Foreclosure: Erica Fay and Joseph Taylor (0605)

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: November 10, 2009
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $70,695.00
MORTGAGOR(S): Erica Fay and Joseph Taylor, wife and husband
MORTGAGEE: Mortgage Electronic Registration Systems, Inc., a Delaware corporation as nominee for Quicken Loans Inc., a Michigan corporation
DATE AND PLACE OF FILING: Recorded on November 12, 2009 in the Office of the Roseau County Recorder as Document Number 266060.
ASSIGNMENTS OF MORTGAGE: Assigned to: Bank of America, N.A., Successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by written assignment recorded on June 28, 2012 as Document Number 274517 in the Office of the County Recorder of Roseau County, Minnesota.
LEGAL DESCRIPTION OF PROPERTY:
Lot Twenty-two (22) and the South Twelve and one-half (12 1/2)feet of Lot Twenty-one (21), all in Block One (1) of Morningside Addition to the City of Roseau, according to the recorded plat thereof, Roseau County, Minnesota
STREET ADDRESS OF PROPERTY:
308 6th Avenue NE, Roseau, MN 56751
COUNTY IN WHICH PROPERTY IS LOCATED: Roseau County, Minnesota
THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $71,098.74
THAT no action or proceeding has been instituted at law to recover the debt secured by said mortgage, or any part thereof; that there has been compliance with all pre-foreclosure notice and acceleration requirements of said mortgage, and/or applicable statutes;
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: June 12, 2013 at 10:00 AM
PLACE OF SALE: Roseau County Sheriff`s office, Law Enforcement Center, 108 Third Ave. SW, Roseau, Minnesota
to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law.  The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is Six (6) months from the date of sale.
Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on December 12, 2013.
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: April 12, 2013

BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP
Mortgagee

SCHILLER & ADAM, P.A.

By: /s/            
Rebecca F. Schiller, Esq.
Sarah J.B. Adam, Esq.
N. Kibongni Fondungallah, Esq.
James J. Pauly, Esq.
Steven R. Pennock, Esq.
Curt N. Trisko, Esq.
Jeffrey D. Klobucar, Esq.
Attorneys for Mortgagee
The Academy Professional Building
25 North Dale Street
St. Paul, MN 55102
(651) 209-9760
(13-1447-FC01)

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
NOTICE OF MORTGAGE FORECLOSURE SALE
FORECLOSURE DATA
Minn. Stat. § 580.025
(1)  Street Address, City and Zip Code of Mortgaged Premises
308 6th Avenue NE
Roseau, MN 56751
(2)  Transaction Agent
Mortgage Electronic Registration Systems, Inc., a Delaware corporation as nominee for Quicken Loans Inc., a Michigan corporation
(3)   Name of Mortgage Originator (Lender)
Mortgage Electronic Registration Systems, Inc., a Delaware corporation as nominee for Quicken Loans Inc., a Michigan corporation
(4) Residential Servicer Bank of America, N.A.
(5)  Tax Parcel Identification Number
54.0177400
(6)  Transaction Agent`s Mortgage ID Number (MERS number)
100039032217160965
(April 24, May 1, 8, 15, 22, 29, 2013)