Foreclosure - Franceschina - 12/3/25

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 BAY County, starting promptly at 11:00 AM, on January 9, 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. MORTGAGE INFORMATION: Default has been made in the conditions of a certain mortgage made by Terreance Franceschina, An unmarried man, whose address is 1910 Michigan Avenue, Bay City, MI 48708, as original Mortgagors, to Mortgage Electronic Registration Systems, inc., as nominee for Homecomings Financial Network, Inc., being a mortgage dated June 10, 2004, and recorded on June 18, 2004 in Liber 2224 Page 1, Bay County Records, State of Michigan and then assigned through mesne assignments to U.S. Bank National Association, as Indenture Trustee on behalf of and with respect to Barclays Mortgage Trust 2021-NPL1, Mortgage-Backed Securities, Series 2021-NPL1, as assignee as documented by an assignment dated January 10, 2022 and recorded on January 10, 2022 and given document number 202200542 in Bay County Records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of TWENTY-SEVEN THOUSAND ONE HUNDRED ELEVEN AND 75/100 DOLLARS ($27,111.75). Said premises are situated in the City of Bay City, County of Bay, State of Michigan, and are described as: Beginning on the West line of Michigan Avenue, thirty three (33) feet West and sixty (60) feet South of the Northeast corner of the Southeast quarter (SE1/4) of Northwest quarter (NW1/4); thence South seventy two (72) feet; thence West one hundred twenty five (125) feet to the beginning; Section Four (4), Town thirteen (13) North, Range five (5) East. Street Address: 1910 Michigan Avenue, Bay City, MI 48708 The redemption period shall be 6 months from the date of such sale, unless the property is determined abandoned in accordance with MCLA § 600.3241a in which case the redemption period shall be 30 days from the date of the sale. If the property is sold at a foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to MCLA § 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. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. 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: December 3, 2025 For more information, please contact the attorney for the party foreclosing: Robert A. Blumberg (P87490), Johnson, Blumberg, & Associates, LLC, 30 North LaSalle St., Suite 3650 Chicago, Illinois, 60602. Telephone: 312-541-9710. File No.: MI 25 6350. (12-03)(12-24) 48-4
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