Published February 09, 2012, 08:00 AM

NOTICE OF MORTGAGE FORECLOSURE SALE - Charboneau

NOTICE OF MORTGAGE FORECLOSURE SALE

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: 05/15/2002

MORTGAGOR(S): Jennifer A. Charboneau, a single woman.

MORTGAGEE: North Shore Bank of Commerce

SERVICER: US Bank Home Mortgage

MORTGAGE ID #: n/a

DATE AND PLACE OF RECORDING: Recorded May 17, 2002,Carlton County Registrar of Titles, Document No. 24723 Against Certificate of Title no. 8557.

ASSIGNMENTS OF MORTGAGE: Assigned to: Minnesota Housing Finance Agency Dated: May 15, 2002,Recorded May 17, 2002, Carlton County Registrar of Titles, Document No. 24724 Against Certificate of Title no. 8857.

LEGAL DESCRIPTION OF PROPERTY: The North 1/2 of Lots 7 and 8, in Block 36, ORIGINAL PLAT, CITY OF MOOSE LAKE, according to the plat thereof on file and of record in the Office of the County Recorder in and for Carlton County, Minnesota, EXCEPT that part sold to Herbert C. and Ruth W. Losensky, described as follows, to-wit: The South 25 feet of the North 1/2 of Lots 7 and 8, in Block 36, ORIGINAL PLAT CITY OF MOOSE LAKE, according to the plat thereof on file and of record in the Office of the County Recorder in and for said Carlton County, Minnesota.

REGISTERED PROPERTY: Yes

TAX PARCEL NO.: 21-010-5400

ADDRESS OF PROPERTY:

425 Cedar Ave

Moose Lake, MN 55767

COUNTY IN WHICH PROPERTY IS LOCATED: Carlton

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $75,801.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $65,496.51

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: Tuesday, April 03, 2012, 10:00 a.m.

PLACE OF SALE: Sheriff's Office, Second Floor, City of Carlton

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 10/03/2012 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: January 27, 2012

Minnesota Housing Finance Agency

Assignee of Mortgagee

Peterson, Fram & Bergman, P.A.

By: Michael T. Oberle

Attorneys for:

Minnesota Housing Finance Agency

Assignee of Mortgagee

55 E. 5th St., Suite 800

St. Paul, MN 55101

(651) 209-7599

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

16205-120012

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