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THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF
THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW
IS NOT AFFECTED BY THIS ACTION.
NOTICE IS HEREBY GIVEN: that default has occurred in conditions
of the following described mortgage:
DATE OF MORTGAGE: November 5, 2004
MORTGAGOR: Joseph Toka Jr. and Lillian A. Toka, husband and
wife.
MORTGAGEE: Border State Bank.
DATE AND PLACE OF RECORDING: Recorded November 12,
2004 Lake of the Woods County Recorder, Document No. 79080.
ASSIGNMENTS OF MORTGAGE: Assigned to: Merchants
Bank, National Association .
TRANSACTION AGENT: NONE
TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER
ON MORTGAGE: NONE
LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED
ON MORTGAGE: Border State Bank
RESIDENTIAL MORTGAGE SERVICER: Merchants Bank, N.A.
MORTGAGED PROPERTY ADDRESS: 516 Tower Drive Northeast,
Baudette, MN 56623
TAX PARCEL I.D. #: 61.60.00.060
LEGAL DESCRIPTION OF PROPERTY:
Lot 6, and the East 50 Feet of Lot 5, Third Councilman's Addition
to Baudette, According to the Recorded Plat thereof
COUNTY IN WHICH PROPERTY IS LOCATED: Lake of the
Woods
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:
$153,500.00
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE,
INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:
$139,489.25
That prior to the commencement of this mortgage foreclosure proceeding
Mortgagee/Assignee of Mortgagee complied with all notice
requirements as required by statute; That no action or proceeding has
been instituted at law or otherwise to recover the debt secured by said
mortgage, or any part thereof;
PURSUANT to the power of sale contained in said mortgage, the
above described property will be sold by the Sheriff of said county as
follows:
DATE AND TIME OF SALE: January 3, 2013 at 10:00 AM
PLACE OF SALE: Lake of the Woods Law Enforcement Center,
206 SE 8th Avenue, Baudette, MN
to pay the debt then secured by said Mortgage, and taxes, if any, on
said premises, and the costs and disbursements, including attorneys'
fees allowed by law subject to redemption within six (6) months from
the date of said sale by the mortgagor(s), their personal representatives
or assigns unless reduced to Five (5) weeks under MN Stat.
§580.07.
TIME AND DATE TO VACATE PROPERTY: If the real estate is an
owner-occupied, single-family dwelling, unless otherwise provided by
law, the date on or before which the mortgagor(s) must vacate the
property if the mortgage is not reinstated under section 580.30 or the
property is not redeemed under section 580.23 is 11:59 p.m. on July
3, 2013, unless the redemption period is reduced to 5 weeks under
MN Stat. Secs. 580.07 or 582.032.
MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION
ON MORTGAGE:None
"THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR,
THE MORTGAGOR'S PERSONAL REPRESENTATIVES
OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL
ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION
582.032, DETERMINING, AMONG OTHER THINGS, THAT THE
MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL
DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY
USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED."
Dated: October 25, 2012
Merchants Bank, National Association
Mortgagee/Assignee of Mortgagee
USSET, WEINGARDEN AND LIEBO, P.L.L.P.
Attorneys for Mortgagee/Assignee of Mortgagee
4500 Park Glen Road #300
Minneapolis, MN 55416
(952) 925-6888
94 - 12-005921 FC
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.


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