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ELGA Credit Union - Legal Department, 6065 Grand Pointe Blvd. Grand Blanc, Mich. 48439.
This office is a debt collector attempting to collect a debt. Any information we obtain will be used for that purpose.
Notice of foreclosure by advertisement - A default has been made in the conditions of a certain mortgage made by David Galerneau, a single man (hereafter Mortgagor), to ELGA Credit Union, a Michigan financial institution and mortgagee, dated November 30, 2018, and thereafter recorded on December 11, 2018, in instrument no. 201800003847, Liber 546, pages 1215-1229 of the Alcona County Register of Deeds.
There is claimed to be due at the date hereof the sum of one hundred and seven thousand, one hundred and fifty and 55/100 ($107,150.55) dollars excluding interest at the rate of 7.75 percent per annum.
Under the power of sale contained in said mortgage and the statute in such case made and provided, notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the aforementioned 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 Alcona County, starting promptly at 10 a.m., on January 21, 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.
Said premises is located in the Township of Greenbush, County of Alcona, and legally described as follows: The south 125 feet of Lot 4, lying east of Cedar Lake Road, formerly known as County Highway M-72, Section 27, Township 25 North, Range 9 East excepting therefrom the south 125 feet of Government Lot 4, Section 27, Township 25 North, Range 9 East, lying 200 feet easterly of and parallel to the east line of Cedar Lake Road. Commonly known as 4073 W. Cedar Lake Road, Greenbush Mich. 48738.
The redemption period shall be six months from the date of sale unless determined abandoned in accordance with MCL § 600.3214(a), in which case the redemption period shall be 30 days from the date of sale.
To all purchasers: the foreclosing mortgagee can rescind the sale. In that event, your damages, if any, are solely limited to the return of the bid amount tendered at sale, plus interest. If the property is sold at sheriff’s sale, in accordance with 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.
If you are a tenant in the property, please contact our office as you may have certain rights. 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 8, 2025
ELGA Credit Union
Legal Department
Attorneys for the Mortgagee
6065 Grand Pointe Blvd.
Grand Blanc, Mich. 48439
(810) 715-3452
12-17, 12-24, 12-31, 1-07

Short Foreclosure Notice
Alcona County
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 Alcona County, starting promptly at 10 a.m., on February 25, 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: Mortgagor(s): James F. Larson and Christine Larson, husband and wife. Original mortgagee: Mortgage Electronic Registration Systems, Inc. (MERS), solely as nominee for lender and lender`s successors and assigns. Date of mortgage: April 24, 2004. Recorded on May 5, 2004, Liber 400, on page 413, and rerecorded via order on December 5, 2025, in Document No. 202500004116. Foreclosing assignee (if any): NewRez LLC d/b/a Shellpoint Mortgage Servicing. Amount claimed to be due at the date hereof: Thirty-five thousand two hundred twenty-three and 46/100 dollars ($35,223.46). Mortgaged premises: Situated in Alcona County, and described as: Commencing at the southwest corner of Section 18, Town 28 North, Range 9 East, Alcona Township, Alcona County, Michigan, thence north 305.99 feet along the centerline of state highway F-41, thence north 89 degrees east 100 feet, thence south 46 degrees east 37.22 feet, thence south 89 degrees east 183.6 feet, thence south 4 degrees east 278.67 feet, thence south 89 degrees west along centerline of Black River Road 337.07 feet to the point of beginning excluding the clear vision area and subject to the rights of the public over the westerly 100 feet and the southerly 33 feet thereof. Also subject to easements, restrictions and zoning record, if any. Commonly known as 5510 F-41 (fka) 5510 N. Barlow Road, Spruce, Mich. 48762.
The redemption period will be 12 months from the date of such sale, unless abandoned under MCL 600.3241a, in which case the redemption period will be 30 days from the date of such sale, or 15 days from the MCL 600.3241a(b) notice, whichever is later; or unless extinguished pursuant to MCL 600.3238. If the above referenced property is sold at a foreclosure sale under Chapter 32 of Act 236 of 1961, under 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.
NewRez LLC d/b/a Shellpoint Mortgage Servicing Mortgagee/Assignee
Schneiderman & Sherman P.C.
23938 Research Drive, Suite 300
Farmington Hills, Mich. 48335
(248) 539-7400
1/7, 1/14, 1/21 & 1/28