8424 E M 20, Hesperia, MI 49421-8503

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 Oceana County, starting promptly at 10:00 AM, on March 26, 2026. 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): Laura L. Ralston, a single woman Original Mortgagee: CitiFinancial, Inc. Foreclosing Assignee (if any): Citibank, N.A., as trustee for CMLTI Asset Trust Date of Mortgage: May 19, 2005 Date of Mortgage Recording: May 23, 2005 Amount claimed due on date of notice: $17,093.75 Description of the mortgaged premises: Situated in Township of Newfield, Oceana County, Michigan, and described as: The following described premises situated in the Township of Newfield, County of Oceana, and State of Michigan: commencing at a point on the South line of the West 3/4 of the South 1/2 of the Southwest 1/4 of the Southeast 1/4 of Section 26, Town 14 North, Range 15 West, said point being 924 feet West of the Southeast corner of said West 3/4 of the South 1/2 of the Southwest 1/4 of the Southeast 1/4 of said Section 26; thence North 320 feet; thence East parallel to the South line of Section 26, 132 feet; thence North to the North line of the West 3/4 of the South 1/2 of the Southwest 1/4 of the Southeast 1/4 of said Section 26; thence West along said North line, 254 feet; thence South to the South line of Said Section 26; thence East along said South line of Section 26, 122 feet to the place of beginning. Common street address (if any): 8424 E M 20, Hesperia, MI 49421-8503 The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCL 600.3241a; or, if the subject real property is used for agricultural purposes as defined by MCL 600.3240(16). 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: February 19, 2026 Trott Law, P.C. 31440 Northwestern Hwy, Suite 145 Farmington Hills, MI 48334 (248) 642-2515 (02-19)(03-12)