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(November 17, 24; December 1, 8, 15, 22, 2022)

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: August 1, 2017

MORTGAGOR: John A Handrahan and April J Handrahan, married to each other

MORTGAGEE: Wells Fargo Bank, N.A.

DATE AND PLACE OF RECORDING: Recorded August 7, 2017 Chisago County Recorder, Document No. A-601440

ASSIGNMENTS OF MORTGAGE:   Assigned to: M&T Bank. Dated April 11, 2019 Recorded April 11, 2019, as Document No. A-617905
             
TRANSACTION AGENT: NONE

TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE

LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Wells Fargo Bank, N.A.

RESIDENTIAL MORTGAGE SERVICER: M&T Bank

MORTGAGED PROPERTY ADDRESS: 30599 Akerson Street, Lindstrom, MN 55045

TAX PARCEL I.D. #: 150055700

LEGAL DESCRIPTION OF PROPERTY: The land referred to herein is situated in the state of Minnesota, Chisago County described as follows:
The West 115 feet of Lot 1, Block 2, of Andrews Beach, except the following described tract: Beginning at the Northwest corner of said Lot 1; thence Southerly along the West line of said Lot 1, a distance of 90.0 feet; thence Easterly, angle to the right of 85 degrees 41 minutes 30 seconds, 115.3 feet, more or less, to the East line of the West 115 feet of Lot 1; thence Northerly along said East line 118.7 feet, more of less, to the Northerly line of said Lot 1; thence Southwesterly along said Northerly line 120.9 feet, more or less, to the point of beginning. 
   
COUNTY IN WHICH PROPERTY IS LOCATED: Chisago

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $118,317.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $113,968.13

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: January 26, 2023 at 10:00 A.M.

PLACE OF SALE: Sheriff's Office, 15230 Per Road, Center City, 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 July 26, 2023, unless that date falls on a weekend  or legal holiday, in which case it is the next weekday, and unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032.

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: November 10, 2022

M&T Bank
Mortgagee/Assignee of Mortgagee

LIEBO, WEINGARDEN, DOBIE & BARBEE, P.L.L.P.
Attorneys for Mortgagee/Assignee of Mortgagee
4500 Park Glen Road #300
Minneapolis, MN 55416
(952) 925-6888
37 - 22-006022 FC

IN THE EVENT REQUIRED BY FEDERAL LAW: THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

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