Notice of Foreclosure by Advertisement Pursuant to Section 3212 of the Judiciary Act of 1961, as amended, PA 236 of 1961, MCL 600.3212, the You will be notified that it will be seized. An auction sale of cash or check to the highest bidder will begin on 16 September 2022 at 10:00am, where the Wexford County Circuit Court meets. sale. The highest price at sale does not automatically give the buyer free and clear ownership of the property. Potential purchasers are encouraged to contact the deed office’s county register or title insurance company. Both may charge a fee for this information. This company is a debt collector trying to collect your debt and all information will be used for that purpose. If you are an active military member, please contact our office at the number below. The foreclosure occurred on the terms of a mortgage (the “Pledge”) that Robert G. Matern made as the mortgagee to his TCF National Bank. The mortgage date was May 29, 2020, and on January 4, 2021, he was recorded on Wexford County Records, Liber 688 Page 2730. The mortgage was transferred to Horizon Bank in a mortgage transfer dated 28 June 2022 and was recorded on 19 July 2022 at Liber 693, page 1398 of Wexford County Records. As of the date of this notice, the mortgage is outstanding at $111,000 862 and 48/100 ($111,862.48), including interest at 4.89% per annum on the relevant debt. This amount will increase as additional interest, costs, expenses and attorneys’ fees accrue under the mortgage and its related bills as permitted by Michigan law after the date of this notice. No legal or equitable proceedings have been commenced to recover the mortgage-backed debt, and the right to sell the mortgage has become effective for default. On the date and time previously referred to in this notice, the mortgage will be foreclosed by selling the property described herein, or any portion thereof, at public auction to the highest bidder. unpaid mortgage interest, unpaid interest, legal costs and sales fees as permitted by law and/or the mortgage, and taxes and insurance paid by the mortgagee prior to the date of sale; Located in Wexford County, Herring Township, Michigan, the property referred to and described in the mortgage is more specifically described as: Section 16 (SE 1/4) of northeast quarter of (NW 1/4) southeast of quarter of (NE 1/4) (SE 1/4), township 22 north, range 9 west. Address: 8850 E 30 1/2 Road, Cadillac, MI 49601; Tax Parcel Number: 2209-16-4105; existing or subsequently built including all mobile homes or manufactured homes on site , or together with all buildings, improvements, and fixtures to which they are attached; all easements, right-of-way, streets, roads, alleys, and public places, privileges, and appurtenances, public or private; and is used now or in the future in connection with the facility. All rights to subdivision of land exempt from the requirements of subdivision under all applicable land subdivision or subdivision laws, as amended from time to time. Note to Buyer: The Foreclosure Mortgage Holder reserves the right to cancel the sale prior to the sale or to cancel this sale at any time. In such event, your damages, if any, will be limited only to the refund of the bid amount and interest, if any, placed at the time of sale. Pursuant to MCL 600.3278, if the mortgaged property is sold in foreclosure under Title 32 of the Judiciary Act of 1961, as amended, the borrower shall be liable for any damages caused to the person who purchased the property in the foreclosure, or to the mortgagee. You will lose. Property during redemption period. Note to homeowners: If you are an active duty military member, your term of active service ends within his 90 days, or you are ordered to serve on active duty, contact an attorney for the party foreclosed on your mortgage. Please contact. Phone number provided in this notice. The redemption period is six months from the date of sale, unless the redemption period is reduced pursuant to MCL 600.3241a or MCL 600.3238. Where required by law.Dates: August 18, 2022 ANDREW W. BARNES (P70571) KOTZ SANGSTER WYSOCKI PC Attorneys for HORIZON BANK 317 Center Street South Haven, MI 49090 269-287-2010 August 18, 25, September 1, 8