,Michigan Heights Subdivision L:158, L: 159, Lansing Township,$87,673.46

Kevin Mason to PNC MORT-GAGE, Marywood SubdivisionL: 26, City of Lansing,$48,190.00

Peter Martinez to WELLSFARGO BANK NA TR,OPTION ONE MORTGAGELOAN TRUST 2003 3 BYTR,Capitol Heights Subdivision L:47, City of Lansing, $14,450.00

Mary Frye to US BANKTRUST NA TR, LSF8 MAS-TER PARTICIPATION TRUSTBYTR, Land in Section 1,Bunker Hill Township,$69,970.41

Gerald Cupples to FREE-DOM MORTGAGE CORPO-RATION, Lansing ImprovementCompanys Addition L: 7 B: 8,City of Lansing, $36,571.50

Kristen Chirio to MICHIGANSTATE HOUSING DEVELOP-MENT AUTHORITY, BreitenPark Subdivision L: 176, City ofLansing

Danny Brandon to FIDELITYBANK, Jefferson Heights Subdi-vision L: 34, Delhi Township,$70,900.00

Jonathan Bowles to MICHI-GAN STATE HOUSINGDEVELOPMENT AUTHORI-TY, Radio Estates SupervisorsPlat L: 64, City of Lansing,$23,700.00