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: September 21, 2007
MORTGAGORS: Paul M. Czapiewski and Stacy D. Czapiewski, Husband and Wife.
MORTGAGEE: United Valley Bank-Down Town.
DATE AND PLACE OF RECORDING: Recorded September 27, 2007, Polk County Recorder, Document No. A000641377.
ASSIGNMENTS OF MORTGAGE: Assigned to: Merchants Bank, N.A., Dated: September 21, 2007, Recorded: September 27, 2007, Document No. A000641378.
TRANSACTION AGENT: NONE
TRANSACTION AGENT’S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE
LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: United Valley Bank-Down Town
RESIDENTIAL MORTGAGE SERVICER: Merchants Bank, N.A.
MORTGAGED PROPERTY ADDRESS: 38434 110th Street Southwest, East Grand Forks, MN 56721-9124
TAX PARCEL I.D. #:660000200
LEGAL DESCRIPTION OF PROPERTY:
A tract of land in the SW1/4 of the SE1/4 of section 1, township 152 north, range 49 west of the fifth principal meridian, Polk County, Minnesota, described as follows: commencing at the section corner common to Sections 6 and 7, Township 152 North, Range 48 West and Sections 1 and 12, Township 152 North, Range 48 West, thence due West along the action line common to said Section 1 and 12, a distance of 2,140.0 feet to the point of beginning of the tract conveyed herein; thence at right angles northerly a distance of 390.0 feet; thence at right angles westerly, parallel with said section line, a distance of 145.0 feet; thence at right angles southerly a distance of 390.0 feet to the section line common to said sections 1 and 12, thence due East along said section line a distance of 145.0 feet to the point of beginning, Polk County, Minnesota.
COUNTY IN WHICH PROPERTY IS LOCATED: Polk
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $80,000.00
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $78,931.52
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: May 11, 2011 at 10:00 AM
PLACE OF SALE: Sheriff’s Office, Law Enforcement Center, 600 Bruce Street, Crookston, 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 November 12, 2011.
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: March 9, 2011.
Merchants Bank, N.A.
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
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
(March 16, 23, 30, April 6, 13 & 20, 2011)