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: 4/21/2006

MORTGAGOR(S): James M. Hardwig-Eberspacher and Amy N. Hardwig-Eberspacher, husband and wife.

MORTGAGEE: Mortgage Electronic Registration Systems, Inc. as nominee for AFS Financial, Inc.

SERVICER: Countrywide Home Loans, Inc.

MORTGAGE ID #: 100049700007022698

DATE AND PLACE OF RECORDING: Recorded May 03, 2006, Koochiching County Recorder, Document No. A000255787.

ASSIGNMENTS OF MORTGAGE: Assigned to: Countrywide Home Loans, Inc. Dated:September 23, 2008,

LEGAL DESCRIPTION OF PROPERTY: Lot 11 and that part of Lot 10, Block 48, Amended Plat of Block 48 (and other Blocks) of International Falls, lying Easterly of the following described line:
Commencing at the Northwesterly Corner of Lot 10, thence Northeasterly along the Northerly line thereof, a distance of 24 feet to the point of beginning of the line to be described; thence Southeasterly to a point on the Southerly line of Lot 10 which is 27.6 feet Northeasterly of the Southeasterly Corner of Lot 10 and said line there terminating. Koochiching County, Minnesota.

Subject to existing roads and any other visible easements.

TAX PARCEL NO.: 920648100

ADDRESS OF PROPERTY:
210 10th Avenue
International Falls, MN 56649

COUNTY IN WHICH PROPERTY IS LOCATED: Koochiching

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $96,000.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $98,063.79

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, December 23, 2008, 10:00 a.m.

PLACE OF SALE: Sheriff's Office, City of International Falls

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.

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: October 15, 2008

Countrywide Home Loans, Inc.
Assignee of Mortgagee

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

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

16751-083296
NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

NOTICE IS HEREBY GIVEN, that the above Mortgage Foreclosure Sale is hereby postponed to Tuesday, January 27, 2009, at 10:00 a.m. at the Sheriff’s Office, City of International Falls in said County and State.

DATED: December 05, 2008

Countrywide Home Loans, Inc.
Assignee of Mortgagee

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

16751-083296

NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

NOTICE IS HEREBY GIVEN, that the above Mortgage Foreclosure Sale is hereby postponed to Tuesday, March 03, 2009, at 10:00 a.m. at the Sheriff’s Office, City of International Falls in said County and State.

DATED: January 14, 2009

Countrywide Home Loans, Inc.
Assignee of Mortgagee

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

16751-083296

NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

NOTICE IS HEREBY GIVEN, that the above Mortgage Foreclosure Sale is hereby postponed to Tuesday, April 14, 2009, at 10:00 a.m. at the Sheriff’s Office, City of International Falls in said County and State.

DATED: February 26, 2009

Countrywide Home Loans, Inc.
Assignee of Mortgagee

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

16751-083296

NOTICE OF POSTPONEMENT OF MORTGAGE FORECLOSURE SALE

NOTICE IS HEREBY GIVEN, that the above Mortgage Foreclosure Sale is hereby postponed to Tuesday, June 09, 2009, at 10:00 a.m. at the Sheriff’s Office, City of International Falls in said County and State.

DATED: April 06, 2009

Countrywide Home Loans, Inc.
Assignee of Mortgagee

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

16751-083296

The Daily Journal
April 13, 2009