Foreclosure: Michael P Joy and Margaret D Joy (01-18)

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 the conditions of the following described mortgage:
DATE OF MORTGAGE:  06/13/2006
MORTGAGOR(S):   Michael P Joy and Margaret D Joy, husband and wife.
MORTGAGEE:    Mortgage Electronic Registration Systems, Inc. as nominee for Countrywide Home Loans, Inc.
SERVICER:   Bank of America, N.A.
MORTGAGE ID #:  1000157-0006897049-6
DATE AND PLACE OF RECORDING:  Recorded June 30, 2006,Roseau County Recorder, Document No. 254542.
ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon fka The Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2006-11 Dated: September 28, 2011,Recorded November 23, 2011,Roseau County Recorder, Document No. 272079.
LEGAL DESCRIPTION OF PROPERTY:  The East Three Hundred Thirty-five (335) feet of the South Two Hundred (200) feet of the North One Thousand Twenty (1020) feet of that part of the Northeast Quarter of the Northeast Quarter (NE1/4 NE1/4) of Section Twenty-five (25), in Township One Hundred Sixty-two (162) North, Range Forty (40) West of the Fifth Principal Meridian in Minnesota, according to the recorded plat thereof, lying Easterly of the main channel of the Roseau River, Roseau County, Minnesota
REGISTERED PROPERTY: No
TAX PARCEL NO.:  140087300
ADDRESS OF PROPERTY:
29797 400th Ave
Roseau, MN 56751
COUNTY IN WHICH PROPERTY IS LOCATED:  Roseau
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:  $150,750.00
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $173,377.02
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:  Wednesday, February 01, 2012, 10:00 a.m.
PLACE OF SALE:  Sheriff’s Office, 604 5th Avenue SW, City of Roseau
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 6 months from the date of said sale by the mortgagor(s), their personal representatives or assigns.
DATE TO VACATE PROPERTY:  The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 or the property redeemed under Minnesota Statutes section 580.23 is  08/01/2012 at 11:59 p.m.   If the foregoing date is a Saturday, Sunday or legal holiday, then the date to vacate is the next business day at 11:59 p.m.  
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: December 08, 2011

The Bank of New York Mellon fka The Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2006-11
Assignee of Mortgagee
Peterson, Fram & Bergman, P.A.
By: Steven H. Bruns
Attorneys for:
The Bank of New York Mellon fka The Bank of New York as Trustee for the Certificateholders CWABS, Inc. Asset-backed Certificates, Series 2006-11
Assignee of Mortgagee
55 E. 5th St., Suite 800
St. Paul, MN  55101
(651) 209-7599

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
16751-114550
(December 14, 21, 28, 2011, January 4, 11, 2012)