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Foreclosure: Vetter Sr.

Friday, May 15, 2009 - 3:30pm

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: June 4, 2001

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $170,000.00

MORTGAGOR(S): David A. Vetter Sr. and Mary C. Vetter, husband and wife

MORTGAGEE: Cendant Mortgage Corporation nka PHH Mortgage Corporatio

LENDER: Cendant Mortgage Corporation nka PHH Mortgage Corporation

SERVICER: PHH Mortgage Corporation

DATE AND PLACE OF FILING: Filed September 17, 2001, Dakota County Registrar of Titles, as Document Number 448268

LEGAL DESCRIPTION OF PROPERTY

Lot Seventeen (17) excepting therefrom that portion thereof bounded by a line starting at the corner of Lots 17 and 18 at Oakview Road and extending 25 feet in a Northwesterly direction along Oakview Road to a point on the property line between Oakview Road and Lot 17, thence in a Southwesterly direction to the corner of Lots 17, 18 and 16, thence in a Northeasterly direction along the line between Lots 17 and 18 to the point of beginning.

All being in Charlton Estates Addition to West Saint Paul

PROPERTY ADDRESS: 280 Oakview Road, West Saint Paul, MN 55118

PROPERTY IDENTIFICATION NUMBER: 42.17100.170.00 Cert # 79685

COUNTY IN WHICH PROPERTY IS LOCATED: Dakota

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $107,086.77

THAT all pre-foreclosure requirements have been complied with; 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: June 25, 2009, 10:00am

PLACE OF SALE: Sheriff's Main Office, Dakota County Law Enforcement Center, 1580 Hwy 55, Lobby S-100, Hastings, MN 55033

to pay the debt 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) the personal representatives or assigns.

"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 5 UNITS, ARE NOT PROPERTY USED FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

Dated: May 5, 2009

PHH Mortgage Corporation

Mortgagee

SHAPIRO, NORDMEYER & ZIELKE, LLP

Lawrence P. Zielke - 152559

Diane F. Mach - 273788

Kristine M. Spiegelberg - 308845

Melissa L. Baldridge Porter - 0337778

Attorneys for Mortgagee

12550 West Frontage Road, Ste. 200

Burnsville, MN 55337

(952) 831-4060

PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, YOU ARE ADVISED THAT THIS OFFICE IS DEEMED TO BE A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. This NOTICE is required by the provisions of the Fair Debt Collection PRACTICES Act and does not imply that we are attempting to COLLECT money from anyone who has discharged the debt UNDER the Bankruptcy Laws of the United States.

09-058311

5/14-6/18