DEREK RUTH

Attorney File #: 447722F02
Notice ID: 1482876
First Publication Date: 12/1/2022
Number of Insertions: 4
Last Publication Date: 12/22/2022
County: Berrien

Begin Notice
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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, starting promptly at 11:00 AM, on January 13, 2023. The amount due on the mortgage may be greater on the day of 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:
Name(s) of the mortgagor(s): Derek M. Ruth and Deborah S. Ruth, husband and wife
Original Mortgagee: Lake Pacor Home Mortgage
Foreclosing Assignee (if any): The Bank of New York Mellon, as indenture trustee, on behalf of the holders of the CSMC Trust 2010-16 Mortgage-Backed Notes and Certificates, Series 2010-16
Date of Mortgage: January 14, 2005
Date of Mortgage Recording: February 8, 2005
Amount claimed due on date of notice: $124,835.28
Description of the mortgaged premises: Situated in City of St Joseph, Berrien County, Michigan, and described as: Lot(s) 16 of River Bend, according to the plat thereof recorded in Liber 12 of Plats, Page 46.
Common street address (if any): 1062 Lydia Dr, Saint Joseph, MI 49085-2823
The redemption period shall be 1 year from the date of such sale, unless determined abandoned in accordance with MCL 600.3241a.
If the property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to MCL 600.3278 the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damaging the property during the redemption period.
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.
This notice is from a debt collector.
Date of notice: December 1, 2022
Trott Law, P.C.
31440 Northwestern Hwy, Suite 145
Farmington Hills, MI 48334
(248) 642-2515

1482876
(12-01)(12-22)