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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: 08-06-2003

MORTGAGOR(S): Tara L. Swenson, a single person.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for America’s Wholesale Lender

SERVICER: Countrywide Home Loans, Inc.

MORTGAGE ID #: 100015700028368468

DATE AND PLACE OF RECORDING: Recorded August 07, 2003, Sibley County Recorder, Document No. A-193306.

ASSIGNMENTS OF MORTGAGE: Assigned to: BAC Home Loans Servicing, LP Dated: October 19, 2009,

LEGAL DESCRIPTION OF PROPERTY: The North 75 feet of Lot Number Nine (9); the North 75 feet of the West 42 feet of Lot Number Eight (8), all in Block Number Eight (8), in Poehler’s Addition to the City of Gaylord, Sibley County, Minnesota.

TAX PARCEL NO.: 320271000

ADDRESS OF PROPERTY:
314 2nd St.
Gaylord, MN 55334

COUNTY IN WHICH PROPERTY IS LOCATED: Sibley

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $60,400.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $41,579.33

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: Thursday, January 21, 2010, 10:00 a.m.

PLACE OF SALE: Sheriff’s Office, City of Gaylord

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 07-21-2010 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: November 19, 2009

BAC Home Loans Servicing, LP
Assignee of Mortgagee
Peterson, Fram & Bergman, P.A.
By: Steven H. Bruns
Attorneys for:
BAC Home Loans Servicing, LP
Assignee of Mortgagee
55 E. 5th St., Suite 800
St. Paul, MN 55101
(651) 291-8955

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

16751-095358

Publish Nov. 26, Dec. 3, 10, 17, 24, 31, 2009