Notice of Foreclosure by Advertisement
Notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the following 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 Berrien County, Michigan, 811 Port Street, St. Joseph, Michigan 49085 starting promptly at 11:00 a.m. on April 23, 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.
Real Estate: The real estate is located at 18268 Three Oaks Road, Three Oaks, Michigan 49128.
Mortgage Information: The real estate is being sold because default has been made on the conditions of a mortgage on the real estate. The mortgage is dated August 4, 2008 and was given by Debra L. Lidke, the mortgagor, to New Buffalo Savings Bank n/k/a Everwise Credit Union, the mortgagee. The mortgage was recorded on August 8, 2008 in Liber 2854 on page 789 in the Office of the Register of Deeds for Berrien County, Michigan.
Amount Due on Mortgage: The amount claimed to be due under the mortgage as of the date of this notice is $30,995.36 which includes principal, unpaid interest, late fees, and attorney=s fees. This amount includes annual interest at 7.875% per year. The amount due under the mortgage will increase as additional interest, costs, expenses, and attorney=s fees accrue on the mortgage.
Redemption Period and Liability for Damage: The period within which the mortgagor may redeem the real estate will be six months from the date of the foreclosure sale, unless it is determined to be abandoned in accordance with M.C.L. Section 600.3241a, in which case the redemption period will be 30 days from the date of the sale. If the property is sold at the foreclosure sale, pursuant to MCL 600.3278, the mortgagor and any other person liable on the mortgage will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damage to the property during the redemption period. (See M.C.L. Section 600.3278.)
Legal Description of Mortgaged Property: That part of the Northeast Quarter of the Southeast Quarter of Section 10, Township 8 South, Range 20 West, Three Oaks Township, Berrien County, Michigan, described as follows to-wit: Commencing at the Southeast corner of the Northeast Quarter of the Southeast Quarter of said Section 10; thence North 13-1/3 rods; thence West 12 rods; thence South 13-1/3 rods; thence East 12 rods to the place of beginning.
The real estate is also identified with Tax Parcel No. 11-20-0010-0005-00-2
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: March 19, 2026
Phillip A. Garrett, Esq.
Thorne Grodnik, LLP
420 Lincolnway West
Mishawaka, Indiana 46546
(574) 256-5660