Foreclosure: Dean L. Bernard (07-13)

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTIFICATION 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 the conditions of the following described mortgage:  
DATE OF MORTGAGE:  March 30, 2066
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:  $301,400.00
MORTGAGOR:  Dean L. Bernard
MORTGAGEE:  First National Bank, 103 North Main, P.O. Box 378, Mahnomen, Minnesota
DATE AND PLACE OF RECORDING:  
Recorded on 04/04/2006 at 9:00 a.m. as Document No. 253534, Roseau County Recorder.
Recorded on 04/18/2006 at 9:00 a.m. as Document No. A000629643, Polk County Recorder.
Recorded on 04/06/2006 at 3:55 p.m. as Document No. 81546, Lake of the Woods County Recorder.
Assignments of Mortgage:  None
Transaction Agent:  None
Transaction Agent’s Mortgage Identification Number on Mortgage:  None
Lender or Broker:  First National Bank, Mahnomen, Minnesota
Residential Mortgage Servicer:  None
Residential Mortgage Originator Stated on Mortgage:  None
Mortgaged Property Address:  
Juneberry Township, Roseau County, All of Section 31-162-44, Greenbush, MN 56726.
Tax Parcel I.D.#:  41.0022100 and 41.0022000
Mortgaged Property Address:  
Woodside Township, Polk County, 17651 – 360th Street SE, Erskine, MN 56535.
Tax Parcel I.D.#:  74.00121.000
Mortgaged Property Address:  
Walhalla Township, Lake of the Woods County, Baudette, MN 56623.
Tax Parcel I.D.#:  29.20.41.000
LEGAL DESCRIPTION OF PROPERTY:
Roseau County:  All of Section Thirty-one (31), in Township One Hundred Sixty-two (162) North, Range Forty-four (44) West of the Fifth Principal Meridian in Roseau County, according to the United States Government survey thereof.
Polk County:  The West Half of the Northeast Quarter (W1/2 NE1/4), of Section Fourteen (14), Township One Hundred Forty-eight (148) North of Range Forty-three (43) West of the Fifth Principal Meridian in Polk County.
Lake of the Woods County:  The North Half of the Southeast Quarter (N1/2 SE1/4), Section Twenty (20), Township One Hundred Sixty (160), Range Thirty-two (32) West of the Fifth Principal Meridian in Lake of the Woods County.
COUNTIES IN WHICH PROPERTY IS LOCATED:  Roseau, Polk, Lake of the Woods
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE:  $410,269.63
THAT prior to the commencement of this mortgage foreclosure proceeding 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:   July 28, 2011, at 10:00 a.m.
PLACE OF SALE:  Polk County Sheriff Office, 600 Bruce Street, Crookston, Minnesota.
to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney’s fees allowed by law subject to redemption within twelve (12) months from the date of said sale by the mortgagors, their personal representatives or assigns.  
The Mortgagee intends to have the property sold in three separate tracts, with the first tract being the property in Roseau County; the second tract being the property in Polk County; and the third tract being the property in Lake of the Woods County.  No more tracts will be sold than necessary to satisfy the amount due on the mortgage at the date of notice of such sale, with interest, taxes paid, and costs of sale.
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 mortgagors must vacate the property if the mortgage is not reinstated under Minn. Stat. Section 580.30, or the property is not redeemed under Minn. Stat. Section 580.23, is 11:59 p.m. on July 28, 2012.
MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE:  None   
THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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 FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

Mortgagee, First National Bank, Mahnomen, Minnesota        
Dated:  May 25, 2011            
BY:  Elroy Hanson, Attorney for Mortgagee
Elroy Hanson/WAMBACH & HANSON LAW OFFICE
P. O. Box 340, Mahnomen, MN 56557, (2l8) 935-2266
(June 1, 8, 15, 22, 29, July 6, 2011)